Search found 3019 matches

by JamesSFO
Thu May 24, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: Schwab - Bad New Customer Experience
Replies: 1
Views: 581

Re: Schwab - Bad New Customer Experience

Took two more contacts this morning to try and get bank transfer re-enabled, we shall see now.
by JamesSFO
Wed May 23, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: Schwab - Bad New Customer Experience
Replies: 1
Views: 581

Schwab - Bad New Customer Experience

So I decided somewhat on a whim and somewhat to try Schwab's praised services to give their Intelligent Portfolios a try. Opened account (personal revocable trust) online Sunday no problems. Got a call Monday AM that all was set and I was initially impressed. However, it's gone downhill from there: ...
by JamesSFO
Sun May 20, 2018 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services vs. Schwab Intelligent Advisory
Replies: 34
Views: 3786

Re: Vanguard Personal Advisory Services vs. Schwab Intelligent Advisory

Does Schwab have two similarly named offerings? The "Intelligent Portfolios" are $0 fee (https://intelligent.schwab.com/) and then "Intelligent Advisory" (https://www.schwab.com/public/schwab/investment_advice/intelligent_advisory) has a 0.28% AUM cap of $1.4M or so. Very similar names, but differen...
by JamesSFO
Sun May 20, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Apple Pay and Paypal
Replies: 8
Views: 643

Re: Apple Pay and Paypal

Short answer unless you can link your PayPal debit card to your Apple Pay, I don't think so.

Longer answer: I'm not 100% sure what you are trying to do
by JamesSFO
Wed May 16, 2018 1:29 am
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 59
Views: 11869

Re: This is Unbelievable - another Vanguard customer support odyssey

Yes but we're all too lazy to do that. Please summarize. Hmmm... The thing I noted is the positive comments about Vanguard are all over the place, in other words, little consistency, but the negative comments are relatively consistent. Two things stood out to me: 01) A number of CSRs expressed they...
by JamesSFO
Tue May 15, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Customer Service Improvement Incentive?
Replies: 12
Views: 1234

Re: Vanguard Customer Service Improvement Incentive?

(1) Don't assume that what you see on this forum is fully representative of experiences. This board likely over-presents the number of negative Vanguard interactions/problems relative to the customer base at large. (2) Vanguard has owned up to understaffing and is hiring (3) Even so, it takes time t...
by JamesSFO
Tue May 15, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Can a <median household save 1 year of expenses every year?
Replies: 158
Views: 7544

Re: Can a <median household save 1 year of expenses every year?

This is an interesting thread I know it is only in the last few years (~20 years into my adult working life now) that I've been able to consistently save 1x my expenses/year. I have generally had jobs above the median income and no kids; however, live in a VHCOL area and had a mortgage for 15 of the...
by JamesSFO
Mon May 14, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 83
Views: 4575

Re: keyless ignitions and carbon monoxide

They are easy to disable. I did so on the used outback we bought If I somehow disabled my push button start/stop, my truck would just be a lawn ornament henceforth. There's no other way to start the vehicle, without some custom aftermarket work. I believe you are misparsing, not disable push start/...
by JamesSFO
Mon May 14, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Employee Fiduciary Update - 15 months in
Replies: 12
Views: 1388

Re: Employee Fiduciary Update - 15 months in

Interesting, thanks for sharing. We've had good luck with Ascensus/Vanguard. But even still have noticed mistakes where some of their year end projections do not match payroll submissions through their portal. I think at the end of the day running a 401K turns out to be harder than it seems like it ...
by JamesSFO
Mon May 14, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 83
Views: 4575

Re: keyless ignitions and carbon monoxide

They are easy to disable. I did so on the used outback we bought If I somehow disabled my push button start/stop, my truck would just be a lawn ornament henceforth. There's no other way to start the vehicle, without some custom aftermarket work. I believe you are misparsing, not disable push start/...
by JamesSFO
Mon May 14, 2018 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Small company 401k plans
Replies: 42
Views: 2448

Re: Small company 401k plans

Not intending to hijack the thread but can someone recommend me the cheapest TPA and overall service for a sole prop with 2 partners set up as Qualified Joint Venture? There will only be 2 people who are partners and no employees. I got plenty of time so I would like to do the administrative work m...
by JamesSFO
Sat May 12, 2018 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Small company 401k plans
Replies: 42
Views: 2448

Re: Small company 401k plans

Not intending to hijack the thread but can someone recommend me the cheapest TPA and overall service for a sole prop with 2 partners set up as Qualified Joint Venture? There will only be 2 people who are partners and no employees. I got plenty of time so I would like to do the administrative work m...
by JamesSFO
Sat May 12, 2018 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Small company 401k plans
Replies: 42
Views: 2448

Re: Small company 401k plans

I will put in for Vanguard/Ascensus, all customer support is through Ascensus and they are great. Since we are a small employer and I am one of the owners and have the largest plan balance get most of the benefit from NOT having an 8 basis point fee on funds (Employee Fiduciary) and others charge. O...
by JamesSFO
Fri May 11, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor ROTH for 1 Year Only? Worth It?
Replies: 12
Views: 623

Re: Backdoor ROTH for 1 Year Only? Worth It?

