Search found 642 matches

by Alskar
Mon Jan 22, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 70553

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

livesoft wrote:
Sat Jan 20, 2018 4:27 pm
But in the end since share prices fluctuate, the only thing that matters with dividend reinvestment to me is the number of shares I get since that's what I will be selling in the future.
Agreed! Doesn't minimizing the reinvestment price maximize the number of shares one receives?
by Alskar
Mon Jan 22, 2018 8:53 pm
Forum: Investing - Theory, News & General
Topic: No more TDA Apex?
Replies: 19
Views: 5186

Re: No more TDA Apex?

Where did you move to and are you happy with the new place? I’ve been considering leaving TDA as well (due to their comm-free ETF changes). Considering Vanguard, Fidelity and Merrill Edge but have not researched yet. I'm consolidating everything into accounts at Fidelity. I've had pretty good custo...
by Alskar
Sat Jan 20, 2018 4:22 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 70553

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

It is OK that you believe that there is no rounding error, but that doesn't mean you are not missing 0.00034 shares that you should not be missing. Both Fidelity and TD Ameritrade report the average reinvestment price to 6 significant digits. For example 8.72069E10 in dollars. Since I'm only compar...
by Alskar
Sat Jan 20, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 70553

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Here's the comparison I did of the reinvestment price I received at TD Ameritrade and Fidelity for various ETF's. Here are a few caveats: The dates given are intended to represent the dividend period, not the precise date of the reinvestment. In general, the TD Ameritrade reinvestment occurred at le...
by Alskar
Sat Jan 20, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 70553

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

What happens when the number of shares supposedly purchased is 0.02634 and gets rounded down to 0.026 shares? Where did the 0.00034 shares go? How much would 0.00034 shares cost at a price of $87.3259? Here's how I believe it works: The dividends for ETF's are paid in cash. The cash is distributed ...
by Alskar
Sat Jan 20, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 132
Views: 14132

Re: Best 401k Employer Match Structure

I think the term you are looking for is elective vs. nonelective. For a profit sharing contribution, you receive the contribution regardless of a deferral. You don't make an election. For a match, you have to make an election to defer to receive the contribution. I'm no expert on this. However, I'm...
by Alskar
Sat Jan 20, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: No more TDA Apex?
Replies: 19
Views: 5186

Re: No more TDA Apex?

Looks like poor commmunication more than anything, rather than a stealth fee increase. If you have concerns, I invite you to call customer service, ask your questions, and report back. Poor communication on the part of TD is a good portion of why I left TD. They never seemed to be able to get their...
by Alskar
Mon Jan 15, 2018 7:49 pm
Forum: Investing - Theory, News & General
Topic: No more TDA Apex?
Replies: 19
Views: 5186

Re: No more TDA Apex?

Apex clients used to have free full outgoing ACAT. Now, the full outgoing ACAT is listed as $75, the previous non-Apex rate. So it looks like a downgrade, as far as the ACAT fees are concerned. Thanks for sharing this! I closed my TD Ameritrade accounts a few days after TD "enhanced" their commissi...
by Alskar
Mon Jan 15, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 5785

Re: Nostalgic about old online brokerages that no longer exist

Here's the path I took: Bidwell >> Ameritrade >> TD Ameritrade. All of these were through acquisitions.

I recently closed my TD Ameritrade account and consolidated my holdings at Fidelity.
by Alskar
Mon Jan 15, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 132
Views: 14132

Re: Best 401k Employer Match Structure

I've worked for about a dozen companies in the past 32 years that I've worked as an electrical design engineer. I've made a bit of a study of 401k matching. Many of the startups I've worked for offer zero match. The highest match I've ever received was 8%. My current employer is a Fortune 500 compan...
by Alskar
Thu Jan 11, 2018 8:30 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 70553

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I don't see how I can make this any more obvious. The information is not presented; it has to be calculated by you. You paid a 1.3% higher price than what was shown to you. Like you, I do not see how I can make this any clearer, but I will try. Both Fidelity and TD Ameritrade publish the reinvestme...
by Alskar
Fri Jan 05, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 70553

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

My point was that the reported reinvestment price per share is not correct if you do the math yourself. I disagree. Both companies report the dividend received, the number of shares purchased and the reinvestment price on a per share basis. I have no idea where your example came from as I have neve...
by Alskar
Fri Jan 05, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 70553

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

So when you collect data, please do the math and do not simply restate the price in your statement(s). I think the previous discussion of prices used for re-investment in the link I gave may suffer from the same kind of error. I used the reinvestment price per share that both Fidelity and TD Amerit...
by Alskar
Thu Jan 04, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 70553

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

After TD "enhanced" their commission-free ETF program, I decided to move all of the assets I had at TD to Fidelity. I did this because of concerns about the liquidity of the ETF's on the new list which are tiny compared to the Vanguard funds, a long history of customer service issues at TD and the f...
by Alskar
Thu Jan 04, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 92
Views: 17645

Re: Why Edward Jones?

