Search found 2791 matches

by tj
Tue May 26, 2020 9:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard High Dividend Yield Index Fund
Replies: 169
Views: 15503

Re: Vanguard High Dividend Yield Index Fund

Here were my original thoughts. For a retiree (or any investor) who desires additional dividend income, I would think this one fund would compliment the Total Stock Index. Vanguard High Dividend Yield - 3.66% REITs - 3.22% but it really is not this high!!! That "yield" for lack of better terms is c...
by tj
Mon May 25, 2020 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap in California
Replies: 2
Views: 299

Medigap in California

My dad is going to be able to start Medicare later this year and I was helping him research. We searched the sample premiums on CA's Department of insurance consumers site, and there were a few carriers with rates lower than others. The one he's looking at is Blue Shield Part G Extra, which Is G but...
by tj
Fri May 22, 2020 9:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard said to offer Digital Advisory Service [Robo-Advisor]
Replies: 111
Views: 10393

Re: Vanguard Digital Advisor

As I understand the digital robo-advisor, it would be like having a customized target date fund with auto rebalancing with 5% bands. The cost is about .06% higher than the TR funds. So, targeted at those who like target date funds, but want some customization. Except it doesn't allow you to customi...
by tj
Thu Apr 23, 2020 9:38 am
Forum: Investing - Theory, News & General
Topic: Motif 500 direct indexing
Replies: 29
Views: 2248

Re: Motif 500 direct indexing

With Motif shutting down, I guess this product is done? So people are stuck with managing 500 individual stocks themselves ?
by tj
Sun Apr 12, 2020 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Information from CPA on all tax savings in CARES act etc
Replies: 4
Views: 1066

Re: Information from CPA on all tax savings in CARES act etc

Well, it's not totally comprehensive, I got an email from a charity that stated: P.S. If you take the standard deduction on your tax return instead of itemizing your deductions, there's a provision in the new federal coronavirus relief law (section 2204 of the CARES Act) that allows you to deduct up...
by tj
Sun Apr 12, 2020 11:55 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 390
Views: 174121

Re: How to Minimize Your Emergency Care Expenses

I posted about this in one of the coronavirus thread. Few weeks ago young adult DDs friend has all CV symptoms for days. Spending almost all the time in bed. Coughing ect. Finally they get thermometer and has 102 fever. It is Sunday we try calling around urgent care places and none would test for C...
by tj
Sat Apr 11, 2020 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 390
Views: 174121

Re: How to Minimize Your Emergency Care Expenses

I posted about this in one of the coronavirus thread. Few weeks ago young adult DDs friend has all CV symptoms for days. Spending almost all the time in bed. Coughing ect. Finally they get thermometer and has 102 fever. It is Sunday we try calling around urgent care places and none would test for C...
by tj
Mon Mar 16, 2020 8:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628923

Re: U.S. stocks in free fall

Why are people selling and locking in such huge losses? While I believe your question is rhetorical, for many folks selling for tax-loss harvesting purposes is very sane and should be done. While I have no shares in my taxable account that have unrealized losses at the moment, I would not hesitate ...
by tj
Mon Mar 16, 2020 7:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628923

Re: U.S. stocks in free fall

So, when the market drops like this, people are selling shares.

Why are people selling and locking in such huge losses?

It just doesn't make sense. Do they think it will literally go to Zero?
by tj
Fri Mar 13, 2020 10:56 am
Forum: Personal Investments
Topic: High equity allocation FIRE folks
Replies: 5
Views: 702

Re: High equity allocation FIRE folks

Very curious how one select group of Bogleheads is feeling during this market downturn: those who prefer high equity allocations up to 80%-100% as early retirees. The strategy is commonly advocated for (e.g. Karsten at Early Retirement Now) with strong logical rationale and backtested portfolio sur...
by tj
Thu Mar 12, 2020 3:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628923

Re: U.S. stocks in free fall

Well, I submitted a Roth conversion today. We'll see if I should have waited even longer!
by tj
Tue Mar 10, 2020 9:11 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628923

