Search found 1953 matches

by tj
Fri Nov 24, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on commercial liability insurance
Replies: 9
Views: 513

Re: Advice on commercial liability insurance

Here is one option to locate an independent agent. https://www.trustedchoice.com/ IMO, this resource is just a marketing venue. When you go there, you see those who pay to be part of the IIABA. If you're not a member of USAA, honestly, I'd suggest googling for insurance agencies in your area. When ...
by tj
Tue Nov 21, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 39
Views: 2695

Re: TaxAct and alternatives

Just purchased HR Block Deluxe + state for $29.95. I usually wait until January, but this year my brother wanted to get started early..... I've not used the HR Block Deluxe. Do they in any way push you towards the brick and mortar H&R Block stores? None whatsoever. Completely different product line.
by tj
Mon Nov 20, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Looking for Black Friday tax software deals (HRBlock)
Replies: 17
Views: 2024

Re: Looking for Black Friday tax software deals (HRBlock)

Amex has a $10 statement credit offer for HRBlock. "Get a one-time $10 statement credit by using your enrolled Card to spend a minimum of $30+ in one or more transactions online at hrblock.com by 4/30/2018. See terms for exclusions." This is found under the "offers and & benefits" section after I l...
by tj
Mon Nov 20, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Looking for Black Friday tax software deals (HRBlock)
Replies: 17
Views: 2024

Re: Looking for Black Friday tax software deals (HRBlock)

2pedals wrote:
Mon Nov 20, 2017 9:59 am
This post by DarkNyte on Nov. 11 has a link to a discount

viewtopic.php?t=232071
Excellent. That's certainly cheap enough.

Thanks for sharing.
by tj
Sun Nov 19, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: Looking for Black Friday tax software deals (HRBlock)
Replies: 17
Views: 2024

Re: Looking for Black Friday tax software deals (HRBlock)

First of all, note that the last posts here are from a year ago. But more directly, you should keep an eye on prices in December. I grabbed the 2016 version on December 19, 2016, for $21.99 from Amazon, including one state. Deals usually start showing up in Mid-late December and may continue period...
by tj
Sun Nov 19, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Looking for Black Friday tax software deals (HRBlock)
Replies: 17
Views: 2024

Re: Looking for Black Friday tax software deals (HRBlock)

Checked on the purchase price I paid for 2015 HR Block Deluxe version software, and that was purchased as a CD direct from Amazon on Dec 23 2015 for $24.99. I think that ended up being the cheapest price I saw anywhere for the CD deluxe version anytime last year. Amazon's January 2nd sale on the 20...
by tj
Sun Nov 19, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 2483

Re: Are expensive tires worth it?

Looking for new tires for my Toyota Highlander. I can get 4 Michelin's (LTX defender) out the door for $722 from Discount Tire (with the rebate). The other name brands aren't much less. Are the Michelin's worth the extra money OR is it better just to go with the generic? You might be able to get th...
by tj
Sun Nov 19, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 2483

Re: Are expensive tires worth it?

Looking for new tires for my Toyota Highlander. I can get 4 Michelin's (LTX defender) out the door for $722 from Discount Tire (with the rebate). The other name brands aren't much less. Are the Michelin's worth the extra money OR is it better just to go with the generic? You might be able to get th...
by tj
Sun Nov 19, 2017 12:27 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 130
Views: 14070

Re: MoviePass-Too good to be true, but it's legit.

denovo wrote:
Sat Nov 18, 2017 9:31 pm
mnnice wrote:
Sat Nov 18, 2017 8:58 pm
I got a MoviePass about 10 days ago. I have seen 3 movies since. The app appears to be down tonight which bums me out as DS and I were going to go to Justice League.
You were gonna see it in 2d? (GASP)
It wasn't shot in 3D, was it? :D

http://realorfake3d.com
by tj
Fri Nov 17, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 3634

Re: Michelin or Bridgestone?

On my 2011 Honda Civic, it came with Bridgestones. They only lasted 28k miles. At the 28k miles, I added Kelly Chargers at "Just Tires". it cost me $529 with a 1 year alignment package. These were rated for 50k miles and I ended up getting around 55k miles out of them. At 82k miles, I added Michelin...
by tj
Fri Nov 17, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 130
Views: 14070

Re: MoviePass-Too good to be true, but it's legit.

