Search found 2830 matches

by JamesSFO
Mon Jul 17, 2017 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Individual 401k Vanguard
Replies: 11
Views: 639

Re: Individual 401k Vanguard

Login via - smallbiz.vanguard.com

Different account/login than your regular Vanguard credentials and I do not think they have recurring transactions but I cannot recall and I no longer have the 401K product through that portal to check.
by JamesSFO
Fri Jul 07, 2017 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Practical Question - Roth IRA
Replies: 16
Views: 843

Re: Practical Question - Roth IRA

Each of you needs W2 (or other earned, e.g. non-investment) income independently up to the Roth contribution and the I in IRA means individual so each of you would need separately opened/title accounts with separate up to $5,500 contributions A correction. Your spouse does not need income. Only one...
by JamesSFO
Fri Jul 07, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: What do you use to capture/save web pages for archival purposes?
Replies: 9
Views: 666

Re: What do you use to capture/save web pages for archival purposes?

Personally I use Evernote and their web clipper extension, it works surprisingly well and can often create a "reader" like view for commonly used sites such as NY Times and what not so the annoying headers and ads are omitted if you prefer.
by JamesSFO
Fri Jul 07, 2017 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Practical Question - Roth IRA
Replies: 16
Views: 843

Re: Practical Question - Roth IRA

Each of you needs W2 (or other earned, e.g. non-investment) income independently up to the Roth contribution and the I in IRA means individual so each of you would need separately opened/title accounts with separate up to $5,500 contributions
by JamesSFO
Thu Jul 06, 2017 9:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard Posts on Investment Process
Replies: 2
Views: 530

Vanguard Posts on Investment Process

Two interesting posts by Vanguard today, 1) "Who's watching your money? A look at Vanguard's portfolio review process" https://personal.vanguard.com/us/insights/article/prd-portfolio-072017?SYND=RSS&Channel=AN Investors all over the world entrust Vanguard with more than $4 trillion in ...
by JamesSFO
Mon Jul 03, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Ultra-Short-Term Bond Fund Admiral
Replies: 16
Views: 2175

Re: Vanguard Ultra-Short-Term Bond Fund Admiral

Looking at the distribution history at Vanguard it seems to have somewhat higher variability of distribution amounts while stock price is fairly steady:

Image
by JamesSFO
Mon Jul 03, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Verizon- Why do they treat old customers worse?
Replies: 47
Views: 5037

Re: Verizon- Why do they treat old customers worse?

In my area we have two choices, Verizon and Comcast. While a matter of taste on the TV side, the fios for someone who works from home like me is a no brainer and clearly better. I currently pay about $170/month with no annual commitment. Now I see $79.99 with the same tv package and 10x faster down...
by JamesSFO
Fri Jun 30, 2017 12:05 pm
Forum: Investing - Theory, News & General
Topic: Avoid Ubiquity Savings as 401(k) provider until they fix Mar/Apr 2016 problems
Replies: 59
Views: 10186

Re: Avoid Ubiquity Savings as 401(k) provider until they fix Mar/Apr 2016 problems

IRS form 5500 needs to be filed annually by your company. The form is usually filled out by your 401k provider and myubiquity also makes feeble attempts to get this form filled out and to you in time for you to file it. The problem is that they don't always get the form filled out and to you on tim...
by JamesSFO
Wed Jun 28, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Unable to Escape from Quicken Island ...
Replies: 28
Views: 2254

Re: Unable to Escape from Quicken Island ...

My ~20+ year old Quicken file got corrupted middle of 2016 and despite years of backups nothing I did could seem to bring it back and then I just let go. Almost all of my investments are at Vanguard (rest at Fido) and I just use the VG website for investments and I realized my bank as a Mint-like o...
by JamesSFO
Wed Jun 28, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Unable to Escape from Quicken Island ...
Replies: 28
Views: 2254

Re: Unable to Escape from Quicken Island ...

My ~20+ year old Quicken file got corrupted middle of 2016 and despite years of backups nothing I did could seem to bring it back and then I just let go. Almost all of my investments are at Vanguard (rest at Fido) and I just use the VG website for investments and I realized my bank as a Mint-like of...
by JamesSFO
Fri Jun 23, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Small Business Owner with Simple IRA. Debating Switch to 401k
Replies: 13
Views: 910

Re: Small Business Owner with Simple IRA. Debating Switch to 401k

Thanks for the response. We are looking into company that does this. They charge about $3k first year to set it up, then $2k annually to run the scenarios to help the owners maximize savings/minimize costs. One issue I have with them is that they recommend that we get a financial advisor set up the...
by JamesSFO
Thu Jun 22, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard restricts my account due to mail?
Replies: 41
Views: 3003

Re: Vanguard restricts my account due to mail?

dbr wrote:This is one reason I think people should keep assets at more than one operation.


