Search found 1716 matches

by tj
Fri Jan 06, 2017 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 188
Views: 29389

Re: Bank of America/Merrill Edge - Preferred Rewards

Seems to happen yearly but is back again and I am finally able to take advantage of it. Transfer taxable brokerage account assets or IRA assets to Merrill Edge for a bonus. - transfer 20k: $100 bonus - transfer 50k: $250 bonus (usually $150) - transfer 100k: $500 bonus (usually $250) - transfer 200...
by tj
Thu Jan 05, 2017 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire ending its Reserve 100,000 bonus point offer
Replies: 30
Views: 3282

Re: Chase Sapphire ending its Reserve 100,000 bonus point offer

The annual fee is $450! That take a chunk from the benefits from tne bonus not really. You get $300 in travel credits per calendar year, so you get $600 less $450....plus another $1,000-$1,500. You will never see another CC offer like this in your lifetime which is exactly why Chase is nerfing it.
by tj
Thu Jan 05, 2017 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire ending its Reserve 100,000 bonus point offer
Replies: 30
Views: 3282

Re: Chase Sapphire ending its Reserve 100,000 bonus point offer

You can take $1,000 as cash or redeem or $1,500 as travel credit. Chase has their own portal to book travel similar to Expedia or whatever.
by tj
Mon Jan 02, 2017 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Dividend Distribution
Replies: 26
Views: 2382

Re: USAA Dividend Distribution

Maybe you guys can help. I was a SSG in the national guard. No accidents or claims on record. Is it possible to move tiers? I don't consider myself a non-standard risk driver and I was a NCO so I thought I might fall into a higher level tier than what I'm currently classified under. I'm not aware o...
by tj
Mon Jan 02, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Dividend Distribution
Replies: 26
Views: 2382

Re: USAA Dividend Distribution

It depends which USAA insurance comapny insures you. I'm with Garrison Property & Casualty (the company they created for 3rd generation offspring of officers, and perhaps others) and I've never received a dividend.
by tj
Mon Jan 02, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 23
Views: 2328

Re: Best HSA (2017)

Other providers such as Health Saving Administrators and Health Equity have better fund options (Vanguard Admiral Shares), but the additional fixed costs of these accounts would push my total expense ratio to about 1-2% this year, since my maximum HSA balance for 2017 will be the individual contrib...
by tj
Sat Dec 31, 2016 5:20 pm
Forum: Investing - Theory, News & General
Topic: A look at funds managed by the Vanguard Quantitative Equity Group (VUVLX, VSEQX, VSTCX, VMNFX, VMNVX, VASFX, VPGDX)
Replies: 19
Views: 2102

Re: A look at funds managed by the Vanguard Quantitative Equity Group (VUVLX, VSEQX, VSTCX, VMNFX, VMNVX, VASFX, VPGDX)

Thanks for posting this! Fascinating analysis. The quant group also manages roughly 1/3 of VEIRX, Vanguard Equity Income, with Wellington managing the rest of the fund.

Strange that the Managed Payout Fund dropped exposure to Global Minimum Volatility recently.
by tj
Sat Dec 31, 2016 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: How to gain exposure to Alternatives?
Replies: 15
Views: 1024

Re: How to gain exposure to Alternatives?

livesoft wrote:How does Personal Capital define "Alternatives"? Would a simple REIT index fund be one such alternative?



