Search found 2650 matches

by JamesSFO
Sat Dec 03, 2016 1:35 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Getting Stingy?
Replies: 59
Views: 6353

Re: Amazon Prime Getting Stingy?

I've found they are often 1 day even on things where I pay for value shipping (SF Bay Area); however, I also have found they are tetchier/stingier if things go wrong. So for example I had something show delivered that didn't show up for another 2 days (thanks postal service for nothing) and Amazon d...
by JamesSFO
Fri Dec 02, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Just got a PENALTY letter from IRS...
Replies: 4
Views: 1128

Re: Just got a PENALTY letter from IRS...

First time abatement of some penalties is available: http://www.journalofaccountancy.com/iss ... 37885.html
by JamesSFO
Wed Nov 30, 2016 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Free tool like Morningstar portfolio x-ray?
Replies: 36
Views: 2785

Re: Free tool like Morningstar portfolio x-ray?

Most of the Xray features of Morningstar are free directly through them if you share your portfolio. That was a tip I got here once, it does require manual input of your holdings but as a buy-and-hold mostly 3-funder it wasn't a big deal to input.
by JamesSFO
Tue Nov 29, 2016 11:27 pm
Forum: Investing - Theory, News & General
Topic: "Radical Fix for 401(k)s"
Replies: 6
Views: 829

Re: "Radical Fix for 401(k)s"

Down with fiduciary duty? PJW FWIW, his actual proposal is somewhat unclear but I think he's proposing that there be a fairly standardized lineup of 401K providers and so the point is less about moving the fiduciary duty and more about switching to a structure where every organization has something...
by JamesSFO
Tue Nov 29, 2016 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Convert investor share to admiral share fund. [Spain]
Replies: 2
Views: 205

Re: Convert investor share to admiral share fund. [Spain]

If you are using an internet broker why not just buy the ETFs to begin with which have the same (lower) expense ratio as the admiral shares... Very few internet brokers will provide access to admiral shares if any...
by JamesSFO
Sun Nov 27, 2016 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: My 403(b) new fee structure ?
Replies: 3
Views: 290

Re: My 403(b) new fee structure ?

I think they are just saying under the old system you would have: Fund 1: Fund ER X, management ER Y, shown ER X+Y new system: Fund 1: Fund ER X Separately: 0.20 403(b) fee The old fees may have been highly varied and/or uneven depending on a variety of factors such as refunds from the fund, etc. So...
by JamesSFO
Sun Nov 27, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges on Chase Sapphire card
Replies: 15
Views: 1590

Re: Fraudulent charges on Chase Sapphire card

It's not clear chip+PIN is better than chip+signature. I know I once read a comparative article on it using Singapore as an example but am not finding that now, I did find this discussion: https://krebsonsecurity.com/2014/10/chi ... signature/
by JamesSFO
Wed Nov 23, 2016 10:35 pm
Forum: Personal Consumer Issues
Topic: Apple Watch 2 Distance from iPhone?
Replies: 11
Views: 964

Re: Apple Watch 2 Distance from iPhone?

If you are on a known to your iPhone WiFi network, then the watch will join that network too... So phone/watch distance can be greater than might be apparent from Bluetooth alone if on a known WiFi network...
by JamesSFO
Mon Nov 21, 2016 9:40 am
Forum: Investing - Theory, News & General
Topic: Will Vanguard give basic advice?
Replies: 6
Views: 690

Re: Will Vanguard give basic advice?

They used to offer this a bit more explicitly for a fix fee (free to Flagship) it was called Ask a CFP or something like that.

I think now it's basically folded into their portfolio advice solutions for ~30 basis points.
by JamesSFO
Mon Nov 21, 2016 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Super Happy - 401k!
Replies: 4
Views: 1109

Re: Super Happy - 401k!

Congrats!
by JamesSFO
Sun Nov 20, 2016 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Wealth advisory services
Replies: 68
Views: 4278

Re: Wealth advisory services

To the extent that BCA is a decent sized company it may pay to name them since others may have more experience. I've seen the stuff that gets pitched by the private banks/wealth management/etc groups to both my parents and my law partner(s) and there's always a lot of shiny marketing materials and t...
by JamesSFO
Sat Nov 19, 2016 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Jack Bogle says Fidelity will be sold in 5 years...
Replies: 25
Views: 4127

Re: Jack Bogle says Fidelity will be sold in 5 years...

