Search found 1809 matches

by tj
Tue Jul 25, 2017 12:37 am
Forum: Personal Consumer Issues
Topic: YouTube TV - Anyone used or currently using?
Replies: 19
Views: 2232

Re: YouTube TV - Anyone used or currently using?

FedGuy wrote:
tj wrote:YouTube TV seems to be missing TBS and TNT. That seems like pretty major holes in their programming.

It also seems to be missing Discovery, History, and Syfy. And, weirdly, CNN.


Not weirdly, CNN is a Turner netowrk just like TBS and TNT.
by tj
Mon Jul 24, 2017 12:04 am
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 43
Views: 3221

Re: MVNO's versus the Big 4

So, I'm not quite sure why I would want to use Ting or Cricket vs. H2O. They're both more expensive for GSM. For Ting I'm at $28 for 500 minutes talk and 500Mb data and for $25 (with autopay) I get unlimited talk and 1G data on Cricket, which is better than Ting. But for $27 (with autopay) I get un...
by tj
Sun Jul 23, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: YouTube TV - Anyone used or currently using?
Replies: 19
Views: 2232

Re: YouTube TV - Anyone used or currently using?

YouTube TV seems to be missing TBS and TNT. That seems like pretty major holes in their programming.
by tj
Sun Jul 23, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Simple question on Donor Advised Fund at Vanguard
Replies: 7
Views: 560

Re: Simple question on Donor Advised Fund at Vanguard

I like things very simple. If you set up a donor advised fund at Vanguard, does it show up with your other accounts on logon and in your physical statements? Or is it totally separate, inclduing a separate website? Vanguard Charitable is too rich for my blood. I can access my FidelityCharitable acc...
by tj
Sun Jul 23, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 43
Views: 3221

Re: MVNO's versus the Big 4

So, I'm not quite sure why I would want to use Ting or Cricket vs. H2O. They're both more expensive for GSM. For Ting I'm at $28 for 500 minutes talk and 500Mb data and for $25 (with autopay) I get unlimited talk and 1G data on Cricket, which is better than Ting. But for $27 (with autopay) I get un...
by tj
Sat Jul 22, 2017 12:08 am
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 43
Views: 3221

Re: MVNO's versus the Big 4

Same for H20, no taxes or fees added. I pay $27/mo for unlimited voice and 3 gb. data. I am not sure about H2O. Does your plan stops when it reaches 3GB? Cricket does not stop but data will be slower. Technically, unlimited. H20 does the same thing. 2G speed and Unlmited after the 3G is hit, it's j...
by tj
Fri Jul 21, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 43
Views: 3221

Re: MVNO's versus the Big 4

If you want to use the AT&T towers, look at the AT&T MVNO's.

Such as:

Airvoice WIreless - https://www.airvoicewireless.com/

PureTalk USA - https://www.puretalkusa.com/

H20 Wireless - https://www.h2owirelessnow.com/mainCont ... page=index
by tj
Sun Jul 16, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: YouTube TV - Anyone used or currently using?
Replies: 19
Views: 2232

Re: YouTube TV - Anyone used or currently using?

I've had it for almost two months now. I chose it because basically the only tv I watch live is sports and it has all the sports channels I want at the best price. No Turner though, so once March Madness comes around you'll be out of luck for the games on those channels. Have all the locals. To me,...
by tj
Sun Jul 16, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 46
Views: 4812

Re: Cutting the Cord: Who's Best?

(took a big gamble here)


LOL, even if you never turned it on you got value via the roku.
by tj
Sat Jul 15, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 3158

Re: What am I missing here? [I'm a bachelor]

Looked at a house today, $240,000 with a 30 year fixed at 3.75% APR I will pay $270,000 in interest/$510,000 total principle+interest at the end of the 30 years. Add in all the home maintenance, and the taxes. This is why I rent. I have no kids, no wife. Don't need it. The white picket fence Americ...
by tj
Sat Jul 15, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Time to dump State Farm agent?
Replies: 25
Views: 1988

Re: Time to dump State Farm agent?

