Search found 2870 matches

by JamesSFO
Sun Nov 19, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Benefits of Flagship
Replies: 38
Views: 6177

Re: Benefits of Flagship

I have been told that your assigned, Flagship advisor will almost never be immediately available, so plan on leaving a message for a return call. Tim It varies, I just recently lost my long standing flagship rep, but in sequence I'm now on #4 over ~15 years. Anyhow, #2 was never available, #3 almos...
by JamesSFO
Fri Nov 17, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth and $0.01 question
Replies: 6
Views: 649

Re: Backdoor Roth and $0.01 question

The money is never stranded. Whether 1 cent or 2 cents or 7 cents or whatever, it should be converted as soon as you see it. Presently, there is no limit to the amount of money one can convert each year to a Roth IRA. Vanguard should fix its web site so that 100% really means 100%. Agreed re fixing...
by JamesSFO
Thu Nov 16, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth and $0.01 question
Replies: 6
Views: 649

Re: Backdoor Roth and $0.01 question

FWIW, since switching to the brokerage platform I end up with $0.01->$0.07 cents stranded and it takes a call to move it over. And I select 100%.
by JamesSFO
Thu Nov 16, 2017 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Value of 401k Employer Match vs. Salary Equivalent
Replies: 34
Views: 3191

Re: Value of 401k Employer Match vs. Salary Equivalent

I will just add I think treating it more or less like cash equivalent is fine OR you can look at your approximate average tax rate and do a small adjustment.
by JamesSFO
Thu Nov 09, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5318

Re: Eye Doctor $30 to get your Rx? Is this normal?

I will just add that I use my VSP coverage at a small private opthamologist's office, and he does both the refraction and the full eye exam for my $20 VSP co-pay. His prescription pad is a duplicate type and I'm always handed the prescription before being escorted to wait in his very small eyeglass ...
by JamesSFO
Tue Nov 07, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Fair Price for a Kitchen Remodel
Replies: 34
Views: 2934

Re: Fair Price for a Kitchen Remodel

In the SF Bay area I got quotes between $30-100K for a kitchen remodel.
by JamesSFO
Mon Nov 06, 2017 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP+HSA, why mix insurance and investments???
Replies: 21
Views: 1277

Re: HDHP+HSA, why mix insurance and investments???

Given the crazy high percentage of US households that could not afford a $500-1,000 unplanned expense, the whole idea of HDHP's is arguably odd. But so are HSA limits lower than the annual OOP maximums and other restrictions. And yes, if you cannot afford the expense then allowing those people to in...
by JamesSFO
Mon Nov 06, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: HDHP+HSA, why mix insurance and investments???
Replies: 21
Views: 1277

Re: HDHP+HSA, why mix insurance and investments???

The implicit assumption if you are investing your HSA is that overall you can afford to pay for the "gap" from the HDHP out of current income/cash elsewhere. Thus letting the HSA accumulate tax free until age ~60. If you've saved your medical receipts for X years you can reimburse yourself at that t...
by JamesSFO
Sun Nov 05, 2017 9:40 am
Forum: Investing - Theory, News & General
Topic: Who owns Vanguard? Schwab and Fidelity!
Replies: 27
Views: 3541

Re: Who owns Vanguard? Schwab and Fidelity!

This may reflect 401K plans. Example, Fidelity run 401Ks with Vanguard shares. My point being it isn't clear to me that Fidelity and Schwab are the true beneficial owners.
by JamesSFO
Sat Nov 04, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: bidets
Replies: 35
Views: 3137

Re: bidets

Toto with heated water all the way.
by JamesSFO
Fri Nov 03, 2017 10:08 pm
Forum: Investing - Theory, News & General
Topic: Complaint Resolution
Replies: 21
Views: 1286

Re: Complaint Resolution

My point about repetitive requests is that eventually someone will give the correct information as to what happened, and hopefully why it happened. That was my experience but it took some time before one of the reps told me it had to do with my not requesting a transfer to the money market. Sure, b...
by JamesSFO
Fri Nov 03, 2017 9:39 pm
Forum: Investing - Theory, News & General
Topic: Complaint Resolution
Replies: 21
Views: 1286

Re: Complaint Resolution

I had an experience in July with a RMD transfer from an IRA to a taxable fund. The RMD lot was placed in the fund's nonqualified shares section of the cost basis. Eventually I learned that this had to do with not transferring the lot first to the taxable account's money market fund, from which it c...
by JamesSFO
Fri Oct 27, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Limit on carrying physical cash during domestic US flights
Replies: 35
Views: 3330