So then just make a traditional IRA contribution, e.g. $X. Let it deposit and then chose convert and if your custodian is Vanguard it should trivially go into your existing Roth IRA.

There will be 2 lines you'll fill out on your 8606 beyond the lines you need to already for your existing Roth.
by JamesSFO
Fri May 11, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor ROTH for 1 Year Only? Worth It?
Replies: 12
Views: 623

Re: Backdoor ROTH for 1 Year Only? Worth It?

The resulting Roth IRA account will already be set up this way to then next year you can use it for "front door" or "regular" Roth IRA contribution... So for the 2 minutes and one form 8606 this year (you'll need more in future years anyhow) it's probably worth doing.
by JamesSFO
Wed May 09, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Cost Basis: Average Cost at Vanguard. Can I change to Specific ID
Replies: 2
Views: 436

Re: Cost Basis: Average Cost at Vanguard. Can I change to Specific ID

I believe that IF you have sold using average cost basis already you are "stuck" with that. If you have not yet sold you should switch to your preferred cost basis methodology, e.g. specific ID, or FIFO, etc, before making any sales
by JamesSFO
Sun May 06, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another CP2000 for Roth IRA conversion thread
Replies: 14
Views: 1345

Re: Yet another CP2000 for Roth IRA conversion thread

Same problem for 2016 and Roth IRA, my CPA called IRS and they are working to fix... IRS error
by JamesSFO
Sat May 05, 2018 6:25 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth (Vanguard) Do I "buy" or "exchange?"
Replies: 8
Views: 541

Re: Backdoor Roth (Vanguard) Do I "buy" or "exchange?"

I believe both can work; however, I personally use "Buy" and pick the source of funds as my settlement fund for that account
by JamesSFO
Thu May 03, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 60
Views: 4427

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

So I'd say Amazon was OK on making the refund (the original notice had said it would be in the form of a gift card), bad on keeping customers informed of the steps of the recall process, and I'm unhappy about my personally not having noticed the gift card's (silent) arrival. Thanks again Nisiprius ...
by JamesSFO
Thu May 03, 2018 6:59 am
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 60
Views: 4427

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

Hmm, I just went through my gift card balance history and cannot find any credit, will have to try calling them.
by JamesSFO
Thu May 03, 2018 1:11 am
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 60
Views: 4427

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

Has anyone gotten a refund or replacement battery from Amazon? I completed the recall and shipped my battery back and now nothing...
by JamesSFO
Sun Apr 29, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: What's wrong with this critique of indexing?
Replies: 110
Views: 6332

Re: What's wrong with this critique of indexing?

my point was that even if markets were efficient (which they probably aren't) market cap weighting doesn't seem to be the most rational solution (leaving out the practical question of turnover costs). Ah, ok I think I missed that aspect, thanks for clarifying. I think the response back is that ther...
by JamesSFO
Sun Apr 29, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: What's wrong with this critique of indexing?
Replies: 110
Views: 6332

Re: What's wrong with this critique of indexing?

Can you please point out at which point the following reasoning is wrong? 1) If one believes in the EMH and in common asset pricing models, then one accepts the idea that all information about firms in the stock market is baked into their current prices, so that for every stock you should expect th...
by JamesSFO
Sat Apr 28, 2018 1:34 am
Forum: Investing - Help with Personal Investments
Topic: Why pay extra for VIHAX instead corresponding ETF VYMI?
Replies: 1
Views: 310

Re: Why pay extra for VIHAX instead corresponding ETF VYMI?

Some people truly prefer mutual funds and VG's philosophy makes it so they charge the purchase/redemption fees to reduce chaos for other mutual fund holders.
by JamesSFO
Fri Apr 27, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Bill of Rights for Patients
Replies: 3
Views: 441

Re: Financial Bill of Rights for Patients

Thanks, intriguing article given the number of posts here about medical billing issues etc
by JamesSFO
Thu Apr 19, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: How good are Vanguard bond funds?
Replies: 52
Views: 5278

Re: How good are Vanguard bond funds?

