Search found 41 matches

by GoPackGo
Wed Oct 30, 2019 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 72
Views: 5696

Re: Uber VISA rewards cut

The Uber VISA email about the changes reads: "When you earn rewards with your Uber Credit Card, starting with your billing period in February 2020, they’ll come in the form of Uber Cash." My bill cycle runs the 6th of the month thru the 5th of the following month so I'm interpreting the February bi...
by GoPackGo
Tue Oct 29, 2019 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 72
Views: 5696

Re: Uber VISA rewards cut

Another option is the Chase AARP Credit Card . 3% groceries 3% gas stations 1% anything else You don't need to be an AARP member. I like this over the Wells Fargo Propel because there is no minimum on the rewards redemption amount on the Chase card, while the Wells Fargo card has a $25 minimum in $2...
by GoPackGo
Thu Oct 10, 2019 10:11 pm
Forum: Investing - Theory, News & General
Topic: 2017 Relative Tax Efficiency
Replies: 140
Views: 36945

Re: 2017 Relative Tax Efficiency

Is it just me, or is there is a flaw in the numbers used for the "Dividend Distribution per Share" for the international funds/ETFs? For example, for VXUS, it is showing the distribution after foreign taxes have been removed, whereas it should be adding the foreign tax back in since we pay US taxes...
by GoPackGo
Thu Oct 10, 2019 9:59 pm
Forum: Investing - Theory, News & General
Topic: What's a way to determin what is tax-efficient?
Replies: 14
Views: 1559

Re: What's a way to determin what is tax-efficient?

triceratop's tax efficiency spreadsheet is pretty useful. You would have to update the numbers yourself if you want recent data.
viewtopic.php?t=242137
by GoPackGo
Thu Oct 10, 2019 7:19 pm
Forum: Personal Investments
Topic: $0 commissions; so what's the best bond ETF? and why?
Replies: 20
Views: 1841

Re: $0 commissions; so what's the best bond ETF? and why?

DonIce wrote:
Thu Oct 10, 2019 3:55 pm
AGG has intrinsically outperformed BND and SCHZ over the last 8 years by more than the various other factors discussed here

link
And it gets tighter if you change the time period to month-to-month. :D
by GoPackGo
Wed Oct 02, 2019 10:03 am
Forum: Investing - Theory, News & General
Topic: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades
Replies: 49
Views: 5428

Re: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades

Awesome! I have my HSA investment account at TD Ameritrade and was buying SPTM, SPDW, and SPEM in the proper ratios to mimic Total World without have to pay commission. Now I can just buy VT. Is there any reason to sell my SPTM, SPDW, and SPEM to buy VT? I don't think so. VT has a higher price, so ...
by GoPackGo
Tue Oct 01, 2019 10:40 pm
Forum: Investing - Theory, News & General
Topic: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades
Replies: 49
Views: 5428

Re: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades

whodidntante wrote:
Tue Oct 01, 2019 10:05 pm
The moderators are going to be busier than a San Francisco 49'ers punter merging all these Great Interactive Brokening of 2019 threads.
Are you saying they won’t be busy? The 49’ers actually have the fewest number of punts per game so far this season: Source :sharebeer
by GoPackGo
Wed Sep 04, 2019 9:37 pm
Forum: Personal Investments
Topic: Series I bonds - question about compounding interest
Replies: 18
Views: 1801

Re: Series I bonds - question about compounding interest

Nowizard wrote:
Wed Sep 04, 2019 6:24 pm
Looked at some today. 10,000K bond purchased in February 2006 has current value of $15,500+. Not too great at about 4% annualized.

Tim
These days that 1% fixed rate looks pretty sweet though. :wink:
by GoPackGo
Sat Jun 08, 2019 4:26 pm
Forum: Personal Investments
Topic: Re: Treasury Direct website down all day
Replies: 13
Views: 847

TreasuryDirect is unavailable

Trying to login to TreasuryDirect.gov, after I provide my Account Number I get a message saying:
TreasuryDirect is unavailable.
We apologize for the inconvenience and ask that you try again later.
Just a PSA/venting and making sure it's not just me. :wink:
by GoPackGo
Thu May 02, 2019 6:51 pm
Forum: Personal Investments
Topic: Using 0% credit card balance transfers for additional investment capital
Replies: 15
Views: 1523

Re: Using 0% credit card balance transfers for additional investment capital

I recently did this. Got a ~15 mo. 0% balance transfer with a 1% fee on a credit card I no longer use that they let me just deposit into my bank account. I figured screw it, I'll take it and put it in a 1 year CD, then when the CD matures, pay it off. I won't profit much, I was just sort of curious ...
by GoPackGo
Fri Apr 26, 2019 10:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Lowers 21 ETF Expense Ratios
Replies: 76
Views: 8617

Vanguard Lowers 21 ETF Expense Ratios

Lower expense ratios on 21 Vanguard ETFs means more savings for you

Details in the Vanguard blog post linked to above.

