Search found 2025 matches

by tj
Sun Jan 14, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Does Global Wellesley Get the Foreign Tax Credit?
Replies: 5
Views: 590

Re: Does Global Wellesley Get the Foreign Tax Credit?

Whether the fund is eligible for the foreign tax credit or not, it should be held in a tax-sheltered account. The foreign tax credit will be relatively small, while there are other tax costs from the high dividends on the bonds, and on the capital gains because the stock portfolio is actively manag...
by tj
Sun Jan 14, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: REIT or No REIT
Replies: 85
Views: 7568

Re: REIT or No REIT

I feel that you can get a lot of exposure to all but the residential real estate sector just through a broad market index. And if commercial REITs fall because of online shopping, stocks like Amazon will rise to compensaate for that. But I do think the residential real esate sector (especially sing...
by tj
Sun Jan 14, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: REIT or No REIT
Replies: 85
Views: 7568

Re: REIT or No REIT

I would not but any private reits. Don't trust them. I own AIV, MAA, EQR, IRT atm. Might consider avalon after more research. Also look into ESS, CPT and UDR... FWIW, IRT is a very tiny % of the market cap of apartment REIT's. Like less than 1% the last time I looked. You might also consider EDR an...
by tj
Sun Jan 14, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: REIT or No REIT
Replies: 85
Views: 7568

Re: REIT or No REIT

Reits are always misunderstood. I have about 6% of my assets in REITs. I hold them as long term investment for income and asset diversification. They are not like bonds (IMO they are better). I hold them in my taxable account as they provide some tax free income (depreciation and the new tax act). ...
by tj
Sat Jan 13, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 771
Views: 129908

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Ally Investments (the old Tradeking) has a pretty good offer for low transfer amounts: https://go.ally.com/invest/promotions/?CP=151136479%3B0%3B $200 for 25k. It indicates, and I confirmed, that it's only for taxable accounts. Do they auto-close empty accounts? It says that those who have closed t...
by tj
Fri Jan 12, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 276
Views: 47861

Re: USAA 2.5% Cash Back Credit Card

The 100k rumors for Alliant come from threads like this: http://ficoforums.myfico.com/t5/Credit-Cards/Alliant-Credit-Union-2-5-Cash-Back-Visa/td-p/4915374/page/2 I don't know their cutoff for income. But you need to plan on spending at least $20k/year to make it worthwhile. Not really. For me, it w...
by tj
Thu Jan 11, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 276
Views: 47861

Re: USAA 2.5% Cash Back Credit Card

I'm up to $5,563 cash back so far this year. I love this card. As someone said in that Doctor of Credit comments section regarding manufactured spending as being a likely reason USAA is pulling back, "This is why we can't have nice things." Even if all of the $222K in spend to generate the above re...
by tj
Mon Jan 08, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 771
Views: 129908

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

There's no ETF equivalent to SFREX. The only real estate ETF Schwab offers is SCHH, which is US-only and market cap indexed, vs. SFREX which is global and tracks the Russell RAFI (fundamental) index. AFAIK there are no alternatives that track such an index, and very few options for global real esta...
by tj
Mon Jan 08, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 771
Views: 129908

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Does anyone know which brokerage firms accept Schwab mutual funds? Was thinking about using SFREX, buying for free @ Schwab then transferring somewhere for a bonus.... I don't know about that. I'd use their ETFs. This is confusing. What am I missing? SFREX is an ETF, and as such should pose no tran...
by tj
Sun Jan 07, 2018 11:19 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 771
Views: 129908

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Does anyone know which brokerage firms accept Schwab mutual funds? Was thinking about using SFREX, buying for free @ Schwab then transferring somewhere for a bonus....
by tj
Sun Jan 07, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Ownership in real estate
Replies: 11
Views: 1012

