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Re: Total World Fund - Under appreciated?

What appeals to me about total world is the lack of need of checking the portfolio and rebalancing. This could also be achieved with using funds such as Balanced Index, Tax Managed Balnaced, a LifeStrategy fund and being content with their allocations. I feel like if I used one diversified fund, I'd...
by tj
Fri Oct 31, 2014 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total World Fund - Under appreciated?
Replies: 22
Views: 2261

Re: When Capital gains are paid out on a fund does the share

Thanks everyone for helping me understand. There are a couple of non index funds I like but this point drives me crazy about them. You can get big tax bill and nothing to show for it. Also they might no have capital gains for several years then have a huge gain one year causing you to have a big ta...
by tj
Fri Oct 31, 2014 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: When Capital gains are paid out on a fund does the share
Replies: 15
Views: 601

Re: Strategy of 6M trusts meeting tonight. Few Q's

That thought has occurred to me... For anyone who has worked with Rick - does his firm act as broker/agent? What brokerage do they use? I'd like some details. I certainly want a LOT more information before I make any additional moves. Have not worked with them, but they use Schwab. All info is here...
by tj
Fri Oct 31, 2014 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Strategy of 6M trusts meeting tonight. Few Q's
Replies: 22
Views: 1641

Re: What to do with 5M?

Well, yeah, because the vast majority of people don't have more than $17,500 (or even $5,500 in IRA) per year to invest. Thank you - this really helps a lot - obvious to the vast majority I'm sure but wasn't obvious to me! That does not mean you need to avoid Vanguard Total Bond fund, its just that...
by tj
Thu Oct 30, 2014 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 27
Views: 2727

Re: Should I buy a New Car?

denovo wrote:OP, I hope you are not taking your car to the dealership aka stealership for your repairs.


Where would you suggest taking it?
by tj
Thu Oct 30, 2014 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I buy a New Car?
Replies: 21
Views: 1370

Re: Vanguard Variable Annuity Costs

We are planning on doing this for our children with at least some money. The cost of the variable annuity structure adds some to the ER. Vanguard VA ER while higher than direct funds are still extremely good and much lower than most other regular funds. The realized cost could still be lower than t...
by tj
Thu Oct 30, 2014 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity Costs
Replies: 10
Views: 801

Re: Possible Relocation to San Francisco - Advice?

We enjoy our walkable neighborhood, but getting used to things like seeing homelessness and not driving would certainly be new!


I thought all major cities were like this! Is Dallas not? Perhaps I need to consider Dallas!? :)
by tj
Wed Oct 29, 2014 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Possible Relocation to San Francisco - Advice?
Replies: 23
Views: 1572

Re: What online banks do you like for savings or MMA?

If you are Veteran look at Navy Federal CU or PENFED CU. They pay next to nothing - might as well stick with Chase or something like that. I have used Alliant Credit Union for over four years. The web interface is a bit dated, but they have a decent interest rate and it actually increased recently.
by tj
Wed Oct 29, 2014 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: What online banks do you like for savings or MMA?
Replies: 44
Views: 2653

Re: Possible Relocation to San Francisco - Advice?

I thought you wanted to move to Chattanooga? I would never be happy in SF. Too crowded and too expensive. :)
by tj
Wed Oct 29, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Possible Relocation to San Francisco - Advice?
Replies: 23
Views: 1572

Re: I Strayed From The Path...Forgive Me.

I don't think all the companies pay loyal3 to be on the platform, not a chance.
by tj
Wed Oct 29, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Strayed From The Path...Forgive Me.
Replies: 34
Views: 5513

Re: Tax question

Streptococcus wrote:As an employed physician, I lead a team of nurses and mid-levels.
If I offer meals, christmas gifts and even monetary bonuses to my staff can I deduct those expenses for tax purposes even If I am just an employee like them?


