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Re: Anyone Switched to Vanguard Account Upgrade?

A couple years ago before they announced this, I got $10 for doing a survey where I read the proposed documentation & answered questions on it.

It's cool to see that they actually implemented it, but apparently like most I'm not eligible.
by SSSS
Wed Jul 30, 2014 11:18 am
 
Forum: Investing - Theory, News & General
Topic: Anyone Switched to Vanguard Account Upgrade?
Replies: 20
Views: 3543

Re: JP Morgan botched 401k distribution

DId they indicate that the BBB got involved? Maybe they just investigated some of your complaints directly. About two minutes before they called me, the BBB case was updated to say they had contacted me, which left me rather confused for those two minutes until the phone rang. This still leaves the...
by SSSS
Mon Jul 07, 2014 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: JP Morgan botched 401k distribution
Replies: 36
Views: 2421

Re: JP Morgan botched 401k distribution

Update -- much to my surprise, the BBB complaint I filed actually yielded results. I just got a call from someone who said they could nullify the distribution and return all the money to my account. They confirmed that the person I initially spoke to was in error when he said the plan allowed distri...
by SSSS
Mon Jul 07, 2014 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: JP Morgan botched 401k distribution
Replies: 36
Views: 2421

Re: JP Morgan botched 401k distribution

Others will have to speak about the best way, but I believe you could out it all in a Traditional IRA with a basis as you outlined above (basis will be established on your tax paperwork) and then roll over the appropriate funds to a Roth IRA. That, or simply put $26 in a Roth IRA directly and the r...
by SSSS
Mon Jul 07, 2014 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: JP Morgan botched 401k distribution
Replies: 36
Views: 2421

Re: JP Morgan botched 401k distribution

Thanks to all who responded. The distribution took place on May 13th according to the account website, with the check being dated May 14th. I believe the 60-day window for rolling over to an IRA expires on July 12th, so I should probably start the ball rolling on that very soon. The distribution amo...
by SSSS
Mon Jul 07, 2014 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: JP Morgan botched 401k distribution
Replies: 36
Views: 2421

Re: JP Morgan botched 401k distribution

It is indeed the law that after tax distributions must bring a share of earnings but the OP said that the distribution actually came from all accounts meaning from tax deferred contributions/matching as well so we need to know if that is accurate or an assumption based on part of the distribution b...
by SSSS
Sat Jun 28, 2014 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: JP Morgan botched 401k distribution
Replies: 36
Views: 2421

Re: JP Morgan botched 401k distribution

I don't think this is a JP Morgan problem. I don't think what you want to do is legal. I wouldn't have a problem with it if JP Morgan had said it wasn't possible when I asked them if they could do this. Instead, they flat-out told me they could do a distribution of only the after-tax money, and the...
by SSSS
Sat Jun 28, 2014 5:40 am
 
Forum: Investing - Help with Personal Investments
Topic: JP Morgan botched 401k distribution
Replies: 36
Views: 2421

Re: JP Morgan botched 401k distribution

I think that any distribution has to come out in proportion to the funds in the account, pre and post tax. When I was employed it was a never a problem to do a distribution of only the after-tax funds from the 401k. I didn't even have to call them for it, there was a special option for it on the we...
by SSSS
Fri Jun 27, 2014 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: JP Morgan botched 401k distribution
Replies: 36
Views: 2421

JP Morgan botched 401k distribution

While I was employed I was using after-tax 401k contributions & in-service rollovers to my IRA to exceed the ~$17K yearly contribution limit. When I left my job I had about $1200 of after-tax funds in my 401k. I called and asked them if it was possible to do a distribution of only the after-tax ...
by SSSS
Fri Jun 27, 2014 11:09 am
 
Forum: Investing - Help with Personal Investments
Topic: JP Morgan botched 401k distribution
Replies: 36
Views: 2421

Re: Soylent

You know you could always have lived on nutritionally balanced sludge if you wanted? How can you call it "sludge" if you haven't even tried it? Is it really that hard to believe that it's superior to most other foods in terms of taste? Blend porridge oats with milk, and mash up a vitamin ...
by SSSS
Tue May 13, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 80
Views: 3567

Re: Soylent

They're also reporting they feel incredibly full, but not bloated. I can confirm this for my DIY mix. Slamming down 500 calories (zero sugar, high fiber) and a liter of water in less than 30 seconds is incredibly satisfying and staves off hunger for hours. I haven't tried the official product yet. ...
by SSSS
Tue May 13, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 80
Views: 3567

Re: Soylent

Is this blend posted on the forums? Same username? I love whey. I discovered it because I have a nephew who is a very picky eater and apparently his whole baseball team eats whey blended with tasty stuff. It'll be several more weeks before I get to try the official Soylent. I don't have my recipe s...
by SSSS
Tue May 13, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 80
Views: 3567

