Search found 169 matches
- Thu Nov 12, 2020 3:22 pm
- Forum: Personal Investments
- Topic: Self Directed Plan Option - Schwab PCRA
- Replies: 3
- Views: 282
Re: Self Directed Plan Option - Schwab PCRA
My medical practice has the option of Schwab PCRA. I love it since I am comfortable making my own investment decisions. Not many elect to use it though but I love that it's an option for those that do.
- Wed Jul 29, 2020 8:50 pm
- Forum: Investing - Theory, News & General
- Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
- Replies: 7867
- Views: 770363
Re: HEDGEFUNDIE's excellent adventure Part II: The next journey
How is the tax cost ratio of UPRO and TMF lower than PTI? 0.15, 0.25, and .7 respectively. Are they appropriate for a taxable account?
- Sun Jul 19, 2020 8:18 pm
- Forum: Personal Finance (Not Investing)
- Topic: Obtaining my Credit Score online (without "enrolling" in something)
- Replies: 11
- Views: 927
Re: Obtaining my Credit Score online (without "enrolling" in something)
Credit Karma app.
- Tue Jun 23, 2020 7:54 pm
- Forum: Personal Investments
- Topic: IJS vs. SLYV for small value?
- Replies: 12
- Views: 813
Re: IJS vs. SLYV for small value?
Also, if you decide to go with VIOV later on, there's no tax consequence for exchanging in a Roth IRA. Either will serve you will. IJS vs. SLYV for small value in a Roth IRA? IJS, with an expense ratio of 25bps, would clearly be inferior to either VIOV or SLYV at 15bps. Does IJS still have the edge...
- Fri May 08, 2020 11:05 pm
- Forum: Investing - Theory, News & General
- Topic: Trading Baskets of Stocks
- Replies: 27
- Views: 1816
Re: Trading Baskets of Stocks
If you need the simplicity, Motif investing changes either $20 for real-time trades of a basket of stocks, or $10 if you're willing to be batched in with other trades. Motif is also going out of business. So.... I don’t recommend going that route. Schwab is buying Motif and they explicitly state it...
- Fri May 08, 2020 4:34 pm
- Forum: Investing - Theory, News & General
- Topic: Trading Baskets of Stocks
- Replies: 27
- Views: 1816
Re: Trading Baskets of Stocks
If you need the simplicity, Motif investing changes either $20 for real-time trades of a basket of stocks, or $10 if you're willing to be batched in with other trades. Motif is also going out of business. So.... I don’t recommend going that route. Schwab is buying Motif and they explicitly state it...
- Fri May 08, 2020 4:11 pm
- Forum: Investing - Theory, News & General
- Topic: Introducing Schwab Stock Slices™ – Designed to Make Investing Easier and More Accessible
- Replies: 45
- Views: 6332
Re: Introducing Schwab Stock Slices™ – Designed to Make Investing Easier and More Accessible
Schwab is buying Motif and they explicitly state it is so they can offer thematic investing and direct indexing. https://www.barrons.com/articles/charles-schwab-buys-motifs-technology-51588886300 https://riabiz.com/a/2020/5/7/to-leapfrog-ahead-in-direct-indexing-schwab-to-buy-motif-technology-and-hi...
- Fri Dec 20, 2019 5:46 pm
- Forum: Investing - Theory, News & General
- Topic: Schwab Announcement: "Intelligent Income"
- Replies: 22
- Views: 3313
Re: Schwab Announcement: "Intelligent Income"
I like letting Schwab robo-advisor customers as well as those asleep at the wheel on their non-robo account cash balances pay for all the goodies I get at Schwab. Just got a nice fat refund deposited of all ATM fees for pesos in Mexico a few weeks ago. :beer Which Schwab credit card gives you free ...
- Mon Nov 18, 2019 2:10 pm
- Forum: Investing - Theory, News & General
- Topic: Are individual stocks back on the table now that we have $0 commissions?
- Replies: 56
- Views: 4796
Re: Are individual stocks back on the table now that we have $0 commissions?
https://www.motif.com/products/direct-index-portfolios
Motif is now offering direct indexing of the S&P 500 with fractional shares.
Motif is now offering direct indexing of the S&P 500 with fractional shares.
