Search found 54 matches

by akpk
Sat Oct 01, 2016 10:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard ETFs vs. Index Funds
Replies: 20
Views: 3859

Re: Vanguard ETFs vs. Index Funds

1. If i plan to make regular contributions (weekly/monthly) , I go with Index fund.
2. If i want to own vanguard index funds at brokerage account in other firms, i just buy etf's.
by akpk
Sun Aug 28, 2016 10:13 am
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 92
Views: 12112

Re: Fidelity competing harder w/Vanguard

You do not need to use Vanguard to be a Boglehead. Although I think many on this forum are still in the first stage of grief (denial) when confronted by reality. I think many Vanguard Bogleheads have a behavioral finance issue in that they let their emotional attachment to Vanguard influence their ...
by akpk
Thu Aug 25, 2016 10:43 pm
Forum: Investing - Theory, News & General
Topic: BSV for Emergency Funds?
Replies: 8
Views: 1619

Re: BSV for Emergency Funds?

if you want short term bonds to be government backed (treasuries), FSBAX/FSBIX is good option too:
https://fundresearch.fidelity.com/mutua ... =sq-NavBar
by akpk
Tue Aug 16, 2016 4:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 89
Views: 16088

Re: Vanguard upgrading to Brokerage account comes with some nuisances

In another thread someone mentioned long wait times with the new account upgrades. In response to that Since Vanguard does not answer the phone on the weekends, I suspect Monday is a big phone day for them. While I call them about once every 20 years years, I would think twice before calling them a...
by akpk
Mon Aug 15, 2016 10:00 pm
Forum: Investing - Theory, News & General
Topic: Fidelity In Service Withdrawl / In Service Distribution
Replies: 10
Views: 2240

Re: Fidelity In Service Withdrawl / In Service Distribution

csj403 wrote: Am I missing something?
Some fees is associated with such transactions. There is no free money imho
by akpk
Mon Aug 15, 2016 8:26 pm
Forum: Investing - Theory, News & General
Topic: "15 Investment Recommendations"
Replies: 8
Views: 1460

Re: "15 Investment Recommendations"

cfs wrote:Wrong place.

Shipmate akpk, IF you have a complain please send a personal message to the moderator.

Thanks for reading.
Thank you cfs ... no complains...found moderator's action little disturbing and hypocritical. I will shut up now or (s)he will ban me from this awesome forum :sharebeer
by akpk
Mon Aug 15, 2016 8:13 pm
Forum: Investing - Theory, News & General
Topic: "15 Investment Recommendations"
Replies: 8
Views: 1460

Re: "15 Investment Recommendations"

Moderator,
Why my post was locked? reason you give for locking doesn't make sense:

viewtopic.php?f=10&t=197558

Is criticizing vanguard's customer service not allowed?
by akpk
Mon Aug 15, 2016 8:05 pm
Forum: Investing - Theory, News & General
Topic: "15 Investment Recommendations"
Replies: 8
Views: 1460

Re: "15 Investment Recommendations"

Great Link Taylor - Thank you for sharing...i am grateful that you share all these good insights on this forum

Taylor Larimore wrote:Bogleheads:
There is no benefit, just additional risk, in owning individual stocks.
I disagree with this one though :)
by akpk
Mon Aug 15, 2016 7:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Customer Service Issues
Replies: 102
Views: 12808

Called Vanguard today and after 1/2 hour hold the service was terrible

[Thread merged into here, see below. --admin LadyGeek] Today i had to go through vanguard customer service experience. Last time i called them was about 9-10 years back if i remember it right. It was terrible experience today. Had to hold the telephone for about 28-29 minutes before some rep became...
by akpk
Mon Aug 15, 2016 11:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 89
Views: 16088

Re: Vanguard upgrading to Brokerage account comes with some nuisances

Instead of printing and mailing update bank designation - i deleted one bank account and re added it. verified the bank deposits by vanguard. It has been over a week and vanguard still says that "vanguard is verifying the bank".i have received two letters from vanguard that new bank has been added. ...
by akpk
Sat Aug 13, 2016 1:12 pm
Forum: Investing - Theory, News & General
Topic: Should most people use a one fund portfolio or robo?
Replies: 4
Views: 1156

