Search found 2804 matches

by JamesSFO
Wed May 24, 2017 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Trading UVXY in a self employed 401k - How to handle K-1
Replies: 7
Views: 317

Re: Trading UVXY in a self employed 401k - How to handle K-1

Here's another site that lays out the 401K UBIT situation more clearly: https://www.mysolo401k.net/unrelated-bu ... cted-401k/

So it seems the answer is "it depends"
by JamesSFO
Wed May 24, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Trading UVXY in a self employed 401k - How to handle K-1
Replies: 7
Views: 317

Re: Trading UVXY in a self employed 401k - How to handle K-1

This post on a third party site on UBTI in 401Ks may be helpful: http://www.irafinancialgroup.com/the-solo-401k-and-the-ubit-rules.php TL;DR - looks like UBTI in 401Ks isn't a problem from my read, but maybe check accuracy and current-ness of information Interesting. I'm surprised no one from benef...
by JamesSFO
Wed May 24, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Trading UVXY in a self employed 401k - How to handle K-1
Replies: 7
Views: 317

Re: Trading UVXY in a self employed 401k - How to handle K-1

This post on a third party site on UBTI in 401Ks may be helpful: http://www.irafinancialgroup.com/the-so ... -rules.php

TL;DR - looks like UBTI in 401Ks isn't a problem from my read, but maybe check accuracy and current-ness of information
by JamesSFO
Tue May 23, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone tried to negotiate tuition discount with a lumpsum cash payment?
Replies: 15
Views: 1424

Re: Has anyone tried to negotiate tuition discount with a lumpsum cash payment?

I recall having an option to prepay 2-4 years at Univ of Pennsylvania ~20+ years ago and basically lock in that year's rate for the subsequent years.
by JamesSFO
Tue May 23, 2017 1:41 am
Forum: Personal Finance (Not Investing)
Topic: Excessive hold time for ACH for new bank accounts ?
Replies: 7
Views: 736

Re: Excessive hold time for ACH for new bank accounts ?

Seems like an anti fraud provision since ACH transactions can be reversed. Just give them a check to start.
by JamesSFO
Fri May 12, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Bond Ladder using Goggenheim Bullet Shares
Replies: 13
Views: 916

Re: Bond Ladder using Goggenheim Bullet Shares

Vanguard has a nice ~2013 research paper on defined-maturity bond funds: https://personal.vanguard.com/pdf/ICRDMB.pdf
by JamesSFO
Fri May 12, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Bond Ladder using Goggenheim Bullet Shares
Replies: 13
Views: 916

Re: Bond Ladder using Goggenheim Bullet Shares

I think iShares or another provider has some similar bond ETFs that are year-specific. When I last looked the spreads were pretty bad.

I've gone with a mix of short-term bond + an intermediate bond fund w/ ~5 duration to balance things out.
by JamesSFO
Sun May 07, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 HSA Contribution Limit Announced
Replies: 13
Views: 2872

Re: 2018 HSA Contribution Limit Announced

jhfenton wrote:
TX_Man wrote:I hope the IRA limit gets raised.

I know. $6,000 would at least make monthly contributions come out even! :beer


Since it is $500 increments and a lower base than the $18K 401K it will move a bit slower.
by JamesSFO
Sun May 07, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: 2018 HSA Contribution Limit Announced
Replies: 13
Views: 2872

Re: 2018 HSA Contribution Limit Announced

Per CNN Money looks like 2018 it is high likely to be $18.5K. http://money.cnn.com/2017/01/16/retirement/401k-changes/
by JamesSFO
Sun May 07, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: 2018 HSA Contribution Limit Announced
Replies: 13
Views: 2872

Re: 2018 HSA Contribution Limit Announced

sunny_socal wrote:Good

I wonder if 401k limits will be raised at some point


It's an inflation + rounding thing. 401K limits move in $500 chunks and with low inflation we haven't hit the next $500 recently.
by JamesSFO
Thu May 04, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 41
Views: 2837

Re: Consumer Reports

I continue to find it useful for getting a sense of the range of options in the market and key things to look for. The age old problem of difficulty finding an exact model at two different stores continues (e.g. Samsung's 50" LED TV might have two different model numbers depending on the store)...
by JamesSFO
Tue May 02, 2017 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move Solo-401k to Rollover IRA?
Replies: 28
Views: 902

Re: Should I move Solo-401k to Rollover IRA?

One potential option, rollover the money to your new employer's 401K if they will accept incoming rollovers...
by JamesSFO
Sun Apr 30, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Deceptive Billing by Dermatologist?
Replies: 33
Views: 3386

Re: Deceptive Billing by Dermatologist?