Re: Soylent

I had a roommate in college who said that he wished he had a flap on his stomach he could just shove generic food into occasionally and be done with it. I think I'll send him an e-mail and see if he's switched to soylent. I have to say this attitutde mystifies me because I consider eating good food...
by SSSS
Tue May 13, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 80
Views: 3567

Re: Soylent

It's not the end of the world, but I noticed that no matter what the topic is, most people chime in with their own preferences and often ... Sometimes personal tidbits are interesting, but a lot responses seem to express this sentiment: "[i]Not for me, pal. You've been hustled. Let me tell you...
by SSSS
Tue May 13, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 80
Views: 3567

Re: Soylent

protagonist wrote:If you can afford a laptop to do this, why not just eat food?


What do you propose for people who hate cooking but can't financially justify eating at restaurants every day?
by SSSS
Tue May 13, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 80
Views: 3567

Re: Soylent

I'm trying to picture how the commercial (sales pitch) for Soylent would go. Any ideas? Maybe some smiling kids with a soylent mustache? There's a video on the front page of http://soylent.me/ Not what I was picturing. A little creepy. Here's the old video that was on the site until a week or two a...
by SSSS
Mon May 12, 2014 7:26 pm
 
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 80
Views: 3567

Re: Soylent

pennstater2005 wrote:I'm trying to picture how the commercial (sales pitch) for Soylent would go. Any ideas? Maybe some smiling kids with a soylent mustache?


There's a video on the front page of http://soylent.me/
by SSSS
Mon May 12, 2014 7:12 pm
 
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 80
Views: 3567

Re: Soylent

I've been doing a $2/day DIY recipe for several months now & I couldn't be happier with it. I only eat traditional food once every 3-4 days. Nevertheless, the OP's soylent does not seem to be less expensive than "real" food. The official product is ridiculously expensive, but it's only...
by SSSS
Mon May 12, 2014 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 80
Views: 3567

Re: Thoughts on prenups

hq38sq43 wrote:Warren Buffett has said and written many times that he has learned to do business only with people he likes, trusts, and admires.


Does Warren Buffett sign contracts with these people he likes/trust/admires, or does he do all this business without a written contract?
by SSSS
Sun May 11, 2014 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on prenups
Replies: 99
Views: 4283

Re: Why do we pay ER fees?

Don't get me wrong, I've love to have a fund with no load and no ER. :happy I believe there are funds like that. They are run by Mr. Ponzi. A couple years ago I saw an actively managed fund that was offering a negative expense ratio to try to rebuild their asset base after a lot of investors left d...
by SSSS
Sun May 11, 2014 9:37 am
 
Forum: Investing - Theory, News & General
Topic: Why do we pay ER fees? [Expense Ratio]
Replies: 22
Views: 2200

Re: Rebalancing template/spreadsheet

This link is a copy of my spreadsheet: https://docs.google.com/spreadsheet/ccc?key=0Alz0CwPKYu7QdHBleG5IdG9ZUzdPU25vZWVTSktxOWc&usp=sharing That will take you to a read-only copy. If you're signed into a Google account, you can "Make a Copy" from the File menu & will be able to edi...
by SSSS
Wed Mar 05, 2014 3:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing template/spreadsheet
Replies: 12
Views: 1378

Re: I received my federal tax refund this morning

It'll probably be a while longer for me -- TaxAct banned me because something in my return kept crashing their server. :(
by SSSS
Tue Feb 11, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: I received my federal tax refund this morning
Replies: 13
Views: 2501

Re: Why so many Roth IRAs?

Maybe I'm missing something, but why would anyone contribute after-tax income to a traditional IRA? At least four reasons: 1. Backdoor Roth conversion to circumvent Roth IRA income limits. 2. Didn't realize they wouldn't be able to deduct it (a surprising number of people don't know about the harsh...
by SSSS
Fri Feb 07, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Why so many Roth IRAs?
Replies: 44
Views: 4577

Re: Why do Bogleheads invest differently?

One thing to consider is that a "total stock market" index fund doesn't necessarily indicate a true market portfolio. For example, micro-cap companies are not included, but micro-cap mutual funds tend to be garbage (due to the difficulty of investing in micro-caps), so you might over-weigh...
by SSSS
Fri Feb 07, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads invest differently?
Replies: 40
Views: 4275

Re: Why so many Roth IRAs?

Thanks for the response. I guess there was some bad information earlier in the thread. The income limits have nothing to do with whether or not your employer offers a 401k. edit: Oops, it looks like there are tighter income limits if your employer offers a retirement plan. I'd assume that a pension...
by SSSS
Fri Feb 07, 2014 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: Why so many Roth IRAs?
Replies: 44
Views: 4577

Re: Why so many Roth IRAs?

