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Re: Bank of America/Merrill Edge - Preferred Rewards

you can specify setup the account to have dividends automatically transferred out to a checking or savings account of your choice. In fact, the dividends that Merrill Edge received last Friday are now already sitting in a high yield checking account. Wow, that's really nice. Maybe better than Vangu...
by tj
Sun Mar 01, 2015 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 41
Views: 3391

Re: Inheritance to be held in expensive trust for ~10 years

This article has the different tax rates for 2015 on people and trusts/estates: http://www.forbes.com/sites/kellyphillipserb/2014/10/30/irs-announces-2015-tax-brackets-standard-deduction-amounts-and-more/ Trusts start in the 15% tax bracket and hit the top tax bracket on income over $12,300. I'm su...
by tj
Sun Mar 01, 2015 12:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance to be held in expensive trust for ~10 years
Replies: 55
Views: 6405

Re: Converting a personal property to a rental property

I would suggest you read NOLO Every Landlords Tax Deduction Guide http://www.nolo.com/products/every-landlords-tax-deduction-guide-dell.html It is the lesser of the fair market value or your cost basis. My accountant made me dig up all receipts to prove my cost basis. She rightfully said the year I...
by tj
Sat Feb 28, 2015 11:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Converting a personal property to a rental property
Replies: 7
Views: 666

Re: Bank of America/Merrill Edge - Preferred Rewards

you can specify setup the account to have dividends automatically transferred out to a checking or savings account of your choice. In fact, the dividends that Merrill Edge received last Friday are now already sitting in a high yield checking account. Wow, that's really nice. Maybe better than Vangu...
by tj
Sat Feb 28, 2015 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 41
Views: 3391

Re: International increase in Target Retirement & LifeStrate

I wonder if the Institutional Target Date will replace the investors in the Nationwid 401ks. You have to assume plans who use Nationwide have a combined more than 100 million invested in vanguard target funds.
by tj
Sat Feb 28, 2015 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 121
Views: 8306

Re: International increase in Target Retirement & LifeStrate

I am not Warren Buffett, and I have not recommended the Vanguard S&P 500 index fund for my spouse should I perish. I have, instead, recommended one of the LifeStrategy funds. They have always offered a "one stop shop" for diversification in stocks and bonds, and this move does nothing...
by tj
Sat Feb 28, 2015 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 121
Views: 8306

Re: List of favorite accounts

I'll play. Bank Accounts: Consumers Credit Union - Rewards checking. Similar to LMCU, but they pay 3.09% on up to $20,000 with 12 debit transactions. If you have thier credit card and spend $1000/mo on it, they bump it to 5.09%, or if you do 12 credit card transactions it is 4.09%. I figured that by...
by tj
Tue Feb 24, 2015 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of favorite accounts
Replies: 30
Views: 3616

Re: What age do you guys plan to retire?

Depends on if I have kids or not and if I change careers or not.

At 29, it's way too early to tell.
by tj
Tue Feb 24, 2015 12:52 am
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8563

Re: How much did you have saved up for retirement at age 30?

I'll be 30 later this year. I'm at roughly ~100k in retirement and taxable investments + another $100k in real estate equity. I got lucky in that I bought RE in early 2010 after the real estate market crashed (w/ some parental help on the down payment) and I got lucky in that I started investing in ...
by tj
Tue Feb 24, 2015 12:49 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 169
Views: 11459

Re: Schwab Intelligent Portfolio Details

Consider me underwhelmed. I don't like the forced cash and bonds holdings. I'd rather use a couple Vanguard funds for bonds with a robo-advisor for stocks. Right now, the only way to do that seems to be with Betterment and they charge a fee. Wealthfront does not invest all your cash which I learned ...
by tj
Mon Feb 23, 2015 11:33 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio Details
Replies: 25
Views: 3144

Re: Index funds in a bear market?

The whole reason to choose the managed fund is they have the freedom to switch into treasuries if it makes sense. With the index, you would have to make that decision on your own to switch to another index. Standard & Poor's tracks managed funds vs. the fund's index. This is their finding: Bear...
by tj
Mon Feb 23, 2015 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 3536

Re: Whats the best Bank to have on the west coast?

All of the big banks are out here. Wells Fargo, Bank of America, Chase, Citibank, US Bank.

You see a lot of Union Banks in Southern California too.
by tj
Mon Feb 23, 2015 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whats the best Bank to have on the west coast?
Replies: 21
Views: 1259

Re: Vanguard Wellesley Income Fund a Buy?