Agree that discussion of costs is warranted for many routine issues. With procedures, medicines, etc. However, there is dual edge in this matter, as costs may dissuade people from choosing best courses of action. This gets into the issue of what I call truly informed consent. Can a patient really u...
by JamesSFO
Sun Apr 30, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Deceptive Billing by Dermatologist?
Replies: 33
Views: 3386

Re: Deceptive Billing by Dermatologist?

How about this: "These two small ones on your forehead could be precancerous, although we'll treat them the same as the others by freezing. Let's keep a watch on them. If they return or change appearance, make another appointment for a closer examination of them." Wouldn't that be adequat...
by JamesSFO
Sun Apr 30, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Deceptive Billing by Dermatologist?
Replies: 33
Views: 3386

Re: Deceptive Billing by Dermatologist?

Informed consent doesn't really cover financial issues. It covers what the medical issues are, what medical procedures are used to treat it, benefits, risks, and complications. What the what???? Sorry but no, there's no mutuality to contract without clear consent. I didn't come in and offer to writ...
by JamesSFO
Sun Apr 30, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Deceptive Billing by Dermatologist?
Replies: 33
Views: 3386

Re: Deceptive Billing by Dermatologist?

Let go of your "this is a way a customer should be treated" mindset and perhaps see that the derm does not view your wife as a customer, but as a patient. Recognize that if your wife had skin cancer, you might not see yourself as customers and thus squabble about bills and what should be ...
by JamesSFO
Sun Apr 30, 2017 12:37 am
Forum: Personal Consumer Issues
Topic: Deceptive Billing by Dermatologist?
Replies: 33
Views: 3386

Re: Deceptive Billing by Dermatologist?

As noted, there may be aspects of this that were "no win" on both sides. However, it's clearly got the potential to be very confusing to the consumer/patient who was trying to understand what costs she would bear. At a minimum, even if legal, the dermatologist didn't do a good job helping ...
by JamesSFO
Sun Apr 30, 2017 12:30 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Buy in Shares instead of Buy in Dollars?
Replies: 22
Views: 2586

Re: Vanguard: Buy in Shares instead of Buy in Dollars?

Potential ideas: 1) Try calling Vanguard customer service and asking if you can buy a specific number of shares 2) Perhaps use the ETF share classes, easy to get a specific number of shares (harder to know price) 3) Buy up towards it e.g. get 90% of the way there, then 95, then 98, etc. It may take ...
by JamesSFO
Thu Apr 27, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?
Replies: 24
Views: 1083

Re: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?

I once had a sequence of 6 doctor visits weekly that to me were subjectively/objectively identical, each apparently got coded slightly differently, and as a result were reimbursed differently, etc.

It's highly frustrating.

So much sympathy to you.
by JamesSFO
Tue Apr 25, 2017 5:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 9631

Re: Vanguard has switched to brokerage only accounts

I switched mine over ~2 years ago as did my parents. Except for stray pennies in the settlement funds at times things have been much easier for us (my parents went from ~12 vanguard accounts to more like 4, etc.)
by JamesSFO
Sun Apr 23, 2017 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home in the Bay Area
Replies: 28
Views: 3357

Re: Buying a home in the Bay Area

I live in San Mateo County and work in Santa Clara County, commutes are only getting worse. My 15 mile commute used to be 30 mins am and 45 min pm and is now more like 45 and 60 mins respectively. For me, the commute would be a deal breaker on buying over in Alameda County/San Leandro and face havin...
by JamesSFO
Sat Apr 22, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard individual Roth 401k employee only?
Replies: 5
Views: 283

Re: Vanguard individual Roth 401k employee only?

Focusing on your 1099 income say it was $10K. Let's assume your W2 income was $10K as well. You get one $18K employee contribution that can be either roth or traditional at either your I401K or Work401K. Say you put in 10K of W2 income at work to Work401K. You could put $8K of the $10K of 1099 incom...
by JamesSFO
Tue Apr 18, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Cabo San Lucas ?
Replies: 13
Views: 1499

Re: Cabo San Lucas ?

