Bogleheads.org

Nthomas

IMO Schwab bank and solo/individual 401k are both excellent.

Nthomas

I get the Personal Capital daily update email which shows me the latest transactions (bank and brokerage). I identified fraud once based on this and was able to prevent further fraudulent transactions that would have likely occurred before end of month when I paid the CC bill. I find it keeps me fro...

Nthomas

Will vanguard personal advisor services perform a backdoor Roth IRA transaction for you or do you need to do this manually?

Nthomas

[Posts removed for privacy concerns, see below. --admin LadyGeek]

Agree that is a big oversight. FWIW, I have the voice ID set up but I also have a phone password set up with Schwab. So even when I pass the voice verification, they still ask for my verbal password. One more layer of security.

Nthomas

I don't see how that is pertinent and am not sure of your point. Until you have two similar offers, you can't say it's easy to choose because you would be happy with half of the lower salary or it's < 1/4 of the median household salary. Im saying that in the grand scheme of life you cant loose with...

Nthomas

As a VA physician who has turned down other higher paying offers in the past, I think getting a better idea of non-salary factors with each job would help: How is your service chief (your boss)? Do you respect this person and do you believe they have your back? Are they in the trenches with you in ...

Nthomas

I've made the opposite choice, but only after reaching financial independence. I'm now working 40% less for 40% lower pay than I did as a full-timer. No regrets. :beer -PoF PoF (and anyone else with an opinion) - if you were starting over would you do it the same way with working hard until FI and ...

Nthomas

I've made the opposite choice, but only after reaching financial independence. I'm now working 40% less for 40% lower pay than I did as a full-timer. No regrets. :beer -PoF PoF (and anyone else with an opinion) - if you were starting over would you do it the same way with working hard until FI and ...

Nthomas

1) I don't use tilts or factors personally. 2) The the Bogleheads investment philosophy isn't sacred, but it's pretty good. So, let's look at the ten points with regard to a small-cap value tilt. 1 Develop a workable plan 2 Invest early and often 3 Never bear too much or too little risk 4 Diversify...

Nthomas

Customer service: I think Schwab has the edge but fidelity isn't far off. Schwab has some nice things like 24/7 chat but fidelity closes its chat each night. Mutual funds: Fidelity ETFs: Either Bonds: Fidelity Solo 401k: Fidelity Checking account: Both are good Credit card: Fidelity retirement/educ...

Nthomas

Customer service: I think Schwab has the edge but fidelity isn't far off. Schwab has some nice things like 24/7 chat but fidelity closes its chat each night. Mutual funds: Fidelity ETFs: Either Bonds: Fidelity Solo 401k: Fidelity Checking account: Both are good Credit card: Fidelity retirement/educ...

Nthomas

Hi folks, I've been silent for a while, but reading! Moving forward with setting up investing accounts, and am wondering if there is a way to view my Vanguard account within Schwab - the connected accounts section. It seems that I can connect my other bank accounts within Schwab to view my overall ...

Nthomas

What one needs is quality family time not quantity. Parent permanently sitting at home when both he and child is young Not picking on you specifically, but would be the responses be similar if the parent were a "she" instead of a "he"? :wink: My wife let her CPA license lapse to stay at home with t...

Nthomas

With US markets at near all time highs valuation wise, I do not think this is wise. According to most models I have seen expected real returns for US stock market is between 0-2% per annum whereas EM returns are expected to be in the 5-6% range. Why not equal weight across US, International Develop...

Nthomas

Here's Vanguard's policy statement. https://personal.vanguard.com/us/help/SecurityOnlineFraudPledgeContent.jsp I'd note that among many other items it requires "Never store your user name, password, or answers to security questions in your browser." This wording makes me very nervous. I know it's e...

Nthomas

Hmm... I wonder if the list of non-Vanguard ETFs will include the popular iShares ETFs that people now buy through Fidelity. If so, I can see Fidelity losing a lot more business to Vanguard. Unless Fidelity will allow Vanguard ETFs to be traded free or charge . . . That would be interesting! Althou...