Re: U.S. stocks in free fall

ReformedSpender wrote:
Tue Mar 10, 2020 8:40 am
tj wrote:
Tue Mar 10, 2020 8:34 am
Is the Russell 2000 really down 9% right now? Crazy
yesterday
Yahoo was showing it down with the others up. Must have been a delay
by tj
Tue Mar 10, 2020 8:34 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628923

Re: U.S. stocks in free fall

Is the Russell 2000 really down 9% right now? Crazy
by tj
Sat Mar 07, 2020 2:17 pm
Forum: Personal Investments
Topic: Flat fee advisor
Replies: 5
Views: 726

Re: Flat fee advisor

abr502 wrote:
Fri Mar 06, 2020 11:07 pm
I also have EAM and totally get what you say. I still have them, but talked to Scott Salaska from firstmetric.com

Talk to him and see if you like him.

Out of curiosity, who are the top two you selected from White Coat?
If you didn't know, that is Rick' ferri's old partner.
by tj
Wed Mar 04, 2020 10:16 pm
Forum: Personal Investments
Topic: Do Insurance Companies Limit How Much of Your 401K Savings You Can Invest in a SPIA?
Replies: 9
Views: 795

Re: Do Insurance Companies Limit How Much of Your 401K Savings You Can Invest in a SPIA?

Hello, this question is for anyone with actual experience with insurance companies while purchasing a Single Premium Immedite Income Annuity: Does the insurance company limit you to a certain percentage of your 401K that they will allow you use to purchase to purchase a lifetime immediate annuity? ...
by tj
Sun Mar 01, 2020 10:09 am
Forum: Personal Investments
Topic: Tax Loss Harvest after Tax Gain Harvesting at 0% in January
Replies: 2
Views: 168

Re: Tax Loss Harvest after Tax Gain Harvesting at 0% in January

No you can't choose to do that. There would be zero reason to tlh since you are just lowering your cost basis with no benefit.
by tj
Sat Feb 29, 2020 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidy Question
Replies: 11
Views: 1283

Re: ACA Subsidy Question

Subsidies are based on annual income. Nothing you can do about it other than try to lower your income with deductions. Deductions do nothing for you. It's based on Modified AGI, which is before deductions. Eligible tIRA deductions do affect it. They go on line 8a of the 2019 1040 and AGI used for t...
by tj
Sat Feb 29, 2020 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidy Question
Replies: 11
Views: 1283

Re: ACA Subsidy Question

BruDude wrote:
Thu Feb 06, 2020 12:45 am
Subsidies are based on annual income. Nothing you can do about it other than try to lower your income with deductions.
Deductions do nothing for you. It's based on Modified AGI, which is before deductions.
by tj
Thu Feb 27, 2020 9:18 am
Forum: Personal Investments
Topic: 1099-Misc earning to ROTH
Replies: 12
Views: 644

Re: 1099-Misc earning to ROTH

The IRS considers board members independent contractors and their compensation self-employment income. Curious to know -- if the entire $2000 can be contributed to Roth, or only $1700 ($2000 less approximately 15% in self employment taxes) ? Assuming I am willing to pay the self employment taxes to...
by tj
Sun Feb 23, 2020 12:54 pm
Forum: Personal Investments
Topic: Considering switch from Vanguard to eTrade...pros, cons and other input?
Replies: 98
Views: 8521

Re: Considering switch from Vanguard to eTrade...pros, cons and other input?

The only downside to Schwab is that you don't get world wide free ATMs. Is this new? What I have read at Schwab website and experienced is that they provide unlimited worldwide ATM rebates. So far I have seen this to be true in every country I've visited, including in Africa, Europe and Asia. I'm a...
by tj
Mon Feb 17, 2020 9:43 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Fidelity's new Zero funds
Replies: 36
Views: 3562

Re: Thoughts on Fidelity's new Zero funds

As far as I know, Fidelity doesn't have any new zero funds. They have the original two and then the additional 2. They never got around to creating a Zero-Fee bond fund. I'm not surprised. Lol what they have the lowest cost bond fund out of anyone at 0.025%. did they say they'd make a ZERO bond? I ...
by tj
Mon Feb 17, 2020 8:03 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Fidelity's new Zero funds
Replies: 36
Views: 3562