(If there is some other thread on this, I honestly looked but couldn't find one.)
by GoPackGo
Mon Apr 22, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 35147

Re: How did you feel about your 2018 tax returns?

Below are my numbers: 2017 effective federal tax rate: 14.12% 2018 effective federal tax rate: 12.98% If there was no TCJA (2018 income w/ 2017 tax laws) effective federal tax rate: 15.77% I agree with others, the long length of the 1040 kind of sucks when reviewing what the tax software did. The am...
by GoPackGo
Fri Mar 29, 2019 6:31 pm
Forum: Personal Investments
Topic: Vanguard Target Retirement Fund Expense Ratio
Replies: 6
Views: 864

Re: Vanguard Target Retirement Fund Expense Ratio

Note, though, that once you have a mere $3k, a portfolio of the Admiral shares versions of the funds underlying the Target Date funds has about half the expense ratio (0.15% to 0.7%, using VFORX/2040 as the example). You would need about $65,000 to do Admiral Shares of each underlying fund in VFORX...
by GoPackGo
Sat Mar 16, 2019 11:44 am
Forum: Investing - Theory, News & General
Topic: International Bonds - foreign tax credit?
Replies: 9
Views: 814

Re: International Bonds - foreign tax credit?

You get the credit, but only to the extent that foreign countries withheld tax, which seems to be very low. According to Total International Bond Index Fund 2018 foreign tax credit worksheet , the 2018 foreign tax credit on Total International Bond Index was 0.199% of the dividend, versus 7-11% for...
by GoPackGo
Wed Mar 06, 2019 9:44 pm
Forum: Personal Investments
Topic: Bonds in taxable vs tax-exempt accounts and growth of account
Replies: 17
Views: 1601

Re: Bonds in taxable vs tax-exempt accounts and growth of account

This uses 2017 data, but triceratop's Relative Tax Efficiency thread has a useful Google Docs spreadsheet that you can play with to calculate tax efficiency with your tax rates.
by GoPackGo
Tue Feb 12, 2019 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 35147

Re: Smaller tax refunds this year? Clear explanation please

First of all, more than 40% of American families do not pay any income taxes. Any income taxes or any federal income taxes? This was from 2015: The Tax Policy Center has updated its estimate of the percentage of households that will not pay federal income tax this year. We now figure it is 45.3 per...
by GoPackGo
Tue Feb 12, 2019 12:09 am
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 35147

Re: Smaller tax refunds this year? Clear explanation please

In my case, single filer, ~$74k in income (in 2018, made less in 2017):
2017 effective tax rate: 14.1%
2018 effective tax rate: 13.0%
2018 income with 2017 tax laws effective tax rate: 15.8%

By my calculation, the TCJA reduced my federal income tax burden by $2,071.
by GoPackGo
Wed Feb 06, 2019 9:33 pm
Forum: Personal Investments
Topic: 401K fees
Replies: 11
Views: 755

Re: 401K fees

My fees are pretty low as well. I have 100% of my 401(k) in Vanguard Target Retirement 2055 Trust II which has an expense ratio of 0.08% plus a $7 or $8/mo. fixed "401(k) Fee Allocation". In 2018 that totaled $90. At my balance at the start of January 2018 that $90 was 0.2209% of the balance and by ...
by GoPackGo
Mon Jan 28, 2019 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Unpleasant surprise 2018 Federal Tax - high level overview?
Replies: 114
Views: 16797

Re: Unpleasant surprise 2018 Federal Tax - high level overview?