Earlier thread discussing the article: viewtopic.php?t=198806

More generally, Jack's a private citizen, he's just speculating. If you are happy with Fidelity now, stay the course. If you aren't, make a move.
by JamesSFO
Sat Nov 12, 2016 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a 401(k) plan
Replies: 21
Views: 1342

Re: Starting a 401(k) plan

I have read conflicting ideas between having LS or Target Retirement funds. With the LS, it is only 4 funds; with the TR, it is 12 funds. I guess in place of 500 + Ext, the plan can offer TSM + SmallCap instead. TR may be 12 funds but basically only 1-2 make any sense to a person, when do you plan ...
by JamesSFO
Sat Nov 12, 2016 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a 401(k) plan
Replies: 21
Views: 1342

Re: Starting a 401(k) plan

What type of company is it? This is for a tech startup in the bay area. The plan will start off with the founding members as participants. The early employees will come in after a year or two. How can you exclude the early employees? For a bay area tech company you will not be competitive if you ha...
by JamesSFO
Sat Nov 12, 2016 1:01 am
Forum: Investing - Theory, News & General
Topic: Cash Dividend Vs Stock Dividend Vs Stock Split
Replies: 153
Views: 6690

Re: Cash Dividend Vs Stock Dividend Vs Stock Split

I understand stock splits I just don't get stock dividends. The company doesn't give you any money. It just moves money from one account to another. Nothing is added or lost. You just get shares just like you would in a stock split and the price of your shares drops. Stock splits are never taxable....
by JamesSFO
Fri Nov 11, 2016 11:56 pm
Forum: Investing - Theory, News & General
Topic: Cash Dividend Vs Stock Dividend Vs Stock Split
Replies: 153
Views: 6690

Re: Cash Dividend Vs Stock Dividend Vs Stock Split

So whats the advantage of a stock dividend vs a stock split? Stock dividends increase the amount of shares and so do stock splits which result in no change in value to you or the company? Stock dividend - company is trying to give you money from earnings Stock split - No change in money, just chang...
by JamesSFO
Fri Nov 11, 2016 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a 401(k) plan
Replies: 21
Views: 1342

Re: Starting a 401(k) plan

After searching and reading from a variety of posts, I am modifying the fund list to the following Group A : One-fund Solutions 1) Vanguard LifeStrategy Income (20/80) 2) Vanguard LifeStrategy Conservative Growth (40/60) 3) Vanguard LifeStrategy Moderate Growth (60/40) 4) Vanguard LifeStrategy Grow...
by JamesSFO
Thu Nov 10, 2016 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a 401(k) plan
Replies: 21
Views: 1342

Re: Starting a 401(k) plan

We use Vanguard/Ascensus. It's slightly more expensive in terms of the fixed costs but no 8 basis point fee on assets. Further, if you use the base level funds (investor share class) instead of admiral share funds, they put the spread towards your fees. For me, as a small business, I have over 50% ...
by JamesSFO
Thu Nov 10, 2016 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a 401(k) plan
Replies: 21
Views: 1342

Re: Starting a 401(k) plan

We use Vanguard/Ascensus. It's slightly more expensive in terms of the fixed costs but no 8 basis point fee on assets. Further, if you use the base level funds (investor share class) instead of admiral share funds, they put the spread towards your fees. For me, as a small business, I have over 50% o...
by JamesSFO
Mon Nov 07, 2016 11:47 pm
Forum: Investing - Theory, News & General
Topic: Cash Dividend Vs Stock Dividend Vs Stock Split
Replies: 153
Views: 6690

Re: Cash Dividend Vs Stock Dividend Vs Stock Split

From what I understand now is that dividends are completely useless. They are just a way to gauge the company's financial condition since if dividend payments are increasing while the company simultaneously increase earnings; its a good sign that the company might continue having a bright future. T...
by JamesSFO
Sun Nov 06, 2016 11:53 pm
Forum: Investing - Theory, News & General
Topic: Cash Dividend Vs Stock Dividend Vs Stock Split
Replies: 153
Views: 6690