- Fri Oct 18, 2019 4:39 pm
- Forum: Personal Investments
- Topic: Transfer ETF's in-kind from Vanguard to Schwab?
- Replies: 22
- Views: 1931
Re: Transfer ETF's in-kind from Vanguard to Schwab?
Just transferred VTI from VG to Schwab. Took 4 days. Pulled from Schwab (online request for account transfer).
- Thu Oct 17, 2019 7:49 pm
- Forum: Investing - Theory, News & General
- Topic: Schwab to allow fractional stock trading (WSJ)
- Replies: 50
- Views: 7184
Re: Schwab to allow fractional stock trading (WSJ)
When I read the article I assumed it would also apply to ETFs.Ferdinand2014 wrote: ↑Thu Oct 17, 2019 4:45 pm So Schwab is encouraging young people who don’t have enough money to buy 1 share of a stock to invest their money in individual stocks......
- Tue Oct 15, 2019 10:26 pm
- Forum: Personal Consumer Issues
- Topic: Where to stay in Maui?
- Replies: 24
- Views: 2373
Re: Where to stay in Maui?
We stayed at the Hyatt and it was amazing! Great pool, amazing food and service. Right on the water.
- Thu Sep 19, 2019 11:03 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard said to offer Digital Advisory Service [Robo-Advisor]
- Replies: 111
- Views: 11051
Re: Vanguard said to offer Digital Advisory Service
It's interesting that one of the criticisms of VPAS is that it's basically a target date fund and this brochure explicitly states that the allocation is often what you would find in their target date fund. The brochure is for Digital Advisor not VPAS. I realize that but it sounds like the asset all...
- Thu Sep 19, 2019 8:09 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard said to offer Digital Advisory Service [Robo-Advisor]
- Replies: 111
- Views: 11051
Re: Vanguard said to offer Digital Advisory Service
It's interesting that one of the criticisms of VPAS is that it's basically a target date fund and this brochure explicitly states that the allocation is often what you would find in their target date fund.
- Mon Aug 12, 2019 9:01 pm
- Forum: Personal Finance (Not Investing)
- Topic: Buying into Ambulatory Surgery Center +/- Real Estate
- Replies: 2
- Views: 587
Re: Buying into Ambulatory Surgery Center +/- Real Estate
Real estate can be subject to economic cycles independent of the business that operate within them. Healthcare has been good business so far but change seems to be "in the wind". What percentage of your investment assets does this real estate deal represent? It would be a significant perc...
- Mon Aug 12, 2019 8:28 pm
- Forum: Personal Finance (Not Investing)
- Topic: Buying into Ambulatory Surgery Center +/- Real Estate
- Replies: 2
- Views: 587
Buying into Ambulatory Surgery Center +/- Real Estate
I have the opportunity to buy into an Ambulatory Surgical Center (ASC). The buy in is basically the equivalent of the annual pre-tax dividends so it is a great investment. There is the opportunity to buy into the real estate portion of the ASC as well. This is about 260K and has a variable but histo...
- Sat Aug 10, 2019 11:19 am
- Forum: Personal Finance (Not Investing)
- Topic: Which Brokerage for solo 401k (to roll IRA into) pre Backdoor Roth
- Replies: 62
- Views: 2700
Re: Which Brokerage for solo 401k (to roll IRA into) pre Backdoor Roth
I agree. No one has given NThomas any problems, but I suspect he hasn't been audited yet. If an audit were to occur, I'd rather not be in the position of having to defend the legitimacy of my entire Solo 401k. Better to be safe and fix it in the manner that SpiritRider has suggested. Fair point, I ...
- Sat Aug 10, 2019 9:58 am
- Forum: Personal Finance (Not Investing)
- Topic: Which Brokerage for solo 401k (to roll IRA into) pre Backdoor Roth
- Replies: 62
- Views: 2700
Re: Which Brokerage for solo 401k (to roll IRA into) pre Backdoor Roth
Trust me. I’ve had Multiple phone calls with Schwab, including one today after I read the first post of someone telling me I couldn’t have both solo 401(k)s. The Schwab person assured me it was fine so long as it was for the same business. I definitely didn’t misunderstand anything. I’ll call them ...
- Wed Jul 03, 2019 7:33 pm
- Forum: Personal Finance (Not Investing)
- Topic: Vanguard account page new look and feel ?