FYI, here was one of the articles: https://www.npr.org/2018/08/01/634474267/more-taxpayers-will-owe-the-irs-in-april-due-to-under-withholding-report-says . However I think a LOT of people missed this, and will be unhappy now that tax season is here (which is why the IRS is adjusting the payment lim...
by GoPackGo
Sun Jan 27, 2019 12:39 pm
Forum: Investing - Theory, News & General
Topic: 2017 Relative Tax Efficiency
Replies: 140
Views: 36945

Re: 2017 Relative Tax Efficiency

I added BNDX (I think I put the numbers in correctly for 2017). Below is what I came up with for my tax rates using the 2017 tax rates: Personal Tax Information Federal Marginal Tax Rate 0.25 QDI Tax Rate 0.15 State Tax Rate 0.0627 Ticker VTI BNDX VXUS BND Expense Ratio 0.04 0.11 0.11 0.05 Dividend ...
by GoPackGo
Sat Jan 26, 2019 10:05 pm
Forum: Investing - Theory, News & General
Topic: 2017 Relative Tax Efficiency
Replies: 140
Views: 36945

Re: 2017 Relative Tax Efficiency

Awesome spreadsheet! Would be interesting to see BNDX added as well. According to Finstead, BNDX may be more tax efficient than VXUS? :confused

VTI (0.49% tax cost ratio)
BNDX (0.77% tax cost ratio)
VXUS (0.81% tax cost ratio)
BND (1.07% tax cost ratio)
by GoPackGo
Mon Jan 21, 2019 10:28 pm
Forum: US Chapters
Topic: Join the Wiki!
Replies: 63
Views: 65649

Re: Join the Wiki!

Could I be added as a wiki editor, there is some updates about the iShares REIT fund I would like to update on https://www.bogleheads.org/wiki/Real_es ... ment_trust
by GoPackGo
Fri Jan 18, 2019 6:54 pm
Forum: Investing - Theory, News & General
Topic: 401K matching and front loading
Replies: 15
Views: 1306

Re: 401K matching and front loading

unstoppable wrote:
Fri Jan 18, 2019 3:56 pm
I'll just revert to my normal 5% withdrawal that seems to get me there throughout the year.
$19,000 / 5% = $380,000 :shock:
:sharebeer
by GoPackGo
Sun Jan 06, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Vanguard Statements - Print or Electronic
Replies: 47
Views: 3173

Re: Vanguard Statements - Print or Electronic

For those that backup financial statements to the cloud, what service do you use, Dropbox, Google Drive, something else?
by GoPackGo
Sat Jan 05, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Low flow shower head
Replies: 42
Views: 2631

Re: Low flow shower head

I’ve bought these a few times, http://www.highsierrashowerheads.com/ . Just the basic ones (closest now I guess would be the “Classic Plus”), they’ve added different models that I haven’t tried yet. They may not look particularly great but they don’t use much water, but doesn’t feel like there is le...
by GoPackGo
Tue Jan 01, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Cable TV renewal
Replies: 32
Views: 2506

Re: Cable TV renewal

We don't subscriobe any streaming service (Youtube,HULU,Netflix,EPiC,ATT) but can watch globally any stream without commercials with about 1 hour delay from actual broadcast time. Thus, just an example. when CBS airs a show, Canada often airs the same show 2 hours before USA so we can watch 60-minu...
by GoPackGo
Wed Dec 26, 2018 5:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1980
Views: 206862

Re: U.S. stocks continue to soar!

Interestingly, in terms of percentage gains, today's 4.96% is not even close to the top 20 biggest percentage gains in a single trading day. The single best day was 3/15/1933 with an incredible 16.61% gain. The 20th best day was 11/10/1932 at +7.51%. Data are from https://us.spindices.com/indexolog...
by GoPackGo
Thu Dec 20, 2018 10:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement Funds page broken?
Replies: 3
Views: 383

Re: Vanguard Target Retirement Funds page broken?

I don't know what it did before. Using two different Mac OS X browsers, Apple's own Safari, and Firefox, this is what I see. When I mouse over a colored bar, the name of a fund pops up. That's it. I don't need to click, the fund name simply pops up as the cursor slides over bar, or the area above t...
by GoPackGo
Thu Dec 20, 2018 9:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement Funds page broken?
Replies: 3
Views: 383

Vanguard Target Retirement Funds page broken?

Can anyone else use the fund picker based on your birth year on https://investor.vanguard.com/mutual-funds/target-retirement/ toward the bottom? This used to work fine, but now nothing happens when I click on any of the funds. I'm not sure if it's just some browser addon that's blocking it on my sid...
by GoPackGo
Sat Dec 15, 2018 10:41 pm
Forum: Investing - Theory, News & General
Topic: How do you know when dividend/interest is paid from a mutual fund?
Replies: 13
Views: 1430

Re: How do you know when dividend/interest is paid from a mutual fund?

