Search found 2041 matches

by tj
Wed Feb 28, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 143
Views: 25626

Re: Where to buy a Vanguard hat? An Update and good news

It's not free. We all pay for them. :D Sorry about that :P Considering the above comments, it would be nice if Vanguard gave each of its Flagship clients one of these small items as a gift every year or so. I don't know what that would cost, but if Vanguard is giving away coffee mugs to random peop...
by tj
Wed Feb 28, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 143
Views: 25626

Re: Where to buy a Vanguard hat? An Update and good news

It's not free. We all pay for them. :D
by tj
Tue Feb 27, 2018 5:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1430258

Re: U.S. stocks in freefall

No reason to use PONDX when you can use PIMIX. It had a low minimum at Scottrade. As I recall, PONDX/PIMIX full of emerging market bonds, always was leveraged. Not really comparable to Vanguard High Yield.
by tj
Sun Feb 18, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 86
Views: 7913

Re: Amazon Alternative

Nyc10036 wrote:
Sun Feb 18, 2018 3:05 pm
AntsOnTheMarch wrote:
Tue Feb 06, 2018 10:10 am
In my book Walmart is great deals for toilet paper and not much else.
I don't buy toilet paper at Walmart.

On sale, it is cheaper at ShopRite.

Never heard of it. Seems to be a regional grocery store.
by tj
Sun Feb 18, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 86
Views: 7913

Re: Amazon Alternative

Any opinions would be welcome. Thanks. My opinion is to stop shopping at amazon because they allow shenanigans—and I believe on purpose. They ignored their counterfeit goods problem until it finally blew up in the media even though they must have known about it long before (since everyone else alre...
by tj
Sat Feb 17, 2018 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Substantially Equal Periodic Payments (Funding Early Retirement)
Replies: 17
Views: 1527

Re: Substantially Equal Periodic Payments (Funding Early Retirement)

The best resource on SEPP is from bamfmoney, who is actually receiving distributions in his 30's:

http://bamfmoney.com/2016/05/reg-72t-ac ... e-penalty/
by tj
Mon Feb 12, 2018 3:14 pm
Forum: Investing - Theory, News & General
Topic: M1 Finance - now Free. Great way to rebalance
Replies: 49
Views: 6554

Re: M1 Finance - now Free. Great way to rebalance

3. The document suggests I (or you) will be paid for lending securities. Who get's paid, and how much? We will make the fees, if any, on the securities held in your account. However, keep in mind that only highly sought after and hard to borrow securities will be "loaned out" and receive a fee. If ...
by tj
Sat Feb 10, 2018 1:54 pm
Forum: Investing - Theory, News & General
Topic: M1 Finance - now Free. Great way to rebalance
Replies: 49
Views: 6554

Re: M1 Finance - now Free. Great way to rebalance

Re how do they make money & is the business model sound long term, it is around 43:00 of the podcast. FWIW they state commissions generate about 10-15% of the money for all brokers apparently. Sounds like all brokers including Vanguard lend securities. And "new products" like "IPO motifs" etc get c...
by tj
Sat Feb 10, 2018 1:46 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2162
Views: 1348889

Re: The Three-Fund Portfolio

ankonaman wrote:
Sat Feb 10, 2018 12:59 pm
How would the new Global Wellington Fund Admiral Shares stack up against the 3 fund portfolio?
Which allocation of the 3 fund? In any event, way too early to know.
by tj
Mon Feb 05, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: Managing a bond portfolio
Replies: 3
Views: 458

Re: Managing a bond portfolio

I don't mind Baird for bonds. BCOIX has been solid.
by tj
Wed Jan 24, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: Importance of FDIC Insurance
Replies: 17
Views: 1618

Re: Importance of FDIC Insurance

Not only do I think FDIC insurance is important, but I also believe all your money should be guaranteed not just $250,000. There are enough banks and credit unions that individuals should not run into this being an issues. Some of the big banks even have multiple banks for their clients to get over...
by tj
Wed Jan 24, 2018 12:05 am
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 150
Views: 12781

Re: Kitces article: A cash bucket in retirement? Nope

Is it time to post TFB's post on why Cash is better than Bonds for retail investors? :D

https://thefinancebuff.com/why-investor ... bonds.html
by tj
Fri Jan 19, 2018 10:02 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 982
Views: 175603

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

yougotitdude wrote:
Fri Jan 19, 2018 8:25 am
For Etrade, it says "One promotion per customer." Has anyone received more than one? I received one for a taxable account last year and was thinking about transferring an old retirement plan.
Yeah I received one a few years ago and one this year.
by tj
Thu Jan 18, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 465
Views: 93379

Re: Bank of America/Merrill Edge - Preferred Rewards

No DirecTVNow on my Bank AmeriDeals.
by tj
Thu Jan 18, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Cash Out my NML Whole Life Insurance?
Replies: 45
Views: 3517

Re: Should I Cash Out my NML Whole Life Insurance?