- Replies: 10
- Views: 965
Re: Vanguard account page new look and feel ?
Not a fan of new format either. Vanguard CS told me to go to “My Accounts” on top menu bar and select “Balances and Holdings” which then displays info in old format. Agree. Seems kind of strange to have two different balance and holding pages. Why the discrepancy? Seems like an oversight with a poo...
- Sat Jun 08, 2019 6:19 pm
- Forum: Personal Investments
- Topic: Vanguard moving clients from mutual funds to ETFs?
- Replies: 34
- Views: 4608
Re: Vanguard moving clients from mutual funds to ETFs?
No they can convert to ETF w/o selling. The reverse (ETF to MF) would be taxable.Matt228822 wrote: ↑Sat Jun 08, 2019 5:45 pm Bump...curious how they would move the mutual funds to etfs in a taxable account? Wouldn’t they have to sell the mutual fund then buy the etf, triggering taxable event?
- Sat Jun 08, 2019 6:09 pm
- Forum: Investing - Theory, News & General
- Topic: Schwab IT advice was wrong
- Replies: 3
- Views: 1332
Re: Schwab IT advice was wrong
Thursday I contacted CS via real-time chat. My issue was with the CS mobile app for my iPadPro. I want to see more info when I look at my “Watch List” screen. I want to see Bid, Ask, Last,Dividend Amount, Div Yield, Ex-Dividend Date. You can’t edit the columns in this app. You only see symbol, name...
- Sun Apr 28, 2019 12:27 pm
- Forum: Personal Consumer Issues
- Topic: Wifi extenders vs Mesh network
- Replies: 54
- Views: 4853
Re: Wifi extenders vs Mesh network
We have 4 google mesh wifi points for a three story 5300 sq ft house with gigabit internet and it is perfect. Best internet I have ever had.
- Tue Apr 23, 2019 9:09 pm
- Forum: Personal Investments
- Topic: Schwab municipal bond funds.
- Replies: 5
- Views: 1102
Re: Schwab municipal bond funds.
IShares MUB is commission free now
- Wed Apr 17, 2019 2:40 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. Bank/Bancorp 100 free trades per year
- Replies: 19
- Views: 1113
- Wed Apr 17, 2019 12:36 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. Bank/Bancorp 100 free trades per year
- Replies: 19
- Views: 1113
U.S. Bank/Bancorp 100 free trades per year
US Bank/Bankcorp now offers 100 free trades per year for self-directed brokerage if you also have a Gold or Platinum checking account (I have the latter with the fees waved). Does anyone have any experience with this brokerage and any opinions they can offer? Trying to decide if it's worth it. TIA.
- Thu Mar 28, 2019 8:50 pm
- Forum: Investing - Theory, News & General
- Topic: Schwab switching to a subscription-based FP in its digital advisory service
- Replies: 22
- Views: 3194
Re: Schwab switching to a subscription-based FP in its digital advisory service
Wow, talk about slapping Vanguard across the face. I mean they were already lower cost that Vanguard but now they are even cheaper for those with larger accounts. The race to the bottom of costs continues. And for anyone who cares to actually do any real analysis the fixed income portion of Schwabs...
- Thu Mar 28, 2019 7:52 pm
- Forum: Investing - Theory, News & General
- Topic: Schwab switching to a subscription-based FP in its digital advisory service
- Replies: 22
- Views: 3194
Re: Schwab switching to a subscription-based FP in its digital advisory service
OK, is this correct? Assuming I have $1,000,000 to invest. If I used someone like Vanguard's Advisory Service that charges 0.30% AUM I'd be paying them $3,000 per year. If I used this new Schwab service I'd pay $360 per year ($30 per month)... plus the initial $300 start-up fee. Surely I'm missing ...
- Fri Mar 22, 2019 7:57 am
- Forum: Personal Finance (Not Investing)
- Topic: Line of Credit as Emergency Fund
- Replies: 21
- Views: 1276
Re: Line of Credit as Emergency Fund
Let's assume the OP has adequate taxable savings to cover the line of credit, but is choosing to keep those invested instead of in cash. So the issue is not being able to repay the loan promptly, but that it may require the sale of some investments at an undesirable price. That seems like a persona...