I agree with this statement, having some custodian/brokerage diversity is helpful, I use VG primarily and Fidelity secondarily.
by JamesSFO
Wed Jun 21, 2017 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Small Business Owner with Simple IRA. Debating Switch to 401k
Replies: 13
Views: 910

Re: Small Business Owner with Simple IRA. Debating Switch to 401k

Me personally I would resent having to pay 0.08% of my investments but that's just me... We have a smaller law practice and do have a 401K + defined benefit plan but we also have absolutely no fees for the employees. We went with Vanguard/Ascensus, it's a bit pricier more like $3K for the 401K but i...
by JamesSFO
Wed Jun 21, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: Aggressive Mortgage Paydown
Replies: 50
Views: 8307

Re: Aggressive Mortgage Paydown

Congrats! It's a very liberating feeling.
by JamesSFO
Wed Jun 21, 2017 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard restricts my account due to mail?
Replies: 41
Views: 3003

Re: Vanguard restricts my account due to mail?

Here's the challenge, just about every firm will have some flavor of this happen if mail is returned undeliverable. It's a combination of states wanting to get their hands on escheated property and financial institutions trying to comply with various rules to know the customer. So switching brokerag...
by JamesSFO
Tue Jun 20, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: WWYD? Cash in Investment to Pay Off Mortgage Question
Replies: 50
Views: 2397

Re: WWYD? Cash in Investment to Pay Off Mortgage Question

I'm a big fan of paying off mortgages early but would not recommend cashing out your investments to do so. Are 401Ks being maxxed out? Roth IRA space? If not, I would put more there first before paying even more on mortgage. Dave Ramsey is great on getting out of debt and getting basics set up, but ...
by JamesSFO
Wed Jun 14, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Have you had this issue with Subaru Forester windshield replacement?
Replies: 25
Views: 2189

Re: Have you had this issue with Subaru Forester windshield replacement?

My 2016 Outback has been a magnet for rocks and has had multiple windshield replacements all OEM glass. I'm lucky a friend is an autoglass guy and basically charges me cost. But it's painful.
by JamesSFO
Tue Jun 13, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Experience with HTTPS Everywhere?
Replies: 10
Views: 919

Re: Experience with HTTPS Everywhere?

HTTPS Everywhere rocks!
by JamesSFO
Thu Jun 01, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Is Flagship membership status worth a $50 [transaction] fee?
Replies: 40
Views: 5329

Re: Is Flagship membership status worth a $50 one time fee?

My current Flagship rep is awesome and I would have spent $50 one time to adjust my holdings to have him help with things. Example, when we moved our Vanguard Solo 401K to a "real" 401K with another provider he really helped with a lot of idiocy from the VG Solo 401K department and they re...
by JamesSFO
Mon May 29, 2017 2:10 am
Forum: Investing - Theory, News & General
Topic: DON'T pay off your mortgage; instead reduce Sequence of Return Risk
Replies: 206
Views: 15997

Re: DON'T pay off your mortgage; instead reduce Sequence of Return Risk

I see at least a few opinions in this thread that are psychological rather than econometric - mostly about the comfort of paying off one's mortgage early. I'd like to pose a middle-of-the-road hypothetical. Let's say I've followed at least some of KlangFool's advice and have purchased a reasonable ...
by JamesSFO
Mon May 29, 2017 1:56 am
Forum: Personal Consumer Issues
Topic: Recommendations for moisturizing lotions that don't feel greasy
Replies: 37
Views: 3008

Re: Recommendations for moisturizing lotions that don't feel greasy

One last round of thank yous, I've ordered the top two recommended products (Aveno, Cerave) from Amazon to try later this week.
by JamesSFO
Sun May 28, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: HondaCare Warranty Transferrable?
Replies: 3
Views: 364

Re: HondaCare Warranty Transferrable?

When I bught my Honda Prelude from a private party, I was able to get the HondaCare warranty transferred into my name. I think it cost $50 or $100; I don't remember. Later, when I sold my Honda Accord to a private party, she was able to get the warranty transferred into her name. Both of these tran...
by JamesSFO
Sun May 28, 2017 12:07 am
Forum: Personal Consumer Issues
Topic: Recommendations for moisturizing lotions that don't feel greasy
Replies: 37
Views: 3008

Re: Recommendations for moisturizing lotions that don't feel greasy

Again thanks so much to all I will pick up a few of the recommended ones over next few days and try out.
by JamesSFO
Sat May 27, 2017 1:58 am
Forum: Personal Finance (Not Investing)
Topic: Third-party travel insurance, anyone?
Replies: 34
Views: 2100

Re: Third-party travel insurance, anyone?

I have, I usually use insurance when I book cruises primarily for medical evac coverage and I've ended up using it to file several claims on the order of $100 for damaged luggage that the airline/cruiseline considered wear and tear. But to my mind the big value is IF I should have a serious medical ...
by JamesSFO
Sat May 27, 2017 1:56 am
Forum: Personal Consumer Issues
Topic: Recommendations for moisturizing lotions that don't feel greasy
Replies: 37
Views: 3008

Recommendations for moisturizing lotions that don't feel greasy

Looking for recommendations of moisturizing lotions that don't feel greasy. Context: have some extremely dry skin, nothing medically wrong, but find myself feeling like every product I've tried on my hands/feet makes me want to wash it off because it has a hideously greasy feel to it. Example, today...
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: 419

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: 419

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: 419

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: 1571

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: 889

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: 1107

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: 1107

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: 3089

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: 3089

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: 3089

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: 3219

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: 1065

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: 3644

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: 3644

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: 3644

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: 3644

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: 3644

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: 2763

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: 1283

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: 108
Views: 11482

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: 3701

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: 382

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: 1606

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: 2839

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.

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