Re: Should most people use a one fund portfolio or robo?

i have been checking out fidelity go service and it looks pretty good...but i am still not convinced that i need 6-7 funds... its not yet clear how often fidelity will automatically rebalance...
by akpk
Fri Aug 12, 2016 1:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 89
Views: 16088

Re: Vanguard upgrading to Brokerage account comes with some nuisances

surprised to read that so many other people have been having issues with vanguard customer service.....i haven't called them yet and will send them signed "updated bank designation" forms [what choice do i have :-) ] ....i am thinking i will switch my new contributions to fidelity funds with newly l...
by akpk
Sat Aug 06, 2016 8:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 89
Views: 16088

Re: Vanguard upgrading to Brokerage account comes with some nuisances

Yesterday, i saw an option on my vanguard mutual fund accounts to "upgrade" and consolidate everything in Brokerage account. Where on your account page did you see the notice or request? I haven't seen it but am wondering if I may have missed it. It was a link "upgrade" next to mutual fund account ...
by akpk
Sat Aug 06, 2016 5:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 89
Views: 16088

Re: Vanguard upgrading to Brokerage account comes with some nuisances

Vanguard customer service is only available on weekdays till 7pm pacific....will call them on monday...
by akpk
Sat Aug 06, 2016 2:13 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Go (Robo-Service) has launched nationwide
Replies: 25
Views: 6628

Re: Fidelity Go (Robo-Service) has launched nationwide

I have been researching the robo services. imho, fidelity go seems to be the best option so far. fidelity has been making really good moves lately (lowering fees on key funds and making them less than vanguard, etc). Plus vanguard customer service has been on decline lately.
by akpk
Sat Aug 06, 2016 2:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 89
Views: 16088

Vanguard upgrading to Brokerage account comes with some nuisances

Yesterday, i saw an option on my vanguard mutual fund accounts to "upgrade" and consolidate everything in Brokerage account. I decided why not and clicked the upgrade button. Consolidation completed in one business day. But then i see that all automatic transactions have been put on hold until i fil...
by akpk
Sat Aug 06, 2016 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Check required: ALLY Savings Account!
Replies: 12
Views: 2552

Re: Credit Check required: ALLY Savings Account!

Yes, never understood why Ally needs credit check for Savings account. that was primary reason i didn't go with them while opening the online savings account.
by akpk
Fri Jul 29, 2016 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used SoFi mortgage?
Replies: 1
Views: 537

Has anyone used SoFi mortgage?

Has anyone used SoFi mortgage? I would like to learn about their experience about PreApproval process. Their phone customer service seems to be very poor and website doesn't provide much insights. Thanks in advance.
by akpk
Fri Jul 29, 2016 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Card Autopayment - Interest Charges - PSA
Replies: 1
Views: 340

Re: Fidelity Card Autopayment - Interest Charges - PSA

I noticed that my online bill pay item for old fido amex card was cancelled. Good thing i noticed otherwise it would result in unnecessary late payment.
by akpk
Fri Jul 29, 2016 3:58 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Go (Robo-Service) has launched nationwide
Replies: 25
Views: 6628

Re: Fidelity Go (Robo-Service) has launched nationwide

i was looking at fidelity go faq's and see that overall fees will be .35% or less. Seems like better proposition compared to Wealthfront (.25+etf fees). Wealthfront looks compelling - they offer tax loss harvesting on daily basis. Can someone help me understand that is daily tax loss harvesting a go...
by akpk
Thu Jun 16, 2016 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3065
Views: 598934

Re: What's Your Credit Card Rewards Strategy?

