Search found 2994 matches

by JamesSFO
Thu Apr 19, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: How good are Vanguard bond funds?
Replies: 52
Views: 4582

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: 6511

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: 22
Views: 3921

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: 656

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: 3480

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: 3480

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: 881

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: 3940

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: 335

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: 335

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: 495

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: 3040

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: 2604

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: 2111

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: 5
Views: 504

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: 5
Views: 504

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: 3040

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: 3040

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: 3040

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: 731

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: 912

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: 2797

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: 658

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: 658

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: 9
Views: 912

Re: San Mateo Mid Peninsula, California Chapter Interest?

Ditto, Redwood City here and same issue with San Jose chapter.
by JamesSFO
Wed Mar 21, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Co-mingled IRA > Roth
Replies: 5
Views: 316

Re: Co-mingled IRA > Roth

MN Finance wrote:
Wed Mar 21, 2018 4:28 pm
PS - I would also want to move the money back out of the 401k as soon as possible to the IRA, so I'm concerned how that would look on the 8606 which just asks for the 12/31 balance.
Well "as quick" as possible would have to be after 12/31/2018 if you do your Roth Conversion in 2018....
by JamesSFO
Tue Mar 20, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 56
Views: 3697

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

Relatedly, has anyone gotten any followup? I submitted my claim and don't believe I've received any indication of what will happen next. I received a bunch of packaging material and a prepaid shipping label to mail the old battery back yesterday, but have heard nothing from Amazon about a replaceme...
by JamesSFO
Mon Mar 19, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity IT Issues and Poor Customer Service.
Replies: 9
Views: 1180

Re: Fidelity IT Issues and Poor Customer Service.

Btw, got a quick answer during Eastern business hours today after a really long hold time. As an aside they cannot explain the computer glitches I'm seeing.
by JamesSFO
Mon Mar 19, 2018 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity IT Issues and Poor Customer Service.
Replies: 9
Views: 1180

Re: Fidelity IT Issues and Poor Customer Service.

Iliketoridemybike wrote:
Mon Mar 19, 2018 7:25 am
I always capture the information at the time of sale or donation. It’s all right there so I take a quick screen capture and tuck it away into my tax file.
Yes, in hindsight I should have screenshotted this.
by JamesSFO
Mon Mar 19, 2018 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity IT Issues and Poor Customer Service.
Replies: 9
Views: 1180

Re: Fidelity IT Issues and Poor Customer Service.

Something I learned from another poster yesterday--according to the IRS instructions for form 8283, you are not supposed to report cost basis for publicly-traded securities held for longer than 12 months. If that is the case with your donation, then your CPA may be asking for information he/she doe...
by JamesSFO
Sun Mar 18, 2018 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity IT Issues and Poor Customer Service.
Replies: 9
Views: 1180

Fidelity IT Issues and Poor Customer Service.

Since VG usually gets taken to the woodshed here, I thought I would share a story about a computer glitch and lack of support from Fidelity. I contributed some funds (ITOT ETF) I had at Fidelity to a Fidelity DAF in December. The Fidelity page no longer has cost basis information for ITOT and the Fi...
by JamesSFO
Sat Mar 17, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 56
Views: 3697

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

Relatedly, has anyone gotten any followup? I submitted my claim and don't believe I've received any indication of what will happen next.
by JamesSFO
Thu Mar 15, 2018 7:27 am
Forum: Investing - Theory, News & General
Topic: Mutual fund expense ratio confusion
Replies: 7
Views: 690

Re: Mutual fund expense ratio confusion

Not sure we have enough information to answer your question, but often 401Ks have different share classes of a fund than are on the market. So fund X might have share classes 1...6. Share class 1 might be the one sold generally to the public while share class 6 is used in your 401K. Now that doesn't...
by JamesSFO
Mon Mar 12, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and online passwords.
Replies: 31
Views: 1805

Re: Fidelity and online passwords.

I should also point out that you can't completely rule out that Fidelity just stores hash(password) and tries all 7^12 possible passwords when you use the phone. Probably in some intelligent order based on word recognition. In most cases it would only require a few hundred hashes, and depending on ...
by JamesSFO
Mon Mar 12, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and online passwords.
Replies: 31
Views: 1805

Re: Fidelity and online passwords.

I'm not a techie or security expert, but is there a mechanism that could theoretically "hack" a password by random or guessing over a phone line? Seems like after a few failed attempts it would bail out. I don't know if the phone line channel would work any differently. The issue for Fidelity or an...
by JamesSFO
Mon Mar 12, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and online passwords.
Replies: 31
Views: 1805

Re: Fidelity and online passwords.

To make it a simpler conversation, here is my understanding to how option 3 would work: During sign up on Fidelity for the first time. I get to enter a password. The web client sends two values to the server. hash(password) hash(convertToNumbers(password)) The server stores the two hashes, uses the...
by JamesSFO
Mon Mar 12, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: HSA custodian - Further
Replies: 3
Views: 381

Re: HSA custodian - Further

Happy to have helped!
by JamesSFO
Sun Mar 11, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and online passwords.
Replies: 31
Views: 1805

Re: Fidelity and online passwords.