Everyone says good things about Amica, but they've always been much higher than USAA for me. It's going to vary by state. best to go to an independent agent to shop it around as well as check companies like Geico and Amica.
by tj
Fri Jul 14, 2017 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Auto, renters, umbrella insurance quote/company comparision
Replies: 11
Views: 1000

Re: Auto, renters, umbrella insurance quote/company comparision

Find a broker. Those are all carriers that are direct or captive agents. A broker can shop the same coverages, with broader access to carriers. Thanks! Any tips on on finding a good one? Our last guy (previous state) always said he was independent, but he had some kind of tie to travelers and that'...
by tj
Fri Jul 14, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 46
Views: 4812

Re: Cutting the Cord: Who's Best?

To me it's almost a waste of time to cut the cord and then subscribe to these expensive multichannel services that basically just represent cable tv streamed over the internet. Hulu, netflix, and Amazon prime, and CBS is sufficient for us. We don't miss live tv. These subscriptions are shared with ...
by tj
Fri Jul 14, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 46
Views: 4812

Re: Cutting the Cord: Who's Best?

To me it's almost a waste of time to cut the cord and then subscribe to these expensive multichannel services that basically just represent cable tv streamed over the internet. Hulu, netflix, and Amazon prime, and CBS is sufficient for us. We don't miss live tv. These subscriptions are shared with ...
by tj
Wed Jul 12, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 46
Views: 4812

Re: Cutting the Cord: Who's Best?

You just need to compare the different options that gives you the cheapest price for the channels you want. It used to be Playstation Vue if you were in a market that didn't have all 4 of the big 4, but they raised prices on those markets the other day. I recently ordered 2 months of DirecTVNow beca...
by tj
Wed Jul 12, 2017 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 369
Views: 63972

Re: Bank of America/Merrill Edge - Preferred Rewards

Can't beat 2.625% on everything I can. My Alliant Credit Union card gets 3% cashback. :D http://www.alliantcreditunion.org/bank/visa-signature-card Really? " $59 annual fee , waived the first year" "A true cashback card: 3% cash back in year one & 2.5% cash back after " :oop...
by tj
Wed Jul 12, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 369
Views: 63972

Re: Bank of America/Merrill Edge - Preferred Rewards

Can't beat 2.625% on everything


I can. My Alliant Credit Union card gets 3% cashback. :D

http://www.alliantcreditunion.org/bank/ ... ature-card
by tj
Mon Jul 10, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: What insurance company has the best coverage for auto, renters, and umbrella?
Replies: 35
Views: 3015

Re: What insurance company has the best coverage for auto, renters, and umbrella?

It's going to vary by each state.

I use USAA. Nobody comes close to their rates.
by tj
Mon Jul 10, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains when selling a rental
Replies: 4
Views: 399

Re: Capital Gains when selling a rental

It seems to me that unless you can sell it before August 29th 2017, you're going to be out of luck for considering the entire gain personal (other than the depreciation which you pay back regardless) http://scholarworks.sjsu.edu/cgi/viewcontent.cgi?article=1029&context=contemp_tax Adding persona...
by tj
Mon Jul 10, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Digital Cable TV
Replies: 12
Views: 1117

Re: Digital Cable TV

Hello Sport, I think I can answer your query as I am on Spectrum (southern tier NY) and I don't rent any of their boxes. This has been the case for two years when I found out about the Roku box and app. The only glitch was the counter representative said I *had* to have one cable box if I wanted to...
by tj
Fri Jul 07, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: What are your health insurance stats?
Replies: 89
Views: 5026

Re: What are your health insurance stats?

Some of you guys have ridiculously low deductible and OOP max. I'm guessing you work for large corporations rather than a small business? Premium: $0 Deductible: $4500 Co-Insurance: 60% in network, 50% out of network OOP Max $6500 You are not too bad yourself, assuming that you have HSA set up? Is ...
by tj
Thu Jul 06, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: What are your health insurance stats?
Replies: 89
Views: 5026

Re: What are your health insurance stats?

Some of you guys have ridiculously low deductible and OOP max. I'm guessing you work for large corporations rather than a small business?

