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Re: Wiki comments requested: The importance of asset allocat

The SEC? Here's the link: Beginners' Guide to Asset Allocation, Diversification, and Rebalancing That's surprisingly well written. Yes, and that's what I tried to say when i quoted Jane Bryant Quinn. Asset Allocation is part of a long term framework that goes with diversification and rebalancing to...
by JamesSFO
Sun Feb 01, 2015 9:57 am
 
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 97
Views: 3364

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

What about a nominal late payment charge - say $10/week per missed payment combined and/or interest forgiveness (of the final 2% charge) if all payments are on time. Just some incentive you know. Otherwise it might get to where they owe you say $2k and intend to pay you back but don't get around to...
by JamesSFO
Sun Feb 01, 2015 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Loan Terms -- Helping a friend going through Divorce?
Replies: 12
Views: 769

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

I suggest you think very long and very hard about doing this in the first place... Not really helpful, I really do know the risks, not interested in hearing about them again. For purposes of this discussion, ASSUME I've done all of the cost benefit calculations and came out with wanting to do some ...
by JamesSFO
Sun Feb 01, 2015 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Loan Terms -- Helping a friend going through Divorce?
Replies: 12
Views: 769

Re: More solo 401k - backdoor Roth questions

I think you are confusing/mixing too many concepts and in the process making things harder for yourself. The rollover (roll in) of IRA money from qualified plans vs. whether/what the spouse is allowed to contribute are separate issues. Fidelity Solo 401Ks take rollovers, Vanguard do not so skip talk...
by JamesSFO
Sun Feb 01, 2015 12:42 am
 
Forum: Investing - Help with Personal Investments
Topic: More solo 401k - backdoor Roth questions
Replies: 4
Views: 245

Re: More solo 401k - backdoor Roth questions

(1) "back door" Roth's don't have a contribution year, they have a Traditional IRA contribution year and a rollover year (may be different from contribution year). You can make your 2014 NON deductible traditional IRA contribution until April 15 of this year, you can do the rollover/conver...
by JamesSFO
Sat Jan 31, 2015 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: More solo 401k - backdoor Roth questions
Replies: 4
Views: 245

Loan Terms -- Helping a friend going through Divorce?

Let's assume that I can easily afford to do this, want to do this, and recognize the risk of never seeing a penny returned and I'm walking in eyes open. A friend going through a divorce is about to have a short term cash crunch and needs approximately $10K to help with getting a new apartment (first...
by JamesSFO
Sat Jan 31, 2015 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Loan Terms -- Helping a friend going through Divorce?
Replies: 12
Views: 769

Re: Vanguard website has Yellow Triangle over lock

Vanguard had months to update their certificate. I wonder if they're being frugal, extra careful. or just unaware. I didn't know about this attempt by Google until this thread. Granted, Vanguard likely has security engineering teams that are larger than my entire engineering department, but it is n...
by JamesSFO
Sat Jan 31, 2015 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard website has Yellow Triangle over lock
Replies: 26
Views: 1923

Re: Employee fiduciary 401k

Oh and to relate to the OP's question, if you are looking into Employee Fiduciary, you should give Ubquity (f/k/a The Online 401K) a shot at a bid. When I reached out to Ubquity, EF, and Vanguard in fall 2013 to move our 401K, EF was completely non-responsive to me. Vanguard was upfront and very exp...
by JamesSFO
Sat Jan 31, 2015 9:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Employee fiduciary 401k
Replies: 11
Views: 838

Re: Employee fiduciary 401k

I had a 401k in place for my company but terminated it after analyzing our situation with our new CPA. We opted for a SIMPLA IRA with Vanguard. However, I can say I would NOT recommend our previous TPA, the Online 401k. I haven't heard a complaint about EF. I should have gone with them instead. We ...
by JamesSFO
Sat Jan 31, 2015 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Employee fiduciary 401k
Replies: 11
Views: 838

Re: Vanguard website has Yellow Triangle over lock

PS I emailed Vanguard about the issue and got a non-responsive answer back, told them it was non-responsive and got something semi-responsive back. Will see if I ever get something responsive.
by JamesSFO
Sat Jan 31, 2015 9:22 am
 
Forum: Personal Consumer Issues
Topic: Vanguard website has Yellow Triangle over lock
Replies: 26
Views: 1923

Re: Vanguard website has Yellow Triangle over lock

I get the same warning, using chrome, at the bogleheads.org site. Edit: I only seem to have the warning on this thread, not on several others. Something to do with read v. edit? It probably has to do with some content on the page, e.g. my tinypic image... see the notice when you click on the yellow...
by JamesSFO
Sat Jan 31, 2015 9:21 am
 