Re: Limit on carrying physical cash during domestic US flights

I'm not aware of any such rules; however, more generally there are often asset seizures of large sums of cash. My point being I wouldn't risk that since it will get X-rayed and you will get pulled aside and someone may decide to seize the cash... At which point even if you are innocent and the $ are...
by JamesSFO
Sun Oct 22, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 70
Views: 6452

Re: Why do I need bonds? (I'm 30)

I was on the order of 90+% stocks through my 20's/30's, as I moved into late 30's/early 40's, I shifted to 70% stock/30% bonds. Some things that changed my thinking: 1) Efficient frontier curve, how much return for how much risk. Having bonds lets you get good returns without taking as much risk 2) ...
by JamesSFO
Sun Oct 22, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 164
Views: 14932

Re: Does anyone here with net worths north of $1 mil use financial advisors?

Short answer no; however, when Vanguard had the "ask a CFP" offering for Flagship I did use it for 2 years in a row. It helped reaffirm my sense that I was overall on course. 70% stock/30% bond, w/in stock 70% US/30% int'l, basically using 3 fund portfolio with about $10K of play money invested in i...
by JamesSFO
Sat Oct 21, 2017 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of converting all my total us stock market funds to target date funds
Replies: 8
Views: 1343

Re: Thinking of converting all my total us stock market funds to target date funds

While not the _most_ tax efficient for taxable, it's not the end of the world either; if it will make it easier for you to stay on track I would say go for it.
by JamesSFO
Tue Oct 10, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Worth moving existing i401k from Vanguard elsewhere?
Replies: 9
Views: 572

Re: Worth moving existing i401k from Vanguard elsewhere?

I will just add that when we moved from I401K at Vanguard to a "real plan" with a 401K provider, getting the assets successfully out of Vanguard was surprisingly frustrating. Luckily, my Flagship rep was able to help communicate the request since the SmallBiz team kept misunderstanding the requests.
by JamesSFO
Fri Oct 06, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 372
Views: 49629

Re: Retirement Account Stolen by Identity theft

So sad to read about this, hopefully given the $ amounts involved, law enforcement will take strong action to help in recovering the monies. :(
by JamesSFO
Fri Sep 15, 2017 6:51 am
Forum: Investing - Help with Personal Investments
Topic: Wash rule question
Replies: 5
Views: 426

Re: Wash rule question

Wash rule doesn't care about which account/account type money is in, so if transaction would count as a wash doing it in IRA instead of taxable wouldn't matter.
by JamesSFO
Tue Sep 12, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 301
Views: 33214

Re: Vanguard Customer Service

Also USAA will do medallion signature guarantees via mail (or at least used to like 10 years ago when I opened my treasury direct account). I mailed them the form with my signature the applied the MSG and mailed it on to the Treasury.
by JamesSFO
Sun Sep 10, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Instead of a credit freeze, I want to receive a phone call before credit is opened in my name.
Replies: 26
Views: 2809

Re: Instead of a credit freeze, I want to receive a phone call before credit is opened in my name.

I've had my credit reports frozen for several years, and whenever I've thawed them online I've received no phone calls or any other notifications that the thaws were performed or that the freezes went back into effect. Nor was I notified when I opened a new line of credit when the freeze was lifted...
by JamesSFO
Fri Sep 08, 2017 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Instead of a credit freeze, I want to receive a phone call before credit is opened in my name.
Replies: 26
Views: 2809

Re: Instead of a credit freeze, I want to receive a phone call before credit is opened in my name.

FWIW, when you have a credit freeze you will get such calls when you unfreeze since they will call you at the number(s) listed...
by JamesSFO
Sun Aug 27, 2017 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Last Will & Testament web app
Replies: 3
Views: 539

Re: Last Will & Testament web app

Nolo Press has excellent books and online tools.
by JamesSFO
Wed Aug 16, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Progress, thanks, and seeking advice on 2nd careers
Replies: 20
Views: 2655

Re: Progress, thanks, and seeking advice on 2nd careers

What do you enjoy and what are you passionate about? What is important to you and what do you want your legacy to be? How many hours a week are you looking to work? Does it matter how much you make - say if you made $10/hour as a teacher / coach or would you rather make $100+ / hour part-time and v...
by JamesSFO
Mon Aug 14, 2017 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Progress, thanks, and seeking advice on 2nd careers
Replies: 20
Views: 2655