Doc can you point to the original source of your table?
by JamesSFO
Wed Apr 18, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: Your Money Or Your Life
Replies: 49
Views: 6832

Re: Your Money Or Your Life

Amusingly a friend just picked up this book to read the new edition and mentioned we read it ten-plus years ago. I don't recall it but her older emphasis on bonds, bonds, bonds, seems very odd today.
by JamesSFO
Sun Apr 15, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: How much is too much in a Fidelity or VG account?
Replies: 24
Views: 4673

Re: How much is too much in a Fidelity or VG account?

Unlike savings accounts with FDIC insurance there isn't the same type of guarantee in brokerage accounts (SIPC coverage isn't really quite the same, it protects against "loss" of the securities, e.g. a VG or Fido employee somehow manages to remove securities from your account). I personally have nea...
by JamesSFO
Fri Apr 13, 2018 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: How to find annual fee charged by Vanguard & Fidelity
Replies: 4
Views: 674

Re: How to find annual fee charged by Vanguard & Fidelity

If you had a Vanguard PAS account you would know the fee is 0.30% of Assets Under Management (AUM). Not sure of Fidelity's fees for comparable products. Trading fees would be disclosed on specific transactions.

I do NOT believe the law refers to the basic expense ratios of ETFs or mutual funds.
by JamesSFO
Thu Apr 12, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Crazy to start 529 without kids??
Replies: 49
Views: 3730

Re: Crazy to start 529 without kids??

4) You didn't mention your age/marital status/interest in kids (or nieces/nephews) but if you don't use for self who would use it (otherwise there are usually some penalties + taxes on withdrawal) Anyway, now I’m 27 and single and have $1M heading my way in the next few weeks. I maxed my Roth IRA f...
by JamesSFO
Thu Apr 12, 2018 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Crazy to start 529 without kids??
Replies: 49
Views: 3730

Re: Crazy to start 529 without kids??

Personally I would not put more than the LESSER of (a) one year tuition and (b) state max that is deductible in [either way stopping around 1 year tuition if doing investment over multiple years]. Rationale: 1) You may change your mind and 529 money while flexible for reassignment is somewhat limiti...
by JamesSFO
Wed Apr 11, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: Is rebalancing with new money only superior?
Replies: 17
Views: 988

Re: Is rebalancing with new money only superior?

Let's simplify and assume all of the holdings are in retirement accounts (e.g. ignore taxes). So you have a pile of money $X in funds F1, F2, F3... And you have enough money $Y about to be incorporated in that could help you right the distribution between F1 and F3. The money has no "memory" There m...
by JamesSFO
Wed Apr 11, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being unreasonable? [Send daughter to private kindergarten]
Replies: 70
Views: 4122

Re: Am I being unreasonable?

I do not think you are being unreasonable, but I also do not think that makes you right either. It sounds like this is the first significant monetary/value disagreement between you and your wife. No set of (internet) strangers is going to shift her viewpoint (or yours) very much. What are some of he...
by JamesSFO
Tue Apr 10, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Help with ineligible 2016 + 2017 Roth contributions
Replies: 8
Views: 386

Re: Help with ineligible 2016 + 2017 Roth contributions

retiredjg wrote:
Tue Apr 10, 2018 3:53 pm
JamesSFO wrote:
Tue Apr 10, 2018 2:53 pm
Question why was the 2016 contribution not allowed? Were they over the income limit? Or something about MFJ?
It is something about married filing separately. The Roth MAGI for those folks is $10k. Completely nuts - I have no idea why.
TIL! (today I learned) Thanks!
by JamesSFO
Tue Apr 10, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Help with ineligible 2016 + 2017 Roth contributions
Replies: 8
Views: 386

Re: Help with ineligible 2016 + 2017 Roth contributions

Question why was the 2016 contribution not allowed? Were they over the income limit? Or something about MFJ?

Not sure on the answer but this sounds like an area where a CPA more familiar with the rules could help.
by JamesSFO
Mon Apr 09, 2018 7:19 am
Forum: Personal Finance (Not Investing)
Topic: USAA Check Clearing Time
Replies: 7
Views: 529

Re: USAA Check Clearing Time

Weird, do you have a savings account at USAA? I do and usually my mobile checks are same day available (clearing takes a bit more)
by JamesSFO
Sat Apr 07, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 37
Views: 3217

Re: Vanguard Customer Service

DCCBOONE I am blunt and I don't suffer fools, especially WHEN I'M PAYING THEIR SALARIES. The problems I referred to started as follows and I will let you judge who is in the wrong. I called up and asked to be connected to the retirement unit. I don't know if I said please.. The rep wanted to know w...
by JamesSFO
Sat Apr 07, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: "The Secret"
Replies: 19
Views: 2718

Re: "The Secret"

NYTimes book review of the sequel offers useful criticism ( https://www.nytimes.com/2010/09/26/books/review/Chabris-t.html ) The intuitive appeal of such stories illustrates the human tendency to see things that happen in sequence — first the positive thinking, then the positive results — as forming...
by JamesSFO
Wed Apr 04, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Used a Healthcare Broker--and I liked it!
Replies: 15
Views: 2201

Re: Used a Healthcare Broker--and I liked it!

