Search found 1736 matches

by tj
Sun Feb 19, 2017 11:49 pm
Forum: Investing - Theory, News & General
Topic: Primecap Admiral Fund VPMAX
Replies: 13
Views: 771

Re: Primecap Admiral Fund VPMAX

The only way to get into the Vanguard PRIMECAP funds today would be if you're Flagship. Alternatively, POGRX and POSKX are still open.

Higher fees though:

http://primecap.com/index.html
by tj
Sun Feb 19, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Progress Made - What Now? (Pay off cheap mtg or invest)
Replies: 22
Views: 1922

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

To me the answer is OBVIOUS. Your taxable brokerage is super tiny! So I'd focus on boosting that to at least $100,000 and then re-evaluate. Yeah, you're pretty leveraged, but with all that excess cash flow you have, you can always transfer cash flow from going towards boosting your taxable investmen...
by tj
Sun Feb 19, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lifestrategy VS IRA
Replies: 12
Views: 875

Re: Vanguard Lifestrategy VS IRA

Any thought on the 80/20 life strategy versus Total Stock Market Fund? I don't want to be foolish but I also get overwhelmed and know something is better than nothing, and it isn't like it's a BAD idea (right?) Do you want to own international bonds and stocks? Do you want US bonds? If you only wan...
by tj
Sun Feb 19, 2017 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lifestrategy VS IRA
Replies: 12
Views: 875

Re: Vanguard Lifestrategy VS IRA

If you are in a low tax bracket, the LifeStrategy fund is probably good enough. If it's the choice between a balanced fund or not investing, certainly I'd go with the balanced fund every time.
by tj
Sun Feb 19, 2017 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Leaving Vanguard Personal Advisory program
Replies: 17
Views: 2303

Re: Thinking of Leaving Vanguard Personal Advisory program

BTW, the fee is 0.30%, not 0.03%. I just put my father into this program as he is over 85 and knew he needed the help. I think the service is very well worth it for him. But he is being quoted .2% fee. Are there multiple PAS services?? See the brochure below. The lowest is 5 bps for accounts > 25 m...
by tj
Sat Feb 18, 2017 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: What is the equiv. to VASIX Life Strategy Income but without international, Balanced Index plus Total Bond, Other??
Replies: 16
Views: 876

Re: What is the equiv. to VASIX Life Strategy Income but without international, Balanced Index plus Total Bond, Other??

[ The difference in tax between the two scenarios comes in the bond position. For Scenario A, the bond income for 2016 from dividends from the Total Bond fund would have been $77.4K, all of which would have been taxed at ordinary income rates on your federal tax return. For Scenario B, the bond inc...
by tj
Sat Feb 18, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 294
Views: 31310

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

TDA sent me a 1099-misc and reported my $500 bonus as "other income." This information may be useful to someone. Also a data point, Scottrade reported it as 1099-Int. This makes me think it's safer to just assume all these things (taxable bonuses) will be reported (or reportable) as INT, ...
by tj
Sat Feb 18, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 294
Views: 31310

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

TDA sent me a 1099-misc and reported my $500 bonus as "other income." This information may be useful to someone. Also a data point, Scottrade reported it as 1099-Int. This makes me think it's safer to just assume all these things (taxable bonuses) will be reported (or reportable) as INT, ...
by tj
Sat Feb 18, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 294
Views: 31310

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

whodidntante wrote:TDA sent me a 1099-misc and reported my $500 bonus as "other income." This information may be useful to someone.


Also a data point, Scottrade reported it as 1099-Int.
by tj
Sat Feb 18, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: What is the equiv. to VASIX Life Strategy Income but without international, Balanced Index plus Total Bond, Other??
Replies: 16
Views: 876

Re: What is the equiv. to VASIX Life Strategy Income but without international, Balanced Index plus Total Bond, Other??

I think 50/50 between Wellesley and Balanced Index would probably be good enough. You wouldn't need to rebalance as it would take quite a bit of years for you to get to out of whack with say a 5% rebalancing band. The problem with Wellington is that they are close to 100 billion in assets. I like MA...
by tj
Sat Feb 18, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Donor-Advised Fund Providers, low fees/recommendations?
Replies: 2
Views: 121

Re: Donor-Advised Fund Providers, low fees/recommendations?

