Search found 1891 matches

by tj
Sun Sep 24, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 645
Views: 38933

Re: Equifax customer information leak

I received the ChexSystems pin on Friday and the Innovis pin yesterday. I froze them the day we all heard about the hooplah.

They're probably swamped with lots of requests. I wouldn't worry about it.
by tj
Sat Sep 23, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Online brokerage bonuses - ever get taken away?
Replies: 10
Views: 803

Re: Online brokerage bonuses - ever get taken away?

What brokerages have a period after the bonus awarded that you have to keep the assets at there firm? I thought once the bonus is awarded, you met the requirements and are free to do whatever you want. Is this not the case? TD Ameritrade and Scottrade both require funds to stay for a year. The T&C ...
by tj
Sat Sep 23, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Online brokerage bonuses - ever get taken away?
Replies: 10
Views: 803

Re: Online brokerage bonuses - ever get taken away?

Ive taken out early and no problem. But i did asset sales because i needes the cash. If you are transferring to a different brokeragr, it might trigger an auto claw back.
by tj
Wed Sep 20, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard PAS Seems Inflexable
Replies: 24
Views: 1770

Re: Vanguard PAS Seems Inflexable

Is there a balanced fund that would work for you? It's cheaper too. Balanced funds typically have too much international exposure for my taste. It's hard to imagine less fees than I am paying right now, which are a combined .08% if memory serves. BTW, I mentioned that I'm buy and hold. The exceptio...
by tj
Wed Sep 20, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard PAS Seems Inflexable
Replies: 24
Views: 1770

Re: Vanguard PAS Seems Inflexable

Is there a balanced fund that would work for you? It's cheaper too. Balanced funds typically have too much international exposure for my taste. It's hard to imagine less fees than I am paying right now, which are a combined .08% if memory serves. BTW, I mentioned that I'm buy and hold. The exceptio...
by tj
Wed Sep 20, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard PAS Seems Inflexable
Replies: 24
Views: 1770

Re: Vanguard PAS Seems Inflexable

...The advisor said they would rearrange the portfolio to have about 40% of stocks in international and 30% of bonds in international, with perhaps a "couple of actively managed funds". He said that once I decided to go with VG PAS they would lay out a plan that I would have to agree to in order to...
by tj
Wed Sep 20, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: 24F Looking to start an aggressive portfolio
Replies: 31
Views: 2355

Re: 24F Looking to start an aggressive portfolio

Trick? As in covertly seeking single men?

You never know. Who knows what she is getting in her pm's 😁

Its probably just habit. I didnt think anything of it.
by tj
Tue Sep 19, 2017 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Pimco Income Fund - What am I missing?
Replies: 17
Views: 2620

Re: Pimco Income Fund - What am I missing?

High returns don't come without comparable risk. This fund could drop like a stock fund next time. It's all yours, but if I held it, it would not be considered a bond fund and I'd limit the holding to 20% of stock allocation. The fund is leveraged, and in addition... The management team of Dan Ivas...
by tj
Tue Sep 19, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: 24F Looking to start an aggressive portfolio
Replies: 31
Views: 2355

Re: 24F Looking to start an aggressive portfolio

keys_af wrote:
Mon Sep 18, 2017 11:12 pm
I don't make enough to max out tsp (only an e3). I am currently only doing the TSP roth.
Check out the-military-guide . I think that is nords blog? It should have lots of relevant info for you since you are in the military.
by tj
Tue Sep 19, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: The Magic of Savings Rate
Replies: 97
Views: 10350

Re: The Magic of Savings Rate

Its incredibly simplicistic. Who is starting from 0? Who has identical expenses every year?
by tj
Mon Sep 18, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 28690

Re: Wow, Vanguard Flagship service is bad. Really bad.

You can tranafer admiral shares to other brokerages like merrill edge, just cant buy more. And of course you can convert to etf which can be held anywhere I know for certain that two years ago, I could not transfer VTSAX (TMI admiral class) from VG to Fido. I don't know if this limitation was impos...
by tj
Mon Sep 18, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 28690

Re: Wow, Vanguard Flagship service is bad. Really bad.

You can tranafer admiral shares to other brokerages like merrill edge, just cant buy more. And of course you can convert to etf which can be held anywhere
by tj
Mon Sep 18, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 28690

Re: Wow, Vanguard Flagship service is bad. Really bad.