Re: Ownership in real estate

No, I still want to be owner. It is an asset, and because no operating agreement was ever agreed upon, everyone is fighting. I was so stressed over it all and the fighting that i wrote an email saying i was relinquishing my ownership But i never signed anything and it was a few yrs back. Doesn't ma...
by tj
Sun Jan 07, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Ownership in real estate
Replies: 11
Views: 1012

Re: Ownership in real estate

vrjcgFam wrote:
Sun Jan 07, 2018 3:41 pm
House is paid off, I'm experiencing family disagreements from other siblings who believe i shouldn't be on deed. Long story. Bottom line is my name is on deed.
If you take yourself off the deed, you lose your legal rights to your ownership. Is that what you want?
by tj
Sat Jan 06, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Domestic SCV? [Small Cap Value]
Replies: 31
Views: 3576

Re: Domestic SCV? [Small Cap Value]

Is it still the case that there are no good DFA alternative's for International Small Cap value both in developed and emerging markets? Thanks http://www.etf.com/publications/journalofindexes/joi-articles/24234-cloning-dfa.html?nopaging=1 This article uses 60% VWO 40% EWX as a clone for DFA Emergin...
by tj
Wed Jan 03, 2018 11:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Phoenix, AZ Bogleheads?
Replies: 44
Views: 10768

Re: Phoenix, AZ Bogleheads?

I'm in South Scottsdale. I'd have o think we could get a tour of Vanguard if we had enough people. I know they have a "chandlerly" there so that you don't have to pay the shipping from Malvern on swag....
by tj
Mon Jan 01, 2018 11:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 155
Views: 16582

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

=== Bumping old thread. Replies above this are 8+ days old === There's a recent interview with John Ameriks of Vanguard about these upcoming ETFs: http://www.etf.com/sections/features-and-news/advantages-active-factor-investing?nopaging=1 Hougan : Active strategies? Ameriks : Yes, factors are activ...
by tj
Sun Dec 31, 2017 5:25 pm
Forum: Investing - Theory, News & General
Topic: M1 Finance
Replies: 10
Views: 1876

Re: M1 Finance

David Scubadiver appears to have deleted his Bogleheads account, but I'm really intrigued by M1 Finance as a time saving robot with zero costs. I can duplicate the Schwab Intelligent Portfolios suggested allocation and use M1 without experiencing the cash drag, or I can duplicate the Betterment, Wea...
by tj
Sun Dec 31, 2017 3:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond Index avoiding Very Long Bonds?
Replies: 14
Views: 1558

Re: Vanguard Total Bond Index avoiding Very Long Bonds?

The author apparently doesn't quite grasp how an index fund works. In addition to being unaware the the treasury doesn't issue bonds longer than 30 years and never has. Also (gender neutral pronoun which for some reason hasn't been invented yet) apparently is not able to use the internet to look at...
by tj
Sun Dec 31, 2017 12:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond Index avoiding Very Long Bonds?
Replies: 14
Views: 1558

Vanguard Total Bond Index avoiding Very Long Bonds?

I found this article interesting - http://theconservativeincomeinvestor.com/2017/12/31/the-vanguard-total-bond-index-owns-no-long-term-debt/ The author states: Upon my review of the fund’s duration, I noticed that only 0.3% of the fund’s assets are held in U.S. government with a maturity of 30 years...
by tj
Sat Dec 30, 2017 8:34 pm
Forum: Investing - Theory, News & General
Topic: Will PE ratios decrease due to lower taxes?
Replies: 20
Views: 2245

Re: Will PE ratios decrease due to lower taxes?

Several large multi-national corporations have already announced that they will take some short term hits (reduced earnings) due to taxes owed from repatriating offshore profits at the new lower rate. This might actually raise PEs in the near term. 2018 repatriate money. Hopefully re-invest in US o...
by tj
Fri Dec 29, 2017 11:21 am
Forum: Investing - Theory, News & General
Topic: M1 Finance
Replies: 10
Views: 1876

Re: M1 Finance

I imagine that it's through security lending of your ETFs since it's an ETF based platform. Their fees have dropped significantly over the course of a year -- currently they are free for $1,000 and then they charge .25% of AUM for accounts below $100,000 and .15% for $100,000 and above. I expect th...
by tj
Thu Dec 28, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Statefarm Auto Insurance goes up every 6 months without reason?
Replies: 50
Views: 2880

Re: Statefarm Auto Insurance goes up every 6 months without reason?

