Search found 2416 matches

by tj
Fri Jul 19, 2019 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Help Responding to the IRS
Replies: 16
Views: 1519

Re: Help Responding to the IRS

How are people keeping track of their contributions? I know that I max it out every year, so do I just have to research the maximum contribution limits for each year? part of my Roth was rolled over from a Roth 401k. Are those contributions also available immediately? not that I have any plans to dr...
by tj
Fri Jul 19, 2019 12:43 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 335
Views: 91469

Re: How to Minimize Your Emergency Care Expenses

I went to the ER for something that turned out to be nothing, though they sold me on getting a tetanus booster because it might have been more than 10 years. There are no urgent cares that I could find on Maui. A little bit worried about what the bill might be....we shall see. The hospital was alleg...
by tj
Thu Jul 18, 2019 10:37 pm
Forum: Personal Investments
Topic: Etrade denies promotion on $1 mil new account
Replies: 32
Views: 2847

Re: Etrade denies promotion on $1 mil new account

In March I received an email promotion from Etrade offering $3000 for a $1 mil new account. Instead of clicking on the email link to open the new account, I went to the Etrade web page for security reasons to open the account. The account was funded a few weeks later. Recently, I contacted Etrade t...
by tj
Thu Jul 18, 2019 4:35 pm
Forum: Personal Investments
Topic: Etrade denies promotion on $1 mil new account
Replies: 32
Views: 2847

Re: Etrade denies promotion on $1 mil new account

In March I received an email promotion from Etrade offering $3000 for a $1 mil new account. Instead of clicking on the email link to open the new account, I went to the Etrade web page for security reasons to open the account. The account was funded a few weeks later. Recently, I contacted Etrade t...
by tj
Thu Jul 18, 2019 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)
Replies: 16
Views: 1118

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

I did Ally $1000 bonus earlier this year then got capital one $500 money market bonus then Marcus $100 bonus and now I am enrolled into this $500 bonus. I am also currently enrolled in etrade $250 and chase you invest $200 bonuses. These all are easy ways to make some profit by just moving around c...
by tj
Thu Jul 18, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)
Replies: 16
Views: 1118

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

Very similar to what Ally did last fall. 1% bonus on new funds in an account up to $50k per person ($500 bonus). https://www.marcus.com/us/en/savings/cashbonus Thanks for sharing. In for the easy $500. I never got around to investing the $100k I used for the Ally, I have had most of it sitting in t...
by tj
Wed Jul 17, 2019 2:25 am
Forum: Personal Finance (Not Investing)
Topic: Referral for Financial Planner
Replies: 17
Views: 1241

Re: Referral for Financial Planner

Planvisonmn.com he charges $96 per year
by tj
Mon Jul 15, 2019 3:45 pm
Forum: US Chapters
Topic: New Orange County, CA Local Chapter established
Replies: 39
Views: 3382

Re: Orange County, CA chapter?

If I move back to OC, I'm in.
by tj
Sun Jul 14, 2019 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Premiums Up Exactly 10% in 3 Consecutive Renewals?
Replies: 32
Views: 3155

Re: USAA Auto Premiums Up Exactly 10% in 3 Consecutive Renewals?

6-month renewal update - my premium with GEICO has remained exactly the same, $269. USAA is quoting me $508 for similar coverages. I intend to cancel my renters and valuable personal property policies with USAA so I can get $1400 out of my subscriber's account and sell what might as well be an indi...
by tj
Sun Jul 14, 2019 2:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard account “Your mutual funds are eligible for tax-free conversion to ETFs”
Replies: 21
Views: 2516

Re: Vanguard account “Your mutual funds are eligible for tax-free conversion to ETFs”

Vanguard stopped setting their expense ratios at cost a while back Can you provide a source for this? Interesting read: “Vanguard SEC filings drop ‘at-cost,’ ‘no profit’ claims that were dear to late founder John Bogle” https://www.inquirer.com/columnists/john-bogle-vanguard-scraps-plain-talk-no-pr...
by tj
Sun Jul 14, 2019 2:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 81
Views: 7140