Forum: Personal Consumer Issues
Topic: Vanguard website has Yellow Triangle over lock
Replies: 26
Views: 1923

Re: Wiki comments requested: The importance of asset allocat

I can't do that, because I don't know their criteria for a "reliable source." From the wiki, see Citing sources . Generally the wiki follows Wikipedia's policies and guidelines, unless otherwise specified. On the particular point, Wikipedia:Verifiability - Wikipedia, the free encyclopedia...
by JamesSFO
Fri Jan 30, 2015 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 97
Views: 3364

Re: Vanguard website has Yellow Triangle over lock

I've emailed my flagship rep to ask if Vanguard is working on this because Google Chrome will cutoff access to Vanguard sooner than the certificate expires.
by JamesSFO
Fri Jan 30, 2015 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard website has Yellow Triangle over lock
Replies: 26
Views: 1923

Re: Vanguard website has Yellow Triangle over lock

Correct Chrome is flagging people using poor SSL certificates.

Image
by JamesSFO
Fri Jan 30, 2015 11:30 am
 
Forum: Personal Consumer Issues
Topic: Vanguard website has Yellow Triangle over lock
Replies: 26
Views: 1923

Barry Ritholtz - Breaking with Bogle

Source: http://www.bloombergview.com/articles/2015-01-30/jack-bogle-vanguard-s-passive-investing-strategy-needs-updating Breaking With Bogle 2 JAN 30, 2015 10:38 AM EST By Barry Ritholtz Now before I commit blasphemy, a few words: I am as close to being a Boglehead as you will find, without actually...
by JamesSFO
Fri Jan 30, 2015 11:10 am
 
Forum: Investing - Theory, News & General
Topic: Barry Ritholtz - Breaking with Bogle
Replies: 12
Views: 2543

Re: Your Minimum Annual Expenses

This is one situation where I'm really grateful to having paid off the mortgage (used to be $2500/month) but when I still had it and lost my job in 2008/09 mess through about 2011, the answer was about $5K month (2.5K of which was the mortgage; $0.3 to 0.4K the HOA dues which includes trash hauling,...
by JamesSFO
Fri Jan 30, 2015 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Your Minimum Annual Expenses
Replies: 37
Views: 3519

Re: Wiki comments requested: The importance of asset allocat

I personally like the second one as I think the work "insignificant" is tough to defend in the first one. While I agree that in the context of choosing an AA using a simple 3-fund approach this is likely correct, I'm not sure the same can be said if someone was way out there on their inve...
by JamesSFO
Fri Jan 30, 2015 8:26 am
 
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 97
Views: 3364

Re: 2.875% mortgage pay-off financially justifiable?

Overall likelihood of regretting paying off the mortgage early is low; psychological/emotional/behavioral satisfaction is high. Financial results seem to be neutral to ok.
by JamesSFO
Thu Jan 29, 2015 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2.875% mortgage pay-off financially justifiable?
Replies: 32
Views: 3025

Re: Boglehead Fitbit group

Joined.
by JamesSFO
Wed Jan 28, 2015 11:24 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Fitbit group
Replies: 30
Views: 2097

Re: Payoff Mortgage with investments in taxable accounts

Prior post from OP is this thread: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=156236&p=2343565#p2343565 Hello All - Love the site and curious to know your thoughts on this scenario... $42k sitting in money market account 1 car loan - $17.5k @ 2.09% 1 HELOC loan - $15.5 @ 2.99% Prim...
by JamesSFO
Tue Jan 27, 2015 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage with investments in taxable accounts
Replies: 22
Views: 1643

Re: Where to hold $ for less than 1 year

If you are over the $250K limit, Jill on Money had the guy from max my interest (https://www.maxmyinterest.com/) on the other week and they will shuffle money between accounts for 0.08% or some such. Haven't tried, but it looks potentially interesting if the $250K FDIC limit is of concern.
by JamesSFO
Tue Jan 27, 2015 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to hold $ for less than 1 year
Replies: 4
Views: 706

Re: Vanguard Flagship Service Experience

I think the thing to remember is that Flagship representatives are fundamentally still customer service representatives (CSRs) not investment advisors or (certified) financial planners. They have the advantage of generally being more senior, having a dedicated list of clients they focus on, and what...
by JamesSFO
Tue Jan 27, 2015 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Flagship Service Experience
Replies: 12
Views: 2296

Re: Do any young investors use Only fixed income?

100% of my 401k is in bonds and will continue to be invested in bonds this year and I am 27. It is only 12% of my portfolio though. I believe I read somewhere on the wiki 401k is the best place to hold them bc of the lower expected returns (lower taxes) Highest risk funds are in the Roth (REIT and ...
by JamesSFO
Tue Jan 27, 2015 8:13 am
 
Forum: Investing - Theory, News & General
Topic: Do any young investors use Only fixed income?
Replies: 35
Views: 3261

Re: Fidelity Cent Invt Portfolios: what is it?