This leaves me with a question... am I also prohibited from using a traditional IRA because of my employer's 401/457? Anyone* can contribute to a traditional IRA, but there are strict income limits in order to be able to deduct those contributions. These are the income limits: Single: <$60,000 for ...
by SSSS
Fri Feb 07, 2014 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: Why so many Roth IRAs?
Replies: 44
Views: 4577

Re: foreign transaction fees Amazon.ca ?

Update to my previous post -- I went back and checked my credit card statement for my amazon.co.uk purchases, and even though it did mention "amazon.co.uk" in the description, it listed the merchant address as Amazon's headquarters in Seattle, WA. So basically as long as you use the curren...
by SSSS
Mon Sep 09, 2013 5:01 pm
 
Forum: Personal Consumer Issues
Topic: foreign transaction fees Amazon.ca ?
Replies: 7
Views: 527

Re: foreign transaction fees Amazon.ca ?

I ordered from amazon.co.uk a few times, and when I entered a US billing address, they gave an option of charging in USD, which avoided the credit card company charging a foreign currency conversion fee. Their conversion rate seemed to match the current spot rate at the time, whereas the credit card...
by SSSS
Mon Sep 09, 2013 4:46 pm
 
Forum: Personal Consumer Issues
Topic: foreign transaction fees Amazon.ca ?
Replies: 7
Views: 527

Re: Warning on "free" Morningstar trial

Always assume that if you give someone your credit card number, they will charge something to it. See if your credit card company offers single-use card numbers, and limit it to $1, or use an old pre-paid "gift" credit card with only a small amount left on it. For situations where you've a...
by SSSS
Mon Sep 09, 2013 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Warning on "free" Morningstar trial
Replies: 24
Views: 1866

Re: Alternatives to Yahoo for Throwaway e-mail Account

mailinator.com I use mailinator.com all the time - but it is not privacy-friendly, it is no privacy. The alternate address feature helps a lot. If you log in to mailbox AEFWEVSDF , you'll see an alternate e-mail address m8r-g37kqy@mailinator.com. If you only give out that address instead of AEFWEVS...
by SSSS
Thu Sep 05, 2013 4:36 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 15
Views: 2237

Re: Individual Stocks - Do you own any?

I have some ESPP shares. This is my normal decision-making process when ESPP shares are issued: 1. If the qualifying date is more than a year out, sell all shares immediately. 2. If the qualifying date is only a year out, sell half the shares immediately and sell the other half a year later on the q...
by SSSS
Thu Sep 05, 2013 7:10 am
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks - Do you own any?
Replies: 97
Views: 7313

Re: "Social Security is not an asset"

This thread makes me wonder, are there reverse annuities where you receive a lump sum for promising to sign over your social security for the rest of your life? If not, why not?
by SSSS
Thu Sep 05, 2013 5:57 am
 
Forum: Investing - Theory, News & General
Topic: "Social Security is not an asset"
Replies: 50
Views: 3657

Re: Windows XP users

If an XP user is using Mozilla Firefox I assume that they are not affected by the support stoppage? It's up to the Firefox developers how long they'll support XP. They only dropped support for Windows 2000 last year (along with pre-SP2 versions of Windows XP), when only 0.5% of Firefox users were r...
by SSSS
Thu Aug 29, 2013 9:01 am
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 223
Views: 49325

Re: [Left in bad situation] by Comcast

Phone number portability between carriers is a very complicated subject & from a technical perspective it's considered small miracle if it ever works flawlessly. In general it should not be possible to request porting of a number you don't own, however if the person in question was willing to li...
by SSSS
Tue Aug 20, 2013 1:05 pm
 
Forum: Personal Consumer Issues
Topic: [Left in bad situation] by Comcast
Replies: 19
Views: 2618

Re: When Does the "Long Term" end?

Nothing ever ends.
by SSSS
Tue Aug 13, 2013 10:28 am
 
Forum: Investing - Theory, News & General
Topic: When Does the "Long Term" end?
Replies: 30
Views: 1854

Re: Why should you invest in precious metals?

I don't consider gold and silver part of my investment portfolio. I consider them emergency funds for certain classes of emergency, including emergencies where either the US dollar no longer has value or financial accounts are impossible to access. Also, they are shiny objects you can take out &...
by SSSS
Thu Aug 01, 2013 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: Why should you invest in precious metals?
Replies: 13
Views: 1002

Re: Which calculator to use?

Why would you accept 0.07% when online savings accounts pay ten times that?

