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Re: TD Ameritrade transaction fee to sell a fund

I have about $4000 there. It might be a small amount for them to give a pass.
by itworks
Sat Jun 14, 2014 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade transaction fee to sell a fund
Replies: 8
Views: 886

Re: TD Ameritrade transaction fee to sell a fund

Interesting idea. My taxable account with Vanguard has all admiral shares. Can they be transferred in-kind?
by itworks
Thu Jun 12, 2014 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade transaction fee to sell a fund
Replies: 8
Views: 886

TD Ameritrade transaction fee to sell a fund

I moved to 3-fund portfolio a couple of years ago, well, almost all accounts, except an ESA account with TD Ameritrade. I want to sell the fund, YACKX, in this account, but TDAmeritrade would charge me $49.99. I feel I have paid them way too much transaction fee at the time when I did the 3-fund con...
by itworks
Thu Jun 12, 2014 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade transaction fee to sell a fund
Replies: 8
Views: 886

Re: Vanguard: Cost Basis w/ SpecID

Kevin, I'd love to do a TLH pairs. There are two choices: Vanguard California Long-Term Tax-Exempt Fund (VCITX) Duration: 7.7 years (vs VCAIX 5.4 years) Vanguard Intermediate-Term Tax-Exempt (VWITX) Duration: 5.5 years I am more inclined to use VCITX for three reasons: 1. I am still in accumulation ...
by itworks
Fri Jan 31, 2014 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Cost Basis w/ SpecID
Replies: 19
Views: 1537

Re: R-Bonds

Announced in the state of union address by President just now. The thread is locked as of now:
viewtopic.php?f=10&t=131819&newpost=1941567
by itworks
Wed Jan 29, 2014 1:19 am
 
Forum: Investing - Theory, News & General
Topic: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)
Replies: 68
Views: 4652

Re: Vanguard: Cost Basis w/ SpecID

Awesome, David. I am writing it down.
by itworks
Wed Jan 29, 2014 12:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Cost Basis w/ SpecID
Replies: 19
Views: 1537

Re: Vanguard: Cost Basis w/ SpecID

Kevin, Finally it got resolved. I got an email yesterday (01/27/14): Thank you for taking the time to contact us. We've updated your account according to your instructions. And here is what is being shown (which is expected): Date acquired (covered shares) 12/06/2013 quantity price totalCost marketV...
by itworks
Tue Jan 28, 2014 10:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Cost Basis w/ SpecID
Replies: 19
Views: 1537

Fidelity Personal Retirement Annuity vs Taxable

I have been thinking about buying 50K Fidelity Personal Retirement Annuity (with the index 500 option, http://fundresearch.fidelity.com/annuities/summary/FXVLT), as part of my retirement portfolio, to replace the 50K Vanguard total stock in my taxable account. The main motivation is the yearly cost,...
by itworks
Mon Jan 20, 2014 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Personal Retirement Annuity vs Taxable
Replies: 5
Views: 705

Re: Vanguard: Cost Basis w/ SpecID

Kevin, it looks like you are seeing the same issue (assuming you purchased those shares recently with multiple transactions). I did get an email reply online today, which says "Your request is currently being researched, therefore we will contact you within three business days with the status o...
by itworks
Fri Jan 17, 2014 2:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Cost Basis w/ SpecID
Replies: 19
Views: 1537

Re: vanguard quality of service

I will give Vanguard 8 out of 10. Mostly, I just do things online and there is no need to contact customer service, and the website so far totally meets my needs. I do not need brokerage service. Altogether I should only have called Vanguard 3 times. - First time, it was regarding transferring a Rot...
by itworks
Thu Jan 16, 2014 12:58 am
 
Forum: Investing - Help with Personal Investments
Topic: vanguard quality of service
Replies: 63
Views: 4216

Re: Vanguard: Cost Basis w/ SpecID

Filed a secure email from Vanguard site two days ago, still no response, which is the reason I am posting here. Well I could wait for one more day and then probably give them a call. Last time when I called Vanguard about doing backdoor Roth, I was received lukewarmly with a bit impatience from the ...
by itworks
Thu Jan 16, 2014 12:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Cost Basis w/ SpecID
Replies: 19
Views: 1537

Re: Vanguard: Cost Basis w/ SpecID

Thanks Kevin.