- Thu Mar 21, 2019 9:36 pm
- Forum: Personal Finance (Not Investing)
- Topic: Line of Credit as Emergency Fund
- Replies: 21
- Views: 1276
Re: Line of Credit as Emergency Fund
What if your emergency is job loss or a medical condition that requires cutting back at work? Liquidate that line of credit before they can close it? The only monthly payment required is the interest. Would give me time to pay it back. And liquidating investments that would have otherwise been tied...
- Thu Mar 21, 2019 9:32 pm
- Forum: Personal Finance (Not Investing)
- Topic: Line of Credit as Emergency Fund
- Replies: 21
- Views: 1276
Line of Credit as Emergency Fund
I just started a new job and the local bank is being very friendly. They are handling our mortgage and their "Wealth Management" division offered us a revolving line of credit for 100K at prime + 1%. We only pay interest on what we use. No strings attached. Is it crazy to use this as an EF...
- Sun Mar 03, 2019 4:42 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
- Replies: 645
- Views: 74712
Re: Vanguard is Discontinuing their VanguardAdvantage Accounts
The esteemed Bill Bernstein is quoted in the article.G-Force wrote: ↑Sun Mar 03, 2019 4:16 pm WSJ now has an article about this.
https://www.wsj.com/articles/vanguard-t ... 1551639935
According to the article, less than 2% of eligible vanguard clients use the service.
- Thu Feb 21, 2019 1:57 pm
- Forum: Personal Consumer Issues
- Topic: American National Insurance - any experience with them?
- Replies: 0
- Views: 241
American National Insurance - any experience with them?
We are purchasing a new home and received a home insurance quote from American National Insurance. We currently have USAA and are overall happy, however in light of the recent thread about the issues they are having we are wondering if now is a good time to move so we solicited multiple quotes. The ...
- Wed Feb 20, 2019 4:31 pm
- Forum: Personal Finance (Not Investing)
- Topic: 4% SWR - how confident are you?
- Replies: 117
- Views: 9365
- Sun Feb 17, 2019 2:47 pm
- Forum: Investing - Theory, News & General
- Topic: [Fidelity and Schwab Expand Commission Free ETF list]
- Replies: 42
- Views: 3720
Re: Schwab expands commission free ETFs
I wish they would have at least included IJR (S&P 600 SC) and IJS (S&P 600 SCV) as Schwab has no similar funds. The only commission-free option is SLYV (SPDR S&P 600 SCV) which is not tax-efficient.
- Wed Feb 06, 2019 7:41 pm
- Forum: Personal Investments
- Topic: Vanguard Personal Advisory Services vs. Schwab Intelligent Advisory
- Replies: 49
- Views: 9251
Re: Vanguard Personal Advisory Services vs. Schwab Intelligent Advisory
FWIW the fundamental indexes do add a value tilt. I don't think they included them to solely benefit from the higher ER. I have been watching the returns for the last couple of years and they do appear to add a diversification benefit. Also, I was starting a new "goal" the other day and no...
- Fri Feb 01, 2019 9:27 pm
- Forum: Personal Consumer Issues
- Topic: Veteran Obtain Military ID
- Replies: 23
- Views: 1621
Re: Veteran Obtain Military ID
I applied for the new VA ID last year and heard nothing for about 6 months. I logged back into the website and saw that my application was still in a pending status. I then realized that in addition to my DD-214, they also wanted a copy of my honorable discharge certificate (that was not very obvio...
- Wed Jan 30, 2019 9:48 am
- Forum: Personal Investments
- Topic: Finally thinking about making the switch from Vanguard to Fidelity
- Replies: 50
- Views: 8725
- Sat Jan 26, 2019 7:23 pm
- Forum: Personal Finance (Not Investing)
- Topic: Vanguard PAS vs. Schwab Intelligent Advisory service..
- Replies: 13
- Views: 2586
- Sat Jan 26, 2019 6:32 pm
- Forum: Personal Finance (Not Investing)
- Topic: Vanguard PAS vs. Schwab Intelligent Advisory service..
- Replies: 13
- Views: 2586
Re: Vanguard PAS vs. Schwab Intelligent Advisory service..
Update: I can't use either PAS or Schwab Intelligent Advisor because of ERISA rules. I'm still employed and much of my investments are in my Profit Sharing plan. Even when you get to the point you can invest with either Vanguard's PAS or Schwab Intelligent Advisory service, don't consider anything ...