If you are passionate about supporting Nature Conservancy projects, that seems like a very cost-efficient move.What isn't clear to me is what you can invest your funds in. Do they use funds with huge loads in order to offer "no administration fees"? Or maybe it needs to just stay in cash a...
by tj
Sat Feb 11, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Netspend 1099's?
Replies: 15
Views: 2064

Re: Netspend 1099's?

I don't even know what intereste I received. I pulled everything out when tehy nerfed the cards from $5k @ 5% to $1k @ 5%. I got five 1099's across the five accounts and I'm pretty sure they didn't include any of the referral income. If it's a few $$$ extra iterest, I'd just declare it and pay the t...
by tj
Sat Feb 11, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Selling rental condo - capital gains even though selling at same price??
Replies: 14
Views: 636

Re: Selling rental condo - capital gains even though selling at same price??

This doesnt sound right to me. I understand that you need to use fmv as the basis for your rental depreciation calculation, but you dont just ignore your initial investment when you sell the asset. Two seperate things. It didn't "sound right" to me either. However, when I modeled the sale...
by tj
Sat Feb 11, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Selling rental condo - capital gains even though selling at same price??
Replies: 14
Views: 636

Re: Selling rental condo - capital gains even though selling at same price??

This doesnt sound right to me. I understand that you need to use fmv as the basis for your rental depreciation calculation, but you dont just ignore your initial investment when you sell the asset. Two seperate things. See link re when selling a converted residence you use original basis.: http://ww...
by tj
Thu Feb 09, 2017 10:40 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 294
Views: 31310

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

So this page says offer expired 12/31/16, but it's still active. https://www.merrilledge.com/offers/1000offer Anyone try it this year? If you'd tried clicking on the button to open an account rather than asking here, you would have noticed that it immediately told you that code LVEXPO16 had expired...
by tj
Wed Feb 08, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 203
Views: 33167

Re: Bank of America/Merrill Edge - Preferred Rewards

I did receive numerous calls and voice mails when I originally set it up. He eventually emailed me.I told him to cnotact me through email only. I also received some voice mails from Etrade, Ameritrade and Scottrade. I ignored them and they did not call again. If you would prefer to correspond via em...
by tj
Mon Feb 06, 2017 10:43 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 294
Views: 31310

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

So this page says offer expired 12/31/16, but it's still active. https://www.merrilledge.com/offers/1000offer Anyone try it this year? I need to roll over my 401k next month and I'm not sure I trust Vanguard to handle it correctly (part of it is a roth 401k), might as well take an incentive bonus an...
by tj
Fri Jan 27, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 294
Views: 31310

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

@Earl - out of curiosity, how long have you waited it in between Edge bonuses? Do the promo's apply to existing accounts? For example, I own 1 share of BRKB at Edge. It's all I currently have at Edge. Because it was free to buy it there. Should I transfer that somewhere else (or maybe even just sell...
by tj
Sun Jan 22, 2017 12:58 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 294
Views: 31310

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Earl Lemongrab wrote:
*3!4!/5! wrote:
tj wrote:Do all of the brokerages report the bonus income on 1099-misc? Or do some do 1099-int?
Good question. I'd like datapoints on this too.

Does it matter?



I believe Income from 1099-Int goes on a different line than income from 1099-misc, so, yes?
by tj
Sat Jan 21, 2017 6:20 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 294
Views: 31310

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Do all of the brokerages report the bonus income on 1099-misc? Or do some do 1099-int?
by tj
Fri Jan 06, 2017 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 203
Views: 33167

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: 40
Views: 5316

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: 40
Views: 5316

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: 28
Views: 2728

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: 28
Views: 2728

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: 61
Views: 6281

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: 2313

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: 1098

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: 2694

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: 294
Views: 31310

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: 76
Views: 7532

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: 98
Views: 21753

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: 294
Views: 31310

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: 5412

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: 76
Views: 7532

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: 2532

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: 76
Views: 7532

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: 121
Views: 12604

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: 294
Views: 31310

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: 461
Views: 109862

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: 23138

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: 294
Views: 31310

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: 23138

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: 294
Views: 31310

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: 294
Views: 31310

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: 596

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: 23138

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: 294
Views: 31310

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: 4017

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: 1532

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...

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