Search found 1654 matches

by tj
Sat Apr 30, 2016 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Are females just not interested in investing in general or is it just the women that I date?
Replies: 89
Views: 8609

Re: Are females just not interested in investing in general or is it just the women that I date?

I think you are getting worked up over nothing. It sounds like when you introduced her about investing, she got into it. That's good. I actually recently dated a very beautiful woman who I originally assumed must be spending a lot more than me to fund her lifestyle. As I got to know her and observed...
by tj
Wed Apr 20, 2016 3:36 pm
Forum: Investing - Theory, News & General
Topic: Did Rick Ferri sell his firm?
Replies: 21
Views: 4460

Re: Did Rick Ferri sell his firm?

http://www.rickferri.com no longer exists - redirects to PortfolioSolutions. I'm guessing the PortfolioSolutions robo platform was abandoned?

RIck is still mentioned in the ADV forms from last month though...
by tj
Fri Mar 25, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 69
Views: 16684

Re: Liking the new Citi CC at Costco

4% back on gas purchases at Costco and other gas stations (on up to $7,000 spent per year) PenFed has a 5% Cash Back Gas Card that does not have a spending maximum


As far as I know, you won't get 5% cashback on Costco gas, and COstco is significantly cheaper than everybody else.
by tj
Fri Mar 25, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 152
Views: 15827

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

Having the credit card companies pay you ridiculous bonuses is not stupid. I'm confused by the thraed here - are people saying the new card is not a true 2% cashback card?
by tj
Thu Mar 24, 2016 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 470
Views: 269851

Re: Mango prepaid card - 4.8% (effective) APY

There seem to have been some significant changes to both Mango and NetSpend during the month of January, in regards to the savings accounts anyway.


No changes with Netspend. It's still on auto-pilot, need to ACH a bucks every 2 months to avoid inactivity fees.
by tj
Tue Mar 15, 2016 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Recommend a personal finance talk radio show.
Replies: 38
Views: 3943

Re: Recommend a personal finance talk radio show.

Theres some good stuff at radicalpersonalfinance.com, but he goes off the rails sometimes.
by tj
Mon Mar 14, 2016 4:47 pm
Forum: Investing - Theory, News & General
Topic: Wellington/Total US Index overlap?
Replies: 9
Views: 1197

Re: Wellington/Total US Index overlap?

lack_ey wrote:Every stock in Wellington is in the total US index,



Not true. Wellington has Novartis among other foreign holdings.
by tj
Fri Mar 11, 2016 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: 5M Windfall, all in VTMFX? [Vanguard Tax-Managed Balanced Fund]
Replies: 40
Views: 5558

Re: 5M Windfall, all in VTMFX?

You could certainly do a lot worse!
by tj
Fri Mar 11, 2016 12:15 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Core Bond Fund opens to investors]
Replies: 107
Views: 13034

Re: [Vanguard Core Bond Fund opens to investors]

Seems like a lower cost DODIX. I'm intrigued.
by tj
Sat Feb 27, 2016 11:14 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 526
Views: 57638

Re: Free Windows 10 Upgrade, Yes or No?

I went to Windows 10 today. No issues so far. Appparently Symantec Endpoint Protection wasn't compatible with the upgrade, so I uninstalled it...and am using the free Windows Defender instead.
by tj
Wed Feb 17, 2016 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 97
Views: 14786

Re: Bank of America/Merrill Edge - Preferred Rewards

indexfundfan wrote:Wow, I didn't know of this "hidden" offer and the 200 free trades per month. I guess these are offered to the premium elite only?

See:

http://info.bankofamerica.com/preferred-rewards/


There's a certain number of free trades for each tier.
by tj
Sun Feb 14, 2016 6:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 612196

Re: U.S. stocks in freefall

I have to maintain a $100k average with Merrill Edge to hit Platinum Honors, so I just keep pumping $$$ into it out of my salary every couple weeks...it takes a lot of the emotion out of it I guess. :D Once you hit status, you keep it for 12 months even if your balance drops below. After 12 months,...
by tj
Thu Feb 11, 2016 8:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 612196

Re: U.S. stocks in freefall

I wasn't a member of this forum back in 2011, the last time a decline like this occurred (the 2011 decline was actually much worse than this one...so far). Where there a bunch of Broadstones and Visualguys around then too? I don't even remember the 2011 drop....which is how I hope to feel about thi...
by tj
Thu Feb 11, 2016 3:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 612196

