Search found 2102 matches

by tj
Sat Sep 22, 2018 11:36 am
Forum: Investing - Theory, News & General
Topic: Over 120 Vanguard funds go transaction free at E*trade
Replies: 15
Views: 1583

Re: Over 120 Vanguard funds go transaction free at E*trade

Hmmm... looks like you can get into some CLOSED funds by going through E*Trade. Hmm, I see Capital Opportunity and Dividend Growth. I have to think an error would pop up if you try to make a transaction though. That's what I noticed too. But the way each brokerage firm works, I think, is that when ...
by tj
Sat Sep 22, 2018 1:12 am
Forum: Investing - Theory, News & General
Topic: Over 120 Vanguard funds go transaction free at E*trade
Replies: 15
Views: 1583

Re: Over 120 Vanguard funds go transaction free at E*trade

celia wrote:
Sat Sep 22, 2018 12:03 am
Hmmm... looks like you can get into some CLOSED funds by going through E*Trade.
Hmm, I see Capital Opportunity and Dividend Growth. I have to think an error would pop up if you try to make a transaction though.
by tj
Thu Sep 20, 2018 2:54 pm
Forum: Investing - Theory, News & General
Topic: Over 120 Vanguard funds go transaction free at E*trade
Replies: 15
Views: 1583

Re: Over 120 Vanguard funds go transaction free at E*trade

No admiral shares, but they do offer cash incentives so maybr it evens out for some asset levels.
by tj
Wed Sep 19, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: BofA/Merrill Edge or Chase Sapphire Banking/CPC?
Replies: 43
Views: 4064

Re: BofA/Merrill Edge or Chase Sapphire Banking/CPC?

arf30 wrote:
Wed Sep 19, 2018 12:31 pm
Is a Sapphire branded card required to spend or cash out the UR points from this checking account bonus?

Well, yeah, because, a Sapphire branded card is required to receive the bonus in the first place.
by tj
Wed Sep 19, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: any opinions of this fund? Vanguard Dividend Growth (VDIGX)
Replies: 15
Views: 1181

Re: any opinions of this fund? Vanguard Dividend Growth (VDIGX)

Your wife (and you) need to go back to the decision to buy this fund in the first place. If she did not write down her reason for selecting it, she should remember, as best as she can, why she chose it and what she expected from it. This doesn't need to be detailed or very profound, but as best she...
by tj
Wed Sep 19, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: any opinions of this fund? Vanguard Dividend Growth (VDIGX)
Replies: 15
Views: 1181

Re: any opinions of this fund? Vanguard Dividend Growth (VDIGX)

I think it's an excellent fund. It has been closed for a while.
by tj
Tue Sep 18, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Does this job exist (another want-to-quit-corporate-world thread)?
Replies: 35
Views: 3617

Re: Does this job exist (another want-to-quit-corporate-world thread)?

ladders11 wrote:
Tue Sep 18, 2018 10:22 am
Property manager at a Small company. Time spent at properties meeting prospective tenants or arranging maintenance. Slow fall and holiday seasons. If you limit your number of clients you can do this only part time.
I thought this would be fun. How do you gain credibility and find clients?
by tj
Mon Sep 17, 2018 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Does this job exist (another want-to-quit-corporate-world thread)?
Replies: 35
Views: 3617

Re: Does this job exist (another want-to-quit-corporate-world thread)?

The recent (and terrible) hurricane Florence has me wondering about becoming an insurance adjuster. I know many are contractors -- how hard is it to break into this job? I don't know about the contractors, but I've applied to some adjuster positions. A lot of the reviews online sound like they are ...
by tj
Mon Sep 17, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 38
Views: 3997

Re: Sling TV experiences

Another option for streaming is http://www.vustreamtv.com/ aka Vu Stream TV. This is totally different from Play Station Vue. My SIL signed up for it yesterday to get out of market Green Bay Packers games. He is using an Amazon Firestick and he said the picture was perfect. I believe his internet i...
by tj
Mon Sep 17, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Cheap Flights
Replies: 23
Views: 2223

Re: Cheap Flights

centrifuge41 wrote:
Mon Sep 17, 2018 11:02 am
Momondo, Google Flights, matrix.itasoftware.com, Southwest.