And, I have frozen my credit reports at all three agencies. In applying for new credit, does anyone know if all three need to be opened up for access? A fee each time to open and then a fee again to close them up. 1.Generally, All need to be opened up. Most CC issuers will hit only one of them (Cap...
by akpk
Tue Jun 14, 2016 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Buying vs Leasing a Car
Replies: 27
Views: 2901

Re: Buying vs Leasing a Car

imho go with new SUV with 0% apr loan (toyota is pretty aggressive about offering interest free loans)
by akpk
Mon Mar 21, 2016 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 New Money Market Account, 1% on over 10k
Replies: 99
Views: 28120

Re: Capital One 360 New Money Market Account, 1% on over 10k

Is there a credit check while converting from "360 savings" to "360 Money Market"? Saw this terms and conditions: >>>>Consumer Reports: You agree that we may obtain a consumer/credit report in connection with your account. We may also request subsequent consumer/credit reports for all legitimate pur...
by akpk
Mon Jan 18, 2016 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Taxact breached as well - just saw an article in wsj
Replies: 35
Views: 5058

Re: Taxact breached as well - just saw an article in wsj

If you efile using IRS Free Fillable Forms, your tax info is still going through an intermediary private company's servers, but you do not know which one it is. Free Fillable Forms is a joint initiative of the "Free File Alliance" and your return is randomly assigned to a member of the alliance whe...
by akpk
Mon Jan 18, 2016 3:18 am
Forum: Personal Finance (Not Investing)
Topic: Online Bank recommendation
Replies: 50
Views: 7268

Re: Online Bank recommendation

Some online banks, Ally in particular, run a credit check before allowing you to open an account. I don't know if this might be an issue for your friend. I'd assume that payroll deposit should work with any account that has a routing and transit number, but I have no actual experience doing this wi...
by akpk
Mon Jan 18, 2016 3:12 am
Forum: Personal Finance (Not Investing)
Topic: Taxact breached as well - just saw an article in wsj
Replies: 35
Views: 5058

Re: Taxact breached as well - just saw an article in wsj

I have been exploring self filing this year. Probably will do paper filing or go with Irs fillable forms. When i read their user guide, they seem to be pretty comprehensive. https://www.irs.gov/uac/Free-File:-Do-Your-Federal-Taxes-for-Free Only issue is that my state (california) doesn't allow use o...
by akpk
Sun Jan 17, 2016 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Taxact breached as well - just saw an article in wsj
Replies: 35
Views: 5058

Taxact breached as well - just saw an article in wsj

Taxact breached as well - just saw an article in wsj.

http://www.wsj.com/articles/tax-prepara ... 1452898495

I filed with them first time last year. Turbotax hade their accounts hacked last year. I don't know who to trust anymore :(
by akpk
Sat Jan 09, 2016 2:16 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct no longer handles sale of stock
Replies: 18
Views: 2278

Re: TaxAct no longer handles sale of stock

I moved to taxact first time last year due to turbotax's insane deluxe product feature drop. Now Taxact seems to be trying to follow business practices of Turbotax. I think i will be moving back to Turbotax. taxact is costing $30 for plus edition...and turbotax is selling deluxe for $40 at Costco (+...
by akpk
Wed Sep 30, 2015 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Payment Tracker (Google Sheet - Email Reminders)
Replies: 22
Views: 3092

Re: Credit Card Payment Tracker (Google Sheet - Email Reminders)

I transpose a blotter of bills to pay with a sheet of spreadsheet functions This is what I track per row: Vendor Capital One Credit Card - <login> <password> Amount Due 3,412.42 Amount Paid Last Paid / checked 9/7 Days Ago 21 Paid from First Niagara Date Cleared by Vendor Due Date 10/11/2015 Due in...
by akpk
Mon Sep 28, 2015 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Payment Tracker (Google Sheet - Email Reminders)
Replies: 22
Views: 3092

Re: Credit Card Payment Tracker (Google Sheet - Email Reminders)

kaudrey wrote:My method - only have 2 credit cards; pretty easy to remember to pay.... :)
Used to be my way as well :happy - i think i got carried away in last few months and opened too many cards in past year :oops:
by akpk
Fri Sep 25, 2015 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Payment Tracker (Google Sheet - Email Reminders)
Replies: 22
Views: 3092