Thanks for the various links. "Interesting concept" sums it up well. It would be great if one of you guys who have Jack Bogle on speed-dial would get his opinion of these central funds ;o). If you want the straight dope on these things, he's the guy that can provide a no-nonsense view. My...
by JamesSFO
Mon Jan 26, 2015 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Cent Invt Portfolios: what is it?
Replies: 6
Views: 648

Re: Fidelity Cent Invt Portfolios: what is it?

Here's a morningstar forum thread from a few years back about the central funds: http://socialize.morningstar.com/NewSoc ... 13548.aspx

Interesting concept.
by JamesSFO
Sun Jan 25, 2015 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Cent Invt Portfolios: what is it?
Replies: 6
Views: 648

Re: Mutual Fund Breakdown

Hello All - Trying to better understand the funds I'm invested in, specifically the total stock market fund. Someone posted on here last week that the total market fund was equivalent to 3-parts (or was it 4-parts?) S&P 500 plus 1-part extended market. Is there anything concrete to back that up...
by JamesSFO
Sun Jan 25, 2015 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: Mutual Fund Breakdown
Replies: 3
Views: 272

Re: Vanguard Brokerage or Mutual Funds?

Could this have anything to do with a drive to increase securities available for lending purposes? I understand that a margin account includes automatic authorization to allow your broker to engage in securities lending and to receive payment for order flow to generate income. Perhaps this ability ...
by JamesSFO
Fri Jan 23, 2015 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage or Mutual Funds?
Replies: 24
Views: 2188

Re: Vanguard Brokerage or Mutual Funds?

Here's another potential downside. It seems that brokerage IRAs cannot be converted online to brokerage Roth IRAs "at this time". Mutual Fund IRAs can be converted online to Mutual Fund Roth IRAs. I don't know why not, and Vanguard doesn't explain the discrepancy. I am standing pat for no...
by JamesSFO
Fri Jan 23, 2015 9:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage or Mutual Funds?
Replies: 24
Views: 2188

Re: SF Bay Area Living Trust Attorney Recommendation

I've used Lynn Stutz in Campbell CA -- she's basically adjacent to San Jose, let me know if you need more details.
by JamesSFO
Thu Jan 22, 2015 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: SF Bay Area Living Trust Attorney Recommendation
Replies: 16
Views: 859

Re: Likelihood of Admiral shares for the Target Retirement F

anil686 wrote:So in summary, there is a cost difference but it does not matter much - not nearly as much as how/when you rebalance


To which I come back to, using the target retirement funds (or life strategy) (whether in taxable or not) may occasionally be suboptimal but it is darn good choice.
by JamesSFO
Thu Jan 22, 2015 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Likelihood of Admiral shares for the Target Retirement Funds
Replies: 20
Views: 2214

Re: Cost basis method on withdrawals taxable

I think the tax records thing was a much bigger issue when you had to do it all yourself. The likelihood is that ALL of your lots are covered lots and if you pick specific ID you will be easily able to pick which lots to sell from a nice user interface at the broker at the time of the sell order.
by JamesSFO
Thu Jan 22, 2015 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cost basis method on withdrawals taxable
Replies: 4
Views: 292

Re: Likelihood of Admiral shares for the Target Retirement F

I am 100% invested in vanguard target date 2060. If I was to run a 3 fund portfolio what's the difference between expense ratios? I think I remember reading for 100k it was around a $100 year difference. Is that still the case or am I mistaken? If you have $100K in TR2060, your ER is 0.18% or $180 ...
by JamesSFO
Thu Jan 22, 2015 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Likelihood of Admiral shares for the Target Retirement Funds
Replies: 20
Views: 2214

Re: Likelihood of Admiral shares for the Target Retirement F

IMO using balanced or target funds in a taxable account is a bad mistake.... I would be using tax efficient stock funds in taxable accounts and balance out in tax deferred/roth accounts. I would suggest completely avoiding the so called tax managed funds Vanguard offer due to their lack of commitme...
by JamesSFO
Thu Jan 22, 2015 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Likelihood of Admiral shares for the Target Retirement Funds
Replies: 20
Views: 2214

Re: Which of 7 cost-basis methods? (Poll)

My thought was that Loss/Gain Utilization (LGUT) essentially mirrored the thinking that someone would generally follow with Specific ID, but was basically automated, as opposed to Specific ID, where you would have to make the decision yourself. True, Specific ID would give you the most flexibility,...
by JamesSFO
Tue Jan 20, 2015 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: Which of 7 cost-basis methods? (Poll)
Replies: 11
Views: 881

Re: Which of 7 cost-basis methods? (Poll)

ACST and SLID are really the only two distinct choices, the others are just computer assisted SLID...
by JamesSFO
Tue Jan 20, 2015 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Which of 7 cost-basis methods? (Poll)
Replies: 11
Views: 881

Re: If your networth is over $3 million, how did you do it?