Re: Cash Dividend Vs Stock Dividend Vs Stock Split

... All I'm trying to figure out is how cash dividends effect the stock price and if they make your net worth increase. I understand that stock dividends and stock splits do absolutely nothing to net worth either for investor or for the company. I also now understand that cash dividends lower the v...
by JamesSFO
Sun Nov 06, 2016 11:49 pm
Forum: Investing - Theory, News & General
Topic: Cash Dividend Vs Stock Dividend Vs Stock Split
Replies: 153
Views: 6690

Re: Cash Dividend Vs Stock Dividend Vs Stock Split

You see how misunderstood this topic is? Everyone has their own understanding of this. No. It's pretty well understood, you're making this harder than it is. None of the three items (stock split, stock dividend, cash dividend) change your net worth immediately. Nobody here disagrees about that as f...
by JamesSFO
Sat Nov 05, 2016 8:36 am
Forum: Investing - Theory, News & General
Topic: Cash Dividend Vs Stock Dividend Vs Stock Split
Replies: 153
Views: 6690

Re: Cash Dividend Vs Stock Dividend Vs Stock Split

So now that we are through with the cash dividend part, what is the point of Stock Dividends and why what a company chose a stock dividend vs stock split? I know that both stock dividends and stock splits do not change any value to the shareholder however stock dividends move the amount from one ac...
by JamesSFO
Fri Nov 04, 2016 1:15 am
Forum: Investing - Theory, News & General
Topic: Cash Dividend Vs Stock Dividend Vs Stock Split
Replies: 153
Views: 6690

Re: Cash Dividend Vs Stock Dividend Vs Stock Split

All of this is theory...I was trying to see the proof in a chart. Did you look at my chart of the SP500 chart I posted above? Dividend paying stocks can and do underperform as well. I think you are unintentionally sort of looking for free/easy money in dividend stocks to "beat the market"...
by JamesSFO
Tue Nov 01, 2016 3:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard blog gives Bogleheads kudos
Replies: 25
Views: 2570

Re: Vanguard blog gives Bogleheads kudos

I was careful, perhaps not careful enough, not to make a normative statement about the actual question, just whether it had been addressed. You are correct, though, that the minimum has moved downwards. While that helps more investors, it doesn't help some investors as much as it could -- the quest...
by JamesSFO
Mon Oct 31, 2016 10:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard blog gives Bogleheads kudos
Replies: 25
Views: 2570

Re: Vanguard blog gives Bogleheads kudos

It's unfortunate that the substantive point behind question about the number of retail share classes offered (that fund costs as a portion of investments should decrease with increasing assets, but the share class offerings for retail investors are not structured at all similarly) was not addressed...
by JamesSFO
Mon Oct 31, 2016 10:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard blog gives Bogleheads kudos
Replies: 25
Views: 2570

Re: Vanguard blog gives Bogleheads kudos

Yeah that is a big deal for me (they probably lost me over that), and the way I look at it, Vanguard is essentially charging a small management fee to use an all-in-one vs. individual components. I haven't calculated it exactly, but it's about an 8bp composite extra cost vs. all Admirals. It was pr...
by JamesSFO
Sun Oct 30, 2016 9:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard indexes and buffer zones
Replies: 2
Views: 329

Re: Vanguard indexes and buffer zones

CRSP explains packeting in their methodology guide (PDF): http://www.crsp.com/files/Equity-Indexe ... uide_0.pdf
by JamesSFO
Sun Oct 30, 2016 9:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard indexes and buffer zones
Replies: 2
Views: 329

Re: Vanguard indexes and buffer zones

Vanguard US-stock indexes use CRSP indices now (http://www.crsp.com/) which packetize stocks. For non-total market funds, this avoids a lot of front running as stocks move between say small-and-large cap since the fund doesn't need to immediately move in or out. Bond funds: not applicable Internatio...
by JamesSFO
Fri Oct 28, 2016 6:15 am
Forum: Personal Finance (Not Investing)
Topic: PEO for small Biz [Professional Employer Organization]
Replies: 11
Views: 700

