Search found 2557 matches

by JamesSFO
Tue Feb 02, 2016 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Already filed taxes, didn't include small amount of interest income
Replies: 27
Views: 2628

Re: Already filed taxes, didn't include small amount of interest income

In the past when I had late arriving materials (e.g. K-1 I wasn't expecting) but value was under like $25, my CPA just reported it the following year... Amendment is the fully proper choice, but for such a small amount the time spent amending exceeds the taxes, etc.
by JamesSFO
Sat Jan 30, 2016 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Provider
Replies: 57
Views: 5672

Re: 401K Provider

By the way, we ended up leaving Ubiquity due to their repeated inability to fix simple errors... Who did you change to? How did the conversion go for you? Vanguard/Ascensus. Ascensus was wonderful. Ubiquity had difficulties giving us simple Excel or CSV reports. But Ascensus handled all of the Ubiq...
by JamesSFO
Sat Jan 30, 2016 9:09 am
Forum: Investing - Help with Personal Investments
Topic: 401K Provider
Replies: 57
Views: 5672

Re: 401K Provider

By the way, we ended up leaving Ubiquity due to their repeated inability to fix simple errors...
by JamesSFO
Sun Jan 17, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Does IRS enforce Roth IRA income phaseout?
Replies: 3
Views: 500

Re: Does IRS enforce Roth IRA income phaseout?

Any chance you can roll your IRA into your 401K?
by JamesSFO
Tue Jan 12, 2016 9:09 pm
Forum: Investing - Theory, News & General
Topic: "It's a Perfect Strategy for My Enemies" [Scott Adams on Active Management]
Replies: 73
Views: 7123

Re: "It's a Perfect Strategy for My Enemies" [Scott Adams on Active Management]

Highly recommend Rick Ferri's paper: A Case for Index Fund Portfolios Investors holding only index funds have a better chance for success Richard A. Ferri, CFA Portfolio Solutions®, LLC Alex C. Benke, CFP® Betterment EXECUTIVE SUMMARY The success of index investing in individual asset class categori...
by JamesSFO
Sat Jan 09, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 116
Views: 10529

Re: [Fidelity drops AmEx, Bank of America credit cards]

I have the FIA AMEX and the FIA VISA. I just called them and asked to be converted now to the new 2% VISA. Overall it took about 20 minutes, but I'm told my new card is on its way and that my existing cards will remain valid until I receive the new one. Weird my neighbor called and was told you cou...
by JamesSFO
Sat Jan 09, 2016 1:38 am
Forum: Personal Finance (Not Investing)
Topic: The Index Card (new personal finance book)
Replies: 13
Views: 1452

NYTimes: Index Card Sized Financial Advice

Good Boglehead-consistent advice from 8 personal finance authors on a single index card via the NYTimes: http://www.nytimes.com/2016/01/09/your- ... short.html
by JamesSFO
Tue Jan 05, 2016 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Flagship customer service
Replies: 10
Views: 1310

Re: Flagship customer service

There is a lot of variance among the reps, I've had 3 in the past ~5 years, and the first J- was awesome. She disappeared and I got B-. B- was a disaster. Then B- disappeared and I got D-. D- rocks. Anyhow, just ask to be re-assigned. I will also second using email to contact them and get them tee'e...
by JamesSFO
Mon Jan 04, 2016 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 116
Views: 10529

Fido Amex going away?

Looks like Fidelity is launching a new product with Elan Financial Services, it was a note dated today in my accountL

https://www.fidelity.com/cash-managemen ... ember-faqs

EDIT TO ADD: Unclear what new rewards program will be, cards will ONLY be Visa.
by JamesSFO
Thu Dec 31, 2015 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Best No Annual Fees Rewards/Cash-Back Credit Cards
Replies: 87
Views: 5578

Re: Best No Annual Fees Rewards/Cash-Back Credit Cards

I'm a big fan of this 120+ page FatWallet thread on credit card offers, the first page has a good summary in the second post:

http://www.fatwallet.com/forums/finance/711457/
by JamesSFO
Sat Dec 19, 2015 12:32 am
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 374
Views: 47315

Re: "Vanguard converting mutual fund accounts to brokerage?