Lowest ER's might be having an effect on attracting competent talent. Maybe, maybe not. I would be very curious to know VG's compensation scale as compared to other financial firms. Cheap pay doesn't attract top talent.... you get what you pay for. Don Its about 35k for entry level call center in s...
by tj
Mon Sep 18, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 538
Views: 83133

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Is it worth asking Merril to pay me a sum of money to keep my money with them as a retention bonus? I'm tempted to put my 100k with Schwab to get that 500$ bonus. However, I like buying my VTI commission free and the simplicity. Wasn't sure if anyone has any experience with retention from Merrill? ...
by tj
Fri Sep 15, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Good flat-fee financial advisors in Boston suburbs?
Replies: 13
Views: 1285

Re: Good flat-fee financial advisors in Boston suburbs?

texaspapas wrote:
Thu Sep 14, 2017 8:06 pm
Why not just use the Vanguard service? They have excellent choices and all their advisors are salaried without bonus for up-selling.
Presumably because they charge 30 bps. That can be substantial on a large account.
by tj
Thu Sep 14, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17380

Re: Is it really Worth it to brown bag your lunch at work?

I started bringing a soylent 2.0 into work for lunch. They are about $3 per bottle. Beats going out for $8. Save sone wear n tear on my car too. I've been mulling over doing a 12 bottle subscription of Soylent. There are ~20 lunches in a month. If I did a Soylent drink for 12 of the 20, I'd probabl...
by tj
Thu Sep 14, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17380

Re: Is it really Worth it to brown bag your lunch at work?

I make something in a slow cooker every Sunday to provide 4-5 lunches for the week. I try to limit carbs, so this is usually heavy on meats and vegetables. It runs around 15-20 dollars for the pot. I enjoy it as much or more than foods out, and it is typically healthier than the places I would go. ...
by tj
Thu Sep 14, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17380

Re: Is it really Worth it to brown bag your lunch at work?

I make something in a slow cooker every Sunday to provide 4-5 lunches for the week. I try to limit carbs, so this is usually heavy on meats and vegetables. It runs around 15-20 dollars for the pot. I enjoy it as much or more than foods out, and it is typically healthier than the places I would go. ...
by tj
Thu Sep 14, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17380

Re: Is it really Worth it to brown bag your lunch at work?

I started bringing a soylent 2.0 into work for lunch. They are about $3 per bottle. Beats going out for $8. Save sone wear n tear on my car too.
by tj
Wed Sep 13, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 645
Views: 38933

Re: Equifax customer information leak

Is nobody freezing sagestream?
by tj
Wed Sep 13, 2017 3:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date 2015 vs Managed Payout - Is this a dumb question?
Replies: 10
Views: 1850

Re: Vanguard Target Date 2015 vs Managed Payout - Is this a dumb question?

It that's true, then how can Managed Payout allow for 4% distributions indefinitely. Or, are you saying it can't. What has the actual payout been? It's been around since May 2008, so what was the payout during the crash? Here is a table of the sum of the monthly payouts during each year of a hypoth...
by tj
Mon Sep 11, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 192
Views: 34723

Re: USAA 2.5% Cash Back Credit Card

All new accounts show up on all your reports but they don't typically hard pull all 3 to process your application. If I recall correctly, USAA uses EQ.
by tj
Mon Sep 11, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Contemplating an Electric Car
Replies: 147
Views: 8644

Re: Contemplating an Electric Car

I got this one....because the subject you mentioned is a forbidden topic on this board, whether you like it or not. I didn't mention any subject, I'm just trying to following a forum. I don't see mods censoring posts. I saw a one user quote people and censor it which seemed peculiar. I also didn't ...
by tj
Sun Sep 10, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: Contemplating an Electric Car
Replies: 147
Views: 8644

Re: Contemplating an Electric Car

OK what I have exxed out is a forbidden topic on this forum. It is best not to use the words.
How is science a forbidden topic? I don't understand why you keep censoring people's posts in your replies.
by tj
Sun Sep 10, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: Hurricane Harvey relief?
Replies: 42
Views: 3111

Re: Hurricane Harvey relief?