Re: Thoughts on Fidelity's new Zero funds

As far as I know, Fidelity doesn't have any new zero funds. They have the original two and then the additional 2. They never got around to creating a Zero-Fee bond fund. I'm not surprised.
by tj
Mon Feb 17, 2020 2:29 pm
Forum: Investing - Theory, News & General
Topic: Motif 500 direct indexing
Replies: 29
Views: 2248

Re: Motif 500 direct indexing

Evidently they now have four "tilt" options for 15 bps. https://www.motif.com/direct-index/select-strategy Low Volatility Tilt A quantitative strategy portfolio that holds stocks of the Motif 500 that have recorded low price fluctuations to seek better risk-adjusted returns. Value Tilt A fundamental...
by tj
Sun Feb 16, 2020 2:42 pm
Forum: Personal Investments
Topic: VWITX (not a portfolio review)
Replies: 13
Views: 666

Re: VWITX (not a portfolio review)

It is included in magi which affects taxability of social security benefits as well as aca subsidies, if either of those are relevant.
by tj
Sun Feb 16, 2020 2:41 pm
Forum: Personal Investments
Topic: What’s up with Vanguard Tax-managed Small Cap VTMSX
Replies: 15
Views: 1678

Re: What’s up with Vanguard Tax-managed Small Cap VTMSX

If they've been underperforming, it sounds like it's an even better time to buy.
by tj
Tue Feb 11, 2020 4:07 pm
Forum: Personal Investments
Topic: 529: Oregon Savings Plan vs Nevada Vanguard
Replies: 6
Views: 273

Re: 529: Oregon Savings Plan vs Nevada Vanguard

How much was the deduction? A $300 credit is better than a larger deduction for most people.
by tj
Tue Feb 11, 2020 12:08 am
Forum: Personal Finance (Not Investing)
Topic: GEHA HSA contributions in H&R Block
Replies: 15
Views: 748

Re: GEHA HSA contributions in H&R Block

I couldn't find anyway to override the 8889 in H&R Block, so I just left it be with the wrong lower amount in the box 9. The IRS will get a 5498-SA from the HSA and see that I did not overcontribute and how much was actually contributed for 2019. You can open up the form, right click on Line 9 and ...
by tj
Mon Feb 10, 2020 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: GEHA HSA contributions in H&R Block
Replies: 15
Views: 748

Re: GEHA HSA contributions in H&R Block

I couldn't find anyway to override the 8889 in H&R Block, so I just left it be with the wrong lower amount in the box 9. The IRS will get a 5498-SA from the HSA and see that I did not overcontribute and how much was actually contributed for 2019. You can open up the form, right click on Line 9 and ...
by tj
Sun Feb 09, 2020 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: GEHA HSA contributions in H&R Block
Replies: 15
Views: 748

Re: GEHA HSA contributions in H&R Block

You don’t enter/report the GEHA pass through contributions to the HSA. You don’t deduct them either. Spirit Rider, please correct me if I am wrong. You have to report them, don't you? If they aren't reportable, what would stop someone from just contributing an extra $900? pretty sure the total cont...
by tj
Sun Feb 09, 2020 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: GEHA HSA contributions in H&R Block
Replies: 15
Views: 748

Re: GEHA HSA contributions in H&R Block

How much is listed in Box 12 of your W-2? Employer contributions and employee contributions made by payroll deduction already aren’t included in your Box 1 wages, and are listed in Box 12 with code W. I’m not a federal employee, but I would think the insurer contributions are reported similar to em...
by tj
Sun Feb 09, 2020 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: GEHA HSA contributions in H&R Block
Replies: 15
Views: 748

Re: GEHA HSA contributions in H&R Block

Trapper wrote:
Sun Feb 09, 2020 2:24 pm
You don’t enter/report the GEHA pass through contributions to the HSA.
You don’t deduct them either.

Spirit Rider, please correct me if I am wrong.
You have to report them, don't you?