OP, since you stated you own a brand new car (2017 Honda Civic), I'm curious if you financed it or own it outright? If financed, you may be obligated to maintain a certain level of coverage pursuant to the terms of the loan. I purchased full in cash. I have enough to buy another car if I wanted to ...
by tj
Thu Dec 28, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Statefarm Auto Insurance goes up every 6 months without reason?
Replies: 50
Views: 2880

Re: Statefarm Auto Insurance goes up every 6 months without reason?

Thanks for all of the responses :) Okay for the collision deductible. It doesn't really matter how much I raise it to as long as I am not in an at-fault accident right? If I have a $2000 deductible, and someone else hits me. Their insurance has to pay the full repair cost right? It is just that I h...
by tj
Thu Dec 28, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Statefarm Auto Insurance goes up every 6 months without reason?
Replies: 50
Views: 2880

Re: Statefarm Auto Insurance goes up every 6 months without reason?

What about doing away with Uninsured Motor Vehicle Coverage? Can I raise my deductibles to $750 instead of $1000? Will agents work with you to reduce your insurance rate to a set budget amount? The only way to lower your cost is to reduce your coverage or increase your deductibles. Or find another ...
by tj
Thu Dec 28, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Need to shop insurance: curious what you have?
Replies: 22
Views: 1273

Re: Need to shop insurance: curious what you have?

Stupid question, but doesn't an independent insurance agent cost a fee and/or get a cut of your premiums? For those who have gone this route, I assume the insurance savings offset the fees? Insurance agents don't cost you anything no matter who you use. They are paid a commission on the policy. My ...
by tj
Thu Dec 28, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2007
Views: 1222038

Re: The Three-Fund Portfolio in a Bear Market

boyntonstu: Barry Barnitz, on his Financial Page, provided data on how The Three-Fund Portfolio performed during the 2008 bear market. Total International is assumed to be 30% of total stocks: -31.35% 80% stocks/20% bonds -23.55% 60% stocks/40% bonds -15.75% 40% stocks/60% bonds -7.04% 20% stocks/8...
by tj
Wed Dec 27, 2017 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Need to shop insurance: curious what you have?
Replies: 22
Views: 1273

Re: Need to shop insurance: curious what you have?

After numerous rate creeps by State Farm, my loyalty has run out. This week I'm planning to shop around. I currently have 2M umbrella, house, and 1 car with State Farm. I wonder insurance companies Bogleheads have and whether you can recommend a strategy. I don't want to kill myself doing this; per...
by tj
Wed Dec 27, 2017 5:59 pm
Forum: Investing - Theory, News & General
Topic: M1 Finance
Replies: 10
Views: 1876

Re: M1 Finance

Their fees have dropped significantly over the course of a year -- currently they are free for $1,000 and then they charge .25% of AUM for accounts below $100,000 and .15% for $100,000 and above. I expect that the pricing will continue to evolve, especially given that someone with $99,999.99 under ...
by tj
Wed Dec 27, 2017 5:48 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 151
Views: 19539

Re: What we know about robo advisors

Schwab Intelligent Portfolios Schwab's doesn't charge for their robo-advisor service. Fees for funds average about 17 basis points. They also unlike most robo-advisors have a pronounced value tilt. They give this sample portfolio of a 2/3rds stock 1/3rd bond Fundamental are Schwab value ETFs using ...
by tj
Wed Dec 27, 2017 5:35 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 151
Views: 19539

