Search found 1857 matches

by SSSS
Tue Aug 25, 2015 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Purchasing ETFs in Vanguard
Replies: 10
Views: 1043

Re: Purchasing ETFs in Vanguard

OK, I don't have a specific MM fund in my taxable account at Vanguard so that may be the issue. Now how to figure out how to get a MM fund with no $$ in the account. You can't have a brokerage account without a Money Market fund attached to it as a sweep account, and you can't buy ETFs without a br...
by SSSS
Tue Aug 25, 2015 5:10 am
Forum: Investing - Help with Personal Investments
Topic: Question about Vanguard policy on use of money market fund as temporary holding place
Replies: 11
Views: 1071

Re: Question about Vanguard policy on use of money market fund as temporary holding place

I don't know how opening a brokerage account will help you automate your savings or fund purchasing. It will make the money market fund exempt from minimum balance limits. Sweep accounts can be opened with any amount, even $0 or $1, and be kept at any amount indefinitely. You don't have to use the ...
by SSSS
Mon Aug 24, 2015 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Purchasing ETFs in Vanguard
Replies: 10
Views: 1043

Re: Purchasing ETFs in Vanguard

Since I don't have any funds in MM I thought I would transfer cash from the high yield savings to Vanguard then purchase the ETF but can't find a way to transfer cash into Vanguard. Your Money Market fund should have two relevant links, "Buy" and "Bank Transfer". If it's inside ...
by SSSS
Mon Aug 24, 2015 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Vanguard policy on use of money market fund as temporary holding place
Replies: 11
Views: 1071

Re: Question about Vanguard policy on use of money market fund as temporary holding place

I am puzzled because I tell V to withdraw money directly from checking to go into a mutual fund. Haven't used the automatic investment. I did use the MM at one time, but then I learned (or they changed) that I no longer needed that funded but could withdraw directly from bank account or CU account....
by SSSS
Mon Aug 24, 2015 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: how do i change cost basis?
Replies: 2
Views: 222

Re: how do i change cost basis?

It sounds like you might be trying to change the cost basis method through the "sell" interface. You actually have to go to this page to change it: https://personal.vanguard.com/us/XHTML/web/CostBasisAccountMaint/view/ViewPage.xhtml If you've ever sold shares from the account using Average...
by SSSS
Mon Aug 24, 2015 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Vanguard policy on use of money market fund as temporary holding place
Replies: 11
Views: 1071

Re: Question about Vanguard policy on use of money market fund as temporary holding place

If your money market fund is attached to a brokerage account, it's explicitly exempt from low balance limits. If you have Voyager status ($50,000 or more in Vanguard funds and ETFs), a brokerage account has no annual fee, so you can open a brokerage account (either specifying your existing money mar...
by SSSS
Mon Aug 24, 2015 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Cancelling mutual fund orders
Replies: 31
Views: 2222

Re: Cancelling mutual fund orders

I have it set up to withdraw money from my checking account, and doesn't ACH usually takes 2 days? so if today I made purchase before 4pm, I will get today's price but money comes in 2 days later? how does it work Assuming Vanguard. ACH time doesn't really matter. If you submit the order before 4PM...
by SSSS
Mon Aug 24, 2015 5:38 am
Forum: Investing - Help with Personal Investments
Topic: Cancelling mutual fund orders
Replies: 31
Views: 2222

Re: Cancelling mutual fund orders

got a question it says orders placed before 4pm EST you will be able to buy that day's funds, after 4 it will be next day but what time does it buy it? as soon as market opens? or I guess when the ACH transaction goes through? Should be 4PM the next day. Mutual funds are only priced at market close...
by SSSS
Wed Jul 08, 2015 1:21 am
Forum: Investing - Theory, News & General
Topic: Four Vanguard International Equity Index changing/broadening indexes
Replies: 77
Views: 8281

Re: Four Vanguard International Equity Index changing/broadening indexes

Sorry, I just received the e-mail from Vanguard today, at 1:30PM CST. I guess I was the last person they notified.
by SSSS
Tue Jul 07, 2015 1:48 pm
Forum: Investing - Theory, News & General
Topic: Four Vanguard International Equity Index changing/broadening indexes
Replies: 77
Views: 8281

Changes to four Vanguard international index funds

[Thread merged into here, see below. --admin LadyGeek] http://www.vanguard.com/pdf/FCPZRT.pdf The new indexes will add small-capitalization equity securities to the funds’ portfolios. In addition, the new index for the Emerging Markets Stock Index Fund will add China A-shares* to the fund’s portfol...
by SSSS
Fri Jun 26, 2015 1:26 pm
Forum: Personal Consumer Issues
Topic: Do you buy used cars like a Boglehead actually should?
Replies: 168
Views: 20178

Re: Do you buy used cars like a Boglehead actually should?

Followup question: I'm researching a first-time new car purchase, checking inventory at my local dealer, and there are a few cars that are listed as "new" but with 100-300 miles on them, for maybe $1000 cheaper. Are these likely to be cars that people have bought & returned? Would it m...
by SSSS
Thu Jun 25, 2015 3:23 pm
Forum: Personal Consumer Issues
Topic: Do you buy used cars like a Boglehead actually should?
Replies: 168
Views: 20178

Re: Do you buy used cars like a Boglehead actually should?