Yes. PersonalCapital considers Vanguard REIT Index to be an alternative.
by tj
Wed Dec 14, 2016 2:20 pm
Forum: Investing - Theory, News & General
Topic: Fidelity "Greenline Forum"
Replies: 11
Views: 2659

Re: Fidelity "Greenline Forum"

I received an invitation today.
by tj
Sat Dec 03, 2016 6:36 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 211
Views: 21091

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I sort of looked at it. As far as I can tell, a motif could consist of one ETF, but I am not certain about that. Definitely when minimum transactions are required you need to subtract off the fees. It can still be a good deal, I took the $200 for 2k offer from Tradeking even though three transactio...
by tj
Wed Nov 30, 2016 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software for 2016
Replies: 70
Views: 6293

Re: H&R Block Tax Software for 2016

Unfortuantely H&R apparently doesn't support California froms until after January. With TurboTax I could project my fed and state tax liability. I probably won't be using H&R again.
by tj
Wed Nov 30, 2016 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: HSAs in California
Replies: 85
Views: 19695

Re: HSAs in California

So I am opening my first HSA starting this month. My fund choices are here: http://healthequity.com/indexinvestor/ Assuming that one is going to be in the accumulation stage for several years, Is the Institutional Index the logical choice to achieve growth and minimize Califonria distributions? The ...
by tj
Mon Nov 28, 2016 8:05 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 211
Views: 21091

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I guess this is still in play, extended the date to 3/17, or maybe it did disappear for awhile: https://www.tdameritrade.com/offer/1000brex/index.html You need 250k to get the $1000, but 100k will get you $500, not too shabby. This may be for new accounts only. I did like how they almost immediatel...
by tj
Sun Nov 27, 2016 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit card for a large one-time expense?
Replies: 50
Views: 5245

Re: Which Credit card for a large one-time expense?

If you can't utilize the travel credit yourself, just buy some airline gift cards and sell them at a slight discount or something. The Sapphire Reserve is the best option by a rather large margin.
by tj
Sun Nov 27, 2016 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software for 2016
Replies: 70
Views: 6293

Re: H&R Block Tax Software for 2016

nalor511 wrote:There is no tax in CA if you choose the download option, there is tax if you choose the DVD option



Bummer. Didn't even notice the download option.
by tj
Sun Nov 27, 2016 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Deluxe Discontinued? TaxAct Plus Only for more $$$?
Replies: 15
Views: 2352

Re: TaxAct Deluxe Discontinued? TaxAct Plus Only for more $$$?

Eurookat wrote:I just preordered a copy for $28. It's still cheaper than the alternatives.



$22.50 for H&R Block Deluxe at NewEgg.

https://www.fatwallet.com/forums/hot-deals/1541750
by tj
Sun Nov 27, 2016 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software for 2016
Replies: 70
Views: 6293

Re: H&R Block Tax Software for 2016

Found on Slickdeals forum, $22.50 H&R BLOCK 2016 Deluxe + State from newegg.com https://slickdeals.net/f/9441283-50-off-select-h-r-block-tax-software-newegg?sdxt07=0&p=92391147&utm_source=dealalerts&utm_medium=em-i&utm_term=242&utm_content=u6208418&utm_campaign=tu-9999&a...
by tj
Fri Nov 18, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 120
Views: 10886

Re: TaxAct pre-purchase discount

It's $45 today. Might as well buy H&R Block which allegedly imports more brokerages.

https://www.taxact.com/products/next-year
by tj
Tue Nov 15, 2016 10:39 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 211
Views: 21091

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I guess this is still in play, extended the date to 3/17, or maybe it did disappear for awhile: https://www.tdameritrade.com/offer/1000brex/index.html You need 250k to get the $1000, but 100k will get you $500, not too shabby. This may be for new accounts only. I did like how they almost immediatel...
by tj
Tue Nov 15, 2016 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 391
Views: 93327

Re: Share your networth progression

I didn't start really keeping track until the middle of 2010 at the age of 25. 7/1/10 - $44k 1/1/11 - $69k (I think this increase is a combination of bull market and I bought a new car towards the end of 2010) 1/1/12 - $79k (In late '11 I refinanced condo loan from 30 year 5.25% to 15 year 3.625%) ...
by tj
Tue Nov 15, 2016 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to retire early (in your 30s or 40s)?
Replies: 173
Views: 22760

Re: How to retire early (in your 30s or 40s)?