Re: Progress, thanks, and seeking advice on 2nd careers

There's a tool at CareerInfoNet.org where you answer questions to provide a skills assessment. The program then suggests careers. You might use this tool to learn about careers you might not have considered otherwise. Additional free resources - ONetOnline.org MyNextMove.org Good luck! Thanks!
by JamesSFO
Mon Aug 14, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Progress, thanks, and seeking advice on 2nd careers
Replies: 20
Views: 2655

Re: Progress, thanks, and seeking advice on 2nd careers

I hope this isn't a thread-jack, but for people who have made this type of change, did you: a) figure out what you wanted to do as your "second act" before quitting the old job b) Quit the old job and take some time off and figure out where you want to go from here? Do you recommend the course you ...
by JamesSFO
Sun Aug 13, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Progress, thanks, and seeking advice on 2nd careers
Replies: 20
Views: 2655

Re: Progress, thanks, and seeking advice on 2nd careers

Thanks for the additional examples and thoughts, it's very helpful.
by JamesSFO
Sat Aug 12, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Progress, thanks, and seeking advice on 2nd careers
Replies: 20
Views: 2655

Re: Progress, thanks, and seeking advice on 2nd careers

Thanks so much, appreciate some concrete suggestions!!!! :sharebeer
by JamesSFO
Wed Aug 09, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 301
Views: 33214

Re: Vanguard Customer Service

Which website are you referring to (smallbiz.vanguard.com ; my.vanguardplan.com ; investor.vanguard.com ; other )? I'm referring to this site: https://retirementplans.vanguard.com/VGApp/pe/PublicHome#/ Neat, add that one to the list. Maybe that's for larger plans, I'm not personally familiar with t...
by JamesSFO
Fri Aug 04, 2017 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 301
Views: 33214

Re: Vanguard Customer Service

Vanguard's website to register your 401(k) account is especially atrocious. I tried to do this for my dad recently. I finally gave up in disgust. Shame for a company like Vanguard. What you are attributing to Vanguard might not even be their website even if it seems like your plan is a "Vanguard" 4...
by JamesSFO
Fri Aug 04, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Progress, thanks, and seeking advice on 2nd careers
Replies: 20
Views: 2655

Progress, thanks, and seeking advice on 2nd careers

Well indexing and the market have been good for me, started this month with investment accounts only finally in the $2M range. Remain tremendously appreciative of the many posters who are deeply knowledgable and deeply engaged on this site for all of the advice they provide. Onward and upward hopefu...
by JamesSFO
Thu Aug 03, 2017 10:46 pm
Forum: Investing - Theory, News & General
Topic: IRS Disclosure of Brokerage Information
Replies: 6
Views: 670

Re: Brokerage Disclosure of Private Information

I will note one of the authors of the paper works for the IRS and often (I once did a project involving census data in the mid 90's) researchers can (under NDA) get some data that otherwise wouldn't be public.

My point being I don't believe that joe random can look up my (or live soft's) Schedule B
by JamesSFO
Thu Aug 03, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Hospitals are offering their own insurance plans
Replies: 15
Views: 1619

Re: Hospitals are offering their own insurance plans

Sutter Health in California is offering its own HMO/PPO and HDHP plans for the last year or two, we actually went with one for our small business since all of us independently were using Sutter doctors without the insurance push so this just cemented it.
by JamesSFO
Thu Aug 03, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Losing confidence in Ally Bank - what would you do
Replies: 58
Views: 7190

Re: Losing confidence in Ally Bank - what would you do

So totally get being frustrated. The answers you have thus far are pretty unacceptable. BUT, every institution is going to make a mistake at some point or have a computer glitch at some point so if having any snafu is the criteria to "quit the bank" that seems unproductive. Give them 2-3 business da...
by JamesSFO
Tue Aug 01, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA: if known result, why complete?
Replies: 44
Views: 2967

Re: FAFSA: if known result, why complete?

Some private schools provide help above and beyond that... The FAFSA is the starting point for finding out what they might do.
by JamesSFO
Wed Jul 26, 2017 4:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 112
Views: 25839

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration

I was a bit surprised by the initial expense ratios but this is where Vanguard's "at cost" structure cuts against them, it should be a bit more expensive than the base funds but I think it was more like 2x as expensive. Certainly an intriguing proposition for Wellesley/Wellington fund lovers who wan...
by JamesSFO
Mon Jul 17, 2017 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Individual 401k Vanguard
Replies: 11
Views: 794

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: 1000

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: 805

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: 1000

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: 583

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 assets. But wh...
by JamesSFO
Mon Jul 03, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Ultra-Short-Term Bond Fund Admiral
Replies: 22
Views: 3724

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: 5690

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: 61
Views: 11508

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: 66
Views: 6038

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: 66
Views: 6038

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...