All shares of this fund are purchased very recently, since early December 2013.

Does the fund type make a difference? The properly-behaves ones are Total Stock and Total International. The one in question is VCAIX (California Intermediate Muni). I think not...
by itworks
Wed Jan 15, 2014 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Cost Basis w/ SpecID
Replies: 19
Views: 1537

Vanguard: Cost Basis w/ SpecID

Invested in three funds in my vanguard taxable accounts. All three funds are set to use "SpecID" as cost basis. However, one of the funds always shows a single item as aggregated (even the shares were purchased in three transactions), but the other two show correctly as itemized by purchas...
by itworks
Wed Jan 15, 2014 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Cost Basis w/ SpecID
Replies: 19
Views: 1537

Re: "Alternative Indexing Strategies" talked in the latest M

thanks -- this seems to be the topic with lots of good discussions on the paper:

viewtopic.php?f=10&t=105171
by itworks
Sun Jan 12, 2014 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: "Alternative Indexing Strategies" talked in the latest Money
Replies: 27
Views: 3174

Re: How to establish Retirement Accounts with no income?

Yes it is called "Spousal IRA". Google it and you will find a ton of hits.
by itworks
Sun Jan 12, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to establish Retirement Accounts with no income?
Replies: 2
Views: 338

Re: "Alternative Indexing Strategies" talked in the latest M

Looks like Money has not make all articles of the latest issue (Jan/Feb 2014) available online yet. Below is captured from my camera (sorry for the low quality):

Image
by itworks
Sun Jan 12, 2014 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: "Alternative Indexing Strategies" talked in the latest Money
Replies: 27
Views: 3174

"Alternative Indexing Strategies" talked in the latest Money

Any diehard mind commenting on the diagram in page 74 of this issue? See http://www.bogleheads.org/forum/viewtopic.php?f=10&t=129589&newpost=1920177 The article is "the new face of stock picking". The diagram says "a test of alternative index strategies found that they all had...
by itworks
Sun Jan 12, 2014 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: "Alternative Indexing Strategies" talked in the latest Money
Replies: 27
Views: 3174

Re: Money Magazine takes Boglehead approach?

Borrowed this issue from the local library and it indeed reads slightly different from other issues with all those indexing articles. However, I have a speculation it is a direct result from the jump of SP500 in the past year. I do have a question on a diagram in page 74, talking about "alterna...
by itworks
Sun Jan 12, 2014 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: Money Magazine takes Boglehead approach?
Replies: 27
Views: 3560

Re: John Bogle's note

Wow.. congrats! How did you get it?
by itworks
Thu Jan 09, 2014 10:32 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: John Bogle's note
Replies: 5
Views: 1002

Re: Why Include Bonds in a Portfolio?

Bond should be included to reduce volatility. Roughly, arithmetic means is greater than geometric means, unless the all numbers are equal. The more disparate, the bigger the difference. With hypothetical numbers: let a+b=10, then the max of ab is achieved when a=b. e.g, 9*1 < 8*2 < 7*3 < 6*4 < 5*5 A...
by itworks
Mon Jan 06, 2014 2:42 am
 
Forum: Investing - Theory, News & General
Topic: Why Include Bonds in a Portfolio?
Replies: 74
Views: 4157

Re: Ohio 529 web site change

Looks like it is relatively easy to calculate the gain/loss for each investment choice. Go to "Account Overview", scroll down to "Transaction History", choose "All" to get all transactions. Then do a copy of the web page, paste it into a text editor. Inside text editor,...
by itworks
Fri Dec 27, 2013 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ohio 529 web site change
Replies: 2
Views: 267