No, but maybe you can request reimbursement from your employer?
by tj
Wed Oct 29, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question
Replies: 11
Views: 813

Re: What to do with 5M?

muni bonds are tax-exempt. I would assume this is better for your tax situation than total bond. OK I think I get it now - does most of the "default" investment advice concern accounts with special tax status like 401ks? Well, yeah, because the vast majority of people don't have more than...
by tj
Tue Oct 28, 2014 11:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 27
Views: 2727

Re: What to do with 5M?

muni bonds are tax-exempt. I would assume this is better for your tax situation than total bond.
by tj
Tue Oct 28, 2014 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 27
Views: 2727

Re: Family Car Insurance Review Requested

The broker has to make money. Buy from companies that don't have to pay middlemen.

I am getting a lot more coverage on a much newer car for a lot less $$. You are signifcantly overpaying.

Image
by tj
Tue Oct 28, 2014 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Car Insurance Review Requested
Replies: 20
Views: 986

Re: Should I use 50k Delta miles for a $600 flight?

Well, one way to manufacture spend is to charge your taxes. I recently got a card that gives 50,000 mile after spending $3000 in 3 months. I don't spend anywhere near that, so I had a $1500 property tax bill and paid $1500 in estimated taxes. The fees were roughly 2%, so I feel like I spent $60 for ...
by tj
Tue Oct 28, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 4377

Re: Do I need life insurance?

It doesn't sound like you need life insurance now. You might need it later. You might be uninsurable later. It's hard to quantify all of that. However, some people in this thread (and possibly you and your father) seem to be misunderstanding something. Buying insurance now instead of later isn't ch...
by tj
Tue Oct 28, 2014 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need life insurance?
Replies: 21
Views: 1312

Re: I Strayed From The Path...Forgive Me.

Loyal 3 was good for manufactured spending, but I haven't touched it since. I guess if you knew that you wanted to invest in one/some of the stocks they offer, it would be the most fee-efficient way to do it, though you don't get real time pricing.
by tj
Tue Oct 28, 2014 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Strayed From The Path...Forgive Me.
Replies: 34
Views: 5513

Re: Do I need life insurance?

The risk is that when you have a dependent, you might develop a condition that does not give you the best rates at that time. I took a policy out at 29, I'm assuming that I'm going to get married and have dependents. If I don't, then I can just cancel it when I'm reasonably sure that I'll remain sin...
by tj
Tue Oct 28, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need life insurance?
Replies: 21
Views: 1312

Re: 1.99% Unsecured "AnythingLoan" READ UPDATE 9-10-14

creditkarma would only show Transunion inquiries. I highly doubt that this company does not pull your credit.
by tj
Tue Oct 28, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1.99% Unsecured "AnythingLoan" READ UPDATE 9-10-14
Replies: 56
Views: 8518

Re: Life Insurance

I suspect that the commissions are not going to be that far off from each other on term policies. I suspect that they receive some sort of percentage of some number, and a good agent will give you the cost of each one they show up your health info to. Thus, I think you are a bit paranoid. It's not a...
by tj
Mon Oct 27, 2014 11:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 15
Views: 1006

Re: Should I use 50k Delta miles for a $600 flight?

I just used 40,000 American miles to book round trip to Europe next month. Paying would have cost over $1,000 easily.
by tj
Sun Oct 26, 2014 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 4377

Re: How often do you change your car's oil?

when the oil light comes, that doesnt mean it's time to change the oil. It means it's time to change cars. Honda Civics have a light that pops up when oil life is 15%. How it determines that, I don't know. Oil change is also indicated from other service lights (a1, b1, etc), but sometimes the oil i...
by tj
Sun Oct 26, 2014 9:37 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6247

Re: How often do you change your car's oil?

When the oil light comes on.
by tj
Sun Oct 26, 2014 7:10 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6247

Re: Renting vs owning

Why not buy a townhouse? I mean, if it's financially beneficial Without knowing the current price and rent of the townhouse in question how on earth can you know that? It could be financially detrimental just as easily as it can be beneficial. I don't. I was referring to the quoted poster's own wor...
by tj
Fri Oct 24, 2014 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting vs owning
Replies: 16
Views: 1691

Re: Renting vs owning

I am renting by choice. I love it. In my area it's cheaper to buy but I don't care. I am a single guy and renting is perfect for my lifestyle. I have owned 2 houses over my lifetime and it would take a lot for me to jump into another. Right now I have no worries about lawn maintenance, home repair,...
by tj
Thu Oct 23, 2014 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting vs owning
Replies: 16
Views: 1691

Re: Plan of attack for Tax Lost Harvesting VTIAX and VTSAX

I tax loss harvest between VTIAX/VFWAX and VTSAX/VLCAX. I did this trade last week and will save a lot of money on taxes because of it. I believe in keeping it simple, but if you are going to do this, you should be comfortable holding all 4 funds permanently. Selling back to the total market funds ...
by tj
Thu Oct 23, 2014 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Plan of attack for Tax Lost Harvesting VTIAX and VTSAX
Replies: 21
Views: 1323

Re: Why include International Index in AA?