Re: What we know about robo advisors

Schwab Intelligent Portfolios Schwab's doesn't charge for their robo-advisor service. Fees for funds average about 17 basis points. They also unlike most robo-advisors have a pronounced value tilt. They give this sample portfolio of a 2/3rds stock 1/3rd bond Fundamental are Schwab value ETFs using ...
by tj
Wed Dec 27, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: Schwab SIP rebalancing on December 26, 2017
Replies: 1
Views: 227

Re: Schwab SIP rebalancing on December 26, 2017

https://hg.schwab.com/public/intelligen ... ocess.html <--- Looks like HYLB replaced one of their other high yield bond ETF's.
by tj
Wed Dec 27, 2017 1:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Corporate Bond ETF (VTC)
Replies: 18
Views: 2591

Re: Vanguard Total Corporate Bond ETF (VTC)

What's strange is the Vanguard page doesn't show allocations to sub-ETF's, it show actual bond holdings.
by tj
Tue Dec 26, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Statefarm Auto Insurance goes up every 6 months without reason?
Replies: 50
Views: 2880

Re: Statefarm Auto Insurance goes up every 6 months without reason?

Every car and driver is different. If you're rates are going up, shop around. If you can't find a better deal, then you have your answer..
by tj
Mon Dec 25, 2017 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: REIT or No REIT
Replies: 85
Views: 7568

Re: REIT or No REIT

I don't like the REIT Index because it's so heavy on shopping malls and things of that nature. I buy very few things in actual stores. That being said, when I go to the mall, it's always packed? I like the idea of investing in actual apartment complexes. This can easily be done with a custom Motif.....
by tj
Mon Dec 25, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Selling rental property and tax ramifications
Replies: 4
Views: 785

Re: Selling rental property and tax ramifications

My sales spans 25 yrs over 3 CPA's, and finally myself & TTax for the last 4 yrs. Hence I said, if you have used TurboTax the whole time, it is easy. Because TurboTax has all the data. If the old CPA's didn't give you the forms that have the backup data, that would obviously make it more difficult....
by tj
Sun Dec 24, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Impact of new bill on paycheck?
Replies: 18
Views: 2014

Re: Impact of new bill on paycheck?

The NY times has a good calculator, but it's based on annual AGI, not bi-weekly.

https://www.nytimes.com/interactive/201 ... lator.html
by tj
Sun Dec 24, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund (DAF) - Bunch Now - Easy (even easier than backdoor Roth)
Replies: 19
Views: 1437

Re: Donor Advised Fund (DAF) - Bunch Now - Easy (even easier than backdoor Roth)

I moved from a high tax state to a low tax state and opened the DAF at the end of last year before I moved.

The DAF is a total no brainer if you can afford to "pre-pay"...
by tj
Sun Dec 24, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Cash Out my NML Whole Life Insurance?
Replies: 11
Views: 1033

Re: Should I Cash Out my NML Whole Life Insurance?

Technovelist, I live in RI currently, and will be moving to MA in 5-6 years. Dandy, the best comparison I can find on term4sale is a 10 year term, $25K policy for $79/year. A $10K policy doesn't show as a available. For the 1988 policy, it also has Additional Purchase Benefit, and Waiver of Premium...
by tj
Sun Dec 24, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Cliff dwellers: Don't forget to increase taxable dividend income by foreign taxes paid
Replies: 22
Views: 2252

Re: Cliff dwellers: Don't forget to increase taxable dividend income by foreign taxes paid

I don't think the foreign tax paid number is available for awhile in 2018 (or is it?).
Isn't it included on the 1099?
by tj
Sun Dec 24, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Selling rental property and tax ramifications
Replies: 4
Views: 785

Re: Selling rental property and tax ramifications

When you say that you rented out your home, did you live there while you rented it out? If you didn't, it's fairly simple: LTCG @ 15% + state taxes. Also, the "depreciation recapture" If you've been doing your taxes through TurboTax all these years, it should be easy for the software to calculate yo...
by tj
Sat Dec 23, 2017 11:15 pm
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 86
Views: 5360

Re: Electric Energy Usage

I have 720 sq ft in PHX. Gas water heater and furnace. Electric oven. No dishwasher or laundry. 07/03 - 568 kWh 08/03- 622 kWh 09/03 - 562 kWh 10/03 - 322 kWh 11/03 - 178 kWh 12/03 - 68 kWh Summer A/C is kept at 78. 85 when out of the apartment. Gas is $18 but has gone up to $25ish in winter with so...
by tj
Sat Dec 23, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15604

Re: Do people still use AAA?

