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Re: Bond fund in taxable moved to tax exempt?

Dale_G wrote:It makes sense only if you are in the 25% or higher federal tax bracket.

Dale


Wouldn't it also depend on what state you are in?
by tj
Mon Jan 26, 2015 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond fund in taxable moved to tax exempt?
Replies: 5
Views: 515

Re: Flagship financial planner advice?

SpringMan wrote:PAS is new so it is not clear exactly the level of service provided.
https://investor.vanguard.com/advice/personal-advisor
I don't know if it is worth it or not at. The jury is still out.



Fair enough. I would agree that it would seem a bit early to assess.
by tj
Mon Jan 26, 2015 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 53
Views: 4852

Re: Flagship financial planner advice?

"Again, balanced funds can do all the rebalancing for the cost of the fund ER." and for example, Fidelity Balanced, FBALX, has an ER of .6%. What kind of a straw man is this? .6%? I thought on the BH board this would go without saying but evidently not - a low cost, indexed balanced fund....
by tj
Mon Jan 26, 2015 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 53
Views: 4852

Re: Flagship financial planner advice?

I agree with SpringMan....0.3% is not a ridiculous fee to pay for financial advise; it is less than 95% of people in the US pay and the advise is trustworthy. And.....if you pass before the significant other who doesn't want to learn financial planning they can call "The Vanguard Man" and...
by tj
Mon Jan 26, 2015 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 53
Views: 4852

Re: GAA ETF - a Global Asset Allocation

Where are they making their money with this fund? With 0% managment fee, it seems like the only place they get paid is from the fund fees on their etfs (i.e. the .69% on GVAL,...) which doesn't seem worth it. I would have a bit of fear that long term the number of Cambria funds would creep up. As f...
by tj
Sun Jan 25, 2015 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: GAA ETF - a Global Asset Allocation
Replies: 17
Views: 1273

Re: Marotta's Gone-Fishing Portfolio

msi wrote:This is an expensive, past-looking portfolio.


You're right - I checked and in 2011, they were using VXUS in their portfolio, so the shift to Canada, Australia, Switzerland, Hong Kong and Singapore seems to be a somewhat recent change.
by tj
Sat Jan 24, 2015 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: Marotta's Gone-Fishing Portfolio
Replies: 12
Views: 1433

Re: Flagship financial planner advice?

I met with VG financial planner and here's what he recommends: 60% stocks (30% US Large cap, 13% US Small cap, 17% international) 40% bonds (30% US short and intermediate, 5% international, 5% US long term) All VG funds and recommended the rebalancing management plan with them with a 0.3% fee. I am...
by tj
Sat Jan 24, 2015 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 53
Views: 4852

Re: Mariotta's Gone-Fishing Portfolio

I'm struggling with why you'd want to avoid Euro currency countries (along with some non-Euro countries like the UK) and Japan? There are high quality companies in those two areas and some of the largest export nations in the world. Why would you not want exposure to those businesses? Perhaps you w...
by tj
Sat Jan 24, 2015 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: Marotta's Gone-Fishing Portfolio
Replies: 12
Views: 1433

Re: Mariotta's Gone-Fishing Portfolio

13 funds is considered simplicity? Glad I wasn't the only one thinking that reading fund after fund... < 5% allocations are most likely a waste of time. Well, my question was more in regards to concentrating your international investments into these specific countries vs the broad index by avoiding...
by tj
Sat Jan 24, 2015 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: Marotta's Gone-Fishing Portfolio
Replies: 12
Views: 1433

Re: Is it worth it to buy a condo vs a house.

I think you should go for it. In most parts of the country it's cheaper to own than to rent currently, and rates are back down to all time lows. I just locked in today to refinance my townhome at 3.75% fixed for 30 years - with a large closing cost credit. Even if it costs a bit more to own, you'll...
by tj
Sat Jan 24, 2015 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Is it worth it to buy a condo vs a house.
Replies: 25
Views: 2511

Marotta's Gone-Fishing Portfolio

I have not seen this profile promoted anywhere else and suspect this may just be their way of trying to make themselves stand out and attract money to manage. The surprising thing to me is that they are putting all of their developed markets foreign allocation into just five countries: Australia, Si...
by tj
Sat Jan 24, 2015 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: Marotta's Gone-Fishing Portfolio
Replies: 12
Views: 1433