If they aren't reportable, what would stop someone from just contributing an extra $900?
by tj
Sun Feb 09, 2020 11:37 am
Forum: Personal Investments
Topic: Make The Case: Fidelity v. Schwab
Replies: 66
Views: 4960

Re: Make The Case: Fidelity v. Schwab

sabhen wrote:
Sat Feb 08, 2020 9:46 pm
With regards to sending international wires overseas in US dollars. Schwab charges $25. I was told fidelity does not. That is a factor that may make open a business checking account with Fidelity.
Fidelity doesn't offer business checking accounts. Or checking accounts at all.
by tj
Sun Feb 09, 2020 9:05 am
Forum: Personal Finance (Not Investing)
Topic: GEHA HSA contributions in H&R Block
Replies: 15
Views: 748

GEHA HSA contributions in H&R Block

Anyone use H&R Block Tax Software? Where are you inputting the $900 for the HSA that the insurance company contributes? The software won't let me manually override the number showing on line 9. H&R Chat support is useless, they said that I need to get a corrected W-2. Form 8889 instruction says to p...
by tj
Wed Feb 05, 2020 3:40 pm
Forum: Personal Investments
Topic: Vanguard Personal Advisor Service
Replies: 6
Views: 1034

Re: Vanguard Personal Advisor Service

Vanguard's model for PAS appears to me to be that you get whoever answers the phone. Not a specific advisor anymore. The suggestions tend to follow a target date fund for your age but broken out into separate funds....so Large Cap + Mid Cap + Small Cap instead of simply using TSM. Other places tend...
by tj
Mon Feb 03, 2020 10:14 am
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 310
Views: 46030

Re: The One-Fund Portfolio as a default suggestion

I mean I'm thinking 100s of thousands in fees let alone taxes and lost returns when younger Why would you think this? This seems like a pretty extreme thought. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=302611&p=4995292 If you are starting with a balance of $1,000,000, that is not realis...
by tj
Mon Feb 03, 2020 8:41 am
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 310
Views: 46030

Re: The One-Fund Portfolio as a default suggestion

I mean I'm thinking 100s of thousands in fees let alone taxes and lost returns when younger Why would you think this? This seems like a pretty extreme thought. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=302611&p=4995292 If you are starting with a balance of $1,000,000, that is not realis...
by tj
Mon Feb 03, 2020 8:23 am
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 310
Views: 46030

Re: The One-Fund Portfolio as a default suggestion

I mean I'm thinking 100s of thousands in fees let alone taxes and lost returns when younger
Why would you think this? This seems like a pretty extreme thought.
by tj
Mon Jan 27, 2020 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account
Replies: 66
Views: 3995

Re: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account

Make sure you look out for your 1099 forms from Simple in the mail. Incredibly enough for an online bank, they don't seem to make them available on the website. And annoying they separate out the statements for each account's interest and promo bonus. So I got 4 statements, including one for one ce...
by tj
Mon Jan 27, 2020 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account
Replies: 66
Views: 3995

Re: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account

Make sure you look out for your 1099 forms from Simple in the mail. Incredibly enough for an online bank, they don't seem to make them available on the website. And annoying they separate out the statements for each account's interest and promo bonus. So I got 4 statements, including one for one ce...
by tj
Sat Jan 25, 2020 10:43 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 390
Views: 174121

Re: How to Minimize Your Emergency Care Expenses

Our particular insurance has a $50 co-pay for "urgent care" and a $65 co-pay for an ER visit. So I don't use urgent care facilities. My ER has records on me going back over 20 years. No incentive to use urgent care at all. Plus, my PCP is available via a phone call, as he gave us his direct cell ph...
by tj
Thu Jan 23, 2020 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: [Marcus Savings Account - Interest rate is now 1.7%]
Replies: 167
Views: 22692

Re: [Marcus Savings Account - Interest rate is now 1.7%]

ReformedSpender wrote:
Thu Jan 23, 2020 8:58 am
tj wrote:
Wed Jan 22, 2020 7:40 pm
I got an email that they are offering me $100 to increase my balance by $10,000 and hold for 60 days.
100 bucks is a 100 bucks but this is a whopping 1% bonus. Doesn't get me too excited.
It would be 1% if you had to hold for a year. You don't.
by tj
Wed Jan 22, 2020 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: [Marcus Savings Account - Interest rate is now 1.7%]
Replies: 167
Views: 22692