I think I consolidated the last of my mutual funds with my other brokerage holdings in the late 80's. That this is STILL an issue at Vanguard and still causing problems, wailing and gnashing of teeth is kind of astounding. This issue mainly and other posts about some other anachronistic practices i...
by JamesSFO
Mon Dec 07, 2015 9:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 776
Views: 107839

Re: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]

Also, as for the government vs private sector comparison, Exxon-Mobil's 401k plan has an ER of around 3.5 bp, not much more than TSP. And this goes in line with the point I made much earlier in the thread--that it's not clear to me that Vanguard couldn't get us all lower expenses by simply contract...
by JamesSFO
Fri Dec 04, 2015 10:39 pm
Forum: Investing - Theory, News & General
Topic: Bond vs Bond Fund (I'm not grasping)
Replies: 21
Views: 1591

Re: Bond vs Bond Fund (I'm not grasping)

Two big ones: most (many?) bond funds don't hold to maturity and mark to market accounting. Lack of holding to maturity means that the bond fund will likely sell most bonds around when they are a year old to match the index and buy new bonds. Mark to market accounting means that the bond fund has to...
by JamesSFO
Tue Dec 01, 2015 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Admiral Conversion = Cost Basis Reset?
Replies: 15
Views: 4342

Re: Admiral Conversion = Cost Basis Reset?

I found this thread today after seeing that Vanguard converted my wife's Admiral shares of the Total International fund to Investor shares. I get all of the ramifications that this is not a taxable event and is more akin to a stock split than a sale and purchase, but I'm stumped trying to figure ou...
by JamesSFO
Sun Nov 08, 2015 9:12 am
Forum: Personal Consumer Issues
Topic: Costco auto buying service is USELESS!
Replies: 27
Views: 6019

Re: Costco auto buying service is USELESS!

Weird in 2012 when I used the Costco service they provided the price right on my mobile phone. Shame they've changed it.
by JamesSFO
Sat Nov 07, 2015 9:21 am
Forum: Investing - Theory, News & General
Topic: I-Bond Reality Check
Replies: 10
Views: 2165

Re: I-Bond Reality Check

Thanks for the responses. James...Can the trust therefore hold $20K per year? Is registration a separate step after purchase,or part of the purchasing template? (1) The trust can buy $10K of I and $10K of E, if you have your personal account still your personal account can buy $10K of I and $10K of...
by JamesSFO
Wed Nov 04, 2015 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: myRA Clarification
Replies: 5
Views: 552

Re: myRA Clarification

(1) myRA should be thought of as a brand name for a particular type of IRA, so if you are ineligible you are ineligible

(2) See (1)

(3) I'm unsure, but I believe the answer is no.
by JamesSFO
Wed Nov 04, 2015 5:25 pm
Forum: Investing - Theory, News & General
Topic: I-Bond Reality Check
Replies: 10
Views: 2165

Re: I-Bond Reality Check

My I-Bonds are registered in the name of my living trust so it is possible to do.
by JamesSFO
Sat Oct 31, 2015 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard alert [Unclaimed property notice]
Replies: 53
Views: 6192

Re: Vanguard alert

I had the following message displayed across the top of my Vanguard online statement this morning... "You are seeing this alert because your account may be turned over to the state as unclaimed property unless you contact us immediately at 1-877-662-7447." While I think it is a mistake, i...
by JamesSFO
Wed Oct 28, 2015 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Employer making me close Vanguard Brokerage
Replies: 24
Views: 2506

Re: Employer making me close Vanguard Brokerage

Fidelity has some decent Spartan index funds as well as free trades of iShares ETFs which can be used to build a 3-4 fund portfolio too.
by JamesSFO
Sun Oct 25, 2015 12:00 pm
Forum: Investing - Theory, News & General
Topic: Richuncles.com [non-traded REIT]?
Replies: 28
Views: 4124

Re: Richuncles.com?

Thanks again all for the thoughts, to be clear I wasn't planning to invest before but I certainly won't now.
by JamesSFO
Sun Oct 18, 2015 10:01 pm
Forum: Investing - Theory, News & General
Topic: Richuncles.com [non-traded REIT]?
Replies: 28
Views: 4124

Re: Richuncles.com?

Thanks LadyGeek!
by JamesSFO
Sun Oct 18, 2015 9:46 pm
Forum: Investing - Theory, News & General
Topic: Richuncles.com [non-traded REIT]?
Replies: 28
Views: 4124

Richuncles.com [non-traded REIT]?