Have you played with term4sale.com ? It will show you rates for several companies.

You can then get those rates with an independent agent, I used terminsurancebrokers.com
by tj
Thu Jan 18, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Domestic SCV? [Small Cap Value]
Replies: 50
Views: 7021

Re: Domestic SCV? [Small Cap Value]

About VIOV, it looks like it only comes in an ETF wrapper? I feel uncomfortable with Vanguard's combined mutual funds/ETFs, which includes VBR. What if one of those combined funds become unpopular? One must consider what happens if assets decline in a fund; it is unlikely that a fund will grow inde...
by tj
Sun Jan 14, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Does Global Wellesley Get the Foreign Tax Credit?
Replies: 5
Views: 777

Re: Does Global Wellesley Get the Foreign Tax Credit?

Whether the fund is eligible for the foreign tax credit or not, it should be held in a tax-sheltered account. The foreign tax credit will be relatively small, while there are other tax costs from the high dividends on the bonds, and on the capital gains because the stock portfolio is actively manag...
by tj
Sun Jan 14, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: REIT or No REIT
Replies: 98
Views: 12632

Re: REIT or No REIT

I feel that you can get a lot of exposure to all but the residential real estate sector just through a broad market index. And if commercial REITs fall because of online shopping, stocks like Amazon will rise to compensaate for that. But I do think the residential real esate sector (especially sing...
by tj
Sun Jan 14, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: REIT or No REIT
Replies: 98
Views: 12632

Re: REIT or No REIT

I would not but any private reits. Don't trust them. I own AIV, MAA, EQR, IRT atm. Might consider avalon after more research. Also look into ESS, CPT and UDR... FWIW, IRT is a very tiny % of the market cap of apartment REIT's. Like less than 1% the last time I looked. You might also consider EDR an...
by tj
Sun Jan 14, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: REIT or No REIT
Replies: 98
Views: 12632

Re: REIT or No REIT

Reits are always misunderstood. I have about 6% of my assets in REITs. I hold them as long term investment for income and asset diversification. They are not like bonds (IMO they are better). I hold them in my taxable account as they provide some tax free income (depreciation and the new tax act). ...
by tj
Sat Jan 13, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 982
Views: 175603

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Ally Investments (the old Tradeking) has a pretty good offer for low transfer amounts: https://go.ally.com/invest/promotions/?CP=151136479%3B0%3B $200 for 25k. It indicates, and I confirmed, that it's only for taxable accounts. Do they auto-close empty accounts? It says that those who have closed t...
by tj
Fri Jan 12, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 51697

Re: USAA 2.5% Cash Back Credit Card

The 100k rumors for Alliant come from threads like this: http://ficoforums.myfico.com/t5/Credit-Cards/Alliant-Credit-Union-2-5-Cash-Back-Visa/td-p/4915374/page/2 I don't know their cutoff for income. But you need to plan on spending at least $20k/year to make it worthwhile. Not really. For me, it w...
by tj
Thu Jan 11, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 51697

Re: USAA 2.5% Cash Back Credit Card

I'm up to $5,563 cash back so far this year. I love this card. As someone said in that Doctor of Credit comments section regarding manufactured spending as being a likely reason USAA is pulling back, "This is why we can't have nice things." Even if all of the $222K in spend to generate the above re...
by tj
Mon Jan 08, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 982
Views: 175603

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

There's no ETF equivalent to SFREX. The only real estate ETF Schwab offers is SCHH, which is US-only and market cap indexed, vs. SFREX which is global and tracks the Russell RAFI (fundamental) index. AFAIK there are no alternatives that track such an index, and very few options for global real esta...
by tj
Mon Jan 08, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 982
Views: 175603

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Does anyone know which brokerage firms accept Schwab mutual funds? Was thinking about using SFREX, buying for free @ Schwab then transferring somewhere for a bonus.... I don't know about that. I'd use their ETFs. This is confusing. What am I missing? SFREX is an ETF, and as such should pose no tran...
by tj
Sun Jan 07, 2018 11:19 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 982
Views: 175603

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Does anyone know which brokerage firms accept Schwab mutual funds? Was thinking about using SFREX, buying for free @ Schwab then transferring somewhere for a bonus....
by tj
Sun Jan 07, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Ownership in real estate
Replies: 11
Views: 1172

Re: Ownership in real estate

No, I still want to be owner. It is an asset, and because no operating agreement was ever agreed upon, everyone is fighting. I was so stressed over it all and the fighting that i wrote an email saying i was relinquishing my ownership But i never signed anything and it was a few yrs back. Doesn't ma...
by tj
Sun Jan 07, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Ownership in real estate
Replies: 11
Views: 1172

