Search found 2374 matches

by tj
Sun Jun 16, 2019 9:45 pm
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 65
Views: 3465

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: 65
Views: 3465

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: 735
Views: 77914

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: 3060

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: 532

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: 1211

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: 939

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: 27
Views: 5386

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...
by tj
Thu Jun 06, 2019 8:08 pm
Forum: Personal Investments
Topic: Rick Ferri Fixed Income Portfolio Funds
Replies: 27
Views: 5386

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!
by tj
Wed Jun 05, 2019 11:55 pm
Forum: Personal Consumer Issues
Topic: Amazon free shipping, bait-and-switch?
Replies: 46
Views: 4264

Re: Amazon free shipping, bait-and-switch?

https://i.ibb.co/r7spwdK/AZ-05.png I logged in using a different non-prime associated email address and got four options as many point out above using my home address. However, when I changed the delivery address to the locker shown in the above picture, I only get the one option. So the "bug" is b...
by tj
Wed Jun 05, 2019 11:05 pm
Forum: Personal Consumer Issues
Topic: Massachusetts Auto Insurance "Safety Insurance"
Replies: 17
Views: 846

Re: Massachusetts Auto Insurance "Safety Insurance"

My only issue with GEICO was their liability options capped out pretty low compared to USAA and GEICO. If you are content with GEICO's limits, I'd go with them?
by tj
Tue Jun 04, 2019 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: PolicyGenius
Replies: 7
Views: 732

Re: PolicyGenius

Chubb is associated with HNW folks, I would think they have a more comprehensive contract than MetLife. No idea though.
by tj
Tue Jun 04, 2019 3:10 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1763
Views: 277284

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Is there a website or Wiki page that keeps current on brokerage transfer bonuses? Rick Ferri This is in the OP's initial post, back in 2016....not sure if it's the best but you can start here: https://www.hustlermoneyblog.com/best-brokerage-bonuses/ That's going to be a no. They maintain the links ...
by tj
Thu May 30, 2019 11:16 pm
Forum: Personal Investments
Topic: Parking cash in Cali
Replies: 3
Views: 800

Re: Parking cash in Cali

Vanguard Treasury Money Market. No State income taxes.

https://investor.vanguard.com/mutual-fu ... file/VUSXX
by tj
Thu May 30, 2019 11:03 pm
Forum: Personal Investments
Topic: Should I move my Vanguard Roth IRA to TIAA?
Replies: 16
Views: 1419

Re: Should I move my Vanguard Roth IRA to TIAA?

I think I'll hang tight with Vanguard for now. I wish I'd never started with TIAA, but it is what it is... You're in a good situation. You have access to Trad and TREA, which are unique products. And TIAA has arguably the best immediate annuities available when it comes time to retire with a hefty ...
by tj
Thu May 30, 2019 10:01 pm
Forum: Personal Investments
Topic: Vanguard moving clients from mutual funds to ETFs?
Replies: 34
Views: 3955

Re: Vanguard moving clients from mutual funds to ETFs?

What's there to "force" ? When you hire VPAS, they are in charge of your portfolio... Interesting perspective. I’m not a PAS user so don’t care one way or the other but I’ll predict some wailing and gnashing of teeth over this if it comes to pass. I mean, there was much wailing and gnashing of teet...
by tj
Thu May 30, 2019 5:58 pm
Forum: Personal Investments
Topic: Vanguard moving clients from mutual funds to ETFs?
Replies: 34
Views: 3955

Re: Vanguard moving clients from mutual funds to ETFs?

Are you saying that VG PAS clients will be required to switch to ETFs by YE 2020? On one hand I’m surprised that they’d force a move like that but... there no doubt it’s a lower cost/effort model for them to maintain. Should be interesting to read the forum discussions on this if in fact there is n...
by tj
Thu May 30, 2019 4:29 am
Forum: Personal Investments
Topic: Should I move my Vanguard Roth IRA to TIAA?
Replies: 16
Views: 1419

Re: Should I move my Vanguard Roth IRA to TIAA?

