Search found 2848 matches

by JamesSFO
Fri Sep 15, 2017 6:51 am
Forum: Investing - Help with Personal Investments
Topic: Wash rule question
Replies: 5
Views: 390

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: 295
Views: 30927

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: 2636

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: 2636

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: 500

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: 2487

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: 2487

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: 2487

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: 2487

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: 2487

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: 295
Views: 30927

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: 295
Views: 30927

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: 2487

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: 613

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: 1519

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: 6793

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: 2756

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
Replies: 29
Views: 5465

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: 718

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: 929

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: 732

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: 929

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: 557

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: 3502

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: 5429

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: 10987

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: 2480

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: 2480

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: 1040

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: 3264

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: 1040

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: 8441

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: 3264

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: 2678

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: 2538

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: 1036

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: 5684

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: 17232

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: 3249

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: 431

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: 3249

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: 2323

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: 3249

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: 489

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: 489

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: m 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 benefitslink would know this. Here's a thread about it. Your article ment...
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: 489

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: 1675

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: 970

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: 1227

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