Also, Delta and AA basic economy allow overhead carry-ons. United doesn't.
AA doesn't. I had to pay to check my backpack. Lame.
by tj
Mon Sep 17, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 737
Views: 70305

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

How do you know the Investor shares shareholders are subsidizing the Admiral shares investors, if you don’t know how many of each there are and the typical costs associated with each type of account? The overall ER of the Vanguard Total Stock Market Index Fund for all classes is 0.053%. Investors i...
by tj
Mon Sep 17, 2018 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Gifting Shares - ETFs vs. Conventional Mutual Funds
Replies: 14
Views: 716

Re: Gifting Shares - ETFs vs. Conventional Mutual Funds

Interesting! I would stay away from them in taxable accounts (unless you never plan to donate appreciated shares) then, but in retirement accouts they are fine.
by tj
Sun Sep 16, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 57
Views: 1986

Re: New York Times--NYTimes: Freezing Credit Will Now Be Free. Here’s Why You Should Go for It.

Maybe it already is free? I was able to unfreeze mine last week and I wasn't charged.
by tj
Sat Sep 15, 2018 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner's Insurance - Price vs. Quality
Replies: 21
Views: 1569

Re: Homeowner's Insurance - Price vs. Quality

"Amica auto dividend policies are not available in CA, FL, HI, MA, MO, NC, NJ and TX. Amica home dividend policies are not available in CA, FL, MO and NC." Recent thread with good posts on insurance: https://www.bogleheads.org/forum/viewtopic.php?t=251023 I'm in AZ, so presumably dividends are avai...
by tj
Sat Sep 15, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1210
Views: 208272

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Do you really need a referral to get this $100 bonus for opening a Schwab brokerage account? Nope. Just enter the offer code when you open the account. I would hold back, as Schwab sometimes has large bonus offers and if you opt for the $100 one, you won't be eligbile for a larger bonus to bring mo...
by tj
Sat Sep 15, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting Shares - ETFs vs. Conventional Mutual Funds
Replies: 14
Views: 716

Re: Gifting Shares - ETFs vs. Conventional Mutual Funds

The restriction isn't with the DAF, it's with Fidelity: they've restricted the zero fee funds to "individual retail investors who purchase their shares through a Fidelity brokerage account". This is different from all other (AFAIK) Fidelity funds, at least according to the prospectuses that I looke...
by tj
Sat Sep 15, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Homeowner's Insurance - Price vs. Quality
Replies: 21
Views: 1569

Re: Homeowner's Insurance - Price vs. Quality

Make sure you compare AMICA after dividend and with e-bill. Also make sure all coverage and discounts match. You can only compare if Amica actually discloses what dividend will be, how would they know that in advance? The board of directors would have to declare it and it would have to be approved ...
by tj
Sat Sep 15, 2018 12:52 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 737
Views: 70305

Re: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)

No, I don't think Vanguard has such expertise. And that's why Vanguard doesn't create its own indexes but relies on organizations like CRSP and FTSE that have extensive expertise. Where in the prospectus does it state that Fidelity created this index? https://www.sec.gov/Archives/edgar/data/35315/0...
by tj
Fri Sep 14, 2018 9:23 pm
Forum: Investing - Theory, News & General
Topic: How is Interactive Brokers Smart Beta Portfolios different from ETFs?
Replies: 8
Views: 903

Re: How is Interactive Brokers Smart Beta Portfolios different from ETFs?

whodidntante wrote:
Thu Sep 13, 2018 10:08 pm
I have seen these and I'm interested, but I haven't spent the time to properly investigate them. Thanks for starting the thread.
I'm curious. Looks like you have to sign up for an account to see the allocations.
by tj
Fri Sep 14, 2018 3:55 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1210
Views: 208272

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I don't know why you'd assume that. Why isn't a "Brokerage account" an investment product?