One of my best and closest friends has all of his retirement money at Edward Jones. He lives in a small town on the Oregon coast and likes the fact that he can have face-to-face conversations with his "advisor" as needed. I've tried a couple of time to open his eyes to the fees that he's being charg...
by Alskar
Thu Jun 08, 2017 11:22 pm
Forum: Investing - Theory, News & General
Topic: E*Trade Account Closure fees
Replies: 17
Views: 4125

Re: E*Trade Account Closure fees

But probably every brokerage charges a similar outgoing account transfer fee. I was thinking of consolidating my various accounts at Ally, but the transfer costs were prohibitive. I can say from personal experience that Ameriprise charges a closure fee of $100 per account. My father's assets were a...
by Alskar
Thu Jun 08, 2017 11:12 pm
Forum: Investing - Theory, News & General
Topic: Why You Still Can’t Trust Your Financial Adviser
Replies: 54
Views: 7992

Re: Why You Still Can’t Trust Your Financial Adviser

David Jay wrote:As has been said many times on BH: "When you know enough to choose a good FA, you no longer need one."
I been on the BH forum for years and have never read that before, but I like it. +1
by Alskar
Wed May 17, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Funny Letter [Canceling Escrow Account]
Replies: 39
Views: 6813

Re: Funny Letter [Canceling Escrow Account]

FWIW, self escrow is wonderful. Especially when it's in an Ally 1.05% savings account. I use my Reward Checking account that currently pays 1.75%APY on balances up to $25K to save for my enormous Oregon property tax payment. There are hoops to jump through to get this rate, but I've qualified for t...
by Alskar
Wed Apr 26, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 335
Views: 66572

Re: Retreat to cash

This is why I have given up trying to predict the market. The dumb money ceases to be dumb once it realises it knows nothing! I too have been humbled enough by trying to predict the market, that I've given up trying. I'm reminded of a bumper sticker that was popular a few years back: Get In. Sit Do...
by Alskar
Mon Apr 24, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 278
Views: 30826

Re: Do you have an umbrella policy?

Outside of bankruptcy, it's up to state, most states do... some are more clear and absolute regarding it, here's a state by state rundown citing relevent statute in each state: http://moranknobel.com/news/State_Laws_Protecting_IRAs.pdf Thanks for the information. It's interesting (to me anyway) tha...
by Alskar
Wed Apr 19, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 278
Views: 30826

Re: Do you have an umbrella policy?

The good news is that if you're a good little boglehead and have been maxing out your retirement accounts, then even if you are successfully sued for $500 Million, in most states you get to at least keep your retirement accounts! I think that's only true for 401k or 403b accounts, not for rollover ...
by Alskar
Wed Mar 01, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 69
Views: 8543

Re: Fidelity drops equity trade fee to $4.95

jrbdmb wrote:I keep hoping that TD Ameritrade will offer a similar deal since I already do most of my banking at TD, but so far no such luck.
TD Ameritrade lowered the commission on equity trades to $6.95 yesterday. It seems like a price war is underway!
by Alskar
Wed Feb 15, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: 7 Year PenFed CD's @3.75% APR Maturing. Now what?
Replies: 5
Views: 874

7 Year PenFed CD's @3.75% APR Maturing. Now what?

Starting about this time of year back in 2010, PenFed was offering 7 year CD's at 3.75% APR. Later than year, they lowered it to 3.49% APR. I believe a bunch of us bought these CD's as they were very competitive for that time. These CD's are now beginning to mature. Mine mature Oct 1, 2017. Mine are...
by Alskar
Mon Feb 13, 2017 8:57 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 335
Views: 66572

Re: Retreat to cash

This is why I have given up trying to predict the market. The dumb money ceases to be dumb once it realises it knows nothing! I too have been humbled enough by trying to predict the market, that I've given up trying. I'm reminded of a bumper sticker that was popular a few years back: Get In. Sit Do...
by Alskar
Mon Feb 13, 2017 8:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Reaches $4 Trillion for First Time
Replies: 25
Views: 5120

Re: "Vanguard Hits $4 Trillion Milestone" Not a word about Bogle.