I think MoviePass has a huge opportunity to shake up the theater industry If someone really wants to shake up the theater industry, they need to come out with a "Popcorn Pass." Several theaters already offer that in and around the Phoenix metro area - I'd imaging there are similar things in other m...
by tj
Thu Nov 16, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 233
Views: 40731

Re: USAA 2.5% Cash Back Credit Card

Alliant Signature Visa 3% back first year, no annual fee 2.5% back thereafter, $59/yr http://www.alliantcreditunion.org/bank/visa-signature-card I've had this card for a few months and it's been great. I also happen to bank at Alliant so it's been a nice synergy to have my CC and bank statements al...
by tj
Thu Nov 16, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 233
Views: 40731

Re: USAA 2.5% Cash Back Credit Card

Alliant Signature Visa 3% back first year, no annual fee 2.5% back thereafter, $59/yr http://www.alliantcreditunion.org/bank/visa-signature-card I've had this card for a few months and it's been great. I also happen to bank at Alliant so it's been a nice synergy to have my CC and bank statements al...
by tj
Wed Nov 15, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 233
Views: 40731

Re: USAA 2.5% Cash Back Credit Card

I meant military service. From their website:
Aw, bummer. You got me all excited. :D I have military connections (my grandfather), but I don't have any military service myself.


I definitely don't have a problem with them offering better cards to veterans though.
by tj
Wed Nov 15, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 130
Views: 14070

Re: MoviePass-Too good to be true, but it's legit.

I don't understand why it works at AMC but not Harkins. The two theeaters near me are Harkins and the card does not seem to work there, so I haven't signed up. If it's just a Visa or Mastercard debit card, why would it not be functional at some theaters? If I had to guess they have set up the card ...
by tj
Wed Nov 15, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 233
Views: 40731

Re: USAA 2.5% Cash Back Credit Card

. Since I have a military connection, I'll be eligible for the 2% rate. What does military connections mean? I remember the PenFed Defender Amrexican Express had certain limitations that I thought I wasn't eligible for. I'm not familiar with the Power Cash Rewards. I still use the PenFed Cash Rewar...
by tj
Wed Nov 15, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and bad news
Replies: 91
Views: 14601

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

so, i just purchased the other hat they're selling. The red hat was cheaper as previously mentioned. This one was $14.84, because it is manufactured by Champion and the red one was by Quake City Caps. Anyway, these are the two styles and prices (red or beige. don't mean to say those two images belo...
by tj
Wed Nov 15, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 130
Views: 14070

Re: MoviePass-Too good to be true, but it's legit.

I don't understand why it works at AMC but not Harkins. The two theeaters near me are Harkins and the card does not seem to work there, so I haven't signed up.

If it's just a Visa or Mastercard debit card, why would it not be functional at some theaters?
by tj
Wed Nov 15, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 233
Views: 40731

Re: USAA 2.5% Cash Back Credit Card

corn18 wrote:
Wed Nov 15, 2017 4:27 pm
I'm up to $5,563 cash back so far this year. I love this card.
That's a lot of spending! :D
by tj
Fri Nov 10, 2017 5:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1103244

Re: U.S. stocks in freefall

wrongfunds wrote:
Fri Nov 10, 2017 5:05 pm
Oh My God; two consecutive days of trading in red; when was last time such a calamity had occurred before??
Yesterday. The combined closings are still higher than the low point of yesterday's trading.
by tj
Thu Nov 09, 2017 6:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1103244

Re: U.S. stocks in freefall

KSOC wrote:
Thu Nov 09, 2017 5:34 pm
I wish I had more $$ to buy today. Opportunities have been rare.
It ended down only like 0.4 % ?
by tj
Wed Nov 08, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Inexpensive house or condo as home base (MKE?)
Replies: 39
Views: 4023

Re: Inexpensive house or condo as home base (MKE?)

Have you looked at housing in Thailand or Bali? Yes, in Thailand. And what did you conclude? I follow a guy on youtube from NC who moved to Thailand 2 years ago. The guy pays about $500/month for a decent apartment. Yes...in Thailand, you can find super cheap housing, but to be honest, I could prob...
by tj
Wed Nov 08, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Inexpensive house or condo as home base (MKE?)
Replies: 39
Views: 4023

Re: Inexpensive house or condo as home base (MKE?)

