Bogleheads.org

Nthomas

The MMf is probably safest. If you invest it in an ETF, for example, you need to pay taxes on any gains prior to the conversion. Although likely small, it would complicate matters a bit.

Nthomas

Call the small business number specifically that I posted above

Nthomas

With the recent changes at Vanguard (shifting some funds from Investor shares to Admiral shares), I wondered if this applied to solo 401Ks held at Vanguard. I attempted to do a conversion on the Vanguard site and none of those holdings showed up. When I clicked on one of the fund holdings, i.e. Inv...

Nthomas

I just called Vanguard and they seem to think it's a big deal to have two different plans and that you should not have more than one under any circumstances. However, I called Schwab and they said as long as you don't contribute more than your maximum annual limit, there is no issue. Perhaps it's sp...

Nthomas

If you already have a Vanguard solo 401(k), can you open a new Fidelity solo 401(k) and have simultaneously two solo 401(k) accounts? (if so, I assume you can only contribute to one of them for any given year) No, you can not have more than a single one-participant 401k plan per business. However, ...

Nthomas

Echoing what someone else already said...I just called vanguard small biz and the rep adamantly confirmed that the i401K accounts are INCLUDED in this switch to admiral shares. Unfortunately there is not a "convert button" like the brokerage accounts and they can't do it for you either. They will be...

Nthomas

Sure wish this applied to solo 401ks - hate being overcharged investor ER rates on total bond when I've met the admiral threshold a long time ago. The rate isn't competitive with Fidelity or other broad bond index funds. I really need to transfer to another company- but many have closing fees or do...

Nthomas

IJS (S&P 600 small cap value) is 0.25. IJR (S&P 600 small cap) is 0.07.

Nthomas

Do NOT take advice from a person who thinks it makes any sense at all to publish a veritable thesis in increments no longer than 280 characters at a time on a social media site. This applies even if they bolster their credibility with poor grammar, cheesy memes, obnoxious markup, and all the other ...

Nthomas

What are some alternatives people here use?

Nthomas

I'm looking forward to 1M primarily because at that point I should start seeing some significant compounding return on my stash. Not so much of an end point as a starting point for phase 2 of accumulation. Agree. Even at 500k you see the massive compounding. I’m not quite there yet but that’s good ...

Nthomas

I'm looking forward to 1M primarily because at that point I should start seeing some significant compounding return on my stash. Not so much of an end point as a starting point for phase 2 of accumulation.

Nthomas

Dak52 wrote: ↑
Wed Oct 10, 2018 5:37 am
Thanks for letting me know. Glad it isn't just me. Not a great feeling when you can't access your accounts :/

I agree it’s not a great feeling. Looks like it’s inaccessible via the iPhone app as well.

Nthomas

Dak52 wrote: ↑
Wed Oct 10, 2018 5:34 am
Hi, Sorry if this is the wrong place to be posting this. Am I the only one getting a 500 when I try to login to Vanguard or even just access their support pages? Thanks

I am getting the error as well.

Nthomas

I called customer service last night. They couldn't answer my question which is why I posted. I was a little surprised as they are usually very knowledgeable.

Nthomas

Does anyone know how to go about doing a back door Roth on SIP? I know on Schwab.com it's an online form to convert non-deductible tIRA to roth but can't see how it would be done on SIP site and the main schwab site does not seem to allow it for SIP.

Nthomas

Thanks for your reply, this is all very new to me. That makes sense. I think the difference was due to stock basis due to the buy-in to the practice.

Nthomas

I am considering joining a medical practice and they shared their financials with me for last few years of tax returns. I am looking at the 1120S K-1 and have a question regarding the income vs. distributions and was hoping someone could help. I won't share exact number obviously. Senior partners Li...

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...

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