Oh wow. I have Voyager status and called a few times in November. I think there was maybe a five minute wait. Whatever the wait was, it was short enough that it didn't even register that I was waiting for long. In my experience, the issue with poor customer service at Vanguard had nothing to do wit...
by Alskar
Sun Feb 12, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Job Question - Stay or Go
Replies: 17
Views: 2287

Re: Job Question - Stay or Go

Our annual expenses are around $30,000 a year and we currently have $1M in investment assets (this includes funds in the ESOP). I agree with what other's have said; If I where you, I'd find out what my skills are worth on the open market. I'd also add that if a significant amount of your $1M in ass...
by Alskar
Wed Feb 08, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Sibling-Owned 529 Plan
Replies: 7
Views: 1153

Re: Sibling-Owned 529 Plan

Thanks everybody! It does appear that my father received incorrect financial advise. I will discuss what to do about this with my sister.
by Alskar
Wed Feb 08, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Sibling-Owned 529 Plan
Replies: 7
Views: 1153

Re: Sibling-Owned 529 Plan

Is their any reason the child's mother can't be the account owner? That might eliminate any problems if there is no concern over misuse of the funds. At the time of my mother's death in 2010, my father's financial advisor indicated that if the 529 plan was owned by the parent of the child attending...
by Alskar
Tue Feb 07, 2017 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Sibling-Owned 529 Plan
Replies: 7
Views: 1153

Sibling-Owned 529 Plan

I'm starting a new thread instead of hijacking a similar one about Grandparent-owned 529 plans: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=210353 Without my knowledge, my parents made me the successor owner on three 529 plans they opened for each of my sister's three children; their grandk...
by Alskar
Fri Jan 20, 2017 7:58 pm
Forum: Investing - Theory, News & General
Topic: ER's Now Itemized in 401k
Replies: 2
Views: 687

Re: ER's Now Itemized in 401k

The only thing like that in my 401k is that 4 times a year all of my funds are charged for a total of $5.25 going towards the $21/year administration/recordkeeping fee of the 401k. No, there is a $13.50 charge every quarter for administration and record keeping. That charge is consistent and well d...
by Alskar
Fri Jan 20, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: ER's Now Itemized in 401k
Replies: 2
Views: 687

ER's Now Itemized in 401k

Beginning in mid-July of 2016 the 401k in which I am a participant starting charging me small sums ranging from $0.01 to ~$1.50 at seemingly random intervals. The links to the transaction details were broken until yesterday. The transaction details that I can now see have the names of funds that I o...
by Alskar
Thu Jul 14, 2016 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA and RMD
Replies: 10
Views: 2127

Re: Inherited IRA and RMD

I went through this about a year ago. You may want to search for the thread about that experience as it contains some useful information. In my case, my father's assets were held in a trust. The type of trust is apparently very important (see the thread I mentioned). The trust was split into three a...
by Alskar
Tue Jul 12, 2016 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 50795

Re: [Fidelity drops AmEx, Bank of America credit cards]

I just received the final statement for my Fidelity AMEX (2%) FIA CC. The statement says "Auto Pay Active" on it. Based on that I would expect FIA to withdrawal the final payment to them from my checking account automatically. However, that is incorrect. I called FIA and was told that there would be...
by Alskar
Mon Sep 28, 2015 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex: Security Annoyances
Replies: 92
Views: 11782

Re: Fidelity 2% Amex: Security Annoyances

I've got the FIA Visa and it gets shut down about every 60 days for some bogus security issue or another. And I've had a new card every 4-5 months or so the last two years, which is a pain because I have a lot of auto-pay accounts linked to it. +1. My Fido AMEX got shutoff while I was in Denver to ...
by Alskar
Tue Sep 22, 2015 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA - Push vs Pull
Replies: 35
Views: 3267

Re: Inherited IRA - Push vs Pull

Thank you very much Alan S. !!
by Alskar
Mon Sep 21, 2015 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA - Push vs Pull
Replies: 35
Views: 3267

Re: Inherited IRA - Push vs Pull

The question to ask Ameriprise since one of the qualified trust requirements is that the trust information or a copy thereof be provided to the IRA custodian by 10/31 of the year following the year of death is whether they consider the trust to be qualified for "look through treatment". That means ...
by Alskar
Sun Sep 20, 2015 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA - Push vs Pull
Replies: 35
Views: 3267

Re: Inherited IRA - Push vs Pull

The question to ask Ameriprise since one of the qualified trust requirements is that the trust information or a copy thereof be provided to the IRA custodian by 10/31 of the year following the year of death is whether they consider the trust to be qualified for "look through treatment". That means ...
by Alskar
Wed Sep 16, 2015 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA - Push vs Pull
Replies: 35
Views: 3267

Re: Inherited IRA - Push vs Pull

When you refer to "parts of the trust being qualified", it appears you may be referring to the accounts for which the trust is beneficiary. If so, note that a "qualified trust" refers to the trust provisions meeting all 4 requirements on p 12 of IRS Pub 590 B. Does Ameriprise agree that this trust ...
by Alskar
Wed Sep 16, 2015 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: How long should a transfer from one HSA administrator to another take?
Replies: 4
Views: 925

Re: How long should a transfer from one HSA administrator to another take?