This almost feels like a "naughty confessions" thread ;)

It is useful to remember that while we espouse a DIY philosophy, professionals of various sorts can often help.
by JamesSFO
Tue Apr 03, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: Select Account HSA changing to Further?
Replies: 8
Views: 975

Re: Select Account HSA changing to Further?

(accidental duplicate post)
by JamesSFO
Tue Apr 03, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: Select Account HSA changing to Further?
Replies: 8
Views: 975

Re: Select Account HSA changing to Further?

It is just a name change.
by JamesSFO
Tue Apr 03, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 37
Views: 3217

Re: Vanguard Customer Service

Even if the retirement unit would give this response, does that excuse the fact that two Vanguard reps (including a supervisor) wouldn't let me speak to the retirement unit? Not sure what "this" refers to above. You keep saying "retirement unit", there is no single retirement unit. Having gone from...
by JamesSFO
Tue Apr 03, 2018 12:40 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 37
Views: 3217

Re: Vanguard Customer Service

Also here's (https://www.vanguard.com/pdf/r207.pdf) the PDF of the SmallBiz guide for filling out 5500, this is the 2017 edition, we received this + other materials each year to help with filling out the form. Page 8 has the codes to fill out if you have an I401K.
by JamesSFO
Tue Apr 03, 2018 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 37
Views: 3217

Re: Vanguard Customer Service

I meant Flagship not Admiral; I had a question about IRS Form 5500 which refers to a form that has to filed for self-retirement accounts. And yes I was sent to a flagship rep. My personal rep is utterly incompetent and his supervisor is even worse. (I didn't deal with my personal rep on this matter...
by JamesSFO
Mon Apr 02, 2018 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Did I just screw up my first attempt at tax loss harvesting?
Replies: 12
Views: 806

Re: Did I just screw up my first attempt at tax loss harvesting?

Yeah from what you wrote unless you bought more dividend growth, you are fine. Dividends going into MMkt doesn't create a wash sale.
by JamesSFO
Mon Apr 02, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Freelancing Physician Spouses, Will Sharing One LLC Risk Asset Protection? Florida
Replies: 11
Views: 966

Re: Freelancing Physician Spouses, Will Sharing One LLC Risk Asset Protection? Florida

Florida has particularly quirky rules around this, highly recommend getting a FL attorney involved. There's a special Florida Family Limited Partnership entity type but I don't know how it works if both spouses are physicians.
by JamesSFO
Wed Mar 28, 2018 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Exit / Bonus Farming plan... what can go wrong?
Replies: 34
Views: 2931

Re: Vanguard Exit / Bonus Farming plan... what can go wrong?

Just wondering how much you value your time at (e.g. $ per hour). If you spend say ~4 hours on this project (+ future time now checking 3 sites instead of 1) will it be worth the $300 in bonuses (which may be taxable so perhaps only ~$200 after taxes in bonuses)? As you note there may be issues with...
by JamesSFO
Tue Mar 27, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: HELP wash sale / day trading
Replies: 8
Views: 700

Re: HELP wash sale / day trading

Thanks for the reply. Here's an example... I bought Google before the earnings report foolishly, kept holding after a lot of losses, sold for like 1.5k in losses, then bought when it bottomed out. Sold for very little profit, but all within a week. After, I bought a different stock and recovered co...
by JamesSFO
Tue Mar 27, 2018 12:59 am
Forum: Investing - Help with Personal Investments
Topic: HELP wash sale / day trading
Replies: 8
Views: 700

Re: HELP wash sale / day trading

It's rather hard to answer without you giving us an example of the basic trades in one stock. For example, if at the end of the day you own 0 shares of say AAPL after having bought/sold/bought/sold a bunch, and do not buy more AAPL within the wash sale period, then you should be able to claim all of...
by JamesSFO
Mon Mar 26, 2018 7:00 am
Forum: Local Chapters and Bogleheads Community
Topic: San Francisco Mid Peninsula, California Chapter Interest?
Replies: 10
Views: 1364

Re: San Mateo Mid Peninsula, California Chapter Interest?

Ditto, Redwood City here and same issue with San Jose chapter.