QLTA If you are willing to accept somewhat lower quality, there is LQD and VCIT. Here's the thing about those funds -it's only corporate bonds. The whole reason to choose the managed fund is they have the freedom to switch into treasuries if it makes sense. Wit hthe index, you would have to make th...
by tj
Mon Feb 23, 2015 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 3536

Re: Vanguard Wellesley Income Fund a Buy?

It's a bit odd that the stock portion of Wellesley has the benchmark of the High Dividend index, but the stock portion of Wellington has the benchmark of the S&P 500. Some of the problems with Wellington and Wellesley may be the huge amount of assets. Mairs & Power Balanced, for instance, ha...
by tj
Mon Feb 23, 2015 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 3536

Re: Vanguard Wellesley Income Fund a Buy?

Barclays U.S. Credit A or Better Bond Index <---- What index fund follows that index?
by tj
Mon Feb 23, 2015 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 3536

Re: Only 2 Funds Needed - Wellington & Wellesley?

My wife and I are in our early 50s and have our funds allocated as follows: Emergency funds - I-Bonds IRAs - Wellington Admiral shares Savings - Wellesley Admiral shares. 401K - Fidelity index funds (Balanced 60/40) Should we be looking at any other funds other than Wellington and Wellesley? Having...
by tj
Sun Feb 22, 2015 9:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Only 2 Funds Needed - Wellington & Wellesley?
Replies: 7
Views: 1277

Re: Vanguard Wellesley Income Fund a Buy?

I think that Wellesley and Wellington will become my only 2 funds until I move my TSP in 6-9 years, but am certainly considering moving it into Wellesley as well (taxable acct) If you have the TSP, this is a good reason not to use Wellesley and Wellington, because the TSP G fund has lower risk than...
by tj
Sun Feb 22, 2015 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 3536

Re: Only 2 Funds Needed - Wellington & Wellesley?

Both great funds. Note that roughly 75-80% of the bonds in Wellington and Wellesley are investment grade. It has been said that investment grade bonds tend to behave more like equities during periods of equity market stress and therefore may not provide the same diversification as Treasuries. Inter...
by tj
Sun Feb 22, 2015 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Only 2 Funds Needed - Wellington & Wellesley?
Replies: 7
Views: 1277

Re: Thoughts on replacing tires?

I had a nail in mine, so I took it to Just Tires. Got Kelly Chargers, which were one of the cheaper models, and they seem to be just fine.
by tj
Sat Feb 21, 2015 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 3424

Re: JAGIX alternatives (FDFFX)?

I do own DODIX and FAGIX. Meanwhile I sold JAGIX due to its performance and low rating. Should I just by more DODIX? The Fidelities are slightly better rated on some sites. But they also don't have the same portfolio. DODIX has mostly treasuries. DODIX does NOT have mostly treasuries. From the most...
by tj
Fri Feb 20, 2015 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: JAGIX alternatives (FDFFX)?
Replies: 8
Views: 835

Re: Financial Advisor, worth it? - McAdam

If you fell compelled to hire an advisor, just hire one of the robo-advisors.
by tj
Fri Feb 20, 2015 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor, worth it? - McAdam
Replies: 26
Views: 1933

Re: Turbotax - verify how to add TIPS, Munis

Just to confirm, if one had $1000 of dividends from Vanguard's limited term tax-exempt fund, one would enter $1000 * (1 - .14.11% - 0.13% - 0.19% - 0.02%) = $855.5 (rounded to $856?) on line 20 of IT-201 ? I believe that is correct. No, because New York requires that 50% of the assets of a fund be ...
by tj
Thu Feb 19, 2015 10:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax - verify how to add TIPS, Munis
Replies: 15
Views: 1090

Re: Bogleheads 2015 Hedge Fund Contest

Looks like my Fizz Biz is chugging along. Should have invested some real $$$ in Dr Pepper Snapple. ;-)
by tj
Wed Feb 18, 2015 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 126
Views: 11391

Re: Pick Out My New TV For Me

The problem with going to bestBuy is I'd have to haul it home in my car. The nice thing about Amazon is they'll deliver it and take it out of the box and plug it in. I think bestBuy.com will do this as well, but I don't think if you go to the store that they'll deliver and hook it up for you for fr...
by tj
Tue Feb 17, 2015 9:12 am
 
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2109

Re: Pick Out My New TV For Me

In the past 18 months we have purchased 3 HD TVs ranging in size from 32 to 90 inches. As to which size to get, bigger is generally better. You have to get within 5 feet of our 90-inch Sharp TV to see the Pixels. We have a Sharp, Samsung and Sony TVs. My only recommendation is that you stay away fr...
by tj
Mon Feb 16, 2015 10:35 pm
 
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2109

Re: Expecting a big inheritance - Should it change my life?