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

Darn I was considering the first of a ladder of SPIAs through Vanguard starting in 2020. It looks like that option is off the table. The advisors at Vanguard have long discouraged me from using a variable annuity as it would add fees. I am happy with a savings annuity at USAA (not annuitized) . A C...
by tj
Thu Jul 11, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Another NFCU CD deal [Navy Federal Credit Union]
Replies: 30
Views: 3303

Re: Another NFCU CD deal

Is this exclusive for military and their families? Is there a way a civilian could join? Does that include veterans' family members? My wife's brother is a veteran. I will try to get her to sign up if she is eligible. My brother is a veteran. He joined three years ago (for a token $5 in a simple sa...
by tj
Thu Jul 11, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Another NFCU CD deal [Navy Federal Credit Union]
Replies: 30
Views: 3303

Re: Another NFCU CD deal

Got this offer today. Just sharing here if people are interested. 3.0% for 7 or 25 months. https://www.ent.com/3percent FDIC/NCUA Insured? I did not find that information at that site. I clicked on the link and it says "NCUA Insured" at the bottom of the page. Tiny field of membership eligibility t...
by tj
Thu Jul 11, 2019 4:50 pm
Forum: Personal Investments
Topic: Access to Fidelity eMoney
Replies: 17
Views: 1501

Re: Access to Fidelity eMoney

radiowave wrote:
Thu Jul 11, 2019 2:52 pm
What does eMoney give you above and beyond full view?
That's not clear. It sounds like PlanVision's $96/yr would be the most cost efficient way to get access to it. What does it do that PersonalCapital doesn't do? What does Full View do that PersonalCapital do doesn't do?
by tj
Thu Jul 11, 2019 1:54 pm
Forum: Personal Investments
Topic: Access to Fidelity eMoney
Replies: 17
Views: 1501

Re: Access to Fidelity eMoney

No luck with Fidelity chat. Their stance is that Fidelity Full View is all that they offer.
by tj
Thu Jul 11, 2019 3:02 am
Forum: Personal Investments
Topic: Access to Fidelity eMoney
Replies: 17
Views: 1501

Re: Access to Fidelity eMoney

I happen to have a Fid office close-by. eMoney activated via a quick conversation with an account manager, not a Private Client Financial Advisor. Not something I intended, but they offered, so I gave it a spin. Wish it would model the tax implications of the transition to single filing status, whe...
by tj
Thu Jul 11, 2019 1:01 am
Forum: Investing - Theory, News & General
Topic: Is the L Income fund too conservative?
Replies: 26
Views: 1676

Re: Is the L Income fund too conservative?

Yes, it is too conservative. It's for federal retirees who have a pension! Many (most? all?) of these other arguments against 60/40 and for 30/70 are for people with no pension and just SS. My wife is a GS13 with the Army Core Eng. with no pension, no one she's worked with in the last 20 years has ...
by tj
Thu Jul 11, 2019 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Another NFCU CD deal [Navy Federal Credit Union]
Replies: 30
Views: 3303

Re: Another NFCU CD deal [Navy Federal Credit Union]

Would not mind getting in on this, but with the stringent membership requirements (I'm not military), and the fact that it's not that much higher a rate than my existing CUs, will probably pass. Easy win for those who already have membership tho What is "easy"? How do you know how much $$$ to put i...
by tj
Wed Jul 10, 2019 10:24 pm
Forum: Investing - Theory, News & General
Topic: Is the L Income fund too conservative?
Replies: 26
Views: 1676

Re: Is the L Income fund too conservative?