So these guys have been advertising heavily in the SF Bay Area of late https://www.richuncles.com/ . Seems like a privately held individual REIT; but the advertising makes it sounds like it is some sort of Prosper/Lending Tree where you get to co-invest with experts. I suppose both things could be t...
by JamesSFO
Sun Oct 18, 2015 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Maximum limit for Fido Ex-US Index (FSGDX)?
Replies: 26
Views: 1558

Re: Maximum limit for Fido Ex-US Index (FSGDX)?

- FSIVX - The Spartan fund is also international and another option

- I'm highly skeptical about this limit, I suspect if the OP talks to the specialized trading desk they will help you perform the investment/withdrawal.
by JamesSFO
Fri Oct 16, 2015 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage Services delays and inconsistencies
Replies: 4
Views: 591

Re: Vanguard Brokerage Services delays and inconsistencies

FWIW, I've noticed of late with Fidelity that if I log in from about 6-7pm Pacific until the next day, often Fidelity cannot show me ANY cost basis information for either Mutual Funds or ETFs. My point being it's not just a VBS issue. And yes, I've noticed some of this with VBS myself.
by JamesSFO
Thu Sep 24, 2015 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: What is the point of a Flagship Representative?
Replies: 69
Views: 7816

Re: What is the point of a Flagship Representative?

(1) The flagship reps are VERY uneven. Some are tremendously experienced and others are not. (2) If you REALLY need to reach YOUR rep, make an appointment via the website (3) Overall, the perk is you are likely to be sent to a more experienced set of phone representatives who overall are (within pol...
by JamesSFO
Wed Sep 23, 2015 1:18 am
Forum: Investing - Help with Personal Investments
Topic: Top Hat DB Cash Balance Plan on top of 401K?
Replies: 19
Views: 3549

Re: Top Hat DB Cash Balance Plan on top of 401K?

Aside, after a long time we ended up actually implementing this we went with Ascensus. We were already on the Vanguard/Ascensus platform for our 401K and Ascensus offered to do the DB piece on top of the 401K for similar amounts as other plans but letting us leave our 401K with Vanguard Admiral shar...
by JamesSFO
Tue Sep 22, 2015 11:56 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime is $67 for New Members Friday
Replies: 51
Views: 4871

Re: Amazon Prime is $67 for New Members Friday

Anyone know if it is possible to gift yourself an extra year of Prime @ the $67 rate? (e.g. you already have prime but want to keep it an extra year?)
by JamesSFO
Thu Sep 17, 2015 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else get phone calls from Fidelity?
Replies: 38
Views: 2555

Re: Anybody else get phone calls from Fidelity?

I think the "magic" issue is you have an employer retirement account but are no longer with the old employer. Your old employer may be asking Fido to try to get you to roll out or some such, I know we used to use Fido for our 401K and they would help us try to get people who separated out ...
by JamesSFO
Wed Aug 26, 2015 12:00 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks Does it Ever Make Sense?
Replies: 81
Views: 7987

Re: Individual Stocks Does it Ever Make Sense?

I find absolutes like "ever"/"never" usually unhelpful. I think for 99+% of people individual stocks are probably a bad choice. There still however may be reasons to hold some individual stocks: (1) If wealthy enough you can make your own psuedo-index fund, I believe one of Bette...
by JamesSFO
Fri Jul 24, 2015 9:32 am
Forum: Personal Finance (Not Investing)
Topic: How long does a company have to deposit withheld 401k funds?
Replies: 19
Views: 2057

Re: How long does a company have to deposit withheld 401k funds?

You're correct to an extent. The requirement I discussed above is specific to when the funds have to be segregated from the employer's assets and held in trust for the plan. However, it's likely imprudent and a violation of the plan's documents to have the plan's money sitting in cash for any lengt...
by JamesSFO
Thu Jul 23, 2015 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: How long does a company have to deposit withheld 401k funds?
Replies: 19
Views: 2057

Re: How long does a company have to deposit withheld 401k funds?

Nope. That is definitely wrong. The safe harbor is a safe harbor, not a suggestion. The requirement in all situations is that the employees' contributions be remitted as soon as possible. Small employers get a pass on having to pay interest and excise taxes if they remit within 7 business days. Lar...
by JamesSFO
Mon Jul 20, 2015 11:26 pm
Forum: Investing - Theory, News & General
Topic: Pros and cons of adding Roth Option to 401K Plan
Replies: 103
Views: 6587

Re: Pros and cons of adding Roth Option to 401K Plan

I respect livesoft tremendously, and he is one of the people who convinced me personally to switch from Roth --> traditional contributions. That said, I believe plans should have a Roth option. Different workers have different plans and different beliefs about future government policies, tax rates, ...
by JamesSFO
Sun Jul 19, 2015 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback on Scott Burns and AssetBuilder Inc.
Replies: 28
Views: 8693

Re: Feedback on Scott Burns and AssetBuilder Inc.