Re: Buying life insurance online

I used www.terminsurancebrokers.com for term life & disability. Very easy to work with.
by tj
Fri Jan 23, 2015 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying life insurance online
Replies: 21
Views: 716

Re: Reporter doing story on pitfalls of doing one's own taxe

I have been doing our personal taxes all of my life, and I am almost 70 years old. I also prepare trust tax returns for various family trusts. In 1982, I had to deal with the first family trust, so we had the family lawyer prepare form 1041 that year. I found numerous clerical errors in the return ...
by tj
Fri Jan 23, 2015 10:41 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on pitfalls of doing one's own taxes
Replies: 40
Views: 4646

Re: GAA ETF - a Global Asset Allocation

Here are the holdings. It seems needlessly complicated.

http://www.cambriafunds.com/gaa/full-holdings.aspx
by tj
Fri Jan 23, 2015 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: GAA ETF - a Global Asset Allocation
Replies: 17
Views: 1273

Re: Do you bring lunch to work or buy?

I currently bring lunch to work everyday (broke college student). I dislike that very much. As soon as I start working full time this summer I will either buy lunch everyday or use a full meal delivery service. I am well aware of the cost/savings that decision will cost me over the long term. Howev...
by tj
Tue Jan 20, 2015 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Do you bring lunch to work or buy?
Replies: 122
Views: 12790

Re: Do you bring lunch to work or buy?

I currently bring lunch to work everyday (broke college student). I dislike that very much. As soon as I start working full time this summer I will either buy lunch everyday or use a full meal delivery service. I am well aware of the cost/savings that decision will cost me over the long term. Howev...
by tj
Mon Jan 19, 2015 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Do you bring lunch to work or buy?
Replies: 122
Views: 12790

Re: Should I stop paying into my IUL policy?

The most money I was able to secure for a term was 700k, said the financial advisor I used. I wanted to be over a million just so that my wife and daughter would be ok if I were to pass away. I realize if I live to 64, we do have our 401ks and IRAs so we still have that. This sounds incredibly shad...
by tj
Sun Jan 18, 2015 11:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I stop paying into my IUL policy?
Replies: 7
Views: 597

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

I know when VT first came out, folks were hesitant to use it because of low volume vs VTI and VSUX and the bid/ask spread...is that still relevant?
by tj
Fri Jan 16, 2015 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 55
Views: 6666

Re: Reporter doing story on Turbo Tax Fracas

I'd love to see Vanguard in 2016 dump its relationship with TurboTax and switch its alliance to a more transparent provider of tax software. Vanguard, with its unique ownership structure, is an ally of investors with interests aligned with investors. Intuit TurboTax, like most of the financial-serv...
by tj
Fri Jan 16, 2015 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Reporter doing story on Turbo Tax Fracas
Replies: 52
Views: 7074

Re: Amex Fidelity CC 2% Cash Back

Keep in mind that there is also the Quicksilver Visa (from Cap One I think), at 1.5%. A bit less than 2.0% of course, but not bad, and a Visa rather than an Amex. The reward can be applied as a statement/balance credit - pretty easy to do. (i.e. You go online, click a few things, then your $50 or w...
by tj
Fri Jan 16, 2015 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 5582

Re: When your spouse isn't quite as frugal as you

My spouse and I agreed on a set spending limit for the month which she loads onto a prepaid card. She can spend that on whatever she wants but when it's gone, it's gone. It's worked pretty well and she's fine with it too. This almost sounds like an "allowance" you'd give to a child. I mea...
by tj
Thu Jan 15, 2015 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8620

Re: When your spouse isn't quite as frugal as you

Good suggestions have been made for making the breakfast/coffee provision as easy as possible. The idea of stashing healthy snacks in his car is also pretty good. I'd also suggest you can put stuff in his coat pockets (only works in winter!) If you're up for it, you can make home-made snacks and be...
by tj
Wed Jan 14, 2015 11:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8620

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

Postby bulldog1 » Tue Jan 13, 2015 11:37 am Vanguard Total World Index is now at 55.3% US Equities. It keeps creeping up every few months. https://personal.vanguard.com/us/funds/ ... IntExt=INT This is my only holding in my taxable account. So simple. I clicked on your link and see US = 51.7% (not ...
by tj
Tue Jan 13, 2015 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 55
Views: 6666

Re: Why not just let cash be cash?

