Search found 1919 matches

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: 332
Views: 17078

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: 90
Views: 15496

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: 332
Views: 17078

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: 332
Views: 17078

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: 332
Views: 17078

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: 1593

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: 332
Views: 17078

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: 14739

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: 90
Views: 15496

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: 90
Views: 15496

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: 36
Views: 1890

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: 4511

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: 4511

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: 36
Views: 1890

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: 36
Views: 1890

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...
by tj
Fri Oct 13, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 36
Views: 1890

Re: Selling Tradelines

Been doing this for about a Yr - can u explain how about it is fraud? it's most likely against the terms of service of your bank. I don't think it's fraud. I did it for a little bit, but I found it was generally not worth the hassle. You could get mail for random people, calls from debt collectors ...
by tj
Fri Oct 13, 2017 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 36
Views: 1890

Re: Selling Tradelines

StevieG72 wrote:
Fri Oct 13, 2017 7:04 pm
Sounds very sketchy.

Since you are adding them as an authorized user, what prevents them from charging on the card?
They never receive a card.
by tj
Fri Oct 13, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 4511

Re: Which Streaming Service/Live TV?

We cut cable and we now: ... 3) ... PBS (costs $5 per month to get access to everything) ... Where do you subscribe to PBS? I don't see it available as a service. I do have a login as a result of supporting my local station, but I don't think that would provide subscription benefits. It does. The $...
by tj
Thu Oct 12, 2017 8:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 90
Views: 15496

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

I would hope you don't invest in it until they are fully invested. Otherwise you just have an expensive cash fund. :D


Wellington does some internatinoal work for The Hartford. Wellington is also one of the managers of Vanguard's active Emerging Markets fund.
by tj
Mon Oct 09, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Betterment, $500k in cash, no taxable events to transfer?
Replies: 44
Views: 4468

Re: Betterment, $500k in cash, no taxable events to transfer?

What firm charges a flat annual fee of less than .25% that rebalances your portfolio and tax loss harvests for you? Only one I know of is Wisebanyan (flat fee up to 96,000 then free) and Schwab Intelligent Portfolio (0%). Automated Tax Loss harvesting is incredibly overrated. If you have a large po...
by tj
Sun Oct 08, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Betterment, $500k in cash, no taxable events to transfer?
Replies: 44
Views: 4468

Re: Betterment, $500k in cash, no taxable events to transfer?

What firm charges a flat annual fee of less than .25% that rebalances your portfolio and tax loss harvests for you? Only one I know of is Wisebanyan (flat fee up to 96,000 then free) and Schwab Intelligent Portfolio (0%). Automated Tax Loss harvesting is incredibly overrated. If you have a large po...
by tj
Sun Oct 08, 2017 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Betterment, $500k in cash, no taxable events to transfer?
Replies: 44
Views: 4468

Re: Betterment, $500k in cash, no taxable events to transfer?

Betterment is a slick interface. Wisebanyan will charge you $240 a year to tax loss harvest your account of $500,000 or $5,000,000. It may not offer all of the bells and whistles, but it'll set you up with a nice set of vanguard ETFs, rebalance them for you and let you set up multiple goals with di...
by tj
Sun Oct 08, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 187
Views: 11879

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

Weird scenario..... my brother is using my sister’s mailing address to get his mail (even though he doesn’t live there). He signed up for informed delivery so he’ll get advance look at what’s coming. He of course can see my sister’s mail as well. My question.... did my brother have to answer securi...
by tj
Fri Oct 06, 2017 12:12 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 581
Views: 92206

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Thanks EL. I just initiated a transfer of 100k to Merrill Edge and I should get $500 and the highest preferred rewards tier out of it. I have another 80k that is waiting for a good offer someplace, mostly likely a 50k offer. Q4 should bring something. Consider both a $50k and a $25k offer. ETrade o...
by tj
Sun Oct 01, 2017 10:21 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 581
Views: 92206