I keep hearing that an adviser is required to purchase DFA funds. I am able to buy DFA funds in my employers 401(k) held at Schwab. Schwab charges me a one time transaction fee of $15 to purchase any DFA fund, no matter the size of the purchase. I agree that this would be prohibitive if I were putt...
by JamesSFO
Sat Jul 18, 2015 1:56 am
Forum: Investing - Help with Personal Investments
Topic: Help with 401K Selection Please
Replies: 22
Views: 846

Re: Help with 401K Selection Please

You might want to edit your post to include the expense ratios + any fees your 401K provides since those are not standardized even if the mutual fund has a ticker symbol.
by JamesSFO
Sun Jun 21, 2015 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Is Private Banking ever useful for simple Bogleheads
Replies: 35
Views: 4835

Re: Is Private Banking ever useful for simple Bogleheads

I've found it useful from time to time for getting someone more customer-service focused and getting the occasional exception to "rules" which turn out to be "flexible policies".
by JamesSFO
Sun Jun 07, 2015 6:52 am
Forum: Investing - Theory, News & General
Topic: Switching 401k Providers: Vanguard vs. Employee Fiduciary vs. Ubiquity
Replies: 4
Views: 876

Re: Switching 401k Providers: Vanguard vs. Employee Fiduciary vs. Ubiquity

At first they just seemed adequate, but they had basic record keeping breakdowns and we never managed to get anyone to take responsibility. That doesn't sound good—would you be willing to elaborate a bit? I've been hearing a couple of things like this as continue to research them. Private message me.
by JamesSFO
Sat Jun 06, 2015 1:08 am
Forum: Investing - Theory, News & General
Topic: Switching 401k Providers: Vanguard vs. Employee Fiduciary vs. Ubiquity
Replies: 4
Views: 876

Re: Switching 401k Providers: Vanguard vs. Employee Fiduciary vs. Ubiquity

I've had nothing but trouble with Ubiquity (f/k/a The Online 401K). At first they just seemed adequate, but they had basic record keeping breakdowns and we never managed to get anyone to take responsibility. A year ago I would have said they were passable, now I feel like they are a complete disaster.
by JamesSFO
Mon May 18, 2015 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401k but with ineligible employees?
Replies: 22
Views: 1971

Re: Solo 401k but with ineligible employees?

James, why do you think I should get started on regular 401K or SIMPLE IRA. I have until early 2016 to take care of that, right? Assuming you are going to end up with a "real" 401K in 2016 just fix it now. I don't want to claim to understand what happens to your Solo 401K plan if you hire...
by JamesSFO
Sat May 16, 2015 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401k but with ineligible employees?
Replies: 22
Views: 1971

Re: Solo 401k but with ineligible employees?

Are you planning to terminate the plan in 2016? If not, you need to get a "regular" 401K anyhow, so start that process now and the 3 emps will still be ineligible until March 2016 but for 2015 you can contribute for certain...
by JamesSFO
Thu May 14, 2015 8:16 am
Forum: Investing - Help with Personal Investments
Topic: $50 charge to switch IRA from Fidelity to Vanguard
Replies: 14
Views: 1727

Re: $50 charge to switch IRA from Fidelity to Vanguard

Is $50 so much that it is worth going through the hassle of two transfers to avoid? If you don't like Fidelity and want Vanguard just move the money once, pay the fee and move on. (just my humble opinion)
by JamesSFO
Thu May 07, 2015 11:13 pm
Forum: Forum Issues and Administration
Topic: UI issues (especially iPad)? please evaluate alternate styles
Replies: 41
Views: 5707

Re: UI issues (especially iPad)? please evaluate alternate styles

It's a matter of resources. Even though we stick with the "stock" style, each one must be customized to incorporate the custom links, search box, and logo as you see at the top of the forum, for example. This takes time - not to mention that you need to test it on a LOT of resolutions and...
by JamesSFO
Thu May 07, 2015 9:20 pm
Forum: Forum Issues and Administration
Topic: UI issues (especially iPad)? please evaluate alternate styles
Replies: 41
Views: 5707

Re: UI issues (especially iPad)? please evaluate alternate styles

Is there some reason we cannot have user selectable styles from a reasonably small set?

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