How about this one? https://www.oneamericaappeal.org/ Is the One America Appeal a new fund? No. All funds collected through the One America Appeal will go into a special account at the George H. W. Bush Presidential Library Foundation, a tax-exempt 501(c)(3) organization, to ensure 100 cents out of ...
by tj
Sun Sep 10, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 59
Views: 25720

Re: Can't freeze credit at Experian?

Same thing happened to me. I immediately tried again and got the same error message, no verification questions. Tried one last time, maybe 30 min had passed simce 1st attempt, and it gave me a new set of verification questions and finally processed the request to freeze. Ditto happened to me - 3 tr...
by tj
Sun Sep 10, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 645
Views: 38933

Re: Equifax customer information leak

SpideyIndexer wrote:
Sun Sep 10, 2017 5:31 pm
Is it normal that TransUnion requires one to become a "member" in order to place a credit freeze? There is no charge, just another userid + password each for me and my spouse.


Yes, TU required a login.Though presumably not if you do it by phone: 1-888-909-8872
by tj
Sun Sep 10, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 645
Views: 38933

Re: Equifax customer information leak

It took several tries with Equifax, but I have frozen: Equifax, Experian and Transunion. Some people have mentioned others? So, what else should I freeze? https://freeze.transunion.com/sf/securityFreeze/personalOrderProcess https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp https://ww...
by tj
Wed Sep 06, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a fee from td ameritrade on a transfer
Replies: 23
Views: 1947

Re: Got hit with a fee from td ameritrade on a transfer

Inteesting, so could i transfer in 5 bucks cash, transfer out my holdings and then withdraw my cash to avoid the transfer fee?
by tj
Tue Sep 05, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a fee from td ameritrade on a transfer
Replies: 23
Views: 1947

Re: Got hit with a fee from td ameritrade on a transfer

You should have left it alone or done an early withdrawal, rhe early penalty on that would be next to nothing.

Tda is not in the wrong here.
by tj
Sun Sep 03, 2017 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Advice for lowering AGI/Taxable?
Replies: 51
Views: 5108

Re: Tax Advice for lowering AGI/Taxable?

I will look into her providers. I get free health care from the VA, so my insurance is basically for the wife and kids. If you use Tricare, that is non-HDHP coverage, which makes you ineligible to contribute to an HSA. (You can still use a high-deductible plan, but it won't help lower your AGI.) Tr...
by tj
Sat Sep 02, 2017 9:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3952
Views: 1040183

Re: U.S. stocks in freefall

plus the thread has over a million views. Someday it could be 10 million. :D

Is it the most viewed thread? :)
by tj
Fri Sep 01, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: Help Customizing Streaming TV Options
Replies: 10
Views: 918

Re: Help Customizing Streaming TV Options

First, I think you need to find out whether you can get local stations with an antenna. antennaweb.org may help. If you can get locals with an antenna, that makes the rest easier. There are five main streaming services that have "live" TV: directvnow, YouTube tv, sling tv, Hulu live, and PlayStatio...
by tj
Fri Sep 01, 2017 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Need tax advice selling wellington
Replies: 33
Views: 1859

Re: Need tax advice selling wellington

Dont people worry about asset bloat with wellington? Im surprised they havent closed it again. It may be closed to new investors. How is asset bloat a problem for a fund like Wellington? It isn't a fund that is constantly maneuvering to beat the market. It invests in large cap stocks and bonds. It ...
by tj
Fri Sep 01, 2017 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Need tax advice selling wellington
Replies: 33
Views: 1859

Re: Need tax advice selling wellington

Dont people worry about asset bloat with wellington? Im surprised they havent closed it again. It may be closed to new investors. How is asset bloat a problem for a fund like Wellington? It isn't a fund that is constantly maneuvering to beat the market. It invests in large cap stocks and bonds. It ...
by tj
Fri Sep 01, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Help Customizing Streaming TV Options
Replies: 10
Views: 918

Re: Help Customizing Streaming TV Options

Its not a problem anymore. Many of the sports channels are available on multiple streaming services now.
by tj
Fri Sep 01, 2017 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Need tax advice selling wellington
Replies: 33
Views: 1859

Re: Need tax advice selling wellington

Dont people worry about asset bloat with wellington? Im surprised they havent closed it again.
by tj
Fri Sep 01, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Advice for lowering AGI/Taxable?
Replies: 51
Views: 5108

Re: Tax Advice for lowering AGI/Taxable?