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Thanks EL. I just initiated a transfer of 100k to Merrill Edge and I should get $500 and the highest preferred rewards tier out of it. I have another 80k that is waiting for a good offer someplace, mostly likely a 50k offer. Q4 should bring something. Consider both a $50k and a $25k offer. ETrade o...
by tj
Sat Sep 30, 2017 1:27 am
Forum: Personal Consumer Issues
Topic: Streaming Audio
Replies: 50
Views: 4849

Re: Streaming Audio

I found this to be a convenient list of public / non-commercial music streams. Of course they'll occasionally have membership drives and sponsorship spots, but it's much less intrusive than commercial radio.

http://www.publicradiofan.com/cgibin/wh ... type=music
by tj
Wed Sep 27, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Qualified Charitable [Distributions] from Vanguard
Replies: 12
Views: 818

Re: Qualified Charitable Deductions from Vanguard

Why would they withhold tax on a qcd?
by tj
Sun Sep 24, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47214

Re: Equifax customer information leak

I received the ChexSystems pin on Friday and the Innovis pin yesterday. I froze them the day we all heard about the hooplah.

They're probably swamped with lots of requests. I wouldn't worry about it.
by tj
Sat Sep 23, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Online brokerage bonuses - ever get taken away?
Replies: 10
Views: 873

Re: Online brokerage bonuses - ever get taken away?

What brokerages have a period after the bonus awarded that you have to keep the assets at there firm? I thought once the bonus is awarded, you met the requirements and are free to do whatever you want. Is this not the case? TD Ameritrade and Scottrade both require funds to stay for a year. The T&C ...
by tj
Sat Sep 23, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Online brokerage bonuses - ever get taken away?
Replies: 10
Views: 873

Re: Online brokerage bonuses - ever get taken away?

Ive taken out early and no problem. But i did asset sales because i needes the cash. If you are transferring to a different brokeragr, it might trigger an auto claw back.
by tj
Wed Sep 20, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard PAS Seems Inflexable
Replies: 24
Views: 1896

Re: Vanguard PAS Seems Inflexable

Is there a balanced fund that would work for you? It's cheaper too. Balanced funds typically have too much international exposure for my taste. It's hard to imagine less fees than I am paying right now, which are a combined .08% if memory serves. BTW, I mentioned that I'm buy and hold. The exceptio...
by tj
Wed Sep 20, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard PAS Seems Inflexable
Replies: 24
Views: 1896

Re: Vanguard PAS Seems Inflexable

Is there a balanced fund that would work for you? It's cheaper too. Balanced funds typically have too much international exposure for my taste. It's hard to imagine less fees than I am paying right now, which are a combined .08% if memory serves. BTW, I mentioned that I'm buy and hold. The exceptio...
by tj
Wed Sep 20, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard PAS Seems Inflexable
Replies: 24
Views: 1896

Re: Vanguard PAS Seems Inflexable

...The advisor said they would rearrange the portfolio to have about 40% of stocks in international and 30% of bonds in international, with perhaps a "couple of actively managed funds". He said that once I decided to go with VG PAS they would lay out a plan that I would have to agree to in order to...
by tj
Wed Sep 20, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: 24F Looking to start an aggressive portfolio
Replies: 31
Views: 2508

Re: 24F Looking to start an aggressive portfolio

Trick? As in covertly seeking single men?

You never know. Who knows what she is getting in her pm's 😁

Its probably just habit. I didnt think anything of it.
by tj
Tue Sep 19, 2017 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Pimco Income Fund - What am I missing?
Replies: 17
Views: 2725

Re: Pimco Income Fund - What am I missing?

High returns don't come without comparable risk. This fund could drop like a stock fund next time. It's all yours, but if I held it, it would not be considered a bond fund and I'd limit the holding to 20% of stock allocation. The fund is leveraged, and in addition... The management team of Dan Ivas...
by tj
Tue Sep 19, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: 24F Looking to start an aggressive portfolio
Replies: 31
Views: 2508

Re: 24F Looking to start an aggressive portfolio

keys_af wrote:
Mon Sep 18, 2017 11:12 pm
I don't make enough to max out tsp (only an e3). I am currently only doing the TSP roth.
Check out the-military-guide . I think that is nords blog? It should have lots of relevant info for you since you are in the military.
by tj
Tue Sep 19, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: The Magic of Savings Rate
Replies: 97
Views: 10877

Re: The Magic of Savings Rate

Its incredibly simplicistic. Who is starting from 0? Who has identical expenses every year?
by tj
Mon Sep 18, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 29041

Re: Wow, Vanguard Flagship service is bad. Really bad.

