Search found 1974 matches

by tj
Fri Dec 15, 2017 12:13 pm
Forum: Investing - Theory, News & General
Topic: Podcasts for Bogleheads?
Replies: 23
Views: 3085

Re: Podcasts for Bogleheads?

This is probably a dumb request, but can someone link to the Vanguard podcast main page? Google search does not seem to be helpful.


I had no idea Vanguard did podcasts.
by tj
Fri Dec 15, 2017 12:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 117
Views: 27789

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

dh wrote:
Fri Dec 15, 2017 11:19 am
tj: Under the Portfolio tab you can see the country breakdown (near the bottom of the page).
Listed as Country diversification (% of fund) as of 11/30/2017


Yes but you cannoot see the individual stock and bond holdings.
by tj
Fri Dec 15, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: Difference between VG Growth and Income vs Equity Income Funds
Replies: 5
Views: 407

Re: Difference between VG Growth and Income vs Equity Income Funds

I hold VEIRX. I prefer the types of stocks it owns over the index. No Facebook etc. I don't expect a major difference vs the index in the long run. It's just personal preference. I haven't noticed gains distributions on VEIPX to be horrific, but if you're in a high tax bracket, no reason to realize ...
by tj
Fri Dec 15, 2017 10:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 117
Views: 27789

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

I see that the initial portfolios for Global Wellesley and Global Wellington are now available. In just looking at the equity breakdown: Global Wellington's US equity holdings are just over 50%, and Global Wellesley US equity holdings are just under 50%. Wellesley includes emerging markets, whereas...
by tj
Thu Dec 14, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 138
Views: 12883

Re: FIRE [financial independence/retire early]

It's certainly possible - even easy - to live on less than $30K a year in many areas. You know, I honestly think I can live off half that if I curb my restaurant habits and don't travel abroad frequently. I don't have a mortgage because I paid cash...so the most expensive monthly cost is...uhh,food...
by tj
Thu Dec 14, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to contribute to Vanguard i401k?
Replies: 4
Views: 313

Re: How to contribute to Vanguard i401k?

I created an i401k with Vanguard and it looks like it doesn't let me contribute funds through my taxable account. I wanted to just transfer over some funds from my money market into my i401k. Do I need to transfer this money back to my checking account and then contribute to my 401k? There's a diff...
by tj
Thu Dec 14, 2017 4:42 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 677
Views: 114393

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I have two E*Trade accounts. One will always be $0.

I guess they don't care.
by tj
Wed Dec 13, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10724

Re: Do people still use AAA?

There have been a number of replies that mention using AAA when their battery failed. That is why it is usually better to replace an auto battery proactively. If the battery is old, you will need to replace it anyway. If you wait until it fails, you may have the inconvenience of being stuck, you ma...
by tj
Wed Dec 13, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10724

Re: Do people still use AAA?

There have been a number of replies that mention using AAA when their battery failed. That is why it is usually better to replace an auto battery proactively. If the battery is old, you will need to replace it anyway. If you wait until it fails, you may have the inconvenience of being stuck, you ma...
by tj
Wed Dec 13, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10724

Re: Do people still use AAA?

Finridge wrote:
Wed Dec 13, 2017 1:16 am
Careful. Using the battery service now counts as one of your four service calls. It didn't used to.
i don't care. 90% of the service calls I've needed are battery service. Does anyone else offer mobile battery swaps?
by tj
Tue Dec 12, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10724

Re: Do people still use AAA?

I'm already on my 3rd battery on my Civic (I hear they need to be changed more frequently here in Phoenix with the heat) and I know I had at least one battery change on my previous car. For me, the mobile battery service is well worth it. Are there other mobile battery installers? I also lost a tire...
by tj
Tue Dec 12, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Progressive Insurance
Replies: 19
Views: 1280

Re: Progressive Insurance

I’ve been with Flo for six years now. They are still way cheaper than other companies. Maybe give American Family a chance to match their price? I shop around every 6 months and have never known an insurance carrier to match another's rates. Has anybody had a different experience? I don't think tha...
by tj
Tue Dec 12, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 24
Views: 2815

