Search found 3098 matches

by JamesSFO
Wed Dec 05, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Overcontribution
Replies: 19
Views: 1473

Re: 401k Overcontribution

If you know the amount is $652 why not just ask for a corrective distribution from NewCo for that amount?
by JamesSFO
Mon Dec 03, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: .28 cents in my IRA account after backdoor Roth
Replies: 14
Views: 1555

Re: .28 cents in my IRA account after backdoor Roth

If this is at Vanguard you can call them and ask them to convert the rest, sometimes the interest on the MMkt account does not automatically go over to the Roth. In my experience the interest has never gone over to the Roth. It's quite annoying :annoyed Of ~3-5 years I've done this with the new acc...
by JamesSFO
Mon Dec 03, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: .28 cents in my IRA account after backdoor Roth
Replies: 14
Views: 1555

Re: .28 cents in my IRA account after backdoor Roth

If this is at Vanguard you can call them and ask them to convert the rest, sometimes the interest on the MMkt account does not automatically go over to the Roth.
by JamesSFO
Mon Dec 03, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Stocks to Pay Off Mortgage
Replies: 73
Views: 5014

Re: Out of Stocks to Pay Off Mortgage

I would not deplete your taxable to pay off the mortgage... Also, you likely will owe capital gains on the sale so it will not go 1-for-1. Why not instead cut off monthly (taxable) investments and divert to pay off the mortgage implicitly it sounds like you maybe are putting $1K or something away ta...
by JamesSFO
Tue Nov 27, 2018 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Employer switching 401k provider,how to plea for in-service rollover
Replies: 17
Views: 1492

Re: Employer switching 401k provider,how to plea for in-service rollover

What would be the reason, or restricting factors, for not allowing me to rollover? ( -is it ERISA or IRS? - is it plan administrators wanting to be tough/consistent? -is it third party benefits/new provider not wanting to lose out on total account fees?) Most likely ERISA/IRS regs combined with the...
by JamesSFO
Wed Nov 21, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17124

Re: Vanguard lowering Admiral level to $3,000?

This is a nice change to see. When combined with free ETF trades, VG seems to have a nice mix of offerings: - No minimum: buy some ETFs at no charge - $1K: buy a fund-of-funds (hopefully with even lower expenses soon :D) - $3K+: Buy admiral shares Given that VG does not have the flexibility to have ...
by JamesSFO
Fri Nov 09, 2018 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard customer service
Replies: 12
Views: 1705

Re: Vanguard customer service

Sadly the prospectus makes it clear only natural persons can invest: Vanguard Prime Money Market Fund Vanguard has designated Vanguard Prime Money Market Fund as a retail money market fund. Retail money market funds are defined as prime or tax-exempt money market funds that have policies and procedu...
by JamesSFO
Tue Nov 06, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Frustrating issue with VG website. Need advice.
Replies: 12
Views: 1765

Re: Frustrating issue with VG website. Need advice.

I have the same problem at Fidelity. Two accounts with zero balances from an employer I haven't worked for since 2008. I gave up trying to get Fidelity to delete the accounts and just opted in my settings to hide them. They are still there, but they don't bother me any more. Ditto, I have 3 old 401...
by JamesSFO
Tue Nov 06, 2018 2:01 am
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12883

Re: Are we in trouble?

I think OP has not painted a very complete picture because midway through the thread a 3rd property (paid off) that they plan to retire to appeared... It seems like OP is a bit over-extended and disappointed that the grass was not as green on the TX side of the river. Selling the Chicago house quick...
by JamesSFO
Sat Nov 03, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: FSTVX -> FSKAX
Replies: 15
Views: 1896

Re: FSTVX -> FSKAX

Spoke to Fidelity representative about the lost cost basis info. They assured me that all the historical cost basis info and individual lot information would be retained, and restored on the web site. Said it might take a week or so of it all to be visible on the web site. Just noticed this problem...
by JamesSFO
Wed Oct 17, 2018 1:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard screws up rollover from TSP
Replies: 41
Views: 4492

Re: Vanguard screws up rollover from TSP

There may be complaints with the other firms, however I diligently read these boards daily or at least 5 times a week and I've only seen Vanguard. Mind you, I have absolutely no problems with Vanguard - my transactions have all been smooth. This is just an observation. This is a more-or-less heavil...
by JamesSFO
Sat Oct 13, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 5994

Re: Anyone done a Hair Transplant?