Re: U.S. stocks in freefall

I have roughly 10x annual expenses including over a year's worth of expenses in 5% APY cash. How do you earn 5% on cash at present? Savings accounts that are attached to Prepaid Cards - Mango, NetSpend, Brinks, Ace Elite, and HEB are probably the most popular. Also have a Rewards Checking account t...
by tj
Thu Feb 11, 2016 1:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 612196

Re: U.S. stocks in freefall

the hope is that this will be irrelevant 20-30 years from now when i need the $$. Who knows what it will be like 20-30 years from now when you need the money. If you need to sell after a market crash at that time, things can be ugly. If US index behavior starts resembling ex-US index behavior more,...
by tj
Thu Feb 11, 2016 11:26 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 612196

Re: U.S. stocks in freefall

I have to maintain a $100k average with Merrill Edge to hit Platinum Honors, so I just keep pumping $$$ into it out of my salary every couple weeks...it takes a lot of the emotion out of it I guess. :D
by tj
Thu Feb 11, 2016 11:00 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 612196

Re: U.S. stocks in freefall

I don't really get the panic selling. i just bought more VT today! Are people literally concerned about their fund NAV's going all the way to $0.00 ? All selling now accomplishes is to realize a loss. Of course, it frustrates me that I didn't get in at the biggest drop of the day, but the hope is th...
by tj
Sat Feb 06, 2016 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Accelerating financial independence by living with father-in-law?
Replies: 26
Views: 2747

Re: Accelerating financial independence by living with father-in-law?

I've always found it strange that Intergenerational living is so taboo in Western American culture. So many of the Hispanics and Asians do it and it's perfectly normal. If you feel like it would be an imposition on your life, then don't go for it. If you think it would be a beneficial environment to...
by tj
Sat Feb 06, 2016 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 470
Views: 269851

Re: Mango prepaid card - 4.8% (effective) APY

All of my bank account bonuses have been 1099-Int. The only exception was (Capital One) ShareBuilder which showed up on a 1099-Misc
by tj
Mon Jan 25, 2016 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Online Tax Service..H&R Block
Replies: 4
Views: 478

Re: Online Tax Service..H&R Block

I do it. I'm not worried about it. IT beats having to type it all in!
by tj
Wed Jan 20, 2016 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Market down - lost alot of $ - nervous..
Replies: 60
Views: 7124

Re: Market down - lost alot of $ - nervous..

You only "lose" the $$ if you sell it. I wouldn't.

Some of the shares of VT I bought this morning gained 2% by the end of the day. Crazy day!
by tj
Wed Jan 20, 2016 12:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 612196

Re: U.S. stocks in freefall

I had filled up the Roth accounts of my wife's and mine until last Friday. I will buy more in taxable account when S&P is down 20%, and again at -30%. In my opinion, you just do what you believe in. How do you know that it is going to -20% and -30% before it goes +20% or +30%? This sell-off see...
by tj
Tue Jan 19, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Best place to live in CA for a retiree
Replies: 27
Views: 2571

Re: Best place to live in CA for a retiree

Is there anywhere in the state that is cheaper than Sacramento / Fresno area ? I have no idea what you would do for entertainment, however. :)
by tj
Mon Jan 18, 2016 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Do index funds hedge against currency risk
Replies: 10
Views: 698

Re: Do index funds hedge against currency risk

I'd guess not simply because Vanguard US's foreign index funds do not hedge their equity.
by tj
Fri Jan 15, 2016 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off my bride's student loans
Replies: 72
Views: 5322

Re: Paying off my bride's student loans

Sometimes emotions are more important than the actual financials. As they say, happy wife, happy life. Maybe you could refi now that she has your income in addition to her own? It would be weird to say, honey, don't forget your student loan payment is due today, you going to write me a check or pay...
by tj
Fri Jan 15, 2016 12:39 pm
Forum: Investing - Theory, News & General
Topic: I'm sitting here watching FOX Business...14200??
Replies: 92
Views: 7991

Re: I'm sitting here watching FOX Business...14200??