We stayed nearer to downtown and just took a taxi once or twice last time we stayed, much easier. For fishing charters, highly recommend Pisces ( http://www.piscessportfishing.com/ ) For food, we mostly ate at our resort; however, all of the spots we tried along the marina were good and some were ev...
by JamesSFO
Mon Apr 17, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: How to be a good parent to an introverted kid
Replies: 29
Views: 2603

Re: How to be a good parent to an introverted kid

As a current introvert and one as a kid, my $0.02 is recognize that part of this is how he gets his energy back and so it's not something "fixable". So focus on helping him be comfortable with who he is.
by JamesSFO
Sat Apr 15, 2017 2:08 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 233
Views: 23414

Re: Vanguard Customer Service

May I ask a silly question? So I kind of want to switch to Vanguard but the customer service horror stories are pulling me back and also the fact that you need to wait 2 weeks to talk to an adviser-that just doesn't sound right. The primary reason I thought I need to be with Vanguard is the lower c...
by JamesSFO
Sat Apr 15, 2017 2:05 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 233
Views: 23414

Re: Vanguard Customer Service

The question is the sample. Was there any effort to solicit responses from brokerage customers or just CR readers that invest @ Vg. Since Vg has only been in the brokerage business for a handful of years since they "fired" Pershing most of the Vg respondents were likely fund only or fund ...
by JamesSFO
Fri Apr 14, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 233
Views: 23414

Re: Vanguard Customer Service

I suggest the CR survey is not a representative sample of retail investors. Nor are Bogleheads for that matter. The fact that Bogleheads are sometimes critical of Vg lends credence to that criticism. The fact that Vanguard mutual fund investors don't have a critique of Vanguard Brokerage tells me n...
by JamesSFO
Fri Apr 14, 2017 7:26 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 233
Views: 23414

Re: Vanguard Customer Service

I would not make major financial decisions based on a Consumer Reports reader survey. :confused The point isn't to make investment decisions, the point was that this board doesn't provide anything close to a representative sample of customer service experiences. A survey of consumer reports subscri...
by JamesSFO
Thu Apr 13, 2017 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 233
Views: 23414

Re: Vanguard Customer Service

@JamesSFO Investment Company Buying Guide In September 2016, Consumer Reports Magazine published its Ratings of Investment Companies about what they really provide to their customers—and how customers value those services. Our findings were based on a survey about their experiences investors had wi...
by JamesSFO
Thu Apr 13, 2017 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 233
Views: 23414

Re: Vanguard Customer Service

I can't recall any references to Consumer Reports studies. :?: Link (subscription required): http://www.consumerreports.org/cro/investment-companies.htm Vanguard ranked #1, categories included (left to right): investment returns, met goals, customer service , advice, online reports. Vanguard got th...
by JamesSFO
Thu Apr 13, 2017 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 233
Views: 23414

Re: Vanguard Customer Service Who's in charge?

I have made many calls. Each time the Representative I talk to has almost no knowledge of previous calls, etc. The last time I spoke to someone they promised they would sort this out with a Supervisor and I would be called back and things would be made right. That never happened. I would much rathe...
by JamesSFO
Thu Apr 13, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 233
Views: 23414

Re: Vanguard Customer Service

This is disappointing. I was considering Vanguard v. Fidelity for a Roth IRA this year and this thread (along with others in a similar vein) are tilting the scales in favor of Fidelity. Take the posts here in context, this is a VG-focused forum that will draw out a disproportionate amount of VG com...
by JamesSFO
Thu Apr 13, 2017 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 233
Views: 23414

Re: Vanguard Customer Service Who's in charge?

jamesrs wrote:I have a transaction that went bad recently. Just a simple contribution. It mysteriously worked out. In the end I am out $70. But, it was a mess.

I want to write to someone. Who is the head of customer services?


Have you tried just calling first to see if the issue can be addressed quickly?
by JamesSFO
Wed Apr 12, 2017 6:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard Forms Nightmare
Replies: 7
Views: 1678

Re: Vanguard Forms Nightmare

We had challenges moving our i401k from vanguard to a full service provider. I don't think there is a form. I got lucky my flagship rep intervened. I think in the end it just took a letter.
by JamesSFO
Sun Apr 09, 2017 10:22 pm
Forum: Personal Consumer Issues
Topic: home exchange experiences
Replies: 9
Views: 1069

Re: home exchange experiences

letsgobobby wrote:Very affordable way to travel and become a true traveler rather than tourist. Obviously some pitfalls to watch for.


Sounds intriguing, hoping you get other responses here.
by JamesSFO
Sun Apr 09, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Detailed question on Back Door Roth
Replies: 6
Views: 301

Re: Detailed question on Back Door Roth

The inherited IRA will count too for pro-rating AFAIK. Inherited IRAs (IRAs held as the beneficiary of a decedent) will not count for pro-rata purposes in a conversion. (An inherited IRA will have its own non-aggregable RMDs.) Good to know, and the further clarification that some inherited IRA's if...
by JamesSFO
Sun Apr 09, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Detailed question on Back Door Roth
Replies: 6
Views: 301

Re: Detailed question on Back Door Roth

The inherited IRA will count too for pro-rating AFAIK.

