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Re: Vanguard Ultra-Short-Term Bond Fund coming in early 2015

If it is late in the afternoon, and your Vanguard account is showing $452.16 in your Prime Money Market Account, and you have $20,000 in your checking account, can you successfully place an order for a) $5,000 of VTSMX, b) five TIPS bonds at auction? Yes for (a). In fact you don't need a Prime Mone...
by tfb
Tue Nov 25, 2014 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Ultra-Short-Term Bond Fund coming in early 2015.
Replies: 33
Views: 2750

Re: Vanguard Ultra-Short-Term Bond Fund coming in early 2015

It's pretty obvious what's needed (OK, what I would personally like). An honest-to-gosh FDIC-insured-to-$250,000 bank savings or MMDA account, with the necessary behind-the-scenes deals, business arrangements, plumbing, whatever to make it look and work exactly like a settlement account. An online ...
by tfb
Tue Nov 25, 2014 6:24 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Ultra-Short-Term Bond Fund coming in early 2015.
Replies: 33
Views: 2750

Re: How should wife counter salary offer within current co.?

My wife recently applied for and was offered a leadership position within her company. The new position will incur greater responsibilities. The offer was only a 5.7% raise. She was expecting a 15-20% raise based on her previous management salary with a previous employer (which was in a similar fie...
by tfb
Tue Nov 25, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 58
Views: 4844

Re: How to transfer money from bank to vanguard automaticall

That is my point. Everyone keeps telling this person it is easy to pull, that is not what they want. They want a push. I'm saying you are going to have a hard time finding a bank willing to do a push. Vanguard doesn't know how much you have in your checking account. Other than a fixed amount on a p...
by tfb
Tue Nov 25, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to transfer money from bank to vanguard automatically?
Replies: 15
Views: 1790

Re: Vanguard Money Market Fund - keep open ?

JohnFiscal wrote:so... all Bogleheads are just closing their VMMR funds? (or already have)

Yes, for non-retirement accounts, at least those who paid attention.
by tfb
Tue Nov 25, 2014 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market Fund - keep open ?
Replies: 12
Views: 786

Re: PBGC guarantees 401(k) rollovers to pensions

I don't know that many pension plans even accept rollovers from DC plans. Pensions are typically average high-X salary * years of service * y%. What do they do with the $50k you roll in? Unless it's offering special purchases of additional years of service. I only saw public sector pensions offering...
by tfb
Tue Nov 25, 2014 10:01 am
 
Forum: Investing - Theory, News & General
Topic: PBGC guarantees 401(k) rollovers to pensions
Replies: 3
Views: 271

Re: My Health care monthly premiums doubled after ACA

rec7 wrote:It went from $115 to $205 not quiet a double. My income is under 12k so no subsidy.

You can easily create some income by converting some pre-tax money to Roth. If you bump your income up just a little bit you will also get a lower deductible and co-pay.
by tfb
Sun Nov 23, 2014 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 3205

Re: Wire transfer from Europe (fees, exchange rate)

LifeIsGood wrote:Have you considered Paypal? I understand they have fairly competitive currency conversion rates.

They do not.
by tfb
Sun Nov 23, 2014 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Wire transfer from Europe (fees, exchange rate)
Replies: 16
Views: 800

Re: Fidelity Rewards Amex Activation Experience

Keep in mind that this card is serviced by FIA Card Services (formerly MBNA; now owned by Bank of America) not Fidelity. +1. It had nothing to do with Fidelity. The OP is bumped to a CSR likely because (1) the automated system was down; or (2) the originating phone number wasn't the same as provide...
by tfb
Sun Nov 23, 2014 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Amex Activation Experience
Replies: 20
Views: 1159

Re: I Borrowed Against my 401K

FloridaCracker wrote:With either option, $600 will be going into the account and enter the market.

Then I would do (2) because it reduces the amount of the loan and the size of any possible sudden repayment demand.
by tfb
Sat Nov 22, 2014 9:00 am
 
Forum: Personal Finance (Not Investing)
Topic: I Borrowed Against my 401K
Replies: 18
Views: 1809

Re: United Healthcare Bronze HSA 100

thegarv wrote:I estimate it will cost me somewhere between $3,000 and $4,000 per year extra to go with them.

Even if you just pay the extra 20% in off chances you are not getting a referral, that should be enough?
by tfb
Sat Nov 22, 2014 8:48 am
 
Forum: Personal Finance (Not Investing)
Topic: United Healthcare Bronze HSA 100
Replies: 2
Views: 481

Re: If my company takes out too much social security tax

Yes. It happens to people who change jobs all the time. Tax software will do it automatically based on your W-2 entries.
by tfb
Sat Nov 22, 2014 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: If my company takes out too much social security tax
Replies: 2
Views: 263

Re: Vanguard offers login security code

I wish that Vanguard would accommodate those of us who don't have cell phones or Google Voice by sending security codes to us via email. Granted, it wouldn't be as secure as two-factor authentication, but it would be more secure than having no security codes at all. Google Voice is free, and I reme...
by tfb
Fri Nov 21, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard offers login security code
Replies: 68
Views: 5612

Re: After Tax Contributions to 401k???

niceguy7376 wrote:Do you have that option available in your 401K? It is only a "least known secret" because it is not offered everywhere.