I still have 20 years till retirement to make it up. LOL...and for those with 3-5 years they are SOL if they made the wrong decisions with their allocations. Well, I was speaking for myself but I get your point. I read a lot on this and other boards about sequence of returns risk; that 5 year perio...
by tj
Fri Jan 15, 2016 12:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 612196

Re: U.S. stocks in freefall

Is there any logic for this recent seemingly higher than normal volatility? A lot of "big" gains and drops these past few weeks...
by tj
Thu Jan 14, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: Medical Insurance for New Zealand Working Holiday Visa
Replies: 5
Views: 466

Re: Medical Insurance for New Zealand Working Holiday Visa

If he getting the visa through BUNAC? If so, he should be able to get insurance through them.

http://www.bunac.org/usa/work-abroad/wo ... -and-costs
by tj
Thu Jan 14, 2016 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 306
Views: 68330

Re: Share your networth progression

I always see the inverse relationship of those who want to retire extremely early vs those who have the assets to do so. If you are the type of person who does not like working and would prefer to spend your time traveling, exploring, etc, you seem much less likely to have the wealth to do so. If y...
by tj
Thu Jan 14, 2016 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 306
Views: 68330

Re: Share your networth progression

I always see the inverse relationship of those who want to retire extremely early vs those who have the assets to do so. If you are the type of person who does not like working and would prefer to spend your time traveling, exploring, etc, you seem much less likely to have the wealth to do so. If y...
by tj
Wed Jan 13, 2016 3:36 pm
Forum: Investing - Theory, News & General
Topic: Have Vanguard's active funds added value
Replies: 32
Views: 4139

Re: Have Vanguard's active funds added value

Two issues with this.

1.) The table used the Investor Shares classes, not Admiral shares, presumably reducing the Vanguard active funds returns slightly.

2.) The analysis neglected to take into consideration that the DFA funds generally require extra bps for adviser compensation.
by tj
Tue Jan 12, 2016 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 306
Views: 68330

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 Jan 12, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 25263

Re: Credit Card Rewards (Travel)

IMO, the fear of closing cards is a bit overrated. I've had cards closed on me for inactivity. It's a non-issue.
by tj
Tue Jan 12, 2016 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 25263

Re: Credit Card Rewards (Travel)

I too have Chase Freedom and Chase Sapphire Preferred. I am planning to keep the CSP even after the annual fee kicks in as a holder of my Ultimate Reward points. Why keep it? You can keep the points to redeem for cash or gift cards if you have a freedom. Or you can transfer them out to an airline o...
by tj
Sun Jan 10, 2016 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 25263

Re: Credit Card Rewards (Travel)

I dont see much value in the hotel cards myself. I guess I would do the starwood amex to convert to American miles, but I already have plenty of American miles from the American cards and the old US Airways card.
by tj
Thu Jan 07, 2016 11:04 am
Forum: Investing - Help with Personal Investments
Topic: How to Tax Loss Harvest an ETF ?
Replies: 1
Views: 127

How to Tax Loss Harvest an ETF ?

is there a post on this somewhere? Thanks to this December/January fun, I have some noticeable losses in my Vanguard ETF's at Merrill Edge. The question is, if I were to sell an ETF, do I have to wait for the cash to clear from that trade before i can buy the TLH pair? Unfortunately the only option ...
by tj
Sat Jan 02, 2016 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 470
Views: 269851

Re: Mango prepaid card - 4.8% (effective) APY

If you have 3 of the original netspends, then you are capped out on MetaBank-backed cards and you can't get an ACE or Western Union. You can only add Brinks or HEB to the original Netspend.

No reason to get ACE or Western Union if you have 3 netspends.
by tj
Wed Dec 30, 2015 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 470
Views: 269851

Re: Mango prepaid card - 4.8% (effective) APY

as long as they remain competitive The main point of my question is, in the long term of 5, 10, or more years, are they really competitive with a ~7% VTSAX CAGR? It's clear that the risk-adjusted return for 2-3 years is better for a 5% FDIC account than for VTSAX. But in the long term, I'm concerne...
by tj
Wed Dec 30, 2015 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 470
Views: 269851

Re: Mango prepaid card - 4.8% (effective) APY

I've been wondering, what is the end game for a Boglehead with these accounts in a low rate environment and 15% tax bracket? Once I don't need them for the separate-from-my-portfolio house fund, they sure would make a nice "bond" allocation for the long term, despite being in a taxable ac...
by tj
Tue Dec 29, 2015 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Excess Cash - Play Monopoly or Repay Debt?
Replies: 94
Views: 9667

Re: Excess Cash - Play Monopoly or Repay Debt?