Re: Electric Bicycles

I was looking into these, but I really don't like bicycling. I discovered that there was adult tricycles, including electric options, but whether you have the electric or not, they're all 70 lbs. That might get old lifting up the stairs to my 2nd story apartment, but I guess it would be free weight ...
by tj
Tue Dec 12, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Progressive Insurance
Replies: 19
Views: 1280

Re: Progressive Insurance

Getting to the point where after 24 years it feels like American Family is over charging us for car insurance. Over $2,400/6 months for full coverage on 3 drivers and 3 vehicles with no accidents or tickets. One of those drivers is a 16 year old boy, but still seems high. Got a quote from Progressi...
by tj
Tue Dec 12, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 213
Views: 15778

Re: [Prevent mail theft; sign for USPS Informed Delivery]

I get notificaions for stuff with my address but someone else's name, but the mailman doesn't bother to deliver stuff not in my name, it makes me wonder how long ago these people lived at my address. :D
by tj
Fri Dec 08, 2017 9:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Phoenix, AZ Bogleheads?
Replies: 39
Views: 10199

Re: Phoenix, AZ Bogleheads?

I'm guessing the local group is still inactive?
by tj
Thu Dec 07, 2017 2:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Expands Active Fixed Income Fund Lineup With Emerging Markets Bond Fund
Replies: 10
Views: 912

Re: Vanguard Expands Active Fixed Income Fund Lineup With Emerging Markets Bond Fund

Interesting. Are Emerging Market bonds less risky than Emerging Market stocks?


It looks like The Vanguard Emerging Market Bond index is for government debt only, while this fund can invest in corporate debt in the emerging markets as well.
by tj
Thu Dec 07, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 677
Views: 114393

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

drk wrote:
Wed Dec 06, 2017 10:28 pm
It looks like there's a new Schwab bonus that should be a good option for those looking to transfer between $10k and $100k.

https://www.schwab.com/public/schwab/nn ... d_sps.html
The Schwab offers are once per lifetime unfortunately. Or they were at one point.
by tj
Wed Nov 29, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 253
Views: 44099

Re: USAA 2.5% Cash Back Credit Card

Actually its a 1.5% reward with an added 1% if you maintain the required 1K monthly direct deposit. It would not surprise me if they just dropped the extra 1% (which means I'll switch back to my Citi X 2 card for more purchases) USAA already has a card (Preferred Cash Rewards Visa) that offers a fl...
by tj
Sat Nov 25, 2017 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Breaking up with USAA--banking alternatives welcomed
Replies: 36
Views: 7763

Re: Breaking up with USAA--banking alternatives welcomed

aron, thank you for your service. If an online bank works for you, I recommend Ally https://www.ally.com/ . Lots of options, excellent CD management, competitive savings and CD rates, good iPhone app to deposit checks. About the only thing you can't do is deposit cash or coins. aron posted nearly t...
by tj
Sat Nov 25, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Breaking up with USAA--banking alternatives welcomed
Replies: 36
Views: 7763

Re: Breaking up with USAA--banking alternatives welcomed

I know people rave about their auto insurance--it's expensive and not competitive. Same goes with their other insurance offerings. There was a time when I and others would be willing to pay that premium because of the service they provided and that it felt good to be part of the larger USAA eco sys...
by tj
Fri Nov 24, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on commercial liability insurance
Replies: 9
Views: 608

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: 64
Views: 4712

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: 2074

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: 2074

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: 2074

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: 2074

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: 2625

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: 2625

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: 138
Views: 15522

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: 3840

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: 138
Views: 15522

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: 253
Views: 44099

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: 253
Views: 44099

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: 253
Views: 44099

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: 138
Views: 15522

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: 253
Views: 44099

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 good news
Replies: 110
Views: 17719

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: 138
Views: 15522

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: 253
Views: 44099

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: 4184
Views: 1117489

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: 4184
Views: 1117489

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: 4117

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: 4117

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: 677
Views: 114393

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: 921

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: 4476

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: 4476

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: 4476

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: 677
Views: 114393

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...