The flip side of that is you notice how much more taxes you pay when your pay increases. I want to say that I started at $38k and when it jumped to $50k it seemed almost ridiculous that proportionally my taxes went up a lot more than my net paycheck seemed to go up. I'd argue that it's harder in th...
by tj
Tue Nov 15, 2016 9:12 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 211
Views: 21091

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I guess this is still in play, extended the date to 3/17, or maybe it did disappear for awhile: https://www.tdameritrade.com/offer/1000brex/index.html You need 250k to get the $1000, but 100k will get you $500, not too shabby. This may be for new accounts only. I did like how they almost immediatel...
by tj
Sun Nov 13, 2016 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to retire early (in your 30s or 40s)?
Replies: 173
Views: 22760

Re: How to retire early (in your 30s or 40s)?

1. Be a doctor, lawyer, engineer, consultant, financial analyst, accountant. White collar essentially. Hmmmm, do you live in the north? I live in south Texas on the gulf coast. I have an associates degree in process technology that cost me about $6k. I work as a process operator for a major chemica...
by tj
Sun Nov 06, 2016 5:25 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 211
Views: 21091

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I've got some accounts at Scottrade. Does anyone know if I can transfer them over to TD Ameritrade to collect the bonus prior to the merge? If my accounts are going to be transferred to them eventually anyhow, it would be nice to collect a bonus for it by initiating the transfer myself. Sure, why n...
by tj
Sun Nov 06, 2016 4:55 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 211
Views: 21091

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I've got some accounts at Scottrade. Does anyone know if I can transfer them over to TD Ameritrade to collect the bonus prior to the merge? If my accounts are going to be transferred to them eventually anyhow, it would be nice to collect a bonus for it by initiating the transfer myself. Sure, why n...
by tj
Sun Nov 06, 2016 4:39 pm
Forum: Personal Consumer Issues
Topic: Baseball Tour
Replies: 4
Views: 579

Re: Baseball Tour

Has anyone on the board ever taken a Triple Crown baseball tour? My wife and have been thinking about it and would like learn if anyone has first hand experience. I had to google it to see what it was. I've gone to many ballparks with my dad, some of which were in the form of a road trip. We did Fe...
by tj
Sun Nov 06, 2016 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to retire early (in your 30s or 40s)?
Replies: 173
Views: 22760

Re: How to retire early (in your 30s or 40s)?

You couldn't deduct an IRA and 401k. Yes, the rules allow for IRA deduction if covered by an employer plan as long as MAGI for Traditional IRA purposes is under certain limits. For 2016, if both spouses are covered by employer plan, both spouses can fully deduct Traditional IRA contributions as lon...
by tj
Sun Nov 06, 2016 2:10 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 211
Views: 21091

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Is Fidelity presently offering a bonus for transfering IRA or brokerage accounts to them? Thanks. Yes. Fidelity pretty much always has something going. If you look at the message at the start of the thread, I have a link to a good site with bonus offers. Fidelity usually isn't the best, but if you'...
by tj
Thu Oct 20, 2016 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads use Robo Advisors?
Replies: 39
Views: 3948

Re: Do Bogleheads use Robo Advisors?

The problem with the robo's is that it certainly doesn't seem like a sustainable long term business model. Rick's firm was going to offer one and then they nixed it. Robos appeal to people who want to cut out the middle man financial adviser, but what happens a couple decades from now if the robo's ...
by tj
Thu Oct 20, 2016 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Any thoughts on EPRF?
Replies: 0
Views: 1507

Any thoughts on EPRF?