Congrats on eradicating your consumer debt.
by tj
Mon Dec 28, 2015 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 470
Views: 269851

Re: Mango prepaid card - 4.8% (effective) APY

ved wrote:Does anyone know if we will get 1099 INTs for each account (Mango & NetSpend) separately, if at all?



I would assume so, or at least one per bank.
by tj
Sun Dec 27, 2015 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: 5%&up return and 0 risk tolerance, are there options?
Replies: 65
Views: 3461

Re: 5%&up return and 0 risk tolerance, are there options?

There are several prepaid cards with savings accounts that net you 5% FDIC insured after fees on up to $5k each. It's all automated after initial setup.

- Netspend
- Brinks
- Ace Elite
- Mango

See http://thefinancebuff.com/netspend-5-pe ... count.html
by tj
Sun Dec 27, 2015 12:03 am
Forum: Investing - Theory, News & General
Topic: Why did VDIGX pay out 30% more this year than any previous year?
Replies: 21
Views: 2524

Re: Why did VDIGX pay out 30% more this year than any previous year?

Upon further research, the answer to the OP's question is probably due to the fund's ownership of Medtronic. Mairs & Power had similar unusually huge capital gain distribution because of the Covidien/Medtronic acquisition. See: http://mairsandpower.com/images/Balanced_Fund_Cap_Gain_Website_Note....
by tj
Thu Dec 24, 2015 12:03 pm
Forum: Investing - Theory, News & General
Topic: Part 2 of the perfect storm post, how to increase EXPECTED returns
Replies: 118
Views: 10108

Re: Part 2 of the perfect storm post, how to increase EXPECTED returns

if he is suggesting that the lower suggested returns would mean that alternate investments would be moved to, thus he doesn't believe in these forecasts?


That's exactly my interpretation of his posts in this thread.
by tj
Wed Dec 23, 2015 3:35 pm
Forum: Investing - Theory, News & General
Topic: Why did VDIGX pay out 30% more this year than any previous year?
Replies: 21
Views: 2524

Re: Why did VDIGX pay out 30% more this year than any previous year?

... If someone knows this is wrong they can set me straight. Portfolio managers can rack up steep expenses buying and selling securities, but that burden isn't reflected in a fund's standard expense ratio. ... PJW That's obviously going to be less of an issue in low-turnover funds like VDIGX, VEIRX...
by tj
Wed Dec 23, 2015 1:22 pm
Forum: Investing - Theory, News & General
Topic: Part 2 of the perfect storm post, how to increase EXPECTED returns
Replies: 118
Views: 10108

Re: Part 2 of the perfect storm post, how to increase EXPECTED returns

EmergencyDoc You seem to be forgetting a few important issues with individual properties, like all the headaches and time involved in being a manager of the property and dealing with tenants and repairs, etc. At very least a cost should be imposed for those issues. And of course the inability to br...
by tj
Wed Dec 23, 2015 12:00 pm
Forum: Investing - Theory, News & General
Topic: Why did VDIGX pay out 30% more this year than any previous year?
Replies: 21
Views: 2524

Re: Why did VDIGX pay out 30% more this year than any previous year?

It still isn't because it means they have been selling and buying, and that costs money, about 1% per 100% turnover, and that cost is not reported in the ER.


How are coming to the conclusion that the fund's brokerage expenses are not included in the ER ?
by tj
Tue Dec 22, 2015 10:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard to Launch Active "Core" Total Bond Fund
Replies: 49
Views: 6372

Re: Vanguard to Launch Active "Core" Total Bond Fund

That is very different from this new one, which McNabb is saying, outright, "will seek to outperform." I don't like that. This doesn't bother me so much, as basically every active fund is seeking to outperform it's benchmark. I'm intrigued about this fund and will be watching it when it l...
by tj
Tue Dec 22, 2015 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Index - Distribution
Replies: 15
Views: 2530

Re: Total Stock Market Index - Distribution

my VTSAX dividends showed up in my linked checking account this morning.
by tj
Mon Dec 21, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: Use Citi® / AAdvantage Points For Something Besides Travel?
Replies: 14
Views: 837

Re: Use Citi® / AAdvantage Points For Something Besides Travel?

You can use whatever card you want, just can't register the same card at more than one.

https://aa.rewardsnetwork.com/


https://mpdining.rewardsnetwork.com/

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