Ohio 529 web site change

Holiday greetings! Ohio 529 site (collegeadvantage.com) has been totally revamped. The new one seems losing a feature that I like. Basically, for each investment choice in my portfolio, the old site allows me to see the gain/loss. However, the new site only shows a single number, which is the combin...
by itworks
Thu Dec 26, 2013 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ohio 529 web site change
Replies: 2
Views: 267

Re: Question on 1040-ES and Estimated Payments for 2013 Retu

Thanks David. I will ignore the forms then.
by itworks
Sun Apr 07, 2013 6:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question on 1040-ES and Estimated Payments for 2013 Return
Replies: 8
Views: 615

Re: Question on 1040-ES and Estimated Payments for 2013 Retu

Thanks. My question is really, whether do I need to make any estimated payment or not in 2013?
by itworks
Sun Apr 07, 2013 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question on 1040-ES and Estimated Payments for 2013 Return
Replies: 8
Views: 615

Question on 1040-ES and Estimated Payments for 2013 Return

I think I am a little confused by the 1040-ES printed out by Turbo tax -- first time for me. I guess it is because my 2012 withholding/credits are about 87% of the total tax. According to the following link (http://www.irs.gov/taxtopics/tc306.html), there are three possibilities to avoid under-payme...
by itworks
Sun Apr 07, 2013 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question on 1040-ES and Estimated Payments for 2013 Return
Replies: 8
Views: 615

Re: What Book Are You Currently Reading? Part V

All the Devils Are Here: The Hidden History of the Financial Crisis
Bethany McLean, Joe Nocera

Finished 40% so far.. fascinating story..

Is America run by those too-big-too-fail banks? (Mod - delete this sentence if not appropriate)
by itworks
Sun Mar 17, 2013 11:47 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1196177

Re: Lab service and ultrasound service recommendation

Bump... any more pointers / referrals to reasonably-priced lab service and ultrasound service? PS, I am always puzzled by US Healthcare system (as I came from another country). How can the university hospital facility charge so much? Aren't there any regulations on this? What is the role of "in...
by itworks
Sun Mar 03, 2013 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Lab service and ultrasound service recommendation
Replies: 12
Views: 830

Re: My HSA just got a lot better!

Logged into my optum health bank account and was pleasantly surprised that the three Vanguard funds are also added. Weird that there is no email communication on this change. And, this was contradictory to what my company benefit representative told me 3 weeks ago, who said there is no plan to adjus...
by itworks
Sat Mar 02, 2013 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: My HSA just got a lot better!
Replies: 19
Views: 3372

Lab service and ultrasound service recommendation

Here is a situation. Wife needs to do semi-annual check on some health situation, and do semi-annual lab service (blood sample) and radiology service (ultrasound) before visiting the doctor. She always goes to a local University hospital (referred by our PCP). The hospital is reputable but also expe...
by itworks
Sat Mar 02, 2013 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Lab service and ultrasound service recommendation
Replies: 12
Views: 830

Re: Question on Vanguard web site: hide fund with 0 balance

Awesome! Never noticed this.. shame on me (being working on some user-oriented projects for a while).
by itworks
Tue Jan 29, 2013 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on Vanguard web site: hide fund with 0 balance
Replies: 5
Views: 819

Question on Vanguard web site: hide fund with 0 balance

I love the vanguard web site, simple yet easy to use.. It must be designed with serious user experiences considerations. Just a quick question: I dislike seeing those funds with 0 balance listing there. Anyhow to configure my account to hide them? Searched around account settings but I could not fin...
by itworks
Tue Jan 29, 2013 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on Vanguard web site: hide fund with 0 balance
Replies: 5
Views: 819

Re: HSA Bank or Health Savings Administrators?