- Sun Jan 13, 2019 4:17 pm
- Forum: Personal Investments
- Topic: Should I put VTIAX or VTSAX into taxable account?
- Replies: 20
- Views: 2856
Re: Should I put VTIAX or VTSAX into taxable account?
New minimum for admiral class is 3K.BoggledHead2 wrote: ↑Sun Jan 13, 2019 3:20 pm I would add both (if you have at least 20K), get the admiral share class of both, and rebalance that way.
both funds are excellent taxable account funds.
- Fri Jan 11, 2019 9:32 pm
- Forum: Personal Finance (Not Investing)
- Topic: Stay in private practice medical or take VA job offer?
- Replies: 45
- Views: 4232
Re: Stay in private practice medical or take VA job offer?
"Even a partial government shutdown could impact hundreds of thousands of federal employees – with workers facing furloughs and unpaid labor – depending on how much of the bureaucracy Congress agrees to fund in the next nine days. For example, the U.S. Secret Service agents protecting Trump and...
- Fri Jan 11, 2019 9:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: Stay in private practice medical or take VA job offer?
- Replies: 45
- Views: 4232
Re: Stay in private practice medical or take VA job offer?
I'm pretty sure "essential employee" just means you still have to work, you just aren't getting paid. This year is different, at least with the military/DoD, as that budget fortunately was already passed. No that's not how it works my wife has been a federal employee 15 years and has went...
- Fri Jan 11, 2019 7:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: Stay in private practice medical or take VA job offer?
- Replies: 45
- Views: 4232
- Fri Jan 11, 2019 7:41 pm
- Forum: Personal Finance (Not Investing)
- Topic: Stay in private practice medical or take VA job offer?
- Replies: 45
- Views: 4232
Re: Stay in private practice medical or take VA job offer?
Pimsleur, huh? I’ll have to check that out. I could definitely be doing more productive things with my commute. No, I believe the VA is considered essential employees, so it’s not affected by the shutdown. Thank you both for the feedback. Also, I do value some downtime before getting home to the wi...
- Tue Dec 25, 2018 8:32 pm
- Forum: Personal Finance (Not Investing)
- Topic: Military: No match on December LES TSP contributions?
- Replies: 7
- Views: 928
Re: Military: No match on December LES TSP contributions?
Just a question for the active duty folks who opted for the Blended Retirement and have been receiving the government match on your TSP contributions. On my Dec LES, I received the automatic 1% match but not the additional 4% match. I have been contributing about 25% of my base pay to max out my TS...
- Mon Dec 24, 2018 9:27 pm
- Forum: US Chapters
- Topic: My Christmas Present To You
- Replies: 109
- Views: 14339
Re: My Christmas Present To You
Beautiful. Thank you.
- Mon Dec 17, 2018 1:56 pm
- Forum: Personal Consumer Issues
- Topic: peloton fitness bike
- Replies: 22
- Views: 3158
Re: peloton fitness bike
Several earlier threads, here's one: https://www.bogleheads.org/forum/viewtopic.php?t=250381 Yeah, I think we beat it to death already in the thread stan1 posted. There are a few Peloton camps, so here's the TL;DR version to save you some time: 1) "real" cyclists hate Peloton and everythi...
- Tue Dec 11, 2018 2:39 pm
- Forum: Personal Consumer Issues
- Topic: Hyatt Legal Plan for Will and Trust
- Replies: 57
- Views: 5951
Re: Hyatt Legal Plan for Will and Trust
Along with avoiding probate, there are also potential asset protection benefits with a trust. Particularly in situations where the child gets divorced after they receive the inheritance.
- Fri Dec 07, 2018 9:32 pm
- Forum: Personal Finance (Not Investing)
- Topic: Vanguard Backdoor - Wait till settlement?
- Replies: 2
- Views: 408
Re: Vanguard Backdoor - Wait till settlement?
The MMf is probably safest. If you invest it in an ETF, for example, you need to pay taxes on any gains prior to the conversion. Although likely small, it would complicate matters a bit.
- Tue Nov 27, 2018 8:07 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard Individual 401K now offering Admiral funds
- Replies: 68
- Views: 8700
Re: Vanguard Individual 401K now offering Admiral funds
Call the small business number specifically that I posted above