Re: Credit Card Payment Tracker (Google Sheet - Email Reminders)

I like the idea of autopay from checking account and have already set it up. This spreadsheet forces me to lookup statements and make sure that my checking account has sufficient funds for upcoming cc payment. But i am still have some fears about the autopay from checking account. Main fear is if th...
by akpk
Thu Sep 24, 2015 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Too many credit cards?
Replies: 46
Views: 5414

Re: Too many credit cards?

For Several years i had only 2 credit cards and was very happy. But then banks started coming with excellent rewards card and i decided to add some more to my wallet. I use only 2 actively and old ones are resting in drawer (i have put them for monthly payment to att, comcast, etc.). My other reason...
by akpk
Thu Sep 24, 2015 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Payment Tracker (Google Sheet - Email Reminders)
Replies: 22
Views: 3092

Credit Card Payment Tracker (Google Sheet - Email Reminders)

I was struggling to keep track of the due dates and payment information for credit cards and recently missed one payment by a week. There are several solutions like yodlee and mint.com available which will solve this tracking problem. But i don't trust giving all my credit cards account logins to si...
by akpk
Fri Apr 24, 2015 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Opening Online Savings Account with Credit Freeze
Replies: 10
Views: 4266

Re: Opening Online Savings Account with Credit Freeze

Thank you all for your inputs. I spoke with Barclays and they don't do credit check for opening online savings account. I was able to open an account without any issue with my credit reports frozen. For identity verification I was presented with some questions which like one which generally comes up...
by akpk
Thu Apr 23, 2015 8:45 am
Forum: Investing - Theory, News & General
Topic: Any of you folks pay mortgage with credit card?
Replies: 29
Views: 6202

Re: Any of you folks pay mortgage with credit card?

I load Serve with $1000 per month (max allowed) charged to my Fidelity Amex and use that to pay my part of my mortgage. This gets me $20 cashback on my Fidelity Amex. I get the remaining $168 mortgage payment using my debit card to load to Serve. Then I have Serve pay my Wells Fargo mortgage paymen...
by akpk
Wed Apr 22, 2015 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Opening Online Savings Account with Credit Freeze
Replies: 10
Views: 4266

Re: Opening Online Savings Account with Credit Freeze

@cricket49 - i started the process with Ally. They had online chat option and Rep confirmed that i will need to lift the freeze on three reports. She said it won't be hard inquiry.
@Rupert - I don't have Discover card, so that option is off the table.
by akpk
Wed Apr 22, 2015 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Opening Online Savings Account with Credit Freeze
Replies: 10
Views: 4266

Opening Online Savings Account with Credit Freeze

I am planning to open online savings account. I froze my credit reports with three bureaus some time back. Are there any banks which allow new account without lifting credit freeze. I spoke with Ally Bank Rep and she mentioned that they do soft pull and will need credit freeze lifted for all three b...
by akpk
Tue Feb 17, 2015 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Should I do a Security Freeze?
Replies: 4
Views: 927

Re: Should I do a Security Freeze?

I am considering placing a Security Freeze at the three credit bureaus; however, I have some concerns after reading information on Experian's website: It says that you may have problems if you try to make certain transactions. I am not concerned about my wanting to open new credit, insurance, or ut...
by akpk
Tue Feb 17, 2015 7:48 pm
Forum: Personal Consumer Issues
Topic: apple pay v. google wallet
Replies: 16
Views: 1730

Re: apple pay v. google wallet

. I'm always uneasy when my card leaves my sight, but I'd rather get my cash back bonus on dining than use cash. If the cards would move more quickly to Chip and Pin, the restaurants would be forced to get the portable card systems like they use in Europe. While I like the move toward systems like ...
by akpk
Tue Feb 17, 2015 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Credit File Freezes
Replies: 12
Views: 1574