Saturna Capital is an interesting idea. Did a quick reading on their brochure: 1. It claims "no-fee" HSA If you invest in any of Saturna's no-load mutual funds, we will not charge you a custodial fee on your HSA or ESA account. There is never a fee on contributions or distributions, nor ar...
by itworks
Tue Jan 29, 2013 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Bank or Health Savings Administrators?
Replies: 33
Views: 4716

Re: HSA Bank or Health Savings Administrators?

Yep a few confirmed that 3 vanguard funds are added; however, not to my account :(

I've sent an email to my employer's benefits representative, asking for the possibility to add them. If those vanguard funds are added, I agree this would be simply the best choice for me.
by itworks
Tue Jan 29, 2013 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Bank or Health Savings Administrators?
Replies: 33
Views: 4716

Re: My HSA just got a lot better!

Thanks for the information. Logged into my Optum Health Bank account and I am disappointed those vanguard funds are not available. I am going to email my employer's benefits representative asking about the possibility to add them. @jlg: Yes different plans include different fee schedules and, likely...
by itworks
Tue Jan 29, 2013 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: My HSA just got a lot better!
Replies: 19
Views: 3372

Re: HSA Bank or Health Savings Administrators?

Good information from EmergDoc's blog. Just realized that Fidelity has HSA and fee is waived under some conditions. Since my 401K is with Fidelity, it seems a good choice for me to move to Fidelity for its spartan funds. PS, first year with HSA and the employer-picked custodian is Optum Health Bank...
by itworks
Tue Jan 29, 2013 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Bank or Health Savings Administrators?
Replies: 33
Views: 4716

Re: Happy Birthday Taylor

typically a lurker... I have to login and bump. Happy Birthday Taylor. Wish you all the best!
by itworks
Sat Jan 26, 2013 1:29 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor
Replies: 81
Views: 4275

Re: HSA Bank or Health Savings Administrators?

Good information from EmergDoc's blog. Just realized that Fidelity has HSA and fee is waived under some conditions. Since my 401K is with Fidelity, it seems a good choice for me to move to Fidelity for its spartan funds. PS, first year with HSA and the employer-picked custodian is Optum Health Bank ...
by itworks
Sun Jan 20, 2013 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Bank or Health Savings Administrators?
Replies: 33
Views: 4716

Re: Backdoor Roth + 401k + Defined Benefit Plan OK?

Re: Do I need to set up the Traditional IRA and convert to the Roth IRA before the end of 2012? I also wanted to do a back door Roth IRA conversion. I just called Vanguard about 20 min ago, and the customer service explicitly told me the "conversion" is "calendar year" event, whi...
by itworks
Sat Dec 29, 2012 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth + 401k + Defined Benefit Plan OK?
Replies: 15
Views: 1704

Re: Excess Roth IRA contribution - very bizarre situation

Thank a ton Allan! I already opened Traditional IRA accounts for spouse and myself with Vanguard, and funded $5000 each. I will call Vanguard to do the conversion soon. Still, isn't it weird if I do the conversion before 2012 tax filing? I mean, IRS clearly knows I am over income limit, but here we ...
by itworks
Sat Dec 29, 2012 12:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Excess Roth IRA contribution - very bizarre situation
Replies: 22
Views: 3152

Re: WSJ Interview Request

I might fit what she is looking for. Since last September, I've gradually consolidated wife's and my Roth IRA from four different institutions into Vanguard, and also liquidated all my taxable accounts from various institutions and opened a Vanguard account with 3-fund portfolio. I will email her to...
by itworks
Fri Dec 28, 2012 12:08 am
 
Forum: Investing - Theory, News & General
Topic: WSJ Interview Request
Replies: 8
Views: 1399

Re: Excess Roth IRA contribution - very bizarre situation

Thanks Alan. I will follow route #1 and do the Corrective distribution after 10/15/2013, using the Vanguard form and indicating deadline has passed. I will create a multi-day all day event in my calendar to make sure I do not forget! Your example of someone choosing 6% penalty intentionally is fasci...
by itworks
Wed Dec 26, 2012 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess Roth IRA contribution - very bizarre situation
Replies: 22
Views: 3152