What is the name of the robot procedure? Last (and only) previous firsthand review I got for a hair replacement procedure was for Neograft, which isn't exactly new. I am serious about having something done next year. Thank you in advance. Artas - http://siliconvalleyhairinstitute.com/artas/ That's ...
by JamesSFO
Thu Oct 11, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 5994

Re: Anyone done a Hair Transplant?

I can spot a transplant almost as far away as a comb over. You wouldn't be fooling anyone. Just shave your head close or completely and leave people guessing. This should go without saying, but you wouldn't be aware of the ones you did not spot. I had one done and at my first haircut ~2 months late...
by JamesSFO
Wed Sep 26, 2018 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for Online Banking (Having Problems w/ USAA)
Replies: 13
Views: 963

Re: Suggestions for Online Banking (Having Problems w/ USAA)

$5K limit at USAA is somewhat newish to my recollection but a supervisor on phone can do more, I've done $50K multiple times for $0 just get hassle with supervisor
by JamesSFO
Thu Sep 20, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 40
Views: 3180

Re: HOA Donation in Remembrance of Deceased Owner

If nobody cares about someone spending the money, then why not ask everybody to contribute directly instead of forcing “contributions” by raiding the property maintenance funds? Perhaps the $1M budget will shrink by applying expense controls and policies; where there is sloppy spending in one case ...
by JamesSFO
Thu Sep 20, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 40
Views: 3180

Re: HOA Donation in Remembrance of Deceased Owner

We did it in our HOA when a long-term ~15+ year board member passed. ~250 home community with a $1M+/year budget and this was like a $100 expense. Strikes me as both (a) reasonable and (b) of such nominal value relative to the budget that who cares.
by JamesSFO
Tue Sep 18, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Employer/Plan Limit on 401K Contributions
Replies: 10
Views: 552

Re: Employer/Plan Limit on 401K Contributions

this happened to me last year.. although my employer does not set limits per pay period I was able to contribute only $14k, $4k was "refunded" to me after the discrimination test failed. Just to be clear, this sort of return is different from an outright limit. In your case, your employer ACTUALLY ...
by JamesSFO
Tue Sep 18, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America credit card “feature” (be careful with autopay)
Replies: 45
Views: 2874

Re: Bank of America credit card “feature” (be careful with autopay)

I've been burned by PenFed for this, I was switching primary banks so I paid my balance in full but didn't think to switch auto pay (yet) and it went from the old account and over-drew the account. USAA was nicer about refunding the fee then PenFed, I still kept them, but I think it is a sh*t custom...
by JamesSFO
Tue Sep 18, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Employer/Plan Limit on 401K Contributions
Replies: 10
Views: 552

Re: Employer/Plan Limit on 401K Contributions

Typical: Unsure Happens: Definitely I would say after your SO has been there a while gently raise the issue with HR and see if it is something that they can change in their plan documents. My guess is that very few employees care (e.g. most who are paid over the 25% threshold to get to 18.5K don't c...
by JamesSFO
Mon Sep 17, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Provding SSN for Estate Planning--Why?
Replies: 23
Views: 2085

Re: Provding SSN for Estate Planning--Why?

Crazy idea: ask the attorney.

Likely reasons:

1. It's just the form the attorney has been using

2. It ultimately is useful for recordkeeping purposes and/or putting together documents so asking now is easier

3. Etc.
by JamesSFO
Wed Sep 12, 2018 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Delay in 401k Contribution Posting, cause for concern?
Replies: 15
Views: 1467

Re: Delay in 401k Contribution Posting, cause for concern?

fantasytensai wrote:
Wed Sep 05, 2018 3:13 pm
My employer .... What would you do in this situation?
Just wondering (a) what you decided to do and (b) what was the outcome?
by JamesSFO
Tue Sep 11, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars
Replies: 53
Views: 4815

Re: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars

...But why would you then have minimums on mutual fund shares? I am genuinely curious WHY there are still minimums because Schwab and Fidelity can operate without them... All of us can only speculate. My guesses: 1) The ER's only cover the funds costs if each shareholder has a certain minimum. Thus...
by JamesSFO
Mon Sep 10, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7640

Re: Amazon Prime - Value?