I think that AAA has been rendered obsolete in several ways. This includes the maps, which were a big deal at one time, when planning to travel to an unfamiliar destination. Now we have apps, navigation devices, and the internet. We dropped AAA a few years ago, when we realized that State Farm offe...
by tj
Sat Dec 23, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15604

Re: Do people still use AAA?

I dont think ive ever seen a aaa rate better than what i could find on my own for hotels. I did save on a penske moving truck though.

I used to get discounts on a local airport shuttle but uber has rendered those obsolete.
by tj
Thu Dec 21, 2017 6:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4243
Views: 1143547

Re: U.S. stocks in freefall

Got an exciting new phone notification. A wild downward pointing arrow to inform me VNQ dropped 2%. I was checking it a lot about 1.5 years ago when I was rebalancing my REIT so I guess Google thinks I care about it. No similar exciting numbers for S&P 500 though. Wonder if that is the biggest swin...
by tj
Thu Dec 21, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 124
Views: 31023

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

I discovered something interesting about Global Wellesley; Ian Link, the equity portfolio manager for the fund, is more-or-less replicating his equity holdings for Hartford Global Equity Income Fund (ticker HLEJX) for Global Wellesley. It's not an exact match, but it's close enough. See: https://ww...
by tj
Mon Dec 18, 2017 8:53 pm
Forum: Investing - Theory, News & General
Topic: Today's Vinex decline - dividends?
Replies: 6
Views: 796

Re: Today's Vinex decline - dividends?

So, I think this is a newby question of sorts, since I don't normally watch my fund balances daily, but I really appreciate if anyone can confirm what I think is happening. Lately, I've seen large declines in a couple DFA funds (relative to the market), i.e. DFGEX was one last Friday, and then toda...
by tj
Mon Dec 18, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: How much Auto Insurance to get
Replies: 12
Views: 909

Re: How much Auto Insurance to get

MP123 wrote:
Sun Dec 17, 2017 3:51 pm
You could also have liability related to home ownership, boats, other toys, and so on. An umbrella policy would cover that while a high limit Auto policy wouldn't do anything for a slip/fall injury at your house for example.
That's why I also have a $1 mill limit on my Homeowner's policy.
by tj
Sun Dec 17, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: How much Auto Insurance to get
Replies: 12
Views: 909

Re: How much Auto Insurance to get

When factoring assets, how does retirement assets come into play? (Do we need to protect 401k, IRA, SE 401k and SEP IRAs?) The protections for IRA's vary by state. 401k(s) I believe have pretty strong federal protections. I found this to be a helpful article: https://www.marketwatch.com/story/how-t...
by tj
Sun Dec 17, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: How much Auto Insurance to get
Replies: 12
Views: 909

Re: How much Auto Insurance to get

I don't have umbrella, but I do have $1M/$1M liability on my auto. That seemed sufficient. Why have $1M? So that you aren't forced into bankruptcy after a major at fault-accident.... 2. When should we get an umbrella policy? (I heard you have to raise maximums in Car insurance before umbrella will a...
by tj
Sat Dec 16, 2017 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 72
Views: 46847

Re: What happens when car accident claim exceeds insurance limits?

I have 1 mill of Uninsured and Underinsured in AZ. $300k/$500k doesn't cost much less. Hopefully I never need it.
by tj
Sat Dec 16, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Progressive Insurance
Replies: 22
Views: 1697

Re: Progressive Insurance

I have noticed a huge increase in USAA TV advertising. It must be effective or they wouldn't do it.