I think I'll hang tight with Vanguard for now. I wish I'd never started with TIAA, but it is what it is... You're in a good situation. You have access to Trad and TREA, which are unique products. And TIAA has arguably the best immediate annuities available when it comes time to retire with a hefty ...
by tj
Wed May 29, 2019 11:41 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1037
Views: 90057

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Spirit Rider wrote:
Wed May 29, 2019 6:34 pm
I thought Health Equity requires a partial transfer to leave $25 in the account.

So leave all but $25 and spend the $25 on the debit card?
by tj
Wed May 29, 2019 2:01 pm
Forum: Investing - Theory, News & General
Topic: USAA getting out of mutual fund biz
Replies: 51
Views: 8468

Re: USAA getting out of mutual fund biz

All I have is a token money market mutual fund with $50 per month going into it. I have received no such notice and I don't appear to have lost any functionality. There's a withdraw funds link.
by tj
Sun May 26, 2019 7:18 pm
Forum: Personal Investments
Topic: Did anyone here create a Jefferson National (Nationwide) annuity back when it was flat fee?
Replies: 3
Views: 495

Re: Did anyone here create a Jefferson National (Nationwide) annuity back when it was flat fee?

Taxes are deferred, but when you realize the income you'll pay at your marginal rate rather than LTCG.
by tj
Sat May 25, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: American Express lowered my credit limit
Replies: 61
Views: 4977

Re: American Express lowered my credit limit

Same letter, same card. Mine was reduced to $7,500. I probably charge $100/month on it (I just use it for groceries for the 3% cashback so that I can get enough reward dollars to redeem $25, then it will go back in the sock drawer. I don't remember the original limit. don't care, I didn't bother cal...
by tj
Tue May 21, 2019 6:01 pm
Forum: Investing - Theory, News & General
Topic: Is there a FAANG ETF?
Replies: 37
Views: 3071

Re: Is there a FAANG ETF?

AerialWombat wrote:
Tue May 21, 2019 5:23 pm
Funny. Last year I was asking for a fund that holds the entire market *minus* the FAANGs.
I would buy this.
by tj
Fri May 03, 2019 2:01 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1763
Views: 277284

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

pre wrote:
Fri May 03, 2019 11:29 am
Makaveli wrote:
Fri May 03, 2019 9:43 am
After reading the fine print the only fee I may run into is the "account closing". I believe that will be $25-$50...
Alas, they charge $75. But hopefully reimbursable
Why not just leave the account open and empty?
by tj
Thu May 02, 2019 2:08 pm
Forum: Investing - Theory, News & General
Topic: WSJ--How Schwab Ate Wall Street
Replies: 82
Views: 9422

Re: WSJ--How Schwab Ate Wall Street

If Schwab had a 2% on everything credit card like Fidelity, I would go there in a heartbeat. While not 2%, CS has a 1.5% on everything card with Amex. Thanks for the info. Years ago I had an AE card. It seems as tho' some places don't accept it; I believe the charge to the retailer is more than the...
by tj
Thu May 02, 2019 1:57 am
Forum: Investing - Theory, News & General
Topic: [How ETFs use "Heartbeat trades" to avoid taxes, Vanguard's patent]
Replies: 116
Views: 6078

Re: Bloomberg--Vanguard Patented a Way to Avoid Taxes on Mutual Funds

rks wrote:
Wed May 01, 2019 11:11 pm
Can someone clarify if this tax advantage is only applicable to Vanguard ETFs? If someone has invested in Vanguard mutual fund, will they also avail the same advantage?

Did you read the article? :mrgreen: :oops:
by tj
Wed Apr 24, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 172
Views: 19867

Re: Why should FEHB members buy Medicare Part B?

rosemary11 wrote:
Wed Apr 24, 2019 12:29 pm
Is Standard GEHA OR BASIC BCBS better as a supplement to Medicare part B?
Aetna direct is the one people mention a lot for Medicare. Not sure why it's not in this thread.
by tj
Wed Apr 24, 2019 5:06 pm
Forum: Personal Investments
Topic: Moving HSA from old job to Fidelity -- will I have to pay any fees?
Replies: 8
Views: 611

Re: Moving HSA from old job to Fidelity -- will I have to pay any fees?

whodidntante wrote:
Wed Apr 24, 2019 12:57 pm
Maybe you could wait to see if Vanguard offers a cash management account too. Anything is possible.