Should it affect how much I save? Already, it has made me less eager to save. It's harder to get motivated. I am saving just enough in my 401K to get the full company match, but no more. The last few years, I've been taking much nicer vacations - Maui vs. New Jersey Shore(like I used to when younge...
by tj
Sun Feb 15, 2015 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 7897

Re: Expecting a big inheritance - Should it change my life?

Should it affect how much I save? Already, it has made me less eager to save. It's harder to get motivated. I am saving just enough in my 401K to get the full company match, but no more. The last few years, I've been taking much nicer vacations - Maui vs. New Jersey Shore(like I used to when younge...
by tj
Sun Feb 15, 2015 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 7897

Re: Expecting a big inheritance - Should it change my life?

I absolutely ignore the prospect of any inheritance and so should you. Never count any chickens until they are hatched. I have parents in 70's and stand to inherit an eight figure amount. They could live until they are 100 and hope they do. I don't adjust my asset allocation and save the same as if...
by tj
Sun Feb 15, 2015 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 7897

Re: Turbotax - verify how to add TIPS, Munis

⋅  Vanguard TIPS fund ... I then use the Vanguard table ... I see 99.95%. I multiply that amount by the amount of the dividends ... ⋅ ... if I live in NY and own the Limited term-tax exempt , I look at the Vanguard supplied table and see 13.88% of this fund is from NY. So, if I ...
by tj
Sun Feb 15, 2015 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax - verify how to add TIPS, Munis
Replies: 15
Views: 1090

Re: Turbotax - verify how to add TIPS, Munis

It has been pointed out to me that difference between the charts is assets vs income. The appropriate chart to use is income. Assets are important for some state laws; check with your state tax bureau. For example, some states tax all the income of a mutual fund unless at least half the assets are ...
by tj
Sun Feb 15, 2015 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax - verify how to add TIPS, Munis
Replies: 15
Views: 1090

Re: Merrill Edge free trades - is the service worth it?

It appears that there are also no fees for trading mutual funds at Merrill Edge. Admiral shares are not available though. I'm still showing Vanguard funds as "transaction fee" funds. $20/trade unless you do automatic investments where they will waive the transaction fee. Where are you see...
by tj
Sun Feb 15, 2015 10:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge free trades - is the service worth it?
Replies: 28
Views: 2541

Re: Merrill Edge free trades - is the service worth it?

It appears that there are also no fees for trading mutual funds at Merrill Edge. Admiral shares are not available though.
by tj
Sun Feb 15, 2015 2:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge free trades - is the service worth it?
Replies: 28
Views: 2541

Re: Vision and Dental Insurance Question

You can look into one of these dental plans which is available through various credit unions. You'd have to compare the cost of the "group negotiated rate" plus premium vs the rate that you can negotiate on your own.

http://www.benefitservices.com/default/
by tj
Sun Feb 15, 2015 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Vision and Dental Insurance Question
Replies: 28
Views: 1519

Re: Pick Out My New TV For Me

Wow, here's a 58" Sanyo for $500 - the picture is probably terrible though:

http://www.tigerdirect.com/applications ... _campaign=
by tj
Sat Feb 14, 2015 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2109

Pick Out My New TV For Me

I am in the market for a new TV. I have a small-ish Magnovox LCD that's probably like 15 years old and a Sony 42" LCD thats 5 years old. The TVs are fine, I just want something bigger. I don't care about "smart features", but most TVs these days seem to be Smart TVs. I'm a bit worried...
by tj
Fri Feb 13, 2015 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2109

Re: Fully Depreciated Rental Condo - Question

The IRS will not tell you over the phone how much depreciation was taken, and a tax transcript is not likely to show this information. You will probably need to request a copy of the actual tax return (including all forms schedules) for one or more years. The particular form needed is Form 4562. Th...
by tj
Tue Feb 10, 2015 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fully Depreciated Rental Condo - Question
Replies: 31
Views: 1476

Re: Ten Year Treasuries Up 1.68 to 1.95 This Week

1) Liquidity and rebalancing bonus: I've had great success selling appreciated Treasuries to buy stocks during a correction. This is only for rebalancing, so you can imagine it's not a huge percentage that I have earmarked for that, but still -- doing the same with CDs would have been unpleasant. T...
by tj
Sat Feb 07, 2015 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ten Year Treasuries Up 1.68 to 1.95 This Week
Replies: 24
Views: 1959

Re: Streaming alternatives to Netflix and Amazon?