Re: [Marcus Savings Account - Interest rate is now 1.7%]

I got an email that they are offering me $100 to increase my balance by $10,000 and hold for 60 days.
by tj
Mon Jan 20, 2020 11:45 am
Forum: Personal Investments
Topic: Vanguard PAS Recommendation?
Replies: 47
Views: 3028

Re: Vanguard PAS Recommendation?

SlowMovingInvestor wrote:
Sun Jan 19, 2020 9:23 pm
I wonder if the portfolios PAS recommends are based on these model portfolios from VG ?

https://advisors.vanguard.com/iwe/pdf/FASINVMP.pdf
In DIgital Advisor, they only use the four main ETF's.


When I had a plan from PAS, it was also only the four main ETFs.
by tj
Sun Jan 19, 2020 8:15 pm
Forum: Personal Investments
Topic: Vanguard PAS Recommendation?
Replies: 47
Views: 3028

Re: Vanguard PAS Recommendation?

But Fidelity Go doesn't get you a human advisor, while PAS gives you some access to a human advisor, yes ? ADDED: To amend my earlier statement, Fido Go does have some human advisor access, I gather. Fidelity Go deos not have human advisor access. Fidelity Go's advising that includes a human with t...
by tj
Sun Jan 19, 2020 7:15 pm
Forum: Personal Investments
Topic: Vanguard PAS Recommendation?
Replies: 47
Views: 3028

Re: Vanguard PAS Recommendation?

The downsides are the 30bps you pay and the forced international bonds. If you don't mind the international bonds, then it's just the 30bps. 38 basis points. While Fidelity Go is actually the 35 basis points they advertise, PAS doesn't count the underlying funds cost in their 30 bps figure. Again, ...
by tj
Sun Jan 19, 2020 6:44 pm
Forum: Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 141
Views: 33221

Re: Is the Vangaurd Balanced Index Fund all you need?

Funny how some can be so petty over a few basis points. I don't think they are razor thin. But luckily Fidelity and Schwab must be doing that Maybe if brokerages offered flat prices people wouldn't be. These brokers are still ripping people off - index funds are a commodity. Think of how Vanguard s...
by tj
Sun Jan 19, 2020 6:42 pm
Forum: Personal Investments
Topic: Vanguard PAS Recommendation?
Replies: 47
Views: 3028

Re: Vanguard PAS Recommendation?

No downsides I can see, at least for now. The downsides are the 30bps you pay and the forced international bonds. If you don't mind the international bonds, then it's just the 30bps. 38 basis points. While Fidelity Go is actually the 35 basis points they advertise, PAS doesn't count the underlying ...
by tj
Sun Jan 19, 2020 5:57 pm
Forum: Personal Investments
Topic: Vanguard PAS Recommendation?
Replies: 47
Views: 3028

Re: Vanguard PAS Recommendation?

GmanJeff wrote:
Sun Jan 19, 2020 2:36 pm
Yes, you have a dedicated advisor with PAS.
No you don't, you have access to the PAS team until a certain asset level.
by tj
Sun Jan 19, 2020 12:08 pm
Forum: Personal Investments
Topic: Vanguard PAS Recommendation?
Replies: 47
Views: 3028

Re: Vanguard PAS Recommendation?

No downsides I can see, at least for now.
The downsides are the 30bps you pay and the forced international bonds. If you don't mind the international bonds, then it's just the 30bps.
by tj
Sun Jan 19, 2020 9:18 am
Forum: Personal Investments
Topic: Vanguard PAS Recommendation?
Replies: 47
Views: 3028

Re: Vanguard PAS Recommendation?

....I have found PAS helpful with tax loss harvesting..... Do they do this on their own? Or do they help you if you decide to tax loss harvest? It's not automatic, but PAS has been willing to help identify specific shares to sell. What funds do they use to tlh into? That will vary, depending on you...