Re: Excess Roth IRA contribution - very bizarre situation

Thanks Alan for the very clear explanation. I noticed your advice above is to pay $24 and report it in Form 5329 with 2012 return, and then pay $0 and report it in Form 5329 with 2013 return. Why not simply paying $24 in 2013 and reporting it in 2013 return, if I only need to pay the "penalty f...
by itworks
Tue Dec 25, 2012 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess Roth IRA contribution - very bizarre situation
Replies: 22
Views: 3152

Re: Excess Roth IRA contribution - very bizarre situation

Paying 6% penalty sounds a good solution. I can certainly pay $24 to save the headache. My question is, do I need to ONLY pay $24 for 2012, or pay another $24 for 2013 as well? Here is what I cut from a Vanguard form (bold added by me): If you remove the excess contribution after the applicable corr...
by itworks
Tue Dec 25, 2012 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess Roth IRA contribution - very bizarre situation
Replies: 22
Views: 3152

Re: Excess Roth IRA contribution - very bizarre situation

Thanks Allan. No, I do not want to do recharacterization to a TIRA. I just want the excess contribution (and earnings) returned to me, and I will pay income tax and 10% penalty on the earnings (which should be a small number anyway). This leaves me a clean plate for me to do back door Roth IRA. What...
by itworks
Mon Dec 24, 2012 11:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess Roth IRA contribution - very bizarre situation
Replies: 22
Views: 3152

Re: Excess Roth IRA contribution - very bizarre situation

What is being discussed by both of you are a bit beyond my comfortable zone. Thanks a ton anyway! I called Vanguard, and the customer service thought the best option is to have Fidelity calculate the gain from Jan. to Sep., then Vanguard will continue calculating the gain from Sep. to Dec. And, Fide...
by itworks
Mon Dec 24, 2012 7:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess Roth IRA contribution - very bizarre situation
Replies: 22
Views: 3152

Re: Excess Roth IRA contribution

Thank you Alan. I think I get the gist of your proposal, but still not clear about the details. Three questions: 1. I also transferred another Roth account from TD Ameritrade to Vanguard in 2012, and it looks like those from Fidelity and those from TD Ameritrade are already mixed together and recate...
by itworks
Sun Dec 23, 2012 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess Roth IRA contribution - very bizarre situation
Replies: 22
Views: 3152

Excess Roth IRA contribution - very bizarre situation

I think I am running into a bizarre situation and need help here. 1. Sometime in September 2012, I transferred most of the assets in my Roth IRA account in Fidelity to Vanguard, and leave about $300 in Fidelity 2. Throughout year 2012, I contributed about $400 to my Roth IRA account in Fidelity; I d...
by itworks
Sun Dec 23, 2012 1:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Excess Roth IRA contribution - very bizarre situation
Replies: 22
Views: 3152

Roth IRA contribution limit 2012 question

Folks, This would be the first time that wife and my MAGI exceeds the 183K, the Roth IRA contribution limit (getting tired of current position and in the process of exercising options). Tax is filed jointly. Haven't contributed anything to 2012 Roth yet. Question: Assuming my W2 is 180K, and wife is...
by itworks
Wed Dec 19, 2012 3:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA contribution limit 2012 question
Replies: 1
Views: 449

Thanks everyone for the great advices -- as lots of posters pointed out, I need to educate myself more and read more. @word: I am trained as an engineer and make a living by writing computer programs which emphasize "logic". What you said is spotted on. I will give the book Bernstein's &qu...
by itworks
Tue Jan 18, 2011 2:18 am
 
Forum: Investing - Theory, News & General
Topic: help overcome this puzzle.. before fully bogleheading myself
Replies: 22
Views: 3047
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