What does a cash management account have to do with hsa?
by tj
Sat Apr 13, 2019 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant 3/2.5% card - any experience?
Replies: 52
Views: 8962

Re: Alliant 3/2.5% card - any experience?

The website shows the $99 fee. They haven't notified anyone. Who knows if they will. I'm cancelling before the next fee hits next month.
by tj
Tue Apr 09, 2019 11:25 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1763
Views: 277284

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Open accounts with a few dollars seems to attract targeted offers from Etrade. I just got one for an old Roth with a few bucks. So you can just open Etrade Account #2 for bonus #2? Absolutely you can. I have two $0 accounts now from two different bonus offers. They don't seem to care How long after...
by tj
Tue Apr 09, 2019 10:28 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1763
Views: 277284

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Mike14 wrote:
Tue Apr 09, 2019 10:26 pm
Does etrade allow 2 bonuses simultaneously? 1 for tIRA and 1 for Roth? Or one brokerage and one retirement?
What do the terms and conditions say?
by tj
Mon Apr 08, 2019 2:21 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1763
Views: 277284

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

JustinR wrote:
Sat Apr 06, 2019 2:21 am
Earl Lemongrab wrote:
Sat Apr 06, 2019 1:53 am
Open accounts with a few dollars seems to attract targeted offers from Etrade. I just got one for an old Roth with a few bucks.
So you can just open Etrade Account #2 for bonus #2?


Absolutely you can. I have two $0 accounts now from two different bonus offers. They don't seem to care
by tj
Sat Mar 30, 2019 2:01 pm
Forum: Personal Investments
Topic: Schwab's Intelligent Advisory (now live)
Replies: 33
Views: 7547

Re: Schwab's Intelligent Advisory (now live)

elainet7 wrote:
Sat Mar 30, 2019 10:31 am
schwabs new service is $300 upfront for plan and set up and $30 monthly
That's what I mentioned two posts ago.
by tj
Fri Mar 29, 2019 11:06 am
Forum: Personal Investments
Topic: Schwab's Intelligent Advisory (now live)
Replies: 33
Views: 7547

Re: Schwab's Intelligent Advisory (now live)

Yes, I'm still with SIA and SIP, but, I plan on dropping SIP (as soon as those taxable gains are wiped away or at a loss) and keep SIA only minimum (25K) so I get unlimited access to CFP and best yet, access to planning software MoneyGuidePro. You cant get access to MGP for $70/yrs anywhere. Fideli...
by tj
Tue Mar 26, 2019 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 Open Season] FEHB HDHP options for Federal Employees
Replies: 33
Views: 3288

Re: FEHB HDHP options for Federal Employees

What is NFC Payroll? How do we know if our payroll is handeled through that? I work for IRS. According to OPM, all components of the department of the Treasury use NFC and allow Employee Self Service. https://www.opm.gov/healthcare-insurance/healthcare/plan-information/national-finance-center-emplo...
by tj
Tue Mar 26, 2019 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: [Federal Employee - Switching from Reserve Tri-Care to FEHB]
Replies: 5
Views: 282

Re: [Federal Employee - Switching from Reserve Tri-Care to FEHB]

I wouldn’t bother with TDAMERITRADE

I just hae HSA Bank auto-transfer over a certain amount to TD Ameritrde and manually invest at TDA. I have the payroll deduction going to Fidelity.
by tj
Tue Mar 26, 2019 11:13 am
Forum: Personal Finance (Not Investing)
Topic: What is the best gas credit cards hands down?
Replies: 65
Views: 3363

Re: What is the best gas credit cards hands down?