Also, if you only hold the loan for credit building purposes, why not pay off most of it and then only leave a small amount open on the loan?
by SSSS
Thu Aug 01, 2013 7:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Which calculator to use?
Replies: 8
Views: 1088

Re: Your take on layaway

livesoft wrote:When school starts and the kids need clothes and you got no money


Why would the kids suddenly need clothing just because school is starting? What (if anything) did they wear during the summer?
by SSSS
Sun Jul 28, 2013 7:38 am
 
Forum: Personal Consumer Issues
Topic: Your take on layaway
Replies: 40
Views: 2442

Re: Why do so many do the opposite of Mr. Bogle suggests?

When was "opposite" redefined to mean "not absolutely identical"?
by SSSS
Mon Jul 15, 2013 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Why do so many do the opposite of Mr. Bogle suggests?
Replies: 76
Views: 5694

Re: deposit check via scan

I've never tried to deposit via ING/CapOne360's website, but their phone app has always worked flawlessly for me.

I recently switched to Ally & their phone app has worked well the one time I've used it. It also has a $10,000 limit, which is higher than ING/CapOne360.
by SSSS
Sun Jul 14, 2013 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: deposit check via scan
Replies: 15
Views: 1613

Re: Overfunding a 401K

I'm curious about this as well.
by SSSS
Thu Jul 11, 2013 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: Overfunding a 401K
Replies: 3
Views: 1096

Re: Wash sale 101

Technically yes, however Vanguard (assuming both accounts are even at Vanguard) won't recognize it as a wash sale and won't report it to the IRS as one, so you'd have to self-report it (and update the basis information on your taxable account so it wouldn't be inaccurate in the future).
by SSSS
Wed Jul 10, 2013 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wash sale 101
Replies: 10
Views: 513

Re: Where's the "percent Treasury" in V dividends?

There should have been a brochure included with the tax forms Vanguard sent you. It lists percentages for all Vanguard funds holding treasury securities. If you can't find it, they probably have it on the website somewhere or they could send you another copy.
by SSSS
Wed Jul 10, 2013 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: Where's the "percent Treasury" in V dividends?
Replies: 3
Views: 372

Re: bitcoin bust; bitcoin etf

I have an strong interest in Bitcoin (as a currency, not an investment), but I'm really skeptical about how an ETF would work. Converting USD to BTC or vice versa requires dealing with an exchange. The exchanges are mostly small, unregulated businesses operating in a wide variety of foreign countrie...
by SSSS
Wed Jul 10, 2013 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: bitcoin bust; bitcoin etf
Replies: 52
Views: 5613

Re: Should I switch to Ally checking?

The fact that they have that level of security, plus I have an RSA token with them, is part of the reason I really like Schwab and think they are MILES ahead of Vanguard in security and checking. My beef with Schwab is that (on my accounts, at least) they only allow passwords up to 8 characters, al...
by SSSS
Sat Jun 29, 2013 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I switch to Ally checking?
Replies: 15
Views: 2766

Re: "Beggar" at gas station - how would you handle it?

I've heard this is a common scam. Instead of offering money, offer to fill their gas can for them. If they don't seem interested, they're probably lying about the situation.
by SSSS
Tue Jun 25, 2013 5:07 pm
 
Forum: Personal Consumer Issues
Topic: "Beggar" at gas station - how would you handle it?
Replies: 73
Views: 5464

Re: Lumpsum investing versus DCF

DCA should not be confused with periodic investing (it often is). Periodic investing is a very good thing. That is when you invest by payroll deductions, as perhaps in a 401k. That is a sequence of LS investments. You are investing the entire payroll amount as soon as it is available. DCA means you...
by SSSS
Tue Jun 25, 2013 11:31 am
 
Forum: Investing - Theory, News & General
Topic: Lumpsum investing versus DCA
Replies: 194
Views: 4157

Re: Lumpsum investing versus DCF

I am convinced about Lumpsum better than DCF. My question is - should I be applying the same principle to my 401k and IRA (i.e. do the maximum contribution as soon as possible)? For IRA I start the ball rolling on January 1st (which is a holiday, yes, but generally you can still put requests in). F...
by SSSS
Tue Jun 25, 2013 9:00 am
 
Forum: Investing - Theory, News & General
Topic: Lumpsum investing versus DCA
Replies: 194
Views: 4157

Re: Thoughts on lump sum investing?

Frengo wrote:But since off the gate you don't know who you'll turn out to be, find solace in the simple, indisputable, fact that with DCA you will never be as bad as the worst lump-sum investors.


Do you have any evidence to back that up?
by SSSS
Mon Jun 24, 2013 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on lump sum investing?
Replies: 70
Views: 2641

Re: Thoughts on lump sum investing?

DCA doesn't make sense to me. Okay, you're afraid of a 50% market crash the day after your lump sum investment -- that's fair. So you faithfully DCA over the course of 2 years, the market is essentially flat over that period... and then the day after your last DCA investment, there's a 50% market cr...
by SSSS
Mon Jun 24, 2013 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on lump sum investing?
Replies: 70
Views: 2641
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