Re: PEO for small Biz [Professional Employer Organization]

PEO's like TriNet can be helpful but can also be expensive. Especially with newer offerings like Zenefits/Gusto/etc. you can often get a lot of what the PEO offers more cheaply.
by JamesSFO
Thu Oct 27, 2016 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Need Help - Am really in a vey bad financial situation
Replies: 17
Views: 3610

Re: [Need help - Am in a bad financial situation]

Sorry about your loss. It would be helpful to understand your debts broken down by interest rate, e.g. Card 1 - $10K - 14.99% etc. What funds--if any--do you have other than the life insurance policy to help pay off the debt? Lastly, try not to worry too too much about the FICO score. Getting yours...
by JamesSFO
Wed Oct 26, 2016 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Are you supposed to inform state tax board when moving to another state?
Replies: 6
Views: 1000

Re: Are you supposed to inform state tax board when moving to another state?

California Franchise Tax Board is the California IRS equivalent, the DMV is the DMV. Which is it that assessed the fees? Also it sounds like you failed to pay your car registration when you moved from Oregon to California, so you were free-riding for ~2-3 years. It may be the DMV got a notice from T...
by JamesSFO
Wed Oct 26, 2016 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help - Am really in a vey bad financial situation
Replies: 17
Views: 3610

Re: [Need help - Am in a bad financial situation]

Sorry about your loss. It would be helpful to understand your debts broken down by interest rate, e.g. Card 1 - $10K - 14.99% etc. What funds--if any--do you have other than the life insurance policy to help pay off the debt? Lastly, try not to worry too too much about the FICO score. Getting yourse...
by JamesSFO
Tue Oct 25, 2016 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: P2P Returns
Replies: 4
Views: 283

Re: P2P Returns

The seasoned return cannot be compared with total return. It's comparing the returns of two different parts of the same data set. My guess is you have some disastrous non-seasoned loans.
by JamesSFO
Fri Oct 21, 2016 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Is Federal income tax part of or in addition to 401k RMD?
Replies: 3
Views: 395

Re: Is Federal income tax part of or in addition to 401k RMD?

Your first version is correct, if you have a $100K account and need to take a 3% RMD, you take $3K out and then pay taxes / have withheld from that $3K.
by JamesSFO
Mon Oct 17, 2016 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Rely on dividend?
Replies: 4
Views: 509

Re: Rely on dividend?

I think you are missing a minus sign in there. I also never saw your original thread so don't know what your choices are.

A target date fund vs. a large cap fund are such different beasts I would focus less on the expense ratio here and more on which is right for your investing profile.
by JamesSFO
Thu Oct 13, 2016 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: 401k contributions (not being contributed!)
Replies: 10
Views: 1251

Re: 401k contributions (not being contributed!)

That's very unfortunate, it's also likely something the Department of Labor might be happy to investigate read up on the timing rules carefully because segregating the funds from the company's general account might be enough to pass muster (I doubt it). Also it's pretty unlikely John Hancock can hel...
by JamesSFO
Thu Oct 13, 2016 8:49 pm
Forum: Investing - Theory, News & General
Topic: VG/Ascensus vs Employee Fiduciary
Replies: 2
Views: 225

Re: VG/Ascensus vs Employee Fiduciary

Feel free to privately message me and I can talk about both (left Ubiquity for Vanguard/Ascensus). We are much happier.
by JamesSFO
Mon Oct 10, 2016 4:29 pm
Forum: Investing - Theory, News & General
Topic: [2016 Bogleheads 15 Conference Report]
Replies: 52
Views: 5992

Re: [2016 Bogleheads 15 Conference Report]

Thanks for posting so much of the materials
by JamesSFO
Sat Oct 08, 2016 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA - option closed for me?
Replies: 7
Views: 1065

Re: Backdoor Roth IRA - option closed for me?