My PenFed Visa Platinum Cash Rewards card pays 5% back on gas purchases. And I just discovered , it now pays 3% back on grocery store purchases. No annual fee. It paid 3% on groceries at the beginning, but I didn't realize that it still did. I thought they reduced it at some point. They reduced the...
by tj
Sun Mar 24, 2019 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Restricted application/spousal benefits
Replies: 8
Views: 834

Re: Restricted application/spousal benefits

I thought the restricted applications weren't available any more? When is the cut off?
by tj
Fri Mar 22, 2019 10:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1918031

Re: U.S. stocks in free fall

frugalecon wrote:
Fri Mar 22, 2019 3:24 pm
Always happy when this occurs on a payday, so my TSP contribution goes in at a lower price.
Your contributions go in on Friday? I thought mine do on Monday.
by tj
Fri Mar 22, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA-how are you investing the funds?
Replies: 36
Views: 2537

Re: Fidelity HSA-how are you investing the funds?

If you're going to keep it in cash, you should at least use one of the Fidelity money market funds.
by tj
Wed Mar 20, 2019 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Transfer into TSP
Replies: 17
Views: 846

Re: IRA Transfer into TSP

hoppy08520 wrote:
Wed Mar 20, 2019 1:35 pm
tj wrote:
Tue Mar 19, 2019 4:30 pm
For whatever reason, Roth ira's can't be transferred into the tsp.
Just one point on this: Roth IRAs cannot be rolled into Roth 401(k) plans either, or any employer retirement plan, not just the TSP.
Is there a reason they made it that way?
by tj
Tue Mar 19, 2019 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Transfer into TSP
Replies: 17
Views: 846

Re: IRA Transfer into TSP

Yeah my rollover is much smaller than my Roth IRA. For whatever reason, Roth ira's can't be transferred into the tsp.

I wonder if moving from vanguard to Fidelity or schwab and then transfering to the tsp would be more efficient?
by tj
Tue Mar 19, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Transfer into TSP
Replies: 17
Views: 846

Re: IRA Transfer into TSP

Wanted to use it for G fund for bond allocation
by tj
Tue Mar 19, 2019 11:18 am
Forum: Personal Finance (Not Investing)
Topic: IRA Transfer into TSP
Replies: 17
Views: 846

Re: IRA Transfer into TSP

I'd like to transfer my Vanguard IRA into the TSP, does anyone have any idea where we mail the TSP-60 to at Vanguard for this? Apparently Vanguard has to fill the form out.... As both a Vanguard IRA holder and TSP user, I'm curious, what's your motivation for moving the Vanguard funds into TSP? Sim...
by tj
Tue Mar 19, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: IRA Transfer into TSP
Replies: 17
Views: 846

Re: IRA Transfer into TSP

Thanks for the tips - sounds like I'll stay put at Vanguard.
by tj
Mon Mar 18, 2019 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Transfer into TSP
Replies: 17
Views: 846

IRA Transfer into TSP

I'd like to transfer my Vanguard IRA into the TSP, does anyone have any idea where we mail the TSP-60 to at Vanguard for this? Apparently Vanguard has to fill the form out....
by tj
Mon Mar 18, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 172
Views: 19867

Re: Why should FEHB members buy Medicare Part B?

I thought Aetna direct was the top choice for Medicare b folks.
by tj
Mon Mar 18, 2019 2:24 pm
Forum: Personal Investments
Topic: TSP Question...
Replies: 26
Views: 2484

Re: TSP Question...

I'm kind of reiterating what others have already written, but I disagree with a lot of this. Simply put, the G Fund is a superior fixed income investment to other marketable securities. The primary drivers of expected returns or yield in fixed income are interest rate risk and credit risk. The G Fu...
by tj
Sun Mar 17, 2019 1:22 am
Forum: Personal Finance (Not Investing)
Topic: Should you buy term life before you need it?
Replies: 25
Views: 1756

Re: Should you buy term life before you need it?

Absolutely. That's what i did. I can always cancel it if I don't need it.