Does anyone know if this 4-6 week timeframe is reasonable? Is there anything I can do to speed up the process? When I closed my HSA account at HSA Bank it took just over 5 weeks to get the money transferred. IMHO this is not reasonable, but it appears to be typical. In my view, HSA Bank deliberatel...
by Alskar
Tue Sep 15, 2015 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA - Push vs Pull
Replies: 35
Views: 3267

Re: Inherited IRA - Push vs Pull

Brokerage says: 1. "I've worked here 40 years and never seen a "Push IRA", only "Pull IRAs". Why not let us do the transfer paperwork? It will only take 5 minutes[/b] I'm going through much of the same thing right now. My situation is slightly different than yours in that my father's trust (at Amer...
by Alskar
Mon Aug 03, 2015 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA - Push vs Pull
Replies: 35
Views: 3267

Re: Inherited IRA - Push vs Pull

Brokerage says: 1. "I've worked here 40 years and never seen a "Push IRA", only "Pull IRAs". Why not let us do the transfer paperwork? It will only take 5 minutes[/b] I'm going through much of the same thing right now. My situation is slightly different than yours in that my father's trust (at Amer...
by Alskar
Mon Jul 13, 2015 8:33 pm
Forum: Personal Consumer Issues
Topic: Desktop wifi connection + keyboard
Replies: 9
Views: 954

Re: Desktop wifi connection + keyboard

Keyboard: in the 90s [?] keyboards had a firm touch and a sharp click. Can anyone recommend such a keyboard today, best if it has some sort of illumination. Thank you Since I spend about 6+ hours a day on my keyboard, its touch is extremely important to me. I love my SIIG "Premium USB Keyboard with...
by Alskar
Mon Jul 06, 2015 12:56 pm
Forum: Personal Consumer Issues
Topic: Vanguard's Security image going away?
Replies: 82
Views: 12292

Re: Vanguard's Security image going away?

What do you think about Vanguard discontinuing the security image? I think it is long overdue. Security images come under the general rubric of "security theater" (the appearance of adding security without actually adding security) in my view. I think website that use security images and pass phras...
by Alskar
Sun Jul 05, 2015 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 158
Views: 19308

Re: Obsessing towards zero balance on credit card.

Seriously. Automate your financial life. I pay bills early just like you do all the time for the same reasons, but not bills I can set up to autopay every month automatically and forget about. I would add that this is one of the places a reward checking account can help. I'm earning 1.75% on the fi...
by Alskar
Thu Jul 02, 2015 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 158
Views: 19308

Re: Obsessing towards zero balance on credit card.

So here're my questions for those of you who pay in full each month: How often do you check and pay your credit card(s) in full each month? What's your method? All of my credit cards are setup to pay the entire balance automatically once per month on the due date via an ACH withdrawal from my rewar...
by Alskar
Fri May 01, 2015 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Record Keeping Fee
Replies: 87
Views: 15333

Re: 401k Record Keeping Fee

You're suggesting that it's okay to spend $500 for floormats for a $50K car because $500 is a small percentage of $50K No I'm not. I'm suggesting that If your 401k total expenses are less than 30 bps you are doing far better than 80%-90% of America and you shouldn't be complaining. You could certai...
by Alskar
Fri May 01, 2015 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Record Keeping Fee
Replies: 87
Views: 15333

Re: 401k Record Keeping Fee

Your total cost is what matters. What is your total cost as a % of your invested assets? That certainly is the opinion of 401k advisers, TPA's, and car sales people, but I complete disagree. You're suggesting that it's okay to spend $500 for floormats for a $50K car because $500 is a small percenta...
by Alskar
Mon Apr 27, 2015 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Record Keeping Fee
Replies: 87
Views: 15333

Re: 401k Record Keeping Fee

That sounds like a bargain to me. Mine is 75bps. If my account value is $30k, I pay $225/year in garbage costs vs if it were in an IRA. The tax deduction is worth it. I suspect you're conflating or commingling record keeping expenses with other administrative, custodial and/or investment expenses. ...
by Alskar
Sat Apr 25, 2015 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Record Keeping Fee
Replies: 87
Views: 15333

401k Record Keeping Fee

I missed some important data in The 401k Averages Book, 12th Edition . As I was getting ready to return the book I glanced at the index and noticed they list the larger plans in the middle of the book not at the end. Odd... In any case, for plans with 2000 participants and $100M in assets ($50K aver...
by Alskar
Thu Apr 16, 2015 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Record Keeping Fee
Replies: 87
Views: 15333

Re: 401k Record Keeping Fee

Alskar, Can you confirm your numbers? Based on what you've provided, the average account balance is $216k. That's almost 2.5 times the national average. Certainly possible, but not normal. Also, is there something specific to your plan such as company stock as an investment, or self-directed broker...