You can tranafer admiral shares to other brokerages like merrill edge, just cant buy more. And of course you can convert to etf which can be held anywhere I know for certain that two years ago, I could not transfer VTSAX (TMI admiral class) from VG to Fido. I don't know if this limitation was impos...
by tj
Mon Sep 18, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 29041

Re: Wow, Vanguard Flagship service is bad. Really bad.

You can tranafer admiral shares to other brokerages like merrill edge, just cant buy more. And of course you can convert to etf which can be held anywhere
by tj
Mon Sep 18, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 29041

Re: Wow, Vanguard Flagship service is bad. Really bad.

Lowest ER's might be having an effect on attracting competent talent. Maybe, maybe not. I would be very curious to know VG's compensation scale as compared to other financial firms. Cheap pay doesn't attract top talent.... you get what you pay for. Don Its about 35k for entry level call center in s...
by tj
Mon Sep 18, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 581
Views: 92206

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Is it worth asking Merril to pay me a sum of money to keep my money with them as a retention bonus? I'm tempted to put my 100k with Schwab to get that 500$ bonus. However, I like buying my VTI commission free and the simplicity. Wasn't sure if anyone has any experience with retention from Merrill? ...
by tj
Fri Sep 15, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Good flat-fee financial advisors in Boston suburbs?
Replies: 13
Views: 1399

Re: Good flat-fee financial advisors in Boston suburbs?

texaspapas wrote:
Thu Sep 14, 2017 8:06 pm
Why not just use the Vanguard service? They have excellent choices and all their advisors are salaried without bonus for up-selling.
Presumably because they charge 30 bps. That can be substantial on a large account.
by tj
Thu Sep 14, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18323

Re: Is it really Worth it to brown bag your lunch at work?

I started bringing a soylent 2.0 into work for lunch. They are about $3 per bottle. Beats going out for $8. Save sone wear n tear on my car too. I've been mulling over doing a 12 bottle subscription of Soylent. There are ~20 lunches in a month. If I did a Soylent drink for 12 of the 20, I'd probabl...
by tj
Thu Sep 14, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18323

Re: Is it really Worth it to brown bag your lunch at work?

I make something in a slow cooker every Sunday to provide 4-5 lunches for the week. I try to limit carbs, so this is usually heavy on meats and vegetables. It runs around 15-20 dollars for the pot. I enjoy it as much or more than foods out, and it is typically healthier than the places I would go. ...
by tj
Thu Sep 14, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18323

Re: Is it really Worth it to brown bag your lunch at work?

I make something in a slow cooker every Sunday to provide 4-5 lunches for the week. I try to limit carbs, so this is usually heavy on meats and vegetables. It runs around 15-20 dollars for the pot. I enjoy it as much or more than foods out, and it is typically healthier than the places I would go. ...
by tj
Thu Sep 14, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18323

Re: Is it really Worth it to brown bag your lunch at work?

I started bringing a soylent 2.0 into work for lunch. They are about $3 per bottle. Beats going out for $8. Save sone wear n tear on my car too.
by tj
Wed Sep 13, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47214

Re: Equifax customer information leak

Is nobody freezing sagestream?
by tj
Wed Sep 13, 2017 3:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date 2015 vs Managed Payout - Is this a dumb question?
Replies: 10
Views: 1951

Re: Vanguard Target Date 2015 vs Managed Payout - Is this a dumb question?

It that's true, then how can Managed Payout allow for 4% distributions indefinitely. Or, are you saying it can't. What has the actual payout been? It's been around since May 2008, so what was the payout during the crash? Here is a table of the sum of the monthly payouts during each year of a hypoth...