Re: Ownership in real estate

vrjcgFam wrote:
Sun Jan 07, 2018 3:41 pm
House is paid off, I'm experiencing family disagreements from other siblings who believe i shouldn't be on deed. Long story. Bottom line is my name is on deed.
If you take yourself off the deed, you lose your legal rights to your ownership. Is that what you want?
by tj
Sat Jan 06, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Domestic SCV? [Small Cap Value]
Replies: 50
Views: 7021

Re: Domestic SCV? [Small Cap Value]

Is it still the case that there are no good DFA alternative's for International Small Cap value both in developed and emerging markets? Thanks http://www.etf.com/publications/journalofindexes/joi-articles/24234-cloning-dfa.html?nopaging=1 This article uses 60% VWO 40% EWX as a clone for DFA Emergin...
by tj
Wed Jan 03, 2018 11:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Phoenix, AZ Bogleheads?
Replies: 44
Views: 11251

Re: Phoenix, AZ Bogleheads?

I'm in South Scottsdale. I'd have o think we could get a tour of Vanguard if we had enough people. I know they have a "chandlerly" there so that you don't have to pay the shipping from Malvern on swag....
by tj
Mon Jan 01, 2018 11:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 156
Views: 19039

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

=== Bumping old thread. Replies above this are 8+ days old === There's a recent interview with John Ameriks of Vanguard about these upcoming ETFs: http://www.etf.com/sections/features-and-news/advantages-active-factor-investing?nopaging=1 Hougan : Active strategies? Ameriks : Yes, factors are activ...
by tj
Sun Dec 31, 2017 5:25 pm
Forum: Investing - Theory, News & General
Topic: M1 Finance
Replies: 11
Views: 2664

Re: M1 Finance

David Scubadiver appears to have deleted his Bogleheads account, but I'm really intrigued by M1 Finance as a time saving robot with zero costs. I can duplicate the Schwab Intelligent Portfolios suggested allocation and use M1 without experiencing the cash drag, or I can duplicate the Betterment, Wea...
by tj
Sun Dec 31, 2017 3:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond Index avoiding Very Long Bonds?
Replies: 14
Views: 1751

Re: Vanguard Total Bond Index avoiding Very Long Bonds?

The author apparently doesn't quite grasp how an index fund works. In addition to being unaware the the treasury doesn't issue bonds longer than 30 years and never has. Also (gender neutral pronoun which for some reason hasn't been invented yet) apparently is not able to use the internet to look at...
by tj
Sun Dec 31, 2017 12:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond Index avoiding Very Long Bonds?
Replies: 14
Views: 1751

Vanguard Total Bond Index avoiding Very Long Bonds?

I found this article interesting - http://theconservativeincomeinvestor.com/2017/12/31/the-vanguard-total-bond-index-owns-no-long-term-debt/ The author states: Upon my review of the fund’s duration, I noticed that only 0.3% of the fund’s assets are held in U.S. government with a maturity of 30 years...
by tj
Sat Dec 30, 2017 8:34 pm
Forum: Investing - Theory, News & General
Topic: Will PE ratios decrease due to lower taxes?
Replies: 20
Views: 2437

Re: Will PE ratios decrease due to lower taxes?

Several large multi-national corporations have already announced that they will take some short term hits (reduced earnings) due to taxes owed from repatriating offshore profits at the new lower rate. This might actually raise PEs in the near term. 2018 repatriate money. Hopefully re-invest in US o...
by tj
Fri Dec 29, 2017 11:21 am
Forum: Investing - Theory, News & General
Topic: M1 Finance
Replies: 11
Views: 2664

Re: M1 Finance

I imagine that it's through security lending of your ETFs since it's an ETF based platform. Their fees have dropped significantly over the course of a year -- currently they are free for $1,000 and then they charge .25% of AUM for accounts below $100,000 and .15% for $100,000 and above. I expect th...
by tj
Thu Dec 28, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Statefarm Auto Insurance goes up every 6 months without reason?
Replies: 50
Views: 3868

Re: Statefarm Auto Insurance goes up every 6 months without reason?

OP, since you stated you own a brand new car (2017 Honda Civic), I'm curious if you financed it or own it outright? If financed, you may be obligated to maintain a certain level of coverage pursuant to the terms of the loan. I purchased full in cash. I have enough to buy another car if I wanted to ...
by tj
Thu Dec 28, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Statefarm Auto Insurance goes up every 6 months without reason?
Replies: 50
Views: 3868

Re: Statefarm Auto Insurance goes up every 6 months without reason?