We'll have to wait and see until they actually show the offer terms. Most people are assuming that ETF's are valid, similar to the Bank of America/Merrill Edge status.
by tj
Fri Sep 14, 2018 10:04 am
Forum: Investing - Theory, News & General
Topic: Fee Only Variable Annuities
Replies: 2
Views: 312

Fee Only Variable Annuities

I noticed that Nationwide has an annuity product that costs $20/month. This would seem to cost less than even the Vanguard variable annuities. https://www.nationwideadvisory.com/products/monument-advisor I know a lot of folks are trapped in crappy annuities or permanent insurance policies, they coul...
by tj
Thu Sep 13, 2018 10:45 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1210
Views: 208272

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Chase is the latest player. Beginning next month, it has "Sapphire Banking" which will have a 60,000 Rewards Points bonus for bringing $75k 60k Ultimate Rewards can be redeemed for $600 in cash or $900 in travel purchases. https://www.cnbc.com/2018/09/13/jpmorgan-offers-sapphire-card-users-60000-po...
by tj
Thu Sep 13, 2018 10:45 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1210
Views: 208272

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I’ve been able to use Chase UR points for lodging at tremendous values. We used 50,000 points (nominally worth $500 if redeemed for cash) to get a 10 night hotel stay worth $1260. I’ve been doing web searches on this Chase Sapphire Banking thingy, but hard data is hard to find. If I can transfer $7...
by tj
Thu Sep 13, 2018 10:10 pm
Forum: Investing - Theory, News & General
Topic: etf investing strategy
Replies: 8
Views: 784

Re: etf investing strategy

ETFs like VTI are index funds, just with a different purchase mechanism. Most custodians don't support automatic investment into ETFs. So you'd need to put in the buy orders individually. Don't try to time the market. The robo advisors do. M1 Finance being the one that lets you pick your own alloca...
by tj
Thu Sep 13, 2018 10:06 pm
Forum: Investing - Theory, News & General
Topic: How is Interactive Brokers Smart Beta Portfolios different from ETFs?
Replies: 8
Views: 903

Re: How is Interactive Brokers Smart Beta Portfolios different from ETFs?

Interactive Brokers Smart Beta Portfolios are trying to beat or replicate the indexes, how are they different from investing in those indexes directly? Does anybody have any direct experience or suggestions for Interactive Brokers Smart Beta Portfolios? I never heard of these, but I guess they've b...
by tj
Thu Sep 13, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: You Invest from JP Morgan [free trades offer]
Replies: 69
Views: 4687

Re: You Invest from JP Morgan [free trades offer]

Bumping this thread Chase announced a new incentive today. see doctor of credit comments https://www.doctorofcredit.com/coming-october-chase-sapphire-banking-60000-ultimate-rewards-signup-bonus-with-75000-in-deposits/ Not sure how much 60,000 ultimate awards are worth but could be worth the hassle ...
by tj
Thu Sep 13, 2018 7:04 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 737
Views: 70305

Re: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)

Daitokuji wrote:
Thu Sep 13, 2018 6:58 pm
I did a comparison of the results on morning star and you can see it is the sole laggard. Should it not be appropriate to evaluate the results yet?

https://imgur.com/yETapIm

isn't it obvious that the only difference is in the early part of the graph?
by tj
Thu Sep 13, 2018 6:52 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 737
Views: 70305

Re: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)

It's only been a little over 1 month but Vanguard's VTI/VTSAX has outperformed FZROX by about 0.5%. The free FZROX has been outperformed by the equivalent funds from not only Vanguard and Schwab and iShares, but even Fidelity's own total stock market index fund, FSTMX. To actually compare the retur...
by tj
Thu Sep 13, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 60
Views: 5873