Bumping an old thread. Researching car buying options, I see from this thread that back in 2011 there was widespread sentiment that buying a used car from a dealership didn't offer much value over buying new, due to new car prices being down and used car prices being up. Do people still feel the sam...
by SSSS
Mon Jan 12, 2015 10:23 am
Forum: Investing - Theory, News & General
Topic: Why Is "Deflation" A Bad Thing??? How To Prepare/Profit?
Replies: 87
Views: 6727

Re: Why Is "Deflation" A Bad Thing??? How To Prepare/Profit

Because the majority of US citizens are in debt ... people would stop purchasing things. These points seem contradictory. If the majority are currently financially irresponsible and unable to practice delayed gratification, what makes you think they'd suddenly all become responsible, prudent, and f...
by SSSS
Fri Jan 02, 2015 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Earned income calculation for IRA contribution
Replies: 3
Views: 339

Earned income calculation for IRA contribution

I was out of the workforce for a while an only started working again at the start of December. I don't think I had enough earned income to make a full 2014 IRA contribution, so I'm trying to figure out how much I actually am allowed. Three paychecks might be a factor here: 1. Paycheck dated Dec 19 2...
by SSSS
Wed Jul 30, 2014 11:18 am
Forum: Investing - Theory, News & General
Topic: Anyone Switched to Vanguard Account Upgrade?
Replies: 20
Views: 4654

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
Mon Jul 07, 2014 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: JP Morgan botched 401k distribution
Replies: 36
Views: 2566

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 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: JP Morgan botched 401k distribution
Replies: 36
Views: 2566

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 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: JP Morgan botched 401k distribution
Replies: 36
Views: 2566

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 11:54 am
Forum: Investing - Help with Personal Investments
Topic: JP Morgan botched 401k distribution
Replies: 36
Views: 2566

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
Sat Jun 28, 2014 10:59 am
Forum: Investing - Help with Personal Investments
Topic: JP Morgan botched 401k distribution
Replies: 36
Views: 2566

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 5:40 am
Forum: Investing - Help with Personal Investments
Topic: JP Morgan botched 401k distribution
Replies: 36
Views: 2566

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
Fri Jun 27, 2014 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: JP Morgan botched 401k distribution
Replies: 36
Views: 2566

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 11:09 am
Forum: Investing - Help with Personal Investments
Topic: JP Morgan botched 401k distribution
Replies: 36
Views: 2566

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
Tue May 13, 2014 2:54 pm
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 80
Views: 3853

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 2:34 pm
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 80
Views: 3853

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 1:47 pm
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 80
Views: 3853

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 12:42 pm
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 80
Views: 3853

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 11:21 am
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 80
Views: 3853

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 10:48 am
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 80
Views: 3853

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
Mon May 12, 2014 7:26 pm
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 80
Views: 3853

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 7:12 pm
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 80
Views: 3853

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 6:52 pm
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 80
Views: 3853

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
Sun May 11, 2014 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on prenups
Replies: 99
Views: 4443

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 9:37 am
Forum: Investing - Theory, News & General
Topic: Why do we pay ER fees? [Expense Ratio]
Replies: 22
Views: 2233

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
Wed Mar 05, 2014 3:16 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing template/spreadsheet
Replies: 12
Views: 1537

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
Tue Feb 11, 2014 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: I received my federal tax refund this morning
Replies: 13
Views: 2531

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
Fri Feb 07, 2014 5:04 pm
Forum: Investing - Theory, News & General
Topic: Why so many Roth IRAs?
Replies: 44
Views: 4656

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 3:47 pm
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads invest differently?
Replies: 40
Views: 4358

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 3:13 pm
Forum: Investing - Theory, News & General
Topic: Why so many Roth IRAs?
Replies: 44
Views: 4656

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 2:56 pm
Forum: Investing - Theory, News & General
Topic: Why so many Roth IRAs?
Replies: 44
Views: 4656

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
Mon Sep 09, 2013 5:01 pm
Forum: Personal Consumer Issues
Topic: foreign transaction fees Amazon.ca ?
Replies: 7
Views: 613

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 4:46 pm
Forum: Personal Consumer Issues
Topic: foreign transaction fees Amazon.ca ?
Replies: 7
Views: 613

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 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Warning on "free" Morningstar trial
Replies: 24
Views: 2024

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
Thu Sep 05, 2013 4:36 pm
Forum: Personal Consumer Issues
Topic: .....
Replies: 15
Views: 2305

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 7:10 am
Forum: Investing - Theory, News & General
Topic: Individual Stocks - Do you own any?
Replies: 97
Views: 7945

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 5:57 am
Forum: Investing - Theory, News & General
Topic: "Social Security is not an asset"
Replies: 50
Views: 3777

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 Aug 29, 2013 9:01 am
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 223
Views: 51046

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
Tue Aug 20, 2013 1:05 pm
Forum: Personal Consumer Issues
Topic: [Left in bad situation] by Comcast
Replies: 19
Views: 2680

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 13, 2013 10:28 am
Forum: Investing - Theory, News & General
Topic: When Does the "Long Term" end?
Replies: 30
Views: 1927

Re: When Does the "Long Term" end?

Nothing ever ends.
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: 1032

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 &...

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