HOA fees are no joke and they can hit you with an assessment at any time for anything. Anything....that your elected neighbors agree is necessary. HOA's are fine and can reduce a lot of your costs, but you have to stay involved and if necessary run for the board to keep out the incompetents. I'll g...
by tj
Wed Nov 08, 2017 11:34 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 642
Views: 105044

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

investor997 wrote:
Tue Nov 07, 2017 6:41 pm
Does ME currently require $25K or $50K cash deposit to get the Platinum level Preferred Rewards status? The website seems to indicate $50K.
Neither. The $$ amount can all be in the investments, you just need a token amount in the checking accoutn so that it doesn't auto-close.
by tj
Tue Nov 07, 2017 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund to Fund Starting a 501c3
Replies: 10
Views: 866

Re: Donor Advised Fund to Fund Starting a 501c3

When I suggest a DAF grant, I'm pretty sure the boilerplate says they call the charity and make sure I'm not involved with it. I could be wrong though.
by tj
Tue Nov 07, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4343

Re: I Cut the Cord yesterday!

I get pretty good broadcast. I have a big old antenna in the attic and it took me 2 hours of running downstairs to the rec room and back up to try and get the angle correct to receive CBS-2 Chicago and NBC-5. My antennae reception is very disappointing. I have an amplified flat rectangular one that...
by tj
Tue Nov 07, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4343

Re: I Cut the Cord yesterday!

I get pretty good broadcast. I have a big old antenna in the attic and it took me 2 hours of running downstairs to the rec room and back up to try and get the angle correct to receive CBS-2 Chicago and NBC-5. My antennae reception is very disappointing. I have an amplified flat rectangular one that...
by tj
Tue Nov 07, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4343

Re: I Cut the Cord yesterday!

Its odd that people brag about cutting the cable then they purchase other services to replace cutting the cable. Netflix, hulu, youtube tv, playstation tv, etc etc. Why is it odd? You save a ton of $$$ and electricity by cutting out the cable comapny. Those cable boxes, DVR etc suck a lot of power.
by tj
Mon Nov 06, 2017 3:34 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 642
Views: 105044

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

My Roth IRA is at Scottrade. Anyone know if TD Ameritrade will pay bonuses for Scottrade transfers with the pending merger? Doesn't seem likely but I thought I'd see if anyone has tried. If you want to stay with TDA long term, you could transfer it out to Merrill Edge or Etrade for their bonus, and...
by tj
Mon Nov 06, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: USAA membership loophole?
Replies: 11
Views: 2190

Re: USAA membership loophole?

USAA’s membership rules have shifted over the years, more than many realize. As long as your father was honorably separated, this approach is valid, and not a loophole. You would have access to all of their services. For insurance, they would put you in a separate risk pool called USAA GIC (enliste...
by tj
Sun Nov 05, 2017 7:30 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1876
Views: 1160069

Re: The Three-Fund Portfolio

This thread, especially the OP and its links, will take me several weeks to completely understand even though I'm already building this type of portfolio. Right away, though, I have a question about rebalancing. I don't understand how this portfolio "automatically rebalances." Like everyone's portf...
by tj
Thu Nov 02, 2017 9:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 112
Views: 25933

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

bling wrote:
Thu Nov 02, 2017 9:03 pm
does anyone know how long it'll take for the underlying holdings to be available? i'm curious of the US vs international breakdown.
I think they update the website every month.
by tj
Sun Oct 29, 2017 1:48 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 148
Views: 17489

Re: What we know about robo advisors

From the wiki article Tax-efficient fund placement : Determination of your asset allocation (% stocks / % bonds), which sets your portfolio's level of acceptable risk, is the single most influential decision you can make on your portfolio's performance. Only consider taxes after you have configured...
by tj
Sun Oct 29, 2017 12:33 am
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 148
Views: 17489

Re: What we know about robo advisors

Been using Wisebanyan, Wealthfront, Schwab IP and M1 Finance for a 2-3 weeks. And I am liking M1 the best because I like being in control of when a sell happens and I like customizing my portfolio. Why are you using so many of them? I had never heard of M1 Finance before. Is that one we should be p...
by tj
Sat Oct 21, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 466
Views: 41001

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Nisiprius has described some of these bonus situations as akin to stealing the cheese from the mousetrap. Sometimes it works, and sometimes it doesn't work out so well. Sorry, but this is silly. No one is trapped anywhere. If you don't like the TDA deal, move somewhere where you to DO like the deal...
by tj
Fri Oct 20, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 112
Views: 25933

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

Sorry if it is posted somewhere already but does anyone know the expected split between US and foreign holdings? I don't think anyone knows. I've tried to follow this fund's development closely, and I haven't seen this information released. Also they haven't said what proportion would be in emergin...
by tj
Wed Oct 18, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 466
Views: 41001

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

investor997 wrote:
Wed Oct 18, 2017 12:57 pm
tj wrote:
Wed Oct 18, 2017 11:54 am


Thats the standard offer. Thr larger offer is 180 days. I assune tda is the same in that the temporary larger promotion has a longer holding period.
What larger offer?
Its seasonal. Might not be active now.
by tj
Wed Oct 18, 2017 12:34 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 466
Views: 41001

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Earl Lemongrab wrote:
Wed Oct 18, 2017 12:03 pm
tj wrote:
Wed Oct 18, 2017 11:54 am
Thats the standard offer. Thr larger offer is 180 days. I assune tda is the same in that the temporary larger promotion has a longer holding period.
I believe TDA is one year regardless of the offer.