Alchemist wrote:
Sun Mar 11, 2018 7:11 pm
You can also just set up Voice Print verification for phone access. It removes the need to type in a password via the phone.
Neat, did not know Fidelity offered this (like Vanguard does).

Info: https://www.fidelity.com/security/fidel ... e/overview
by JamesSFO
Sun Mar 11, 2018 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and online passwords.
Replies: 31
Views: 1805

Re: Fidelity and online passwords.

How about Option C? (E.g. Fido converts your entered passcode into the numeric string, salt and hash that and compare your phone entered code accordingly.) May not make you feel better but I don't think your assumptions about the options are exhaustive. Further the vast majority of passwords are li...
by JamesSFO
Sun Mar 11, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and online passwords.
Replies: 31
Views: 1805

Re: Fidelity and online passwords.

How about Option C? (E.g. Fido converts your entered passcode into the numeric string, salt and hash that and compare your phone entered code accordingly.) May not make you feel better but I don't think your assumptions about the options are exhaustive. Further the vast majority of passwords are lik...
by JamesSFO
Sat Mar 10, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: [Can someone not named in a trust see its contents?]
Replies: 26
Views: 1569

Re: are lawyers allowed to look into trusts?

This is going to be hard to answer without knowing a lot more about what state and the exact details of the trust involved. The short answer is generally a court CAN review the documents and issue orders. Perhaps worth getting your own lawyer hired for the trust to find out answers and be ready if t...
by JamesSFO
Fri Mar 09, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: HSA custodian - Further
Replies: 3
Views: 381

Re: HSA custodian - Further

They used to be selectaccount.com we use them for our small business. Lots of choices so hard to give you a 1-size fits all answer. We as the small business pay the annual fees and for ~$18/year all but $1K can be invested in a list of mutual funds through a brokerage window with Schwab.
by JamesSFO
Tue Mar 06, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: In general, when can future income be taken in lawsuit?
Replies: 4
Views: 810

Re: In general, when can future income be taken in lawsuit?

Whether and how future income streams can be attached is a complex, and highly state-specific area of law. I doubt there is a one size fits all answer.
by JamesSFO
Mon Mar 05, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Attorneys
Replies: 48
Views: 2618

Re: Advice on Attorneys

I don't think I need state-specific advice. I need advice on the competency of a lawyer who does not specialize in estate planning and asset protection relative to one who does. You likely do want state-specific advice. The way this is handled in Florida is very different from say Pennsylvania or C...
by JamesSFO
Mon Mar 05, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Attorneys
Replies: 48
Views: 2618

Re: Advice on Attorneys

I've always wondered, for MDs worred about malpractice, whether buying additional/extra/suffient malpractice insurance isn't the best asset protection there is. How often are there judgements in excess of insurance limits? How easy it is to buy insurance above what is typically provided by the empl...
by JamesSFO
Mon Mar 05, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Attorneys
Replies: 48
Views: 2618

Re: Advice on Attorneys

You might share your state of residence? Some of what you are describing sounds similar to the rules in Florida and so someone here might be able to give you general, yet state-specific advice. If your main concern is protection against say medical malpractice claims, you definitely will want to wor...
by JamesSFO
Sat Mar 03, 2018 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Flagship Select Services
Replies: 17
Views: 2622

Re: Vanguard Flagship Select Services

FYI: Vanguard Trust Services does utilize VPAS, it’s a requirement. In addition to the fee structure of PAS, there’s an additional 0.2% for the Trust administration. Trusts must be >= 500K. You cannot hire VG, to solely distribute funds from a revocable Trust. Sachachtw - surprised by what you are ...
by JamesSFO
Sat Mar 03, 2018 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Flagship Select Services
Replies: 17
Views: 2622

Re: Vanguard Flagship Select Services

Flagship rep is 100% free, they just want to know your needs. My rep changed recently and the new rep reached out and we had a 10 min nice call. No pressure for anything just who he is and what he does, etc.

Give it a shot, worst that happens is they suggest the PAS service.
by JamesSFO
Fri Mar 02, 2018 12:08 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 8158

Re: Fewer acronyms please

Thanks to suggestion by goblue100 here , abbreviations and acronyms are now in the forum's FAQ. The FAQ is at the top-left menu of the forum page (including mobile devices). The new entry "Abbreviations and Acronyms" is at the top of the list. Any chance of adding "LMP" (liability matching portfoli...
by JamesSFO
Fri Mar 02, 2018 8:34 am
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 8158

Re: Fewer acronyms please

Thanks to suggestion by goblue100 here , abbreviations and acronyms are now in the forum's FAQ. The FAQ is at the top-left menu of the forum page (including mobile devices). The new entry "Abbreviations and Acronyms" is at the top of the list. Any chance of adding "LMP" (liability matching portfoli...