Intriguing thread, I think there is that mixture of luck, seizing the luck, and skill. Still in progress here.
by JamesSFO
Mon Jan 19, 2015 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 301
Views: 46347

Re: The DOW: An Index I Love to Hate

Ironically because the DJIA is an equal weight index and because of changes to composition it is not all that easy to compute by hand any more (weird ratios for sum of prices). See https://en.wikipedia.org/wiki/Dow_Jones_Industrial_Average#Calculation and "...[p]resently, every $1 change in pri...
by JamesSFO
Mon Jan 19, 2015 8:41 am
 
Forum: Investing - Theory, News & General
Topic: The DOW: An Index I Love to Hate
Replies: 27
Views: 1944

Re: Concentration of ETF Issuers

ETFs are indexed. Index investments are commodities and the big providers are going to get efficiencies from scale. Makes sense that there can't be 20 different Walmarts. About 3 plus some niche players makes sense. Now for active managers it makes sense there would be a bunch of boutique mutual fu...
by JamesSFO
Mon Jan 19, 2015 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Concentration of ETF Issuers
Replies: 4
Views: 475

Re: Suze Orman: $100 into $860k, and cfiresim

So Suze is now saying 11%?!? Shame on her, usually she's less crazy than Ramsey.
by JamesSFO
Sun Jan 18, 2015 10:11 pm
 
Forum: Investing - Theory, News & General
Topic: Suze Orman: $100 into $860k, and cfiresim
Replies: 47
Views: 5131

Re: Concentration of ETF Issuers

Mr. Digweed wrote:Too big to fail?


Or some thing...
by JamesSFO
Sun Jan 18, 2015 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Concentration of ETF Issuers
Replies: 4
Views: 475

Re: Vanguard VDC fees

You might get more responses if you EDIT your original post and subject and spell out the fund names, VDC (Consumer Staples ETF) and VGENX (Energy Fund Investor Shares) are not that commonly held. I for one do wonder why you think consumer staples would "balance out" the energy fund... but...
by JamesSFO
Sun Jan 18, 2015 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard VDC fees
Replies: 5
Views: 641

Concentration of ETF Issuers

I find the ETF league table (http://www.etf.com/sections/etf-league-tables/etf-league-table-jan-15-2015) fascinating in that it suggests that the top 3 issuers of ETFs (BlackRock iShares, State Street, and Vanguard have >80% of ETF AUMs and the top 10 have 95%). That's amazingly concentrated compare...
by JamesSFO
Sun Jan 18, 2015 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Concentration of ETF Issuers
Replies: 4
Views: 475

Re: Amex Fidelity CC 2% Cash Back

I've had issues with the Fidelity card. Today, they denied 2 charges, one at Costco so had to cancel the gas purchase and the other at a drug store. In the past, they've denied charges when I'm in another city. So I called and the Fidelity fraud dept said they needed to verify the charges, so I ask...
by JamesSFO
Sun Jan 18, 2015 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 6328

Re: garbage disposals - are these still used?

It's regional/cultural whether to have them, we have one wouldn't live without one.
by JamesSFO
Sat Jan 17, 2015 1:49 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposals - are these still used?
Replies: 52
Views: 3684

Re: Amex Fidelity CC 2% Cash Back

Interesting...Both of the cards automatically deposit into our Fido 529. Maybe I need to ask again. I checked with FIA several years ago and was told with the VISA I need to watch and move manually. It does seem with both being FIA that VISA should have the same feature. I have both and both can au...
by JamesSFO
Thu Jan 15, 2015 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 6328

Re: Merrill Lynch or Vanguard

If you want to use the funds in 2 years, I feel you should stay out of the market. Of all the replies to the OP, this is the BEST advice of all. Someone with only a 2 year time horizon should not be in the market. The OP should just buy a CD and let it go at that; or, if he could buy a zero-coupon ...
by JamesSFO
Thu Jan 15, 2015 8:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch or Vanguard
Replies: 48
Views: 3220

Re: Options for moving our pets across country

I flew two cats across the country no problem, I was a basket case and they had to go in the "cargo hold" but within about 24 hours they were fine and went on to live excellent lives for many years. Well, er, this sounds very much like this experience of your's was many years ago. Since y...
by JamesSFO
Thu Jan 15, 2015 8:35 am
 
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 2451
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