Nthomas

Here's Vanguard's policy statement. https://personal.vanguard.com/us/help/SecurityOnlineFraudPledgeContent.jsp I'd note that among many other items it requires "Never store your user name, password, or answers to security questions in your browser." This wording makes me very nervous. I know it's e...

Nthomas

My n = 1... We found a great condo in Destin, FL on Airbnb. A condo in the same tower with the same features (sq ft, bedrooms, bathrooms, balcony with view) was found on the property website for 30% less. The only way you'll rent out your condo in this case is if someone is too lazy to do a little r...

Nthomas

https://investor.vanguard.com/etf/profile/VIOV

Does anyone get nervous that on Vanguard's own page for VIOV, it recommends you "consider" VBR instead? Do you think there is a chance they will shut down the fund? It' s like they are encouraging you not to invest in VIOV. I just found that strange.

Nthomas

depending on if and when I get promoted to O-6. O-6 is insanely hard to achieve in certain branches/areas/career fields. If you make that in 20 years, that will be fairly impressive. I believe doctors start at O3 or O4 so it's not as difficult. Physicians have a 100% promotion rate at 12 years to O...

Nthomas

I’ve been told some young people are dying their hair grey. So I guess our time has come. I’ve been asked by barbers if I dye it this color...I was very confused until I found out it’s a trend now.

Nthomas

FWIW...I just transferred/rolled over my Schwab traditional IRA into my Schwab i401k last week to allow for backdoor Roth IRA contributions. There was a tiny dividend remaining in the tIRA after the transfer and I just called tonight to inquire. I found out it would have automatically transferred at...

Nthomas

In 2015, when I was mostly Admiral class MFs, the difference for all of our Admiral class holdings amounted to $2k-2.5k/yr. While this difference was not overwhelming, I consider this a bit more than "a joke". Since then we've converted almost all of my MFs to ETFs. I think your calculations are su...

Nthomas

I think Schwab has the most flexible i401k, followed closely by Fidelity, with Vanguard a distant third. Does schwab allow e-transfers into your i401K? If so, I'm switching tomorrow. You can electronically transfer the money into your Schwab taxable brokerage account and then call Schwab small busi...

Nthomas

Agree that SLYV is much less tax efficient than IJS. I use SLYV in my IRA at Schwab (commission free and taxes are moot) and IJS and VBR in taxable. Note, VBR has more mid caps where as the other two follow the S&P 600 and considered more "pure" SCV.

Nthomas

duplicate disregard

Nthomas

SCHB is the ETF-form of SWSTX and SCHF the same for SWISX. So, the only rationale for trading in ETF vs. mutual funds is if you want intra-day pricing ability vs. end of day. You will generally have the same cap gains/dividends. Being passive they are more tax efficient than actively managed. Remem...

Nthomas

Thanks Chris.

Nthomas

I will be in a similar situation in a few years after my obligation to Uncle Sam. My only input is at least you are < 40. I will be in my mid 40’s and so the potential of a failed partnership track and having to start over is daunting. Moving stinks but at least you wouldn’t be too old to start over...

Nthomas

If monthly automatic investments are set up for investor class shares, once the amount is > 10k and the exchange to admiral class shares happens, does the auto investment automatically update to admiral? I would ask Vanguard but they are closed for the weekend and I'd like to get this set up today. ...

Nthomas

1) First get the investments transferred to Schwab, complain to the appropriate authorities later. Escaping Edward Jones is the top priority in my opinion. 2) Contact Schwab and let them do most of the work in accomplishing the transfer. 3) Since the new accounts will be at Schwab use Schwab index ...

Nthomas

We had a monthly meeting in fellowship where we presented interesting cases with other fellows in the area that was sponsored by big pharma who provided food and we were told to sign in even if we did not partake in the food. I now see that those meals resulted in me being listed. Not a huge deal as...

Nthomas

$385 is the actual salary. Not an estimate of benefits.

Nthomas

That’s exactly why I was asking. No one there in an official capacity I’ve spoken with yet seems to know the answer. They do break down the salary though I know that for sure at least with this offer.

Nthomas

An advertised VA/Fed Govt salary consists of a base physician salary and the physician comparability allowance/special pays. The base pay is around 160 and the total pay is considerably more at 385k. Is the FERS pension high three and TSP match based on the TOTAL salary w/comparability allowance/spe...