Re: Vanguard Switch to Brokerage Accounts

Why are people so afraid of the brokerage account? I find it to be very easy to use. In fact (and this might be heresy around here), I find it easier to use than Schwab. All my investments are in Vanguard mutual funds. I have no ETFs and no individual stocks or bonds. The brokerage accout doesn't s...
by tj
Thu Sep 13, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1210
Views: 208272

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

madbrain wrote:
Thu Sep 13, 2018 2:05 pm
tj wrote:
Thu Sep 13, 2018 10:06 am
Chase is the latest player. Beginning next month, it has "Sapphire Banking" which will have a 60,000 Rewards Points bonus for bringing $75k
Is that to bring $75k in the checking account or also brokerage assets ?
I don't think it matters, as long as it adds up to $75k.
by tj
Thu Sep 13, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Ultra-Short-Term Bond Fund now available
Replies: 83
Views: 22233

Re: Vanguard Ultra-Short-Term Bond Fund now available

Is there a point where the Ultra Short Term bond Fund makes sense to put the bulk of Savings in? Right now the variance is 2.5% vs 1.8% in a savings account. Maybe there are some 1 year CD's that get a simiilar rate, but the Ultra Short fund is more easily accessible. The NAV seems like it has been ...
by tj
Thu Sep 13, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1210
Views: 208272

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Chase is the latest player. Beginning next month, it has "Sapphire Banking" which will have a 60,000 Rewards Points bonus for bringing $75k 60k Ultimate Rewards can be redeemed for $600 in cash or $900 in travel purchases. https://www.cnbc.com/2018/09/13/jpmorgan-offers-sapphire-card-users-60000-poi...
by tj
Thu Sep 13, 2018 12:35 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 61
Views: 4105

Re: Fidelity, Schwab, or Vanguard

GoldStar wrote:
Wed Sep 12, 2018 9:18 pm
Vanguard for taxable and Fidelity for tax advantaged.
Why Fidelity for tax-advantaged?
by tj
Wed Sep 12, 2018 11:18 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 737
Views: 70305

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Fidelity has two more ZERO funds coming next week: Available on September 18, 2018 Fidelity® ZERO Extended Market Index Fund Fidelity® ZERO Large Cap Index Fund From https://www.fidelity.com/why-fidelity/pricing-fees https://www.bloomberg.com/news/articles/2018-09-12/fidelity-launches-two-additional...
by tj
Tue Sep 11, 2018 11:20 pm
Forum: Investing - Theory, News & General
Topic: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]
Replies: 45
Views: 4518

Re: A Boglehead explains the simplest way to manage your money

LadyGeek wrote:
Tue Sep 11, 2018 8:00 pm
What do you mean by "generating bonuses"? Is that a rebalancing bonus or something else?
See this thread:

viewtopic.php?f=10&t=196884&sid=1b65703 ... 0d62c48567
by tj
Fri Sep 07, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Fee only Financial planners
Replies: 31
Views: 2609

Re: Fee only Financial planners

From a hybrid financial advisor-planner-tax preparer..... To be frank, it's hard to charge hourly fees to do some of this. The bulk of my compensation comes from AUM fees, and most of the rest comes from tax prep work. Once upon a time, I tried to woo clients by offering a very small (.25%) AUM fee...
by tj
Mon Sep 03, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 737
Views: 70305

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I just don't think it's going to make that much of a difference. Splitting hairs.
by tj
Mon Sep 03, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 51
Views: 7041

Re: Fidelity Rewards Visa Card

How are any of the 2% cards betwee than the c ard I linked which is 3% the first year and 2.5% for each subsequent year, with no foreign fees....
by tj
Sun Sep 02, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 51
Views: 7041