Thanks for all of the responses :) Okay for the collision deductible. It doesn't really matter how much I raise it to as long as I am not in an at-fault accident right? If I have a $2000 deductible, and someone else hits me. Their insurance has to pay the full repair cost right? It is just that I h...
by tj
Thu Dec 28, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Statefarm Auto Insurance goes up every 6 months without reason?
Replies: 50
Views: 3868

Re: Statefarm Auto Insurance goes up every 6 months without reason?

What about doing away with Uninsured Motor Vehicle Coverage? Can I raise my deductibles to $750 instead of $1000? Will agents work with you to reduce your insurance rate to a set budget amount? The only way to lower your cost is to reduce your coverage or increase your deductibles. Or find another ...
by tj
Thu Dec 28, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Need to shop insurance: curious what you have?
Replies: 22
Views: 1642

Re: Need to shop insurance: curious what you have?

Stupid question, but doesn't an independent insurance agent cost a fee and/or get a cut of your premiums? For those who have gone this route, I assume the insurance savings offset the fees? Insurance agents don't cost you anything no matter who you use. They are paid a commission on the policy. My ...
by tj
Thu Dec 28, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2162
Views: 1348889

Re: The Three-Fund Portfolio in a Bear Market

boyntonstu: Barry Barnitz, on his Financial Page, provided data on how The Three-Fund Portfolio performed during the 2008 bear market. Total International is assumed to be 30% of total stocks: -31.35% 80% stocks/20% bonds -23.55% 60% stocks/40% bonds -15.75% 40% stocks/60% bonds -7.04% 20% stocks/8...
by tj
Wed Dec 27, 2017 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Need to shop insurance: curious what you have?
Replies: 22
Views: 1642

Re: Need to shop insurance: curious what you have?

After numerous rate creeps by State Farm, my loyalty has run out. This week I'm planning to shop around. I currently have 2M umbrella, house, and 1 car with State Farm. I wonder insurance companies Bogleheads have and whether you can recommend a strategy. I don't want to kill myself doing this; per...
by tj
Wed Dec 27, 2017 5:59 pm
Forum: Investing - Theory, News & General
Topic: M1 Finance
Replies: 11
Views: 2664

Re: M1 Finance

Their fees have dropped significantly over the course of a year -- currently they are free for $1,000 and then they charge .25% of AUM for accounts below $100,000 and .15% for $100,000 and above. I expect that the pricing will continue to evolve, especially given that someone with $99,999.99 under ...
by tj
Wed Dec 27, 2017 5:48 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 151
Views: 22651

Re: What we know about robo advisors

Schwab Intelligent Portfolios Schwab's doesn't charge for their robo-advisor service. Fees for funds average about 17 basis points. They also unlike most robo-advisors have a pronounced value tilt. They give this sample portfolio of a 2/3rds stock 1/3rd bond Fundamental are Schwab value ETFs using ...
by tj
Wed Dec 27, 2017 5:35 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 151
Views: 22651

Re: What we know about robo advisors

Schwab Intelligent Portfolios Schwab's doesn't charge for their robo-advisor service. Fees for funds average about 17 basis points. They also unlike most robo-advisors have a pronounced value tilt. They give this sample portfolio of a 2/3rds stock 1/3rd bond Fundamental are Schwab value ETFs using ...
by tj
Wed Dec 27, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: Schwab SIP rebalancing on December 26, 2017
Replies: 1
Views: 286

Re: Schwab SIP rebalancing on December 26, 2017

https://hg.schwab.com/public/intelligen ... ocess.html <--- Looks like HYLB replaced one of their other high yield bond ETF's.
by tj
Wed Dec 27, 2017 1:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Corporate Bond ETF (VTC)
Replies: 18
Views: 3106

Re: Vanguard Total Corporate Bond ETF (VTC)

What's strange is the Vanguard page doesn't show allocations to sub-ETF's, it show actual bond holdings.
by tj
Tue Dec 26, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Statefarm Auto Insurance goes up every 6 months without reason?
Replies: 50
Views: 3868

Re: Statefarm Auto Insurance goes up every 6 months without reason?

Every car and driver is different. If you're rates are going up, shop around. If you can't find a better deal, then you have your answer..
by tj
Mon Dec 25, 2017 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: REIT or No REIT
Replies: 98
Views: 12632

Re: REIT or No REIT

I don't like the REIT Index because it's so heavy on shopping malls and things of that nature. I buy very few things in actual stores. That being said, when I go to the mall, it's always packed? I like the idea of investing in actual apartment complexes. This can easily be done with a custom Motif.....
by tj
Mon Dec 25, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Selling rental property and tax ramifications
Replies: 4
Views: 877

Re: Selling rental property and tax ramifications

My sales spans 25 yrs over 3 CPA's, and finally myself & TTax for the last 4 yrs. Hence I said, if you have used TurboTax the whole time, it is easy. Because TurboTax has all the data. If the old CPA's didn't give you the forms that have the backup data, that would obviously make it more difficult....