Exactly. Over the last 20 years my wife and I worked at 8 different employers. All had/have 401k plans. None offered this feature. We must be really unlucky.
by tfb
Fri Nov 21, 2014 7:43 pm
 
Forum: Investing - Theory, News & General
Topic: After Tax Contributions to 401k???
Replies: 16
Views: 1382

Re: Vanguard offers login security code

Some people have plans that cost extra for texting. I not only did not pay to add unlimited texting, I asked them to turn off the texting capability so I would not be paying for spam texts. Anyone I want to "text" with has an iPhone. Now, if Vanguard would offer the iPhone IM option .... ...
by tfb
Fri Nov 21, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard offers login security code
Replies: 68
Views: 5612

Re: Help: Three Fund Portfolio at Fidelity

Or use a Freedom Index fund that invests in all three. https://www.fidelity.com//fund-screener/evaluator.shtml#!&ntf=Y&ft=BAL_TD%2CBAL_TI%2CBAL_TK%2CBAL_TG%2CBAL_TN%2CBAL_TH%2CBAL_TE%2CBAL_TA%2CBAL_TJ%2CBAL_TL&mgdBy=F&sortBy=FUND_MST_LEGAL_NM&sortDr=asc&expV=advanced&expA...
by tfb
Thu Nov 20, 2014 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 25
Views: 2223

Re: ACA subsidy question

jim779 wrote:If you make too little money to qualify for a subsidy can you buy a policy through the ACA website anyway?

Make more money and qualify for a subsidy by converting some money from traditional 401k/IRA to Roth.
by tfb
Thu Nov 20, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy question
Replies: 8
Views: 845

Re: Can I max out day job 401k and Individual 401k for side

So it seems that $52,000 is the absolute maximum from any combined uses of tax sheltered vessels in 2014. Is that correct? Not correct. It's the max per [unrelated] employer, not including age 50 catch up, not including 457 (if your employer has one), not including personal IRA. I probably forgot a...
by tfb
Thu Nov 20, 2014 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I max out day job 401k and Individual 401k for side biz?
Replies: 7
Views: 1026

Re: What financial tools/software do you use?

stickman731 wrote:Yes, MSMoney still works, but it does not handle stock transactions.

I guess you have a different definition for "handle." It handles stock transactions for me just fine.
by tfb
Thu Nov 20, 2014 12:16 am
 
Forum: Personal Finance (Not Investing)
Topic: What financial tools/software do you use?
Replies: 35
Views: 2219

Re: Does Fidelity allow Real Estate investments?

would there be any way to buy and use a real estate rental property as a part of a solo 401k? or isnt that really even an option in such a plan? if so, how and where could i go about doing such things? thanks. Not really a good idea, but if you must, google "self-directed ira." You lose t...
by tfb
Wed Nov 19, 2014 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does Fidelity allow Real Estate investments?
Replies: 9
Views: 1139

Re: What financial tools/software do you use?

What are these Vanguard/Fidelity/Financial Institution's Programs that are getting many votes? I know of no program from Vanguard. Just the pie charts?
by tfb
Wed Nov 19, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: What financial tools/software do you use?
Replies: 35
Views: 2219

Re: My 2015 ETF IRA purchase date: 30 DEC 2014

*Can you go one day earlier if your broker allows you to transfer funds on the settlement date to clear trades? Sure, but I’ve never bothered to determine if VBS would go for that – I like a wider margin of safety when dealing with them. If you are pushing it, why not push all the way? If you like ...
by tfb
Tue Nov 18, 2014 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: My 2015 ETF IRA purchase date: 30 DEC 2014
Replies: 3
Views: 755

Re: Vanguard Individual 401K Rollovers

What differentiates the i401k offered by these particular companies is what the Adoption Agreement chooses to elect. Therefore, if the wording of the plan document states something like "the plan sponsor [Vanguard] may elect for Traditional IRA's Rollovers into the 401k plan" then you mus...
by tfb
Mon Nov 17, 2014 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Individual 401K Rollovers
Replies: 31
Views: 2468

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

Now I'm confused - the referenced VG page has this †TurboTax Online users who are filing Schedules D or E are required to use TurboTax Premier. Users filing Schedules C or F must use TurboTax Home & Business. This change currently doesn't apply to TurboTax Desktop products. My guess is that &qu...
by tfb
Mon Nov 17, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 87
Views: 9117

Re: 401K catch-up if >70.5

john94549 wrote:Query: if one is 70.5 years of age and still employed, and a 401K participant, can the employee still make catch-up contributions to one's 401K?