Most stuff comes to me in 2 days or less. I would say 30%+ in 1 day at no fee, 60%+ two days, remaining <10% sometimes odd things happen
by JamesSFO
Fri Sep 07, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]
Replies: 57
Views: 4342

Re: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]

Here are the details; Vanguard wanted me out. I agreed to leave. I began the process with Fidelity. They transferred all the non-Vanguard mutual funds. None of my Vanguard non money market mutual funds were in my brokerage accounts. (Don't ask me why that's how Vanguard set them up.) I wanted to ch...
by JamesSFO
Fri Sep 07, 2018 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]
Replies: 57
Views: 4342

Re: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]

I live in the US; they haven't responded. Oner, your responses to questions are very brief and very uninformative. You won't get any help from this forum unless you are willing to share the details of your conflict with Vanguard. This is oner's pattern, there was an earlier thread where oner was an...
by JamesSFO
Fri Sep 07, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: [security] Log into dummy account on Windows/phone?
Replies: 6
Views: 515

Re: [security] Log into dummy account on Windows/phone?

1Password has a travel mode that works something like this - https://support.1password.com/travel-mode/
by JamesSFO
Wed Sep 05, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Delay in 401k Contribution Posting, cause for concern?
Replies: 15
Views: 1467

Re: Delay in 401k Contribution Posting, cause for concern?

Just as a thought how about asking someone in payroll gently if they know what's up? Separate ~5 days (not all that atypical) from what sounds like ~20 days for the 8/15 paystub and just ask what is going on with the 401K contribution(s). You might get a reasonable answer, e.g. wire transfer messed ...
by JamesSFO
Sun Sep 02, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Delay in deposits by empower for 401k?
Replies: 13
Views: 703

Re: Delay in deposits by empower for 401k?

Well within the regulations/guidelines. Keep in mind weekends do not "count" so Friday payroll means it took them 3 business days (Mon, Tues, Wed) to make the contributions. I've seen even at megacorps that it can take around that length.
by JamesSFO
Fri Aug 31, 2018 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA Question
Replies: 9
Views: 602

Re: Backdoor Roth IRA Question

One more question. So next year I can contribute $5500.10 ( contribute 100% of TIRA) to the Roth IRA and will need to pay taxes on the 10 cents. Is that correct? Thank you all for your help. You are CONVERTING (not contributing) to the Roth. And you can CONVERT it is all (and pay taxes accordingly)...
by JamesSFO
Wed Aug 29, 2018 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Yet another CP2000 for Roth IRA conversion thread
Replies: 43
Views: 5019

Re: Vanguard Backdoor Roth IRA = IRS Notice? 5498?

See the thread on other 2016 notices for correct back door roths it's a computer glitch at the IRS: viewtopic.php?f=2&t=247277
by JamesSFO
Thu Aug 23, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: First timer: ETF purchase from Vanguard Brokerage
Replies: 9
Views: 972

Re: First timer: ETF purchase from Vanguard Brokerage

Just a reminder that this is an older post and US settlements for stocks/ETFs are now T+2 (http://www.ust2.com/)
by JamesSFO
Wed Aug 15, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6252

Re: Terminating an employee with company car

An HR colleague of mine had to deal with this regularly, this was pre-Uber/Lyft days and she would drive them home. Nowadays, give them some money for Taxi/Uber/Lyft and they should be ok.
by JamesSFO
Wed Aug 08, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Non-profit Account with Fido or VG Possible?
Replies: 2
Views: 169

Re: Non-profit Account with Fido or VG Possible?

Our HOA recently set up an account with Vanguard for CD's and T-Bills
by JamesSFO
Sat Aug 04, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78531

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Touché, and still in a 401K there is a regular process for switching/adding/removing funds. So even if everyone on the committee wanted to add the zero fund it likely can only occur at certain intervals and with certain notices/blackouts (if they are swapping), etc. So it is basically inconceivable...
by JamesSFO
Sat Aug 04, 2018 12:39 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78531

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

My employer WAS Fidelity. I retired from Fidelity Investments last July. Touché, and still in a 401K there is a regular process for switching/adding/removing funds. So even if everyone on the committee wanted to add the zero fund it likely can only occur at certain intervals and with certain notice...
by JamesSFO
Sat Aug 04, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78531