Diish Network's new Sling TV? www.sling.com
by tj
Sat Feb 07, 2015 7:05 pm
 
Forum: Personal Consumer Issues
Topic: Streaming alternatives to Netflix and Amazon?
Replies: 5
Views: 640

Re: Canadian index fund

Peculiar_Investor wrote:Vanguard doesn't offer index mutual funds in Canada, they only offer Vanguard Canada ETFs.



iShares has a Canadian index ETF.
by tj
Fri Feb 06, 2015 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Canadian index fund
Replies: 6
Views: 631

Re: Turnover Ratio: Do fund manager follow buy-hold philosop

I'm surprised to see that the Diivdend Growth fund has 18% turnover, but then again, looking at the various other funds, I guess it's not that high comparatively speaking.
by tj
Thu Feb 05, 2015 8:31 pm
 
Forum: Investing - Theory, News & General
Topic: Turnover Ratio: Do fund manager follow buy-hold philosophy??
Replies: 12
Views: 2150

Re: Would you buy Total World index if it had Admiral Shares

Is there anyone know how to calculate the difference of return of 0.14% er? I think it is very small, probable $20 a year for $10,000. I think convenience is more important than the small difference. It's partly the principle of the issue, to me. But you're probably right. I get the whole world, wi...
by tj
Tue Feb 03, 2015 10:56 pm
 
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 68
Views: 8741

Re: Would you buy Total World index if it had Admiral Shares

My 401(k) does not have Total World, but it does have DFA Global Equity. It's clearly diversified with over 11,000 stocks, though obviously not allocated the same as Total World: http://us.dimensional.com/media/documents/downloads/pub/pdf/holdings/holdings_232.pdf I may consider this, though not sur...
by tj
Sun Feb 01, 2015 10:26 pm
 
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 68
Views: 8741

Re: Mango prepaid card - 4.8% (effective) APY

I received my 1099-INT forms for both Mango and UnionPlus. For some reason, the interest was reported in box 3. Has anyone else had this issue? It should be in box 1, like last year. Has anyone had success recently attempting to sign up for more than one card? I have been trying to get a second car...
by tj
Sat Jan 31, 2015 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 96
Views: 43098

Re: POLL: How Will You Complete Your 2014 Taxes?

TurboTax. I used to do FreeFillableForms, but i switched to TurboTax when my personal residence became rental property. I will never go back to FreeFillableForms with the time-saver of importing W2's and 1099's and avoiding all that data entry. I will switch from TurboTax to either TaxAct or H&R...
by tj
Sat Jan 31, 2015 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 69
Views: 4763

Re: 4 essential documents: Suze Orman

vas wrote:http://www.americanbar.org/groups/real_property_trust_estate/resources/estate_planning/diy_estate_planning.html

Some things are best left to professionals.


I fail to see how a guy neglecting to have witnesses sign necessitates the usage of high cost attorneys for basic documents.
by tj
Fri Jan 30, 2015 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: 4 essential documents: Suze Orman
Replies: 27
Views: 3603

Re: POLL: Prepay car loan (1.75%)

Absolutely no reason to pay off a dirt cheap rate such as this. I considered the same as you 2 years ago. instead, I just opened a BBVA Buld My savings account and earn 5%/year for the past 2 years, but I have a very good cash flow cushion. http://thefinancebuff.com/bbva-compass-build-my-savings-mat...
by tj
Fri Jan 30, 2015 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Prepay car loan (1.75%)
Replies: 29
Views: 1461

Re: Frugality regret: What thing do you regret not spending

Well, like some of these other folks I went to Venice and did NOT do a gondola. It was over $100 which was a lot for me then, plus it was SO TOURISTY. :annoyed I don't regret this. Walking around the non-tourist areas is magical. Venice is like Dr. Seuss realized. On the same topic: Every cheap too...
by tj
Fri Jan 30, 2015 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 133
Views: 21753

Re: Whom do you consider as your friends?

I don't see the need to categorize the people in my life in this way. I don't think somebody else can tell you that some group of people are not your friends if you think them to be.
by tj
Fri Jan 30, 2015 7:43 pm
 
Forum: Personal Consumer Issues
Topic: Whom do you consider as your friends?
Replies: 8
Views: 1047
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