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Re: Vanguard Signal Share -> Admiral Share Conversion

Our 401K (with Decimal d/b/a The Online 401K) now has Admiral shares instead of Signal Shares. Conversion shows as happening on 10/27 for us.
by JamesSFO
Fri Oct 31, 2014 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Signal Share -> Admiral Share Conversion
Replies: 5
Views: 442

Re: Why so long to transfer IRA to Vanguard?

Welcome to Vanguard. Believe me it is one thing after another with them. It gets very old quickly. I have had an account with Vanguard for more than 30 years. My transactions have always gone smoothly. I have been very pleased and recommend Vanguard to my friends. Jeff Perhaps if you had a differen...
by JamesSFO
Fri Oct 31, 2014 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why so long to transfer IRA to Vanguard?
Replies: 28
Views: 1458

Re: Pets and extended travel

We use a house sitter when we are gone (2 cats, 1 dog) and have been gone as much as about 3 weeks without big problems. All of our animals are pretty mellow.
by JamesSFO
Fri Oct 31, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Pets and extended travel
Replies: 13
Views: 1106

Re: Treasury Direct - only one beneficiary allowed

Yep, my mom does this for grandma, she buys $3,333.33 * 3, one I bond for each child.
by JamesSFO
Fri Oct 31, 2014 8:13 am
 
Forum: Investing - Theory, News & General
Topic: Treasury Direct - only one beneficiary allowed
Replies: 1
Views: 312

Re: How are you supposed to move a 401k

This is puzzling to me. I recently transferred a brokerage account, essentially all my holdings transferred as is, no movement to cash. It took a week or two. Doesn't or can't that happen with 401K's? In many cases, 401Ks can not be transferred in kind OR EVEN as an electronic check. Part of this i...
by JamesSFO
Thu Oct 30, 2014 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: How are you supposed to move a 401k
Replies: 19
Views: 1131

Re: How are you supposed to move a 401k

Sadly until electronic transfer of 401Ks becomes more widespread this is one of those things that can happen. It's very frustrating.

:annoyed
by JamesSFO
Wed Oct 29, 2014 8:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: How are you supposed to move a 401k
Replies: 19
Views: 1131

Re: Schwab expands no commission ETFs-no early sell fee

So do we have an established answer to the key question here? If you're investing in one of these ETFs, is there an ADDITIONAL fee besides the Expense Ratio that is being incurred? Or is a portion of that expense ratio going back to compensate Schwab? I believe a something: marketing copayment, exp...
by JamesSFO
Wed Oct 29, 2014 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab expands no commission ETFs-no early sell fee
Replies: 42
Views: 2969

Re: Schwab expands no commission ETFs-no early sell fee

But Vanguard is in the TD Ameritrade program - so do they have those same sort of back compensation or are they the special exception? As far as we know, Vanguard does not play that game and it seems contrary to the way in which Vanguard is run. TD Ameritrade may have decided that it was still a go...
by JamesSFO
Wed Oct 29, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab expands no commission ETFs-no early sell fee
Replies: 42
Views: 2969

Re: Schwab expands no commission ETFs-no early sell fee

But Vanguard is in the TD Ameritrade program - so do they have those same sort of back compensation or are they the special exception? As far as we know, Vanguard does not play that game and it seems contrary to the way in which Vanguard is run. TD Ameritrade may have decided that it was still a go...
by JamesSFO
Wed Oct 29, 2014 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab expands no commission ETFs-no early sell fee
Replies: 42
Views: 2969

Re: Schwab expands no commission ETFs-no early sell fee

I am not saying these programs are a bad deal. They're not. I am saying that they're not free. The non-Schwab funds in the ETF supermarket program pay to be in the program. If there were no payola, then all ETFs would be in the program. Rick Ferri Yes, the non Schwab ETFs all really have much highe...
by JamesSFO
Wed Oct 29, 2014 8:41 am
 
Forum: Investing - Theory, News & General
Topic: Schwab expands no commission ETFs-no early sell fee
Replies: 42
Views: 2969

Re: Schwab expands no commission ETFs-no early sell fee

From 13 companies (but no Vanguard) in 6 categories. Schwab has similar stock market and bond ETFs to Vanguard with generally lower annual fees but smaller volumes and therefore slightly larger spreads. Here is a link to the list http://www.schwab.com/public/schwab/investing/investment_help/investm...
by JamesSFO
Wed Oct 29, 2014 1:08 am
 
Forum: Investing - Theory, News & General
Topic: Schwab expands no commission ETFs-no early sell fee
Replies: 42
Views: 2969

Re: Refinance or payoff mortgage

So you are planning to pay off the loan in 1.5 years? But you are worried you might not be able to and thus your 5/1 ARM would reset way higher?

What's the annual adjustment cap? Maximum lifetime cap?

What sorts of risk factors are there for not being able to pay off in 1.5 years?
by JamesSFO
Tue Oct 28, 2014 11:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance or payoff mortgage
Replies: 6
Views: 618

Re: shortest mortgage available

Pentagon Federal Credit Union (PENFED) does 5 year loans (HELOCs)
by JamesSFO
Tue Oct 28, 2014 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: shortest mortgage available
Replies: 14
Views: 1583

Re: Any tax advantages to ETF's vs mutual funds?