And conversions are based on calendar year of conversion and year end IRA balance on 12/31 of that year so any Roth conversion in 2017 will care about IRA balances on 12/31/2017. Try practice filling out form 8606.
by JamesSFO
Sun Apr 09, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: home exchange experiences
Replies: 9
Views: 1069

Re: home exchange experiences

Idiotic question: What is this concept? Do you swap homes for a week or something?
by JamesSFO
Thu Apr 06, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP's - Does your employer offer them?
Replies: 47
Views: 1753

Re: HDHP's - Does your employer offer them?

HDHP's like HMO's started off great in terms of reducing spend/costs, but ultimately haven't succeeded in cutting costs as much as hoped.
by JamesSFO
Tue Apr 04, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 3
Views: 267

Re: HSA question

Yes, he just needs to keep good receipts/records
by JamesSFO
Tue Apr 04, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Roll Over 401k to Vanguard for access to closed funds
Replies: 9
Views: 478

Re: Roll Over 401k to Vanguard for access to closed funds

Rolling over might close access to a backdoor Roth... Not sure if that's relevant for you but worth mentioning
by JamesSFO
Sun Apr 02, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Excel (Office 2007) Question
Replies: 9
Views: 1033

Re: Excel (Office 2007) Question

You might get more help from the Microsoft communities where MVPs and similar post.

Is this Office on a PC or Mac? On the PC I know there is a dialog box where you can see all of the linkages which might explain what is going on and you can then determine which notebook has a stray cross-reference.
by JamesSFO
Sat Mar 25, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: ACH deposits on weekends?
Replies: 10
Views: 961

Re: ACH deposits on weekends?

They have been working on speeding up ACH in this past year so I believe there are now multiple settlement times and 1 day turnarounds. So you may be getting some of the benefit of those changes.
by JamesSFO
Sat Mar 25, 2017 12:51 am
Forum: Personal Consumer Issues
Topic: planning to visit San Francisco for a short break
Replies: 23
Views: 1661

Re: planning to visit San Francisco for a short break

Alcatraz is worth the trip IMHO, you probably need to reserve in advance Walking through the Ferry Building is fun Depending on interests lots of great museums (Cal Academy of Science, various art museums, Exploratorium [more hands on science]), zoo, etc. As for parking/locations, if you stayed near...
by JamesSFO
Thu Mar 23, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage APR 4.96% - too high?
Replies: 58
Views: 3328

Re: Mortgage APR 4.96% - too high?

Just to emphasize, the FOMO (fear of missing out; e.g. on rates/appreciating homes) is causing you to rush into the purchase when the right answer is likely to rent a bit more. After taxes you should be taking home on the order of $8-10K/month you need about $20-30K extra saved up this should be a m...
by JamesSFO
Wed Mar 22, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: What criteria warrants a need for Living Revocable Trust?
Replies: 20
Views: 1308

Re: What criteria warrants a need for Living Revocable Trust?

What state do you live in?

For example, in California, probate fees can be quite high and the RLT avoids nearly entirely and/or entirely and is a big win potentially. In other states less so.
by JamesSFO
Tue Mar 21, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Recording documents in California...Will, Living Will, Power of Attorney
Replies: 4
Views: 362

Re: Recording documents in California...Will, Living Will, Power of Attorney

California resident and attorney (not your attorney, not legal advice, etc). Short answer no. Never done it and never been advised to do so by the estate and trust attorneys I used for my own documents.
by JamesSFO
Sun Mar 19, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 169
Views: 15515

Re: "Millionaire Next Door" Net Worth Formula

I would say home equity is very much a part of net worth.My home is paid off and worth about 750K.I believe that could be quite useful down the road if I wanted to sell it and rent or move to a low cost area. I've debated this internally, the book "Your Money Ratios" has a good discussion...
by JamesSFO
Sun Mar 19, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 169
Views: 15515

Re: "Millionaire Next Door" Net Worth Formula

Again, it's a bit like BMI (body mass index), which is horrible... But also one of the easiest quick tools for assessing obesity and related health risks which is why it stays around. If folks don't want to try and use Firecalc (awesome but a bit unintuitive, http://firecalc.com/ ) or a similar mont...

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