Nthomas

I have been with Vanguard for the last 1.5 years and also have Schwab. So far I have been impressed with Vanguard and counted myself lucky that I have not had issues like others. However, I noticed today that although I did not receive a notice of insufficient funds, likely due to not placing any tr...

Nthomas

I do like the one-step investing with VG i401K. Not sure about Fido or TDA but with Schwab, for instance, I have to transfer to my brokerage account (~1 day), wait for the holding period (3 days), call in to transfer to the i401K, and then log on to finally invest. You can't transfer directly into t...

Nthomas

Agree with the idea of taking dividends as cash. Also, doesn't VG provide trust service that doesn't require VPAS? Perhaps that's an option ("trust for surviving spouse") Trust service would cost more than VPAS. I didn't realize the trust required advisor services as well. https://personal.vanguard...

Nthomas

dbr wrote: ↑
Sat Jan 13, 2018 10:31 am

Nthomas wrote: ↑
Sat Jan 13, 2018 10:28 am
Agree with the idea of taking dividends as cash. Also, doesn't VG provide trust service that doesn't require VPAS? Perhaps that's an option ("trust for surviving spouse")
Trust service would cost more than VPAS.

Good to know, thanks.

Nthomas

Agree with the idea of taking dividends as cash. Also, doesn't VG provide trust service that doesn't require VPAS? Perhaps that's an option ("trust for surviving spouse")

Nthomas

I would go with a Schwab mutual fund (e.g. SWTSX, SWPPX). No minimum and you don't have to worry about buying whole shares like an ETF. No $ left uninvested.

Nthomas

I'm really shocked about them only using average cost... unless it's for VG funds that are so old that that is all they have available. They were both covered and non-covered shares. By using average cost they don't have to worry about the nitty gritty detail about which shares to sell in a taxable...

Nthomas

You don't have the luxury of worrying about paying account fees. Get #2 open ASAP and then close one later once you get the fees figured out. Yeah you are right. Is it wise opening 2+ Solo 401k accounts (or other retirement accounts) anyways and fund multiple to directly compare? My understanding i...

Nthomas

It makes one wonder what is the point then of using them. Clearly, you found there was no point. According to their marketing it seems the benefits are: 1. low cost funds (most of us already use low cost VG funds or equivalent) 2. tax efficient asset placement (not rocket science) 3. tax efficient ...

Nthomas

Both my wife and I have separate schwab accounts. I would like to see both of those accounts aggregated in the personal view (the view after you log in). You are given an option to add an external account (such as a vanguard account) but I can't figure out how to add another schwab account to the v...

Nthomas

At the bottom of that link it says $1 million in eligible Fido accounts. I have between $250k and $1 million at Fido and have not been offered private client (also have not asked for it), $250k seems like a pretty low threshold. I guess then I don't understand the "250k" with fido. does that mean 2...

Nthomas

OP, I opened a DAF with Fidelity last year. On my one year anniversary, Fidelity sent me a message informing me that as a private client (I manage my own investments so they are not making money off me as a PAS client or anything like that), they were going to waive the DAF annual fee. A pleasant s...

Nthomas

I am just now submitting an application at Etrade for Solo 401k but they require you to fax/mail in the application and they said they are not sure if they would be able to open an account for me by Dec 31st due to the high volume of applications. Should I submit applications to other brokerages ju...

Nthomas

Mr. Coffee Automatic Dual Shot Espresso/Cappuccino System https://www.amazon.com/dp/B001EU9UTM/ref=cm_sw_r_cp_api_04glAbETACDYF We’ve had this espresso machine for four years and it is still going strong. Its about $80. It’s a pump machine (not cheaper steam machines ) that makes espresso as good as...

Nthomas

VFSUX has a $50k minimum. 6% of $500k is $30k. I have repeatedly run into Vanguard suggesting this fund for less than $50k. I don't get it. Same for VFIDX. Don't they wave the minimums for PAS? That is, you still get admiral class shares even if you have < 10k (or 50K) in the fund as long as it is ...

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