Search found 109 matches

by Nthomas
Wed Oct 10, 2018 5:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4542

Re: Vanguard site 500 error

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.
by Nthomas
Wed Oct 10, 2018 5:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4542

Re: Vanguard site 500 error

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.
by Nthomas
Fri Sep 28, 2018 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolios Back Door Roth
Replies: 3
Views: 404

Re: Schwab Intelligent Portfolios Back Door Roth

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.
by Nthomas
Thu Sep 27, 2018 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolios Back Door Roth
Replies: 3
Views: 404

Schwab Intelligent Portfolios Back Door Roth

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.
by Nthomas
Fri Aug 24, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: K-1 1120S Income Vs. Distribution
Replies: 4
Views: 282

Re: K-1 1120S Income Vs. Distribution

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.
by Nthomas
Fri Aug 24, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: K-1 1120S Income Vs. Distribution
Replies: 4
Views: 282

K-1 1120S Income Vs. Distribution

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...
by Nthomas
Tue Aug 14, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 36
Views: 3493

Re: Brokerage checking: Fidelity, Schwab, or Vanguard

IMO Schwab bank and solo/individual 401k are both excellent.
by Nthomas
Sun Aug 12, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 5229

Re: How often do you check your brokerage accounts

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...
by Nthomas
Sat Aug 11, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: VPAS and backdoor Roth IRA
Replies: 3
Views: 355

VPAS and backdoor Roth IRA

Will vanguard personal advisor services perform a backdoor Roth IRA transaction for you or do you need to do this manually?
by Nthomas
Fri Jul 20, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: Warning: Gaping Schwab security hole!
Replies: 1
Views: 3875

Warning: Gaping Schwab security hole!

[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.
by Nthomas
Fri Jul 20, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17610

Re: Salary vs. Lifestyle

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...
by Nthomas
Fri Jul 20, 2018 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17610

Re: Salary vs. Lifestyle

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 ...
by Nthomas
Thu Jul 19, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17610

Re: Salary vs. Lifestyle

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 ...
by Nthomas
Wed Jul 18, 2018 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17610

Re: Salary vs. Lifestyle

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 ...
by Nthomas
Mon Jul 09, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: Is it contradictory to be a Boglehead and have substantial allocation towards SCV?
Replies: 30
Views: 2505

Re: Is it contradictory to be a Boglehead and have substantial allocation towards SCV?

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...
by Nthomas
Sun Jul 08, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Schwab
Replies: 18
Views: 2502

Re: Fidelity vs Schwab

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...
by Nthomas
Sun Jul 08, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Schwab
Replies: 18
Views: 2502

Re: Fidelity vs Schwab

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...
by Nthomas
Fri Jul 06, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: View Vanguard account within Schwab (connected accounts)
Replies: 17
Views: 1427

Re: View Vanguard account within Schwab (connected accounts)

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 ...
by Nthomas
Fri Jul 06, 2018 6:31 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 15331

Re: How to "retire" in your 30's article

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...
by Nthomas
Tue Jul 03, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Need Your Feedback on 100% VTSAX
Replies: 39
Views: 4163

Re: Need Your Feedback on 100% VTSAX

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...
by Nthomas
Tue Jul 03, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: What happens if your Vanguard account has been hacked.
Replies: 21
Views: 3137

Re: What happens if your Vanguard account has been hacked.

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...
by Nthomas
Tue Jul 03, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 238
Views: 22918

Re: Vanguard to offer non-Vanguard ETFs commission-free

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...
by Nthomas
Tue Jul 03, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: What happens if your Vanguard account has been hacked.
Replies: 21
Views: 3137

Re: What happens if your Vanguard account has been hacked.

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...
by Nthomas
Mon Jul 02, 2018 6:38 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 81
Views: 7115

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

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...
by Nthomas
Fri Jun 22, 2018 8:24 pm
Forum: Investing - Theory, News & General
Topic: Small-cap exposure in VBR, ie CRSP small-cap value index fund
Replies: 64
Views: 5119

Re: Small-cap exposure in VBR, ie CRSP small-cap value index fund

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.
by Nthomas
Wed Jun 20, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Value of a Military Retirement
Replies: 30
Views: 3834

Re: Value of a Military Retirement

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...
by Nthomas
Tue Jun 19, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 9153

Re: gray hair

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.
by Nthomas
Tue Jun 19, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Charles Schwab account
Replies: 26
Views: 3439

Re: Vanguard or Charles Schwab account

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...
by Nthomas
Sun Jun 17, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard admiral shares
Replies: 17
Views: 1350

Re: Vanguard admiral shares

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...
by Nthomas
Sun Jun 10, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Solo 401k - fidelity vs. vanguard
Replies: 20
Views: 1804

Re: Solo 401k - fidelity vs. vanguard

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...
by Nthomas
Thu May 31, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 140
Views: 17053

Re: Paul Merriman and Small Cap Value

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.
by Nthomas
Thu May 31, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 140
Views: 17053

Re: Paul Merriman and Small Cap Value

duplicate disregard
by Nthomas
Sun May 06, 2018 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Taxable Account Advice
Replies: 10
Views: 1199

Re: Schwab Taxable Account Advice

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...
by Nthomas
Sun May 06, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing 2 physician jobs
Replies: 69
Views: 6718

Re: Comparing 2 physician jobs

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...
by Nthomas
Sun May 06, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Investor ->Admiral and automatic investments
Replies: 2
Views: 464

Vanguard Investor ->Admiral and automatic investments

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. ...
by Nthomas
Fri May 04, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 19377

Re: Ed. Jones rep didn't like our plan, now we're locked out

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 ...
by Nthomas
Fri Apr 20, 2018 6:52 am
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 5750

Re: Factor in evaluating Physicians

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...
by Nthomas
Thu Apr 12, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: VA Physician TSP matching and FERS
Replies: 7
Views: 896

Re: VA Physician TSP matching and FERS

$385 is the actual salary. Not an estimate of benefits.
by Nthomas
Tue Apr 10, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: VA Physician TSP matching and FERS
Replies: 7
Views: 896

Re: VA Physician TSP matching and FERS

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.
by Nthomas
Tue Apr 10, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: VA Physician TSP matching and FERS
Replies: 7
Views: 896

VA Physician TSP matching and FERS

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...
by Nthomas
Fri Mar 30, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard in the WSJ today
Replies: 57
Views: 8670

Re: Vanguard in the WSJ today

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...
by Nthomas
Sat Mar 17, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity i401k vs ETrade/TDAmeritrade Roth i401k
Replies: 7
Views: 817

Re: Fidelity i401k vs ETrade/TDAmeritrade Roth i401k

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...
by Nthomas
Sat Jan 13, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 49
Views: 5129

Re: Vanguard Personal Advisory Services Fees

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...
by Nthomas
Sat Jan 13, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 49
Views: 5129

Re: Vanguard Personal Advisory Services Fees

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.
by Nthomas
Sat Jan 13, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 49
Views: 5129

Re: Vanguard Personal Advisory Services Fees

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")
by Nthomas
Mon Jan 01, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help my 7 year old daughter invest $50 of her Christmas money
Replies: 30
Views: 2794

Re: Help my 7 year old daughter invest $50 of her Christmas money

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.
by Nthomas
Fri Dec 29, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 72
Views: 9578

Re: Using Vanguard’s advisors

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...
by Nthomas
Fri Dec 29, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Opening 2 Solo 401k accounts?
Replies: 7
Views: 830

Re: Opening 2 Solo 401k accounts?

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...
by Nthomas
Fri Dec 29, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 72
Views: 9578

Re: Using Vanguard’s advisors

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 ...