Or you could be a "civilian in certain other categories of government service", meaning not FERS, CSRS or military. I have no idea what this is. I've never known anyone to be in this category so I'm really at a complete loss here. Well, even the NAF employees get the NAF pension.... https://www.arm...
by tj
Wed Jul 10, 2019 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Another NFCU CD deal [Navy Federal Credit Union]
Replies: 30
Views: 3303

Re: Another NFCU CD deal

Bumping for better visibility. Back in Jan. 2014 when 5-year Treasury yield was about 1.7%, the PenFed 3.0% CD was hailed as a great deal. Today when 5-year Treasury yield is about 1.9%, the NavyFed CD at 3.5% is just even better. It is interesting. Arguments against long term CDs is that rates can...
by tj
Wed Jul 10, 2019 7:27 pm
Forum: Investing - Theory, News & General
Topic: JP Morgan Creates Robo-Advisor
Replies: 5
Views: 512

Re: JP Morgan Creates Robo-Advisor

https://www.cnbc.com/2019/07/10/jpmorgan-creates-robo-adviser-you-invest-portfolios-with-free-etfs.html 35 bps Annual Fee, but the ETF's evidently have all fees waives. So this is very similar to Fidelity Go. https://www.chase.com/personal/investments/you-invest/portfolios Did you find a link to th...
by tj
Wed Jul 10, 2019 7:10 pm
Forum: Investing - Theory, News & General
Topic: JP Morgan Creates Robo-Advisor
Replies: 5
Views: 512

Re: JP Morgan Creates Robo-Advisor

The most aggressive allocation was: US Large Cap Equity 50.00% BBUS JPMorgan BetaBuilders U.S. Equity ETF International Equity 40.00% Emerging Market Equity 11.00% JPEM JPMorgan Diversified Return Emerging Markets Equity ETF Asia ex Japan Equity 3.50% BBAX JPMorgan BetaBuilders Developed Asia ex-Jap...
by tj
Wed Jul 10, 2019 7:05 pm
Forum: Investing - Theory, News & General
Topic: JP Morgan Creates Robo-Advisor
Replies: 5
Views: 512

Re: JP Morgan Creates Robo-Advisor

https://www.cnbc.com/2019/07/10/jpmorgan-creates-robo-adviser-you-invest-portfolios-with-free-etfs.html 35 bps Annual Fee, but the ETF's evidently have all fees waives. So this is very similar to Fidelity Go. https://www.chase.com/personal/investments/you-invest/portfolios Did you find a link to th...
by tj
Wed Jul 10, 2019 6:33 pm
Forum: Investing - Theory, News & General
Topic: JP Morgan Creates Robo-Advisor
Replies: 5
Views: 512

JP Morgan Creates Robo-Advisor

https://www.cnbc.com/2019/07/10/jpmorga ... -etfs.html

35 bps Annual Fee, but the ETF's evidently have all fees waives. So this is very similar to Fidelity Go.

https://www.chase.com/personal/investme ... portfolios
by tj
Tue Jul 09, 2019 7:16 pm
Forum: Investing - Theory, News & General
Topic: EE bond doubling question
Replies: 15
Views: 1127

Re: EE bond doubling question

I thought it takes 20 years to double?
by tj
Tue Jul 09, 2019 6:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 81
Views: 7140

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

Darn I was considering the first of a ladder of SPIAs through Vanguard starting in 2020. It looks like that option is off the table. The advisors at Vanguard have long discouraged me from using a variable annuity as it would add fees. I am happy with a savings annuity at USAA (not annuitized) . A C...
by tj
Tue Jul 09, 2019 5:30 pm
Forum: Personal Investments
Topic: Schwab's Intelligent Advisory (now live)
Replies: 34
Views: 7829

Re: Schwab's Intelligent Advisory (now live)

Yes, I called Schwab IA today and thankfully I am grandfathered in ...meaning - I will get full MGP access with unlimited CFP calls for $70/yr but I think they may change pricing again even for "grandfather'd" folks in the future or they may just let me go as a customer as I am a total-loss to them...
by tj
Tue Jul 09, 2019 2:06 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Freedom Index Funds Increase International Exposure
Replies: 15
Views: 1423

Re: Fidelity Freedom Index Funds Increase International Exposure

In my perfect hypothetical world, Vanguard would offer both Total World Stock Index and Total World Bond Index in Admiral shares, and I would have a 2-fund portfolio. These aren't close enough? https://investor.vanguard.com/mutual-funds/profile/overview/vtwax https://investor.vanguard.com/etf/profi...
by tj
Mon Jul 08, 2019 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question about Medicare Part B Premium Amount of $135.50
Replies: 13
Views: 1144