Premium: $0
Deductible: $4500
Co-Insurance: 60% in network, 50% out of network
OOP Max $6500
by tj
Wed Jun 28, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card to Pay Mortgage Payment
Replies: 28
Views: 2768

Re: Credit Card to Pay Mortgage Payment

Buy gift cards for a major retailer that you know you will use.
by tj
Tue Jun 20, 2017 10:39 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 478
Views: 65056

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I certainly wouldn't go into an office as they might compensate the person you're talking to, which could reduce bonus available.
by tj
Sun May 21, 2017 6:09 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 478
Views: 65056

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

What are the datapoints on which brokerage transfer bonuses require new accounts, as opposed to just new assets transferred into an existing account? I realize that creating a new account often won't be that hard, but if you do this repeatedly, it seems you could end up with multiple accounts at va...
by tj
Fri May 12, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Progress Made - What Now? (Pay off cheap mtg or invest)
Replies: 31
Views: 3672

Re: Progress Made - What Now? (Pay off cheap mtg or invest)

I still think you're very light on taxable brokerage accounts, but it hardly matters. I think whatever you do, you will be just fine. Have a chat with your spouse and discuss priorities! :)
by tj
Fri Apr 28, 2017 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Major health issue - finding new employment with health coverage
Replies: 35
Views: 2725

Re: Major health issue - finding new employment with health coverage

Have you checked lowestmed and goodrx prices for the drug?
by tj
Fri Apr 21, 2017 8:18 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1830
Views: 1053838

Re: The Three-Fund Portfolio

SavageBrother wrote:I did try to search for answers in this topic, but couldn't really find an answer to my question.

Why is a VT + VTI advised? And not, for example VTI + VXUS?
VT + VTI overlaps on North America afaik.



It's not. The Three Fund Portfolio would be VTI, VXUS and BND if you are using ETF's.
by tj
Wed Apr 19, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 144
Views: 14954

Re: Social Security for Millennials

If you plan to ignore social security, it could add several years to your career. I'm planning on receiving mine.

http://whitecoatinvestor.com/the-conseq ... -security/
by tj
Wed Apr 12, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: tax strategy for side income
Replies: 6
Views: 708

Re: tax strategy for side income

You could deduct up to an extra 10k or so with a simple ira, but not if you want to do backdoor roth.
by tj
Sun Mar 26, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 218
Views: 49967

Re: My New Car Buying Tips

I shopped a new Toyota Camry personally at local Toyota dealers during the "sales" season as the new cars were coming out. I then went to True car and shopped out of state for the same loaded camry. The savings was beyond bizarre. I am done haggling personally with dealers. What state do ...
by tj
Fri Mar 24, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 146
Views: 20462

Re: Best HSA (2017)

atxeng wrote:Does anyone know if we have access to closed funds like Primcap (VPMAX) or CapOpp (VHCAX) through Saturna?



Why would you? They are closed.
by tj
Thu Mar 23, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 146
Views: 20462

Re: Best HSA (2017)

Health Equity:  totally blows. Poor fund options, high wrap fees.
- $1000 cash account


Mine requires $2k in cash!
by tj
Thu Mar 23, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Expats, IRAs and FEIE
Replies: 10
Views: 954

Re: Expats, IRAs and FEIE

Here's another approach you might want to consider: don't use the FEIE but instead use Foreign Tax Credits to reduce or eliminate your US tax bill. Most countries have higher tax rates than the USA, despite the bellyaching you hear in America about high tax rates on individuals. It just isn't true....
by tj
Wed Mar 22, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 218
Views: 49967

Re: My New Car Buying Tips

$500 below MSRP sounds pretty high. Why aren't you checking the TrueCar price first? TrueCar is usually well below MSRP.
by tj
Wed Mar 22, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: What safe investment vehicle has the highest yield right now?
Replies: 22
Views: 3220

Re: What safe investment vehicle has the highest yield right now?

I get callable bond offerings all the time from TD Ameritrade, such as the following from this morning: TD Ameritrade is participating in the following Barclays Bank PLC Callable Step-up Notes. Offering details: Issuer: Barclays Bank PLC Ratings: A1/A- Order Period: until March 29, 2017 Coupons: 3.0...
by tj
Tue Mar 21, 2017 2:23 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1830
Views: 1053838

Re: The Three-Fund Portfolio

thanks, should I give any thought to using the Vanguard Extended Market Index Fund in combination with the 500 index? Yes, you should think about it! But don't stress over it by any means. If you combine the 500 and the extended funds in a 80/20 ratio, you'll pretty much match the total US fund. Ho...
by tj
Mon Mar 20, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Redneck/All American Bank
Replies: 17
Views: 2492

Re: Redneck/All American Bank

I'll use it when it goes back to 3%.
by tj
Mon Mar 20, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 5336

Re: Moving from Vanguard to Fidelity (probably)

Calygos wrote:
tj wrote:VBIAX is certainly sufficient if that is the AA you want. With Vanguard, you get the securities lending income, Fidelity, probably keeps it for themselves.


