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Nthomas

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.

Nthomas

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?

Nthomas

Credit Karma app.

Nthomas

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...

Nthomas

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...

Nthomas

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...

Nthomas

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...

Nthomas

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 ...

Nthomas

https://www.motif.com/products/direct-index-portfolios

Motif is now offering direct indexing of the S&P 500 with fractional shares.

Nthomas

Just transferred VTI from VG to Schwab. Took 4 days. Pulled from Schwab (online request for account transfer).

Nthomas

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......

When I read the article I assumed it would also apply to ETFs.

Nthomas

We stayed at the Hyatt and it was amazing! Great pool, amazing food and service. Right on the water.

Nthomas

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...

Nthomas

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.

Nthomas

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...

Nthomas

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...

Nthomas

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 ...

Nthomas

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 ...

Nthomas

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...

Nthomas

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?

No they can convert to ETF w/o selling. The reverse (ETF to MF) would be taxable.

Nthomas

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...

Nthomas

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.

Nthomas

IShares MUB is commission free now

Nthomas

assyadh wrote: ↑Wed Apr 17, 2019 1:15 pm Annual account fee $40 per account

Annual IRA fee $40 per account

Account transfers and IRA closeout fee $75 per account

Enough said.

Those fees would all be waived if you have platinum checking.

Nthomas

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.

Nthomas

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...

Nthomas

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 ...

Nthomas

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...

Nthomas

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...

Nthomas

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...

Nthomas

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.

The esteemed Bill Bernstein is quoted in the article.

Nthomas

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 ...

Nthomas

https://www.kitces.com/blog/url-upside- ... al-wealth/

Nthomas

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.

Nthomas

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...

Nthomas

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...

Nthomas

KyleAAA wrote: ↑Tue Jan 29, 2019 4:43 pm ...If you are a factor investor and prefer using non-Vanguard ETFs to reach your desired factor loadings, that could be a good reason to switch (free iShares trades and a better brokerage platform at Fidelity)...

All ETFs trade free now at VG.

Nthomas

retiredjg wrote: ↑Sat Jan 26, 2019 7:12 pm It's not that hard to spend $200 a year at Starbucks.

Very true, it's not!

However, at 2M
Schwab 900/quarter = 3600 max
PAS 0.3% x 2M = 6000 with no cap. 3k/yr/million

$2400 is a lot of lattes.

Nthomas

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 ...

Nthomas

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.

New minimum for admiral class is 3K.

Nthomas

"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...

Nthomas

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...

Nthomas

TheMadEph wrote: ↑Fri Jan 11, 2019 7:47 pm ...Better matching in the TSP - probably better than your 401K (better matching too).....

Good point. Did not include this in my post but the TSP match is very good, basically makes the pension contribution a wash.

Nthomas

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...

Nthomas

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...

Nthomas

Beautiful. Thank you.

Nthomas

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...

Nthomas

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.

Nthomas

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.

Nthomas

Call the small business number specifically that I posted above

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