Yes.
by tfb
Mon Nov 17, 2014 10:08 am
 
Forum: Investing - Theory, News & General
Topic: 401K catch-up if >70.5
Replies: 5
Views: 370

Re: Take ACA Subsidy vs. Roth coversion???

Depends on how much you need to convert. If a lot, not enough to fit just between 65 and 70, you can convert some every year up to just under the 400% FPL line, or take a bigger bath in one year and none the other years. The subsidy basically creates a surcharge on marginal tax rate. See blog posts:...
by tfb
Mon Nov 17, 2014 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Take ACA Subsidy vs. Roth coversion???
Replies: 7
Views: 989

Re: Vanguard Individual 401K Rollovers

I have a hard copy, but I don't think an electronic one. Can you look for a section with the heading "ROLLOVER CONTRIBUTIONS"? Her's what the new doc says: 3.07 ROLLOVER CONTRIBUTIONS Unless otherwise elected in the Adoption Agreement, an Employee may make Indirect Rollover and Direct Rol...
by tfb
Sun Nov 16, 2014 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Individual 401K Rollovers
Replies: 31
Views: 2468

Needed: Vanguard solo 401k document before latest revisions

In this thread it appears the latest Vanguard solo 401k document says it accepts incoming rollovers from other plans and IRAs. But when someone asked, Vanguard said they still don't accept. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=150289 If someone saved the old plan document before t...
by tfb
Sun Nov 16, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Needed: Vanguard solo 401k document before latest revisions
Replies: 1
Views: 184

Re: Vanguard Individual 401K Rollovers

I'm just curious if anyone knows if this new document is actually any different from the old document(s). Nobody saved the old document? Do we need a new thread to ask forum members? I guess that depends on how interested you might be in finding out. I'm not interested enough to find it and read it...
by tfb
Sun Nov 16, 2014 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Individual 401K Rollovers
Replies: 31
Views: 2468

Re: Vanguard Individual 401K Rollovers

retiredjg wrote:I'm just curious if anyone knows if this new document is actually any different from the old document(s).

Nobody saved the old document? Do we need a new thread to ask forum members?
by tfb
Sun Nov 16, 2014 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Individual 401K Rollovers
Replies: 31
Views: 2468

Re: Vanguard Individual 401K Rollovers

Tell them to make sure this is their final answer from their compliance department before you send their reply and the plan document and adoption agreement to the IRS and DOL. The IRS contact is in the determination letter included in the new plan document kit. The IRS said this about not operating ...
by tfb
Sun Nov 16, 2014 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Individual 401K Rollovers
Replies: 31
Views: 2468

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

Guess I'm failing to see how removing offerings that have always been in a version and charging the same price enhances the consumer experience. The upgrade path may be prominently displayed, but I'm guessing customer service will be getting plenty of calls from disappointed and angry customers try...
by tfb
Sat Nov 15, 2014 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 87
Views: 9117

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

Seems to me its a lot more trouble ripping out the code. Normally they wouldn't rip out the code. It is probably set up to recognize the license type and activate the relevant sections at installation. The software package itself probably has everything already built in. Agree. It's very easy to do...
by tfb
Sat Nov 15, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 87
Views: 9117

Re: fidelity refusing custodian custodian rollover

One question for anyone: If you leave an employer and then you transfer out of the employer plan Fidelity 401k/403b to a Fidelity IRA, is it (a) a same day transfer and (b) are assets transferred "in kind", at least if they are Fidelity mutual funds, or at least do you get to sell then bu...
by tfb
Sat Nov 15, 2014 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 35
Views: 2807

Re: Vanguard Split Acct - did I cause this?

Funkey wrote:Welcome to Vanguard customer service. May you not pull your hair out trying to get a correct answer.

The rep didn't cause the problem. Its poor IT system did.
by tfb
Sat Nov 15, 2014 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Split Acct - did I cause this? (NOT)
Replies: 23
Views: 1825

Re: fidelity refusing custodian custodian rollover

For obvious reasons, I do not want to do that since I've heard stories where the 30 days pass & one essentially withdrew the retirement money & now owe penalty taxes. The stories you heard, popularized in part by Clark Howard and maybe Suze Orman, are not accurate. As long as the check is m...
by tfb
Sat Nov 15, 2014 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 35
Views: 2807

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

This is better than the confusing message last year (online no, desktop yes). It makes it transparent to the users in terms of price vs features. Users can always choose a different product instead of upgrading. The features are announced up front. Having a particular feature in a particular version...
by tfb
Sat Nov 15, 2014 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 87
Views: 9117

Re: "Finding, and Battling, Hidden Costs of 401(k) Plans"

Keep in mind the 401k cost is only a very small factor in choosing an employer. I'm interviewing for a job next week. The job may not even offer a 401k. If I'm offered the job, I likely will still take it. It's much better to focus on the job and the employer. 401k cost comes in only when everything...
by tfb
Fri Nov 14, 2014 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: "Finding, and Battling, Hidden Costs of 401(k) Plans"
Replies: 5
Views: 655

Re: Isn't everybody here market timing, by definition?