If you don't need it to spend, why wouldn't you invest it, whether in equities or fixed income?
by tj
Mon Jan 12, 2015 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why not just let cash be cash?
Replies: 27
Views: 2512

Re: Refining bond/equity formula in the expensive-bond era

Is there really that much of a difference between allocating 74/26 and 77/23?
by tj
Fri Jan 09, 2015 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: Refining bond/equity formula in the expensive-bond era
Replies: 17
Views: 1441

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

According to this article at Money Magazine ----> http://time.com/money/3659782/hr-block-giving-free-tax-software-to-disgruntled-turbotax-users/ You can get a free copy of “H&R Block Deluxe” tax prep software if you already bought TurboTax Basic or Deluxe for 2014. Send an email to SwitchToBlock...
by tj
Thu Jan 08, 2015 11:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 196
Views: 26987

Re: Buying Disney stock - ABC vs ESPN org chart

That's the part of the transfer I don't understand. Why doesn't ESPN get paid to produce content the way CBS collects from Time Warner? If it's the left arm transferring to the right arm of one company, it wouldn't matter, but if I were a minority shareholder in ESPN, I'd be wondering if my ownersh...
by tj
Thu Jan 08, 2015 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Buying Disney stock - ABC vs ESPN org chart
Replies: 15
Views: 1863

Re: Established Position After 9 year Absence

There's a different Fidelity international index fund that includes small caps, I don't recall the name and ticker.
by tj
Wed Jan 07, 2015 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Established Position After 9 year Absence
Replies: 8
Views: 1419

Re: Buying Disney stock - ABC vs ESPN org chart

That's the part of the transfer I don't understand. Why doesn't ESPN get paid to produce content the way CBS collects from Time Warner? If it's the left arm transferring to the right arm of one company, it wouldn't matter, but if I were a minority shareholder in ESPN, I'd be wondering if my ownersh...
by tj
Wed Jan 07, 2015 7:09 pm
 
Forum: Personal Consumer Issues
Topic: Buying Disney stock - ABC vs ESPN org chart
Replies: 15
Views: 1863

Re: SlingTV

The big news here is ESPN. Something I've heard again and again about folks reluctant to be cord cutters is not having access to their sports. So for those who feel forced into a $100 cable bill because of sports, they can now get ESPN networks and a few others for $20 month. Netflix for $8 and ove...
by tj
Wed Jan 07, 2015 7:00 pm
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3981

Re: SlingTV

$20 is certainly cheap enough. You're not going to get ESPN or TNT/TBS for $2/channel anywhere. I would assume the sports pack they reference would only include other ESPN channels at this point. Depending on what sports channels they add, this could seriously kill their satellite business in a gen...
by tj
Wed Jan 07, 2015 6:54 pm
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3981

Re: SlingTV

$20 is certainly cheap enough. You're not going to get ESPN or TNT/TBS for $2/channel anywhere. I would assume the sports pack they reference would only include other ESPN channels at this point. Depending on what sports channels they add, this could seriously kill their satellite business in a gene...
by tj
Tue Jan 06, 2015 10:03 pm
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3981

Re: Buying Disney stock - ABC vs ESPN org chart

ABC Sports is no longer actually thing. All sports programming on ABC is produced by ESPN. ESPN is paying ABC to air the current sports broadcasts.
by tj
Tue Jan 06, 2015 9:15 pm
 
Forum: Personal Consumer Issues
Topic: Buying Disney stock - ABC vs ESPN org chart
Replies: 15
Views: 1863

Re: Do you generally spend more when using credit cards?

I would not know because I have not spent without a credit card.
by tj
Tue Jan 06, 2015 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you generally spend more when using credit cards?
Replies: 71
Views: 2700

Re: Buying Disney stock - ABC vs ESPN org chart

And we care why? I like to fully understand the entities in which I invest, and I can't find the answer to this question. Seems odd for something so ubiquitously accepted (that ABC owns ESPN) by the general public. I've always heard that Disney owns 80% of ESPN, and Hearst owns 20%. I haven't heard...
by tj
Mon Jan 05, 2015 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Buying Disney stock - ABC vs ESPN org chart
Replies: 15
Views: 1863

Re: Buying Disney stock - ABC vs ESPN org chart

I'm not sure why this matters - regardless, Disney shareholders are either going to profit a lot or lose a lot depending on how long society at large chooses to subsidize sports fans. :)

I hold some (very little) fun money in FOX - which is subject to the same concerns.
by tj
Mon Jan 05, 2015 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Buying Disney stock - ABC vs ESPN org chart
Replies: 15
Views: 1863

Re: What do you drive, and why?