This is probably the most compelling argument I have heard in favor of International Index investing. The last time I checked, VTSMX had 3780 different holdings. Saying that I need another fund just for diversification is nonsense. However, if the current assets in this index are heavy in certain s...
by tj
Wed Oct 22, 2014 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: Why include International Index in AA?
Replies: 39
Views: 2772

Re: Why include International Index in AA?

If Samsung skyrockets, what good does it do you for that Apple sells Iphones in Asia?
by tj
Wed Oct 22, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Why include International Index in AA?
Replies: 39
Views: 2772

Re: Controlled Group

To be a controlled group, you must have at least 80% of common ownership and 50% effective ownership. Since you own 100% of one company and 51% of the other, it doesn't appear there is a controlled group relationship. Who owns the other 49% of the other company? This could have an impact if certain...
by tj
Thu Oct 16, 2014 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Controlled Group
Replies: 8
Views: 626

Re: $72k in 3 fund or a $72k 2 bed/1 bath condo rented

Ehh I don't know why owning real estate necessitates that you be a landlord. I have a manaagement company deal wtih it, I just collect $$$ and spend $$$...I still see my friends and family.
by tj
Thu Oct 16, 2014 2:54 am
 
Forum: Investing - Help with Personal Investments
Topic: $72k in 3 fund or a $72k 2 bed/1 bath condo rented
Replies: 21
Views: 1491

Re: Best town I've never heard of [for relocating]

Why mess with the cold. Check out Apex, NC or Cary, NC. Smaller towns just 20 minutes from 3 major universities (UNC Chapel Hill, Duke, NC State). Cost of living is reasonable. Great weather. Tons of jobs. Some of the best medical care in the country. Almost crime free. What else do you need? I am ...
by tj
Wed Oct 15, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9798

Re: $72k in 3 fund or a $72k 2 bed/1 bath condo rented

If your noet worth is 1.4 mil and you are talking about investing $72k, 5 percent or your NW, I'm not sure that it makes much of a difference.
by tj
Wed Oct 15, 2014 5:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: $72k in 3 fund or a $72k 2 bed/1 bath condo rented
Replies: 21
Views: 1491

Re: Is semi-retirement a bad idea?

I think it's somewhat ironic how the bigger the nest egg can lead to being more conservative financially. At least that seems like a trend on here and also my personal experience -- I'd quit jobs and move wherever in my 20's with no job and only a couple grand to my name. If it doesn't work out the...
by tj
Sun Oct 12, 2014 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is semi-retirement a bad idea?
Replies: 106
Views: 7209

Re: How Close AMEX SPG without hurting credit score

You don't have to close anything. Just convert your SPG to the Everyday card.
by tj
Sun Oct 12, 2014 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Close AMEX SPG without hurting credit score
Replies: 11
Views: 1083

Re: Possible Uninsured Motorist accident - UPDATE

That's incorrect. I'm in California, and the license plate does stay with the vehicle. Otherwise, I would have had to get a new plate when I got my car. See http://www.dmv.org/ca-california/plate-surrender.php for more info. I believe Jack was informing you California people that it is different th...
by tj
Sun Oct 12, 2014 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3470

Re: Is semi-retirement a bad idea?

One concern would be how many other kids would there be in these LCOL retirement regions? Would it be easy for your kids to make friends? I live in a comparatively LCOL area, and it's often listed as one of the best places in the country to raise kids. The OP is talking about reducing his salary to...
by tj
Sun Oct 12, 2014 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is semi-retirement a bad idea?
Replies: 106
Views: 7209

Re: Is semi-retirement a bad idea?