Even if you don't time the market, the market times you. See Bernstein e-book on the big difference in the number of years to achieve the same depending on which year you start investing.
by tfb
Fri Nov 14, 2014 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Isn't everybody here market timing, by definition?
Replies: 32
Views: 1902

Re: Navy Federal GO Prepaid Card: travel abroad

Why not just use the regular debit card?
by tfb
Fri Nov 14, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Navy Federal GO Prepaid Card: travel abroad
Replies: 5
Views: 707

Re: Roth 401(k) vs. 401(k) Spreadsheet Attempt - Critique Pl

Financebuff would do a great favor by adding these when he is making a case for Roth for people who are maximizing the contributions and are on their way to building enough wealth that could last generations. To be clear, I'm not against *having* or *holding* Roth accounts. I'm against *contributin...
by tfb
Wed Nov 12, 2014 6:30 pm
 
Forum: Investing - Theory, News & General
Topic: Roth 401(k) vs. 401(k) Spreadsheet Attempt - Critique Please
Replies: 10
Views: 1318

Re: Experience with Target Redcard?

One concern I have is with data breaches. Who wants to have crooks empty out their bank account. The RedCard debit card proved to be the safest card in the Target breach last year. I didn't change the number, nor the PIN. No unauthorized charges. Not just me, but for all RedCard debit card holders....
by tfb
Wed Nov 12, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Experience with Target Redcard?
Replies: 30
Views: 2728

Re: Self directed 401(k) is only option

Does anyone know or have experience with online brokerages that do offer an option for us? Or Is this truly a situation for a well selected financial advisor? One online group suggested we could use a regular SEP-IRA, another said we should use a Solo401k (we are W2 employee) and both sounded VERY ...
by tfb
Wed Nov 12, 2014 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Self directed 401(k) is only option
Replies: 6
Views: 625

Re: Self directed 401(k) is only option

I believe Vanguard calls these FBO accounts. They stopped accepting them.
by tfb
Tue Nov 11, 2014 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self directed 401(k) is only option
Replies: 6
Views: 625

Re: Rollover current employers 401k plan to personal IRA

If you are under 59 1/2 then by law employee deferrals or Roth contributions can't be rolled over at all but for that age or employer contributions or employee after tax contributions it's up to the plan to allow or not and what restrictions they add (my plan stops matching for six months if you ta...
by tfb
Tue Nov 11, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Rollover current employers 401k plan to personal IRA
Replies: 3
Views: 239

Re: Food Frugality: Where do you draw the line?

Where do you draw the line on spending on food, and your food choices? Do you choose to save money in other places, so you can spend it on "quality" food, supposedly investing in your body? [Mainstream] food is too cheap in this country. After visiting Norway and tasting their quality foo...
by tfb
Tue Nov 11, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 6527

Re: Local bank without any checking account fees?

A few replies missed this requirement:
achen9291 wrote:I just need an account which I can deposit cash without any fees for any amount I have in there, just in case someone were to give me cash and I need to deposit.
by tfb
Mon Nov 10, 2014 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Local bank without any checking account fees?
Replies: 31
Views: 2294

Re: Vanguard Individual 401K Rollovers

That's interesting. But wouldn't the Adoption Agreement be specific to a certain plan? Might the Adoption Agreement for a Solo be different from the Adoption Agreement for a regular 401k? The Adoption Agreement is included in the solo plan document package here: https://personal.vanguard.com/us/Lit...
by tfb
Mon Nov 10, 2014 11:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Individual 401K Rollovers
Replies: 31
Views: 2468

Re: Vanguard Individual 401K Rollovers

Yes, but....that is a basic plan document that could cover a lot of different types of plans. The Adoption Agreement which is specific for solo 401k plans may disallow this for solo 401k plans. I looked at the Adoption Agreement. I don't see anything explicitly excluding rollover contributions. By ...
by tfb
Mon Nov 10, 2014 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Individual 401K Rollovers
Replies: 31
Views: 2468

Re: Vanguard Individual 401K Rollovers

So has anyone successfully done this at Vanguard or is it not allowed even though the actual plan seems to say otherwise (tfb?)? It used to not allow. I don't have the old plan document. Maybe someone has and can compare. The plain reading of the new plan document says it allows. The burden is on t...
by tfb
Sun Nov 09, 2014 5:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Individual 401K Rollovers
Replies: 31
Views: 2468
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