I am looking at back door Roth conversion. It looks like that option would not work for me since it contains large amount of 401K rolled over to IRA, but just wanted to make sure I am not missing anything. Traditional IRA account balance is ~$500K (contains previous employer 401K rollover of about ...
by JamesSFO
Thu Oct 06, 2016 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Advice about a trustee-directed 401k
Replies: 5
Views: 388

Re: Advice about a trustee-directed 401k

There are about 15-20 employees, so it may be that no one was particularly interested when it was set up. I am going to get more information about the expense ratios when I can. The amount of slice and dice just seems too much, and two of the funds listed "annual turnover of greater than 100%....
by JamesSFO
Thu Oct 06, 2016 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Advice about a trustee-directed 401k
Replies: 5
Views: 388

Re: Advice about a trustee-directed 401k

No worries, and it may still be the case that your individual/solo 401K is a better choice still but afford some time to learn about the new plan. Also, what is the size of this new company? <100 employees? I ask because it may genuinely be the case that nobody at the company is fully tasked with th...
by JamesSFO
Wed Oct 05, 2016 8:20 pm
Forum: Investing - Theory, News & General
Topic: BlackRock Cuts Prices on ETFs
Replies: 62
Views: 5184

Re: BlackRock Cuts Prices on ETFs

"ETF only" offerings likely can have lower expense ratios because they don't need to directly service customer accounts.
by JamesSFO
Wed Oct 05, 2016 7:17 am
Forum: Investing - Theory, News & General
Topic: Previous solo 401k documents....
Replies: 3
Views: 313

Re: Previous solo 401k documents....

Depends, did you get a new sequence # for your plan? E.g. Plan #1 should have had sequence 001, what is the sequence number of the new plan? Usually they keep the sequence # and restate all of the documents which is what we did when we moved our "real" 401K between providers. But terminati...
by JamesSFO
Wed Oct 05, 2016 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Advice about a trustee-directed 401k
Replies: 5
Views: 388

Re: Advice about a trustee-directed 401k

Here's a white coat investor article on why pooled plans might be used - http://whitecoatinvestor.com/the-best-401k-plan-pooled-or-participant-directed/ In some ways the company is taking on MORE responsibility than general for managing assets as a fiduciary in your best interest. So while it may se...
by JamesSFO
Mon Oct 03, 2016 12:32 am
Forum: Investing - Theory, News & General
Topic: Avoid Ubiquity Savings as 401(k) provider until they fix Mar/Apr 2016 problems
Replies: 51
Views: 7229

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

Anyone have GOOD experiences with Ubiquity? We're a five person firm looking to move away from our local, "main street" 401k administrator. Was planning to with Ubiquity until I saw this thread. I talked to Ubiquity about this thread and they said all the issues were addressed as of Septe...
by JamesSFO
Sat Oct 01, 2016 9:13 pm
Forum: Investing - Theory, News & General
Topic: Avoid Ubiquity Savings as 401(k) provider until they fix Mar/Apr 2016 problems
Replies: 51
Views: 7229

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

Anyone have GOOD experiences with Ubiquity? We're a five person firm looking to move away from our local, "main street" 401k administrator. Was planning to with Ubiquity until I saw this thread. I talked to Ubiquity about this thread and they said all the issues were addressed as of Septe...
by JamesSFO
Wed Sep 28, 2016 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Why Is a Vanguard Internal Transfer Taking Almost Two Months?
Replies: 10
Views: 1511

Re: Why Is a Vanguard Internal Transfer Taking Almost Two Months?

Vanguard isn't known for their excellent customer service. In fact, it's quite the oppsite. I'm happy to use and recommend their ETFs, but if good service is important you should look elsewhere. My grandmother died with pay on death bank and brokerage accounts at Wells Fargo, despite both her and m...
by JamesSFO
Tue Sep 27, 2016 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard Management
Replies: 21
Views: 2237

Re: Help with Vanguard Management

gwrvmd wrote:I think some of you have missed that this is an inherited IRA account.......Gordon


I'm not sure why that matters? My parents have an inherited IRA that was converted to the new format and dividends go into the settlement MMkt fund for RMDs.

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