One concern would be how many other kids would there be in these LCOL retirement regions? Would it be easy for your kids to make friends?
by tj
Sun Oct 12, 2014 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is semi-retirement a bad idea?
Replies: 106
Views: 7209

Re: New tires, where to buy

I used Just Tires. I have a Honda Civic, and got Kelly Chargers. I feel like it was between $300 and $400, which seemed not bad.
by tj
Fri Oct 10, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: New tires, where to buy
Replies: 36
Views: 2619

Re: Deductable Investment fees

investment expenses have already been deducted from your increase in capital when you sell. I don't really understand the question.
by tj
Wed Oct 08, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deductible Investment fees
Replies: 9
Views: 501

Re: Cash-Back Credit Cards

Fidelity has a 2% cash back Visa as well, if you would rather have a Visa than an Amex. The only difference is that Fidelity only gives 1.5% back on the first $15,000 of purchases on the Visa (vs. 2.0% back on the first $15,000 of purchases on the Amex). Both cards give 2.0% cash back on amounts ab...
by tj
Wed Oct 08, 2014 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash-Back Credit Cards
Replies: 20
Views: 1728

Re: Cash-Back Credit Cards

Navy Federal has a 1.5% cashback on everything card. It's a visa.
by tj
Wed Oct 08, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash-Back Credit Cards
Replies: 20
Views: 1728

Re: Moving, Scaling Back, or both?

I supposed it depends on how much you have saved up for a "rainy day". At your income levels, you can probably live on a lot less, maybe rent is higher somewhere more desirable, but if you, for example, currently eat out frequently, you might need to cook your own food more often in a high...
by tj
Wed Oct 08, 2014 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving, Scaling Back, or both?
Replies: 14
Views: 1292

Re: Cash-Back Credit Cards

Thanks for the reply. I'm not in US Bank's service area (300 miles away). I called the closest branch and spoke with a CSR regarding the Cash + card. She will take an application for it over the phone. In the time you have held the card, have you seen the benefits of the card decline? At one time t...
by tj
Wed Oct 08, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash-Back Credit Cards
Replies: 20
Views: 1728

Re: Cash-Back Credit Cards

Does anyone out there have the US Bank Cash+ Visa? Are you happy with it? I was thinking of applying for this card, but will not if US Bank will be cutting benefits. I've read the number of 5% categories has been reduced and they changed the application process to require a branch visit. I was also...
by tj
Wed Oct 08, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash-Back Credit Cards
Replies: 20
Views: 1728

Re: POLL: Would you rather work half as long or half as ofte

I guess I always assumed most people would prefer to work as little as possible, but I guess I'm attributing my own values to the general population. When I expressed this thought to my father, "who actually WANTS to work?", he kind of went off about how I am spoiled and he didn't raise m...
by tj
Fri Sep 26, 2014 10:15 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Would you rather work half as long or half as often?
Replies: 68
Views: 4155

Re: POLL: Would you rather work half as long or half as ofte

If you could actually work half time your entire life - especially 6 months on and 6 months off - that would be hugely advantageous. I'm not sure why you'd ever want or need to retire if that was the setup. Many folks approaching retirement age want to either keep working or work part time anyway; ...
by tj
Thu Sep 25, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Would you rather work half as long or half as often?
Replies: 68
Views: 4155

Re: We have a grocery problem... [Household budget]

I don't know whether to be thankful that we live in an area with an awesome grocer or take with a grain of salt what the OP is saying. Our monthly food costs are $200-$300 (family of 3) and I am a 210lbs. competitive athlete who needs 3k+ kcals a day to simply maintain my weight. We literally never...
by tj
Mon Sep 22, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10925

Re: We have a grocery problem... [Household budget]

Have you considered a cooked meal home delivery service?

Such as

www.plated.com
http://www.dinein2nite.com


With your current expenses, you might save $
by tj
Mon Sep 22, 2014 6:15 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10925

Re: First Time Home Buyer dilemma in SoCal

Are you prepared to live in the "less desirable part of town" for a prolonged period of time if crap hits the fan?

if not, then I would not do it.
by tj
Mon Sep 22, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer dilemma in SoCal
Replies: 38
Views: 3440
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