Re: Experience with Credit File Freezes

Excellent, thanks. In this process, will they ask for credit card and charge it? In my case, yes, I had to enter my credit card information. But after submitting the screen specifically told me I already had a freeze on file and my credit card had not been charged. My monthly credit card statement ...
by akpk
Tue Feb 17, 2015 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Credit File Freezes
Replies: 12
Views: 1574

Re: Experience with Credit File Freezes

If you try to put a freeze on your account through each of the 3 websites, they'll notify you if it already exists. I had to do this with one of the credit bureaus when I wasn't sure the transaction completed. There seems to be a question of how to determine whether you have a credit freeze in plac...
by akpk
Mon Feb 16, 2015 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Credit File Freezes
Replies: 12
Views: 1574

Re: Experience with Credit File Freezes

Thanks for the heads up. I was wondering the same thing. How do we know for sure if file is frozen. Transunion did make me create an account and when i login it shows the status that file is frozen. I guess keeping an eye on credit score (through credit union , monitoring sites) may be not a bad ide...
by akpk
Mon Feb 16, 2015 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: turbo-tax and vanguard
Replies: 7
Views: 1340

Re: turbo-tax and vanguard

This year I used the online turbotax and compared it to online TaxAct. I got the exact same number. Turbotax would have been $39.99 (Federal premier online from Vanguard) and TaxAct was free (no state income tax in WA). I filed with TaxAct for free. TaxAct was able to grab alot of info from last ye...
by akpk
Mon Feb 16, 2015 6:44 pm
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 100
Views: 11846

Re: Health Insurer, Anthem, Hacked

Ironically, I had no problem with Equifax and TransUnion, but Experian said the process failed and has asked me to mail in a copy of my ID and a local bill. Maybe because this is I put a Identity Theft alert on my credit report from Experian's site last week? They "shared" the info with Equifax and...
by akpk
Mon Feb 16, 2015 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to security freeze your credit?
Replies: 25
Views: 3548

Re: How to security freeze your credit?

When I came to know that there is an option to freeze my credit (it wasn't advertised very well), this was how I saw it: [*] Credit Freeze: Lock the barn before the horse leaves, and unlock it when you want to take the horse for a walk. Very cheap. [*] Credit Monitoring: Setup a way to monitor the ...
by akpk
Mon Feb 16, 2015 6:03 pm
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 100
Views: 11846

Re: Health Insurer, Anthem, Hacked

After going through this and "security freeze" threads on bogleheads, i decided to freeze my reports as well. experian and equifax process went fine (i was concerned bit about equifax hearing feedback from other members. But it printed the pdf fine inside the web browser itself). For transunion, sit...
by akpk
Thu Jan 23, 2014 6:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 33477

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday Taylor! I really enjoy reading your insightful commentary. Thanks for all these wonderful posts!
by akpk
Thu Aug 22, 2013 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: AA-tracking tool?
Replies: 30
Views: 3196

Re: AA-tracking tool?

I recently built google docs tracking tool for myself with help of inputs from other boglehead members. All i need to do is provide the ticker and number of shares and it calculates the rest. If you scroll down it will show the chart with your allocation in real time. Feel free to save it in your go...
by akpk
Wed Aug 07, 2013 5:39 pm
Forum: Investing - Theory, News & General
Topic: Best online portfolio viewing site?
Replies: 48
Views: 9435

Re: Best online portfolio viewing site?

I looked into several options and was very uncomfortable sharing my login info with any aggregator websites ( Fidelity fullview uses services from third party named Yodlee.) I am excel novice but decided to look into building some simple portfolio spreadsheet. I found one excellent template from use...
by akpk
Wed May 15, 2013 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: VTI vs ITOT
Replies: 6
Views: 2991

Re: VTI vs ITOT

Thank you all. All very Good and helpful advice. Yesterday, i read a thread in this forum where some wise person made a suggestion that over the long period, interest you earn on funds adds more to your portfolio than the price increase. This had me thinking. With ETF's i think i will have to manual...