I'm not sure what the bold part means. Can you clarify?



See:

https://www.bogleheads.org/wiki/Securities_lending
by tj
Mon Mar 20, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 5336

Re: Moving from Vanguard to Fidelity (probably)

It seems like a bunch of work for very small gains. The .5% on the rewards card will make some difference. The problem is you have to spend and spend to reap the rewards. How about just spend 5% less and you will gain more than the extra .5%. These moves violate my "don't just do something, st...
by tj
Mon Mar 20, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Allocation % for alternative savings robo account?
Replies: 9
Views: 515

Re: Allocation % for alternative savings robo account?

They did give a recommendation. They recommend the safety net goal of 40/60. I'm not really looking at it as a safety net emergency fund though. That's why I was thinking about going 70/30. Maybe I'm being to aggressive for a savings account alternative. I don't mind the fee with betterment. I love...
by tj
Mon Mar 20, 2017 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 5336

Re: Moving from Vanguard to Fidelity (probably)

VBIAX is certainly sufficient if that is the AA you want. With Vanguard, you get the securities lending income, Fidelity, probably keeps it for themselves.
by tj
Sat Mar 18, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Guidelines for when to get a new credit card?
Replies: 16
Views: 1453

Re: Guidelines for when to get a new credit card?

I would go for the USAA limitless cashback card instead. 2.5% cashback on ALL purchases. It's not available in all states, but is available in MN where OP is from! That would be an easy upgrade to the 1% card they have currently. Anyone have any experience with trying to upgrade their USAA card? As...
by tj
Fri Mar 17, 2017 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Guidelines for when to get a new credit card?
Replies: 16
Views: 1453

Re: Guidelines for when to get a new credit card?

Nummerkins wrote:I would go for the USAA limitless cashback card instead. 2.5% cashback on ALL purchases.


It's not available in all states, but is available in MN where OP is from! That would be an easy upgrade to the 1% card they have currently.
by tj
Tue Mar 14, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing Tax-Advantaged Savings when only working for part of the year
Replies: 16
Views: 850

Re: Maximizing Tax-Advantaged Savings when only working for part of the year

For the HSA, you may only contribute for the months you are covered by a HSA-qualifying HDHP. So if you are only covered by a HSA-qualyfing HDHP for the last few months of the year, the contribution limit will be prorated. Best, ICM Don't know it off the top of my head, but htere's an exception. We...
by tj
Mon Mar 06, 2017 10:52 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1830
Views: 1053838

Re: The Three-Fund Portfolio

Setting up a brand new taxable investment portfolio at Fidelity. Definitely wanna keep it simple and just go with the 3fund asset allocation. Can some one help me understand the difference between Fidelity Total International Index(https://fundresearch.fidelity.com/mutual-funds/composition/31635V66...
by tj
Fri Mar 03, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Residency in Nevada for Windfall
Replies: 11
Views: 2023

Re: Residency in Nevada for Windffall

MP123- Yes, my friend is aware that he will need to pay capital gains (after claiming 250k exemption)on selling his house in CA regardless of his residency. sperry8- thanks for link If he sells the CA house by June 2017 and move in Nevada in July 2017, can he claim Nevada residency for 2017 even th...
by tj
Fri Mar 03, 2017 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Short Term Bond Fund Advice
Replies: 6
Views: 948

Re: Short Term Bond Fund Advice

You might want to look at Vanguard Ultra Short Term Bond Fund. The yield will be less than the other short term bond funds. However, in a rising interest rate environment, it will not decline as much. For a 10 to 12 month time frame, it seems to be more appropriate than a short term fund. Wouldn't ...
by tj
Thu Mar 02, 2017 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Moving away from Betterment
Replies: 13
Views: 1182

Re: Moving away from Betterment

Yes. You don't need to let them manage your entire portfolio to benefit from TLH. Betterment uses a short list of funds, and just make sure you don't own those outside of Betterment. Since you already have a simple portfolio, and Vanguard offers many indexes and funds of funds, this should be easy....

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