I think you are right.
by tj
Wed Oct 18, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 466
Views: 41001

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

They make you wait 14 weeks after opening up the account to get cash bonuses. TD would give it to you immediately. Why does this matter? You'll have to hold longer than that to keep it. I don't think so. No you're mistaken. The assets must be there for 180 days I believe. https://www.merrilledge.co...
by tj
Sun Oct 15, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: First Post (gulp) - Request for Advice on selling inherited home
Replies: 20
Views: 1683

Re: First Post (gulp) - Request for Advice on selling inherited home

we'd have to do the estate sale, right? Not necessarily. If you think there's not too much of value, there are various charities that will send trucks to pick up the stuff. They won't go up stairs, so you could pay a few muscle guys off TaskRabbit to stage the items for the truck. I have no idea th...
by tj
Sun Oct 15, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 466
Views: 41001

Re: Fellow TDA bogleheads

deltaneutral83 wrote:
Sun Oct 15, 2017 1:54 pm
Well, I guess I'm moving to schwab or fido. Has Schwab's Intl. fund been beating Vanguard's the last 7 years substantially or did I read that wrong?
Does it follow a different index?
by tj
Sat Oct 14, 2017 11:39 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 15426

Re: Dividends vs. Capital Gains for Spending Needs?

Good Morning everyone, (additional information). I just graduated from the U of M last year (at 22 years old) with a B.S. Degree in Finance. I just got my first job out of college (about 1 1/2 years ago). I make about $15.00 per hour, $31,200. I' am single with no debt & save about 50% of my income...
by tj
Sat Oct 14, 2017 9:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 112
Views: 25933

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration

Interesting that the equity managers listed are none of the named managers for the domestic funds. The domestic funds are kind of soft closed, right? I don't think that's over the fixed income side getting too large to handle. Wellington might be. I didn't think Wellesley was. Dividend Growth is cl...
by tj
Sat Oct 14, 2017 9:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 112
Views: 25933

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration

Billavoider wrote:
Sat Oct 14, 2017 4:54 pm
Here is the 10/10/17 prospectus link:

https://www.sec.gov/Archives/edgar/data ... merged.htm
Interesting that the equity managers listed are none of the named managers for the domestic funds.
by tj
Sat Oct 14, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 37
Views: 2249

Re: Selling Tradelines

For those who claim that this is against the credit card terms and conditions I would like to see that documented. I've never seen proof of that. As far as I know there are no restrictions on who you can add as authorized users. I don't see this as any different than for example Clark Howard and ot...
by tj
Sat Oct 14, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 4956

Re: Which Streaming Service/Live TV?

FrugalInvestor wrote:
Sat Oct 14, 2017 4:13 pm
patrick wrote:
Sat Oct 14, 2017 3:35 pm
Checking out DVDs from the public library is even cheaper ;)
If you're looking for live tv for things like news and sports DVDs from the library don't fill the bill. For movies they may.


A lot of news and sports you can get with an antenna. Library fits the bill for movies and TV series.
by tj
Sat Oct 14, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 4956

Re: Which Streaming Service/Live TV?

patrick wrote:
Sat Oct 14, 2017 3:35 pm
Checking out DVDs from the public library is even cheaper ;)
It basically just costs the gas to and fro.

My local library has tons of DVD's.
by tj
Sat Oct 14, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 37
Views: 2249

Re: Selling Tradelines

Fraud defined: “wrongful or criminal deception intended to result in financial or personal gain.” Selling trade lines is a violation of the contract you accepted when you got your card. It is a civil matter, not criminal, but is surely fraud under the definition above. Right, it's against the terms...
by tj
Sat Oct 14, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 37
Views: 2249

Re: Selling Tradelines

Outside of that, the amount of customers that intentionally try to rip off businesses is shocking. I'm intrigued by this. Is everyone who calls and complains to their cable company for a discount "trying to rip them off?" Is haggling in general trying to rip someone else off? Or is the company ripp...