Any Boglehead thoughts on this fund? This is a new-ish ETF that I haven't seen talked about much. http://www.elkhorn.com/etf/detail.aspx?ticker=EPRF The Elkhorn S&P High Quality Preferred ETF is based on the S&P U.S. High Quality Preferred Stock Index Info on the Index itself: https://us.spi...
by tj
Mon Sep 19, 2016 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: VDIGX surrogate [Vanguard Dividend Growth Fund]
Replies: 13
Views: 819

Re: VDIGX surrogate

Thanks - that sounds very promising if the fee isn't too high. That's great information on the management - I really appreciate it! The fee is definitely higher @ 0.81%. And it hasn't outperformed it's benchmark since 2009. HDGIX you can get at Fidelity with. min of $2500. VDIGX has definitely been...
by tj
Mon Sep 19, 2016 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: VDIGX surrogate [Vanguard Dividend Growth Fund]
Replies: 13
Views: 819

Re: VDIGX surrogate

T Rowe Price has a Dividend Growth Fund that people like. I think the closest thing you are going to find is Hartford's Dividend and Growth fund, as it's also managed by Wellington. It is actually managed by the manager of Vanguard Dividend Growth and the manager of the stock side of Wellington Fund...
by tj
Sun Sep 18, 2016 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Core Bond Fund
Replies: 55
Views: 6211

Re: Vanguard Core Bond Fund

I think it's mostly a yawn. It's clear what's going on. According to Morningstar, Vanguard Total Bond Market Index Fund, VBMFX, has an average credit quality of AA; Vanguard Core Bond Fund, VCOBX, has an average credit quality of BBB, just barely investment grade. As I already noted earlier in hope...
by tj
Sat Sep 10, 2016 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Ethical Fees for Financial Advice
Replies: 20
Views: 2670

Re: Ethical Fees for Financial Advice

JoinToday – Cardiffpark says they charge a flat annual fee between $3k-$10k. This might be a good alternative to AUM. I'm not sure how much E&O insurance costs if that's what you are referring to. You also have a good point about there being more work in early years. Some people come in with ma...
by tj
Sat Sep 10, 2016 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Q on 2 New Fidelity Visa Cards, Replacing FIA AMEX & FIA Visa
Replies: 10
Views: 1183

Re: Q on 2 New Fidelity Visa Cards, Replacing FIA AMEX & FIA Visa

Mine said $50 for $1000 spend.

I didn't knopw which card it was for, so I called customer service.

They said it was the old 1.5% card. Apparetnly the 2% card has a "spend 1 purchase, get 5k poitns".


He couldn't tell me why they are different but that's what the computer said.
by tj
Fri Sep 09, 2016 11:55 pm
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 9187

Re: ["Wells Fargo Fined for Years of Harm to Customers"]

So...do we expect anything noteworthy to happen with Wells Fargo stock? Or Is this just a bunch of noise to tune out?

This is a big holding in a lot of popular funds, including the #1 equity holding in the Wellington fund as of 7/31/16
by tj
Fri Sep 02, 2016 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 40707

Re: [Fidelity drops AmEx, Bank of America credit cards]

I received something in the mail that I said if I spent $1,000 before 10/31, I'll get 5,000 bonus points. It wasn't clear which card this was far, so when I called customer service they said that my card that used to be the Amex has an offer of make one purchase, get 5000 bonus points, and the one t...
by tj
Fri Aug 26, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Is my salary inflated by my employer?
Replies: 32
Views: 3755

Re: Is my salary inflated by my employer?

With the cost of health insurance today, I'd be shocked if employers cover any of it. I saw the rates that my company has to pay next year....a 48% increase if they keep the same carrier!
by tj
Fri Aug 26, 2016 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Sell Dallas Rental Condo?
Replies: 22
Views: 2557

Re: Should I Sell Dallas Rental Condo?

Congrats!