2011 Honda Civic. Why not?
by tj
Mon Jan 05, 2015 7:45 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 190
Views: 15698

Re: foreign tax credit

I have a question: I was under the impression that if a mutual fund holds other mutual funds, that it is not eligible for the foreign tax credit. This has bene the main reason that I personally do not use a one fund portfolio. This changed several years ago. However, Total International is no longe...
by tj
Sun Jan 04, 2015 8:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: foreign tax credit
Replies: 15
Views: 1353

Re: foreign tax credit

I have a question: I was under the impression that if a mutual fund holds other mutual funds, that it is not eligible for the foreign tax credit. This has bene the main reason that I personally do not use a one fund portfolio. When I was at Vanguard's website - I noticed that they show international...
by tj
Sun Jan 04, 2015 6:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: foreign tax credit
Replies: 15
Views: 1353

Re: To a novice, do you recommend TSM or 500 for indexing?

I would pick the Total Stock Market over the S&P 500 because I believe in the concept of wide diversification over narrow diversification. The Total Market holds over 3,300 stocks versus 500 for the S&P 500 Index. But there is absolutely nothing wrong with the S&P 500 Index as an invest...
by tj
Sun Jan 04, 2015 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: To a novice, do you recommend TSM or 500 for indexing?
Replies: 39
Views: 2249

Re: Poll: Esoteric fund choice / comparison S&P500 vs Large-

No, this is not a trick question, but it is esoteric. Votes are 2:1 in favor of VLCAX, so right now that's the decision. I'm not making the decision, you all are. I will, however, not buy all the necessary sharea all-at-once though. That might allow some later voters to change the story. :twisted: ...
by tj
Sat Jan 03, 2015 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Esoteric fund choice / comparison S&P500 vs Large-cap
Replies: 17
Views: 1233

Re: Do you usually order (not-free) beverage at restaurants?

It depends. If I'm traveling out of the country, I order soda, usually sprite, all the time because it is made with real sugar rather than high fructose corn syrup. Some people can't taste the difference, but it's night and day to me. I don't drink soda much in America except at Mexican restaurants ...
by tj
Sat Jan 03, 2015 11:23 am
 
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 7631

Re: Bogleheads 2015 Hedge Fund Contest

Name: Fizz Biz

Long:
KO
DPS
PEP
by tj
Thu Jan 01, 2015 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 112
Views: 9755

Re: Facebook is Outrageous

Here's what I hate about Facebook. This year, they created those holiday-slide-show things that say "It's been a great year! Thanks for being a part of it." I seem to have gotten one from everyone I know, and nobody I've talked to has remembered doing anything to create one. Facebook has ...
by tj
Tue Dec 30, 2014 10:48 am
 
Forum: Investing - Theory, News & General
Topic: Facebook is Outrageous
Replies: 78
Views: 9830

Re: Facebook is Outrageous

I'm younger than most people on Bogleheads as well, but I certainly don't see Facebook as some kind of slam dunk investment. i have no idea what Facebook will be doing 30 years from now. I'd personally rather invest in something like Clorox. It hasn't changed it's product in 100 years, it's still g...
by tj
Sun Dec 28, 2014 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: Facebook is Outrageous
Replies: 78
Views: 9830

Re: Facebook is Outrageous

I'm younger than most people on Bogleheads as well, but I certainly don't see Facebook as some kind of slam dunk investment. i have no idea what Facebook will be doing 30 years from now. I'd personally rather invest in something like Clorox. It hasn't changed it's product in 100 years, it's still go...
by tj
Sun Dec 28, 2014 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: Facebook is Outrageous
Replies: 78
Views: 9830

Re: Why a Boglehead doesn't invest in individual companies?

I found this to be an interesting blog entry: http://www.joshuakennon.com/investing-hershey-company-made-generations-investors-rich/ I wouldn't be opposed to individual stock investing if I had a lot of capital to play with and diversify and minimize the trading costs. I don't, so the trading costs ...
by tj
Sun Dec 28, 2014 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why a Boglehead doesn't invest in individual companies?
Replies: 142
Views: 15587

Re: Series EE Bonds

No state tax though, right?
by tj
Mon Dec 22, 2014 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Series EE Bonds
Replies: 12
Views: 1817

Re: What to do with 5M?

You could check out other companies for muni funds if you'd like for some of the bond holdings. USAA has a few.
by tj
Mon Dec 22, 2014 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 42
Views: 5653
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