Re: Tax Question about Medicare Part B Premium Amount of $135.50

Taxed at the gross Social Security. Gill +1 Similar to the way that you were taxed when you were employed. Taxed on the gross, before most deductions from your paycheck (except for 401(k), etc.) Except when most of us were employed medical premiums were pretax deductions Or, more often, a portion o...
by tj
Mon Jul 08, 2019 4:46 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1793
Views: 285709

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Looks like Merrill's got the elevated transfer bonus levels again: https://www.merrilledge.com/offers/1000offer I'm thinking of moving my Roth IRA from Fidelity to Merrill to get the higher bonus. Question: Where is the bonus deposited? Directly in the Roth IRA? Is it treated as a contribution? Loo...
by tj
Mon Jul 08, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Roll TSP into IRA? Keep G Fund?
Replies: 23
Views: 1235

Re: Roll TSP into IRA? Keep G Fund?

I kept mine when I separated in 2010 for the low fees and G fund access. Now with better distribution options, it's even a better option. Doing another rollover into the TSP now. Not sure what great IRA you have that beats the TSP. I've got a Vanguard IRA. It's not better, although costs have becom...
by tj
Sun Jul 07, 2019 5:13 pm
Forum: Personal Investments
Topic: Fidelity Go or Betterment?
Replies: 7
Views: 1374

Re: Fidelity Go or Betterment?

Take a look here: https://www.barrons.com/articles/the-top-robo-advisors-an-exclusive-ranking-1532740937 I think the no management fee structure of Schwab Intelligent Portfolios is compelling. Total average expense ratios will be less than 20 basis points. Yes I know they allocate a portion to cash...
by tj
Thu Jul 04, 2019 11:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 81
Views: 7140

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

hirlaw wrote:
Mon Jul 01, 2019 9:24 pm
What about the TIAA Intelligent Variable Annuity? It seems to have low expenses.
Is it lower than Fidelity's?
by tj
Wed Jul 03, 2019 1:41 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1793
Views: 285709

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

5.5% cashback in a chosen category on the Cash Rewards card (I have 3 of them, so I get 5.5% back in 3 categories)
Oohhh. That's clever. How did you get so many?
by tj
Tue Jul 02, 2019 6:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market yield over 2.5%
Replies: 231
Views: 48707

Re: Vanguard Prime Money Market yield over 2.5%

Currently Roth IRA has a lot in Vanguard Prime Money Market Fund ( VMMXX ). SEC 2.45%. The idea is to park money while generating spendable Income. Rates ain't going no higher. :annoyed I think it might be a good time to lock in something with higher rate, like 3%. I looked at Treasuries. Current o...
by tj
Sun Jun 30, 2019 7:21 pm
Forum: Personal Investments
Topic: Rick Ferri Fixed Income Portfolio Funds
Replies: 37
Views: 8001

Re: Rick Ferri Fixed Income Portfolio Funds

Clearly, there is more risk with PFFD than Treasury bonds. Preferred stocks are issued mainly by banks to capitalize their operations without exceeding debt limits or creating shareholder dilution. They will have more risk than bonds issued by the federal government. About 60% of PFFD dividends qua...
by tj
Sun Jun 30, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Securing a "Private Pension"?
Replies: 18
Views: 2461

Re: Securing a "Private Pension"?

I might get an SPIA when I retire. If I do, it will be through Vanguard or Fidelity. Not from a random guy holding a brief seminar at a local college who is newly licensed. Not clear whether you’ll be able to get one through Vanguard in the future. Vanguard is getting out of Variable annuities and ...
by tj
Sat Jun 29, 2019 10:37 pm
Forum: Personal Investments
Topic: Rick Ferri Fixed Income Portfolio Funds
Replies: 37
Views: 8001

Re: Rick Ferri Fixed Income Portfolio Funds

I wonder if Rick advises clients to use pffd. Seems like it has a bigger risk of capital loss than a Treasury bond fund....
by tj
Wed Jun 26, 2019 11:04 pm
Forum: Investing - Theory, News & General
Topic: Annuities objectively considered
Replies: 128
Views: 10835