Re: Fidelity Rewards Visa Card

I've moved most of my spending over to this card away from the Citi Double Cash and it's worked well so far. Only downside is the lack of integration into Fidelity's website as others have mentioned. The automatic rewards redemption is a nice feature that I was missing with the Citi card. Why, what...
by tj
Sun Sep 02, 2018 1:29 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 51
Views: 7041

Re: Fidelity Rewards Visa Card

I like the Fidelity Rewards Visa Card . But it seem like I am only getting 1.5 points for every dollar I spend (1.5% cash back) instead of the 2 points (2% cash back) advertised. Points from statement https://flic.kr/p/29fD5JP points according to advertisement https://flic.kr/p/Nvr9iu Update ----> ...
by tj
Wed Aug 29, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Wow! Just discovered "Portfolio Visualizer".
Replies: 15
Views: 5502

Re: Wow! Just discovered "Portfolio Visualizer".

nisiprius wrote:
Wed Aug 29, 2018 10:43 am
tj wrote:
Wed Aug 29, 2018 10:34 am
Is PV gone? When i try to go it says 404 NOt Found
It worked for me a second ago. Are you absolutely sure you used the right URL: https://www.portfoliovisualizer.com

Speaking of it strictly as a website I've found it to be consistently available and fast.
It is working again. That was odd.
by tj
Wed Aug 29, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: Wow! Just discovered "Portfolio Visualizer".
Replies: 15
Views: 5502

Re: Wow! Just discovered "Portfolio Visualizer".

Is PV gone? When i try to go it says 404 NOt Found
by tj
Wed Aug 29, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: 28/F - First time home buyer needs advice on saving more
Replies: 39
Views: 3843

Re: 28/F - First time home buyer needs advice on saving more

5-6% and seller pays half so you are really only looking at 2-3%. 10% seems way off base to me. In my experience, the seller pays all of it. It comes out of the negotiated price. The buyer doesn't spend more to compensate their agent. I guess you have never sold in a seller's market... Or bought in...
by tj
Tue Aug 28, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: 28/F - First time home buyer needs advice on saving more
Replies: 39
Views: 3843

Re: 28/F - First time home buyer needs advice on saving more

NextMil wrote:
Tue Aug 28, 2018 5:04 pm
5-6% and seller pays half so you are really only looking at 2-3%. 10% seems way off base to me.
In my experience, the seller pays all of it. It comes out of the negotiated price. The buyer doesn't spend more to compensate their agent.
by tj
Mon Aug 27, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: 28/F - First time home buyer needs advice on saving more
Replies: 39
Views: 3843

Re: 28/F - First time home buyer needs advice on saving more

Welcome. Go slow. Save more. No 401k loans. Why do you want to put so much of your savings into a house? Are you married? Kids in the future? Owning a home is so much more than just the payment plus insurance and taxes. Updates and repairs. Renting is flexible with all the potential changes ahead. ...
by tj
Sun Aug 19, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 5076

Re: Your major and investing/finance?

I majored in performing arts music.
by tj
Sun Aug 19, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance for Young Couple
Replies: 41
Views: 3521

Re: Term Life Insurance for Young Couple

I used terminsurancebrokers.com He is (or was ) an active boglehead.
by tj
Sun Aug 19, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Money Market Funds vs. Online Banks
Replies: 38
Views: 3678

Re: Money Market Funds vs. Online Banks

Money is accessible via tens of thousands of ATMs worldwide , no fees. For Ally, it has to be Allpoint ATM, otherwise there are fees Ally will reimburse atm fees at least up to some limit According to Ally: There's no charge to use any Allpoint® ATM in the U.S., plus we reimburse up to $10 at the e...
by tj
Sun Aug 19, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 737
Views: 70305

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I'm sure it's addressed somewhere in this long thread, but what are the chances of VG following suit? I don't understand how they can withstand conceding the ER high ground long term. I just transferred my IRAs to VG a couple months ago and have no loyalty to it or taxable account complications in ...