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Fidelity does not control the offerings in a company's 401K plan. Sure they have influence but not control. Just because only retail brokerage accounts are covered now doesn't mean there won't be changes in the future. They control the offerings in my 401k plan; it's a Fidelity Investments 401k. Th...
by JamesSFO
Sat Aug 04, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Consolidating Financial Accounts
Replies: 4
Views: 634

Re: Consolidating Financial Accounts

USAA has Fido as their brokerage and with the new fee drops just buy the Fido funds at low (or zero) expense ratio.
by JamesSFO
Thu Aug 02, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 245
Views: 24053

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

Always a good XKCD, I'm not personally offended. Relatedly humor, tone, etc., don't come across well on the net. It is hard to know whether you are amused by this, actively annoyed, or even actively claiming you were tricked. Thus my "seriously" :sharebeer Not tricked. Just mildly annoyed at Vangua...
by JamesSFO
Thu Aug 02, 2018 9:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 245
Views: 24053

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

Seriously? Is there anything on Vanguard's pages that says it IS launched? In fact, you seem to be ingoring that Vanguard investor landing home page shows "Coming Soon" prominently. Your statement about the Commissions page ignores the "See what's coming" under the 1800 comission free ETFs as well....
by JamesSFO
Thu Aug 02, 2018 9:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 245
Views: 24053

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

Yes and no. Yes, I knew what I was doing. No, there is absolutely nothing anywhere in writing that says it isn't launched yet. The commissions page still says "In August" these will be free without any qualification whatsoever. Well, we are in August. Even CNBC was originally fooled into reporting ...
by JamesSFO
Thu Aug 02, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 245
Views: 24053

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

I sent a very polite message asking for a credit for the $2 and asking when the system would be updated to reflect the August commission-free ETFs promised on their website. Just over 24 hours and no response to my message. I'm not really surprised. I learned very quickly as a new customer a few ye...
by JamesSFO
Thu Aug 02, 2018 7:07 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78531

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

A few questions for the experts on how mutual funds work. Let's assume that a meaningful percentage of current investors in FSTVX (Fidelity total market index) put in orders this Friday (first day available) to sell FSTVX and buy FZROX (new Fidelity Zero ER total market index). Would this force the...
by JamesSFO
Wed Aug 01, 2018 6:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 245
Views: 24053

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

Daitokuji wrote:
Wed Aug 01, 2018 12:06 pm
The CNBC article says it's starting today but I tried to sell some ishares bond ETFs that I transferred to Vanguard from one of the robo funds and it's showing the standard $7 fee.
At least now the CNBC article does NOT say that, it says starting in August.
by JamesSFO
Wed Aug 01, 2018 6:17 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78531

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

What a change for investors, it will be interesting how Vanguard responds. I'm particularly pleased that even without having to sell my small Fido Total US/Total Intl positions they are dropping the ERs. 0.015 [edit] and 0.06 respectively now it seems.
by JamesSFO
Tue Jul 31, 2018 10:55 pm
Forum: Investing - Theory, News & General
Topic: Two solo 401K accounts - Trad and Roth at diff. firms
Replies: 9
Views: 558

Re: Two solo 401K accounts - Trad and Roth at diff. firms

jacoavlu wrote:
Tue Jul 31, 2018 10:26 pm
Probably fine...
Almost definitely not fine. You can transfer the funds (and plan), but you cannot just open a 2nd "account".
by JamesSFO
Mon Jul 30, 2018 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: 401k matching
Replies: 33
Views: 2437

Re: 401k matching

(1) 401K matching. Well let's explore two scenarios. A: I match 100% up to 3%; B I match 50% up to 6%. If most employees contribute only 4% of salary as the employer on which plan will I pay out more? Hint it's A. So most of these relate to controlling employer expenses for matching and perhaps nudg...
by JamesSFO
Fri Jul 27, 2018 9:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 245
Views: 24053

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

Fascinating shift then, and yes even though there is probably a Pareto/long tail distribution of ~80% of assets to a small number of ETFs, have a large menu of choices for $0 is appealing
by JamesSFO
Wed Jul 25, 2018 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolios (2 months in)
Replies: 27
Views: 2858

Re: Schwab Intelligent Portfolios (2 months in)

arf30 wrote:
Wed Jul 25, 2018 12:42 pm
You probably want to compare it to a 3 fund portfolio with similar asset allocation, not the S&P 500.
Yes, but I was going with what Schwab easily provides.