Re: Annuities objectively considered

Here is the AIG SPIA that is inflation adjusted:

https://www-1000.aig.com/TridionData.do?Page_ID=583184
by tj
Tue Jun 25, 2019 4:19 pm
Forum: Personal Investments
Topic: Dodge & Cox DODIX
Replies: 13
Views: 1471

Re: Dodge & Cox DODIX

I would take bcoix over dodix. Baird has lower fees.
by tj
Mon Jun 24, 2019 3:58 am
Forum: Investing - Theory, News & General
Topic: Annuities objectively considered
Replies: 128
Views: 10835

Re: Annuities objectively considered

Doesn't AIG have an inflation adjusted spia as well? My understanding is that only Providential still offers them. Several offer fixed annual increases for SPIAs, like a +3% per year. There's no way I can see why I would ever buy a SPIA that didn't at least have a fixed adjustment, and an inflation...
by tj
Sun Jun 23, 2019 11:02 pm
Forum: Investing - Theory, News & General
Topic: Annuities objectively considered
Replies: 128
Views: 10835

Re: Annuities objectively considered

Doesn't AIG have an inflation adjusted spia as well?
by tj
Sun Jun 16, 2019 9:45 pm
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 4607

Re: 40+% increase in auto policy (GEICO) - normal?

We've been with Allstate for almost 20 years. The rates mostly increase at a reasonable rate, but a couple of times we've called to tell them we were going to shop around due to increases, and they responded by dropping our rates. That makes no sense. Rates are regulated by the state. They can't ju...
by tj
Sun Jun 16, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 4607

Re: 40+% increase in auto policy (GEICO) - normal?

We've been with Allstate for almost 20 years. The rates mostly increase at a reasonable rate, but a couple of times we've called to tell them we were going to shop around due to increases, and they responded by dropping our rates. That makes no sense. Rates are regulated by the state. They can't ju...
by tj
Wed Jun 12, 2019 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 777
Views: 86054

Re: Fidelity as a one stop shop

joe8d wrote:
Wed Jun 12, 2019 9:22 pm
Can an Ally Bank Savings account be moved to a Vanguard Brokerage Account?
sure. why not?
by tj
Tue Jun 11, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 36
Views: 3200

Re: Good Rx

There are tons of prescription discount cards. I don't know how you price all of them. I had one called lowestmed which I think got rebranded
by tj
Sat Jun 08, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Car&Apt Insurance - more than just lowest cost?
Replies: 9
Views: 565

Re: Car&Apt Insurance - more than just lowest cost?

My experience is that Amica is not competitive in California and they don't have dividend policies there either. Mercury and Wawanesa are pretty cheap in California.

The California website you are talking about is:

http://www.insurance.ca.gov/01-consumer ... /index.cfm
by tj
Sat Jun 08, 2019 4:42 am
Forum: Personal Finance (Not Investing)
Topic: Car insurance recommendations
Replies: 13
Views: 1249

Re: Car insurance recommendations

an independent broker that could shop around across many policies +1. Why spend the time to call insurance companies when a broker can do the legwork for you? Good luck with that. I look up the insurance comapnies I want to get quotes from and have to find agencies that represent them. There's no s...
by tj
Thu Jun 06, 2019 11:33 pm
Forum: Personal Investments
Topic: How to factor an Annuity into a 3-portfolio approach/allocation
Replies: 14
Views: 961

Re: How to factor an Annuity into a 3-portfolio approach/allocation

How do you have a 5% guaranteed annuity with market upside?
by tj
Thu Jun 06, 2019 10:14 pm
Forum: Personal Investments
Topic: Rick Ferri Fixed Income Portfolio Funds
Replies: 37
Views: 8001

Re: Rick Ferri Fixed Income Portfolio Funds

Just heard Rick on the White Coast Investor podcast. He currently has two years of spending in a short term bond index. The rest of his fixed income is in the PFFD ETF! What is the PFFD ETF? It's a low cost Preferred Stocks ETF. It sounded like the rationale was that the dividends are qualified? ht...