I would max the TSP now and then you still have the option of maxing IRAs for both of you before April 15 if that would change things. It may compare in different ways even though income, AGI, and/or taxable income are considered. Turns out the IRA's wouldn't apply as they don't affect your MAGI. S...
by tj
Fri Sep 01, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Saving money on energy bills (California)?
Replies: 15
Views: 1951

Re: Saving money on energy bills (California)?

Arcadia power, which does not seem to be affiliated with an electric company lets you offset 50% for free. 100% costs a bit extra.

https://arcadiapower.com/tj3228

They will give you free $$ for signing up too.
by tj
Wed Aug 30, 2017 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley and Wellington instead of VTINX?
Replies: 21
Views: 4097

Re: Wellesley and Wellington instead of VTINX?

It was a year and a half ago. 😁
by tj
Mon Aug 28, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Do people in the 15% tax bracket tax loss harvest?
Replies: 24
Views: 2145

Re: Do people in the 15% tax bracket tax loss harvest?

A lower tax bracket is mathematically impossible. if you are in the 15% bracket, your long term capital gains are taxed at 0. Hence, I would tax gain harvest if I was in the 15% tax bracket. Because your increasing your basis for free. Warning: tax gain harvesting is not always "increasing your bas...
by tj
Sun Aug 27, 2017 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Do people in the 15% tax bracket tax loss harvest?
Replies: 24
Views: 2145

Re: Do people in the 15% tax bracket tax loss harvest?

I personally would tax gain harvest in that bracket. I'd be thinking along the same lines. Don't get why most folks here have talked about TLH instead of TGH. https://www.bogleheads.org/wiki/Tax_gain_harvesting If you windup in same tax bracket in retirement, you've benefited from tax deferment. A ...
by tj
Sun Aug 27, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Do people in the 15% tax bracket tax loss harvest?
Replies: 24
Views: 2145

Re: Do people in the 15% tax bracket tax loss harvest?

I personally would tax gain harvest in that bracket.
by tj
Sun Aug 27, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: USAA opinions. Worth it?
Replies: 53
Views: 5056

Re: USAA opinions. Worth it?

For everyone: would you like to have your insurance question answered by a USAA exec or program manager?
Sure, how come the Garrison auto policies never pay out a dividend? :D
by tj
Sun Aug 27, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance Increase
Replies: 13
Views: 1287

Re: USAA Auto Insurance Increase

A question sparked by another thread: If you switch your USAA insurance policy to another firm, could you lose your eligibility for your current level of membership? I've been USAA CIC (father was Army officer) for 40-some years now. We have bank accounts at USAA as well. If we feel we have to go r...
by tj
Sat Aug 26, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance Increase
Replies: 13
Views: 1287

Re: USAA Auto Insurance Increase

My understanding is USAA has different risk pools. Same understanding here and some of it indicated by this post: https://www.bogleheads.org/forum/viewtopic.php?p=3507054#p3411462 One inaccuracy to the linked list is senior NCOs fall into the upper tier. Any discussion of USAA insurance is incomple...
by tj
Thu Aug 24, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Who Do You Trust for Disability/Life Insurance
Replies: 10
Views: 1066

Re: Who Do You Trust for Disability/Life Insurance

I was 40 when I got the policy for $500k and pay $340/yr.
That's odd. The website says $90/year.

https://www.lfg.com/public/individual/e ... llevelterm
by tj
Tue Aug 22, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Who Do You Trust for Disability/Life Insurance
Replies: 10
Views: 1066

Re: Who Do You Trust for Disability/Life Insurance

Terminsurancebrokers.com worked out well for me. Got both life and disability through them.
by tj
Mon Aug 21, 2017 8:32 am
Forum: Investing - Theory, News & General
Topic: USAA Closing my Roth - Question on Account Closing Fee
Replies: 10
Views: 1606

Re: USAA Closing my Roth - Question on Account Closing Fee

I'd get the account up to $500, then make them do a rollover to another Roth, assuming you have a Roth somewhere else, and assuming you have 400-490 worth of Roth contributions left for this year. That is - unless there's a rollover fee too. I'm a USAA member and I'm always surprised at how little ...