They update this page every once in a while: https://investornews.vanguard/upcoming-capital-gains-information/ Here's a pdf of the upcoming one: https://vanguard.com/pdf/RET891511_122018_final.pdf Thanks, JustinR! I also found something under Investing -> Stocks & other ETFs, then clicking on "Sign...
by GoPackGo
Sat Dec 15, 2018 9:07 pm
Forum: Investing - Theory, News & General
Topic: How do you know when dividend/interest is paid from a mutual fund?
Replies: 13
Views: 1430

Re: How do you know when dividend/interest is paid from a mutual fund?

Does someone have a link to the Vanguard distribution date announcements, I looked around and can’t find them anywhere, just historical dates.

And for account alerts, in Vanguard I only see alerts for buying, selling, or exchanging funds, nothing for distributions.
by GoPackGo
Sat Dec 15, 2018 8:09 pm
Forum: Investing - Theory, News & General
Topic: How do you know when dividend/interest is paid from a mutual fund?
Replies: 13
Views: 1430

Re: How do you know when dividend/interest is paid from a mutual fund?

livesoft wrote:
Sat Dec 15, 2018 7:41 pm
All my investments have told me ahead of time when dividends and interest payments are made, so I have never been surprised by a transaction.
Does Vanguard do that? From searching around, it seems like they only announce a dividend distribution a day in advance?
by GoPackGo
Sat Dec 15, 2018 7:35 pm
Forum: Investing - Theory, News & General
Topic: How do you know when dividend/interest is paid from a mutual fund?
Replies: 13
Views: 1430

How do you know when dividend/interest is paid from a mutual fund?

For example VTSAX has quarterly distributions, VTIAX has quarterly distributions, and VBTLX has monthly distributions. Do you get notifications from your brokerage when a distribution hits your settlement account? Does Vanguard have any way of telling you when it happens or do you just need to keep ...
by GoPackGo
Thu Nov 29, 2018 5:42 pm
Forum: Investing - Theory, News & General
Topic: Bogle Sounds a Warning on Index Funds
Replies: 103
Views: 22404

Re: WSJ: Bogle Sounds a Warning on Index Funds

The story is behind a paywall... so most people won't be able to read it. On Reddit someone posted a link with the article from outline.com. I don't know if there are any forum rules that I would be breaking by linking to it seeing how it gets around the paywall. If there is no rule against it, I'l...
by GoPackGo
Thu Nov 29, 2018 5:34 pm
Forum: Investing - Theory, News & General
Topic: Bogle Sounds a Warning on Index Funds
Replies: 103
Views: 22404

WSJ: Bogle Sounds a Warning on Index Funds

[Thread merged into here, see below.--admin LadyGeek]

https://www.wsj.com/articles/bogle-soun ... 1543504551

I'm dying to hear everyone's thoughts.
by GoPackGo
Wed Nov 07, 2018 7:22 am
Forum: Personal Investments
Topic: Boglehead-ing with an Inherited Wells Fargo IRA
Replies: 5
Views: 623

Re: Boglehead-ing with an Inherited Wells Fargo IRA

They are, but there is a $35 transaction fee with Vanguard funds.
by GoPackGo
Tue Nov 06, 2018 8:04 pm
Forum: Personal Investments
Topic: Boglehead-ing with an Inherited Wells Fargo IRA
Replies: 5
Views: 623

Boglehead-ing with an Inherited Wells Fargo IRA

My dad inherited part of my grandpa's 401(k) last year, which became an inherited IRA for him. The assets are < $30k, so it's not a game changing amount. My dad wasn't really interested in being too hands-on, so he just let the Wells Fargo finanical advisor put the money in whatever the financial ad...
by GoPackGo
Sun Jan 01, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 22924

Re: Sallie Mae Rewards MC being discontinued

I am little confused. Are these cards valid until 1-Mar or we can redeem rewards by 1-Mar and after 1-Mar all rewards will be forfeited? My understanding was that rewards will be accumulated until 1-Mar and then will be transferred to the next card. Is that not true? Regards, Amit They letter speci...
by GoPackGo
Wed Dec 23, 2015 1:31 pm
Forum: US Chapters
Topic: Suggestions for the Wiki
Replies: 461
Views: 320454

Re: Suggestions for the Wiki

Since I'm not allowed to use the private message function of the forum yet (just joined), I'll post here. The link for "How Much Can I Contribute?" in https://www.bogleheads.org/wiki/Thrift_Savings_Plan#Matching leads to a 404 error page, it should be updated to https://www.tsp.gov/PlanningTools/Cal...