For Vanguard ETFs, not really because the mutual funds are a share class of the ETF. For most other ETFs the ETF would be more efficient than the comparable mutual fund.
by JamesSFO
Tue Oct 28, 2014 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any tax advantages to ETF's vs mutual funds?
Replies: 3
Views: 293

Re: To payoff mortgage or not

Congrats!
by JamesSFO
Tue Oct 28, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: To payoff mortgage or not
Replies: 64
Views: 3686

Re: Profit sharing plan not worth it in NJ with AMT

Ok, so NJ is really a red herring here. You should probably provide some insight on your other debts, but let's assume you had no debts. In that case, I think you are underestimating the value of the tax free growth for 20+ years if you invest in taxable while it can be highly efficient, you still a...
by JamesSFO
Sun Oct 26, 2014 12:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Profit sharing plan not worth it in NJ with AMT
Replies: 5
Views: 520

Re: Profit sharing plan not worth it in NJ with AMT

So you still get the Federal deduction as a business expense (K-1/Schedule C) fully right + tax free growth? Am I missing something?

EDIT: Just to be clear, you are still confusing me about what exactly is going on, I am perhaps misunderstanding you to be saying you don't get the NJ deduction....
by JamesSFO
Sat Oct 25, 2014 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Profit sharing plan not worth it in NJ with AMT
Replies: 5
Views: 520

Re: Profit sharing plan not worth it in NJ with AMT

Not 100% sure I'm following you, are you talking about the EMPLOYER contribution to a 401K plan? ($52K limit - $17.5K = $34.5K)

Even if NJ does not give you the full benefit of the deduction, you get the Federal deduction, no? And compound tax-free growth?
by JamesSFO
Sat Oct 25, 2014 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Profit sharing plan not worth it in NJ with AMT
Replies: 5
Views: 520

Re: Apple Pay, Google Wallet, credit, and us

I am more excited about the potential for restaurant dining where Open Table is enabling Apple Pay to go so you don't need to wait for your check, you just go to the Open Table app and pay online. Is that in the works? That would be of real value. Yes, it is already launched with a subset of Open T...
by JamesSFO
Sat Oct 25, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 79
Views: 6150

Re: Apple Pay, Google Wallet, credit, and us

I've found so far that (a) none of the cards I prefer to use are supported by Apple Pay and (b) none of the stores I visit have NFC readers (yet). I'm sure this will change over time, but so far Apple Pay has been a big 0 (in Week 1). I am more excited about the potential for restaurant dining where...
by JamesSFO
Sat Oct 25, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 79
Views: 6150

Re: Viewing forum on iPhone - font too small

Thanks for the update Alex!
by JamesSFO
Fri Oct 24, 2014 12:02 pm
 
Forum: Forum Issues and Administration
Topic: Viewing forum on iPhone [small font - Forum software update]
Replies: 23
Views: 1589

Re: Viewing forum on iPhone - font too small

Just a ping again to see if there is any chance of a more mobile friendly theme for the forums or at least an option for one....
by JamesSFO
Fri Oct 24, 2014 9:20 am
 
Forum: Forum Issues and Administration
Topic: Viewing forum on iPhone [small font - Forum software update]
Replies: 23
Views: 1589

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

And new thread with the 2014 actual announcement is here: viewtopic.php?f=10&t=149434&newpost=2234839
by JamesSFO
Thu Oct 23, 2014 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: I/EE Bonds Nov Rates and 2015 401K Limits?
Replies: 30
Views: 4138

Re: New B of A visa chip card, no pin needed?

I will just say that the I've used the PenFed chip card at unattended kiosks in Europe. EDIT to add, the PenFed cards are: CVM1: Chip-and-Signature CVM2: No CVM CVM3: Chip-and-PIN Which means that normally you wouldn't be asked for the PIN, but they do support chip-and-PIN See this google doc for mo...
by JamesSFO
Thu Oct 23, 2014 9:16 am
 
Forum: Personal Finance (Not Investing)
Topic: New B of A visa chip card, no pin needed?
Replies: 35
Views: 2566

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

Thanks for the catch on those being estimates. Her page usually had been so accurate and also it had just been updated. Oh, well.
by JamesSFO
Thu Oct 23, 2014 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: I/EE Bonds Nov Rates and 2015 401K Limits?
Replies: 30
Views: 4138

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

The benefits attorney now is showing $18K as 401K deferral ($53K for total EE + ER contribution limits) for 2015. Link: http://benefitsattorney.com/charts/maximums/

IRAs are going to $6K, catch up (over 50) to $6K.

All appears to have been posted today.
by JamesSFO
Wed Oct 22, 2014 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: I/EE Bonds Nov Rates and 2015 401K Limits?
Replies: 30
Views: 4138

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: 37
Views: 4009

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: 1223

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: 2493

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: 566

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: 1041

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: 566

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: 174

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: 104
Views: 10940

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: 62956

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: 62956

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: 1079

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: 1079

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: 1893

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: 6035

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: 836

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: 2008

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: 6035

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: 2758

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: 6035

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: 5929

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: 5929

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: 1238

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: 30
Views: 4138
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