I sold my condo around this time last summer and when I checked ZIllow the other day, the Zestimate is only a few thousand higher than I sold it for, but the stock market has been on fire. Looks like I made the right call (got lucky).
by tj
Sat Aug 06, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Toyota care plus prepaid maintenance
Replies: 50
Views: 14006

Re: Toyota care plus prepaid maintenance

I want to know how he went nearly 50k miles with no brake pad changes! For my civic, at various SoCal dealers: June 2011 - 5k miles - oil change & tire rotation - $71.55 71.55 Feb 2012 - 11k miles - 'minor service interval' (looks like oil change, tire rotation & a whole bunch of inspections...
by tj
Tue Aug 02, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Toyota care plus prepaid maintenance
Replies: 50
Views: 14006

Re: Toyota care plus prepaid maintenance

Interesting. When I went to Just Tires for some new tires, the service tech actually suggested that I continue to get my oil changed at Honda and that the car would last longer. He said that's what he does with his car. And he works at a place that does oil changes.
by tj
Tue Aug 02, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: Toyota care plus prepaid maintenance
Replies: 50
Views: 14006

Re: Toyota care plus prepaid maintenance

I don't understand why everyone thinks the dealer service department is going to just "find" things. Because that's what they do and that's how they make money. Wouldn't the same be true for ANY mechanic? I just don't understand this notion that dealer service departments are any more sha...
by tj
Mon Aug 01, 2016 9:59 pm
Forum: Personal Consumer Issues
Topic: Toyota care plus prepaid maintenance
Replies: 50
Views: 14006

Re: Toyota care plus prepaid maintenance

I've had so many free manufacturer's warranty repairs from various dealers and I drive a Honda. My parents have always used dealers I guess it's just what i grew up with. Maybe after the warranty is up, I'd try another shop, but I don't understand why everyone thinks the dealer service department is...
by tj
Mon Aug 01, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Switch from Allstate to Amica/USAA?
Replies: 34
Views: 2272

Re: Switch from Allstate to Amica/USAA?

We have USAA home and auto insurance. We receive a "dividend" just about every year (maybe every year). Our eligibility is based on my father's military service (retired officer) and the fact that he had coverage through them at some point (at least auto, I'm not sure about homeowners). S...
by tj
Mon Aug 01, 2016 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Switch from Allstate to Amica/USAA?
Replies: 34
Views: 2272

Re: Switch from Allstate to Amica/USAA?

I just completed an online quote with Amica and it's approximately the same for both auto and home that I currently pay with Allstate. If I were to get dividends that would make it come out ahead. It appears that in order to get an online quote with USAA part of the form is to determine whether I'm...
by tj
Mon Aug 01, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Switch from Allstate to Amica/USAA?
Replies: 34
Views: 2272

Re: Switch from Allstate to Amica/USAA?

Just be careful when comparing premiums. Both Amica and USAA are mutual companies and thus pay a dividend ('subscriber's savings account' in USAA lingo), at least in most states. https://www.amica.com/en/products/dividend.html I haven't had a USAA dividend in all 6 years I've had a policy. It depen...
by tj
Wed Jul 20, 2016 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Citibank checking account
Replies: 32
Views: 5212

Re: Citibank checking account

Chase has sent me a similar offer in the mail every single month for the past year now. Not quite similar. - Chase has a composite offer of $500 ($300 for checking + $200 for savings), not $400 - The holding period is six months for Chase, but only three months with Citi. Furthermore, only the firs...
by tj
Wed Jul 20, 2016 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 70
Views: 9580

Re: Charles Schwab Checking + Brokerage Account

I'm not sure if you can transfer funds from a credit union (or bank) checking account into a brokerage account... Yes, you can. I have transferred funds from my Schwab brokerage account directly to my credit union checking account. The brokerage account and the checking account are connected to the...
by tj
Wed Jul 20, 2016 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Does Costco gas count as gas for PenFed Visa?
Replies: 6
Views: 970

Re: Does Costco gas count as gas for PenFed Visa?

Anyone try for the Bank Of America Cash Rewards (which is 5.25% cashback?)
by tj
Sun Jul 03, 2016 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 40707

Re: [Fidelity drops AmEx, Bank of America credit cards]

Question concerning website access with the new provider Elan-- is there a dedicated website for the cards (as was offered by FIA) or must one access the new card(s) via the Fidelity Investments website? Thanks. There is - http://www.fidelityrewards.com . Thanks! I just set up my "first" ...

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