Search found 2132 matches

by tj
Wed Oct 17, 2018 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 148
Views: 11536

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

imaconfused wrote:
Wed Oct 17, 2018 12:05 am
Does this work like the Barclays high yield online banking where they automatically increase rates?


For the savings account? Sure.
by tj
Tue Oct 16, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: High APY Checking
Replies: 10
Views: 1013

Re: High APY Checking

Alliant Credit Union and Ally Bank are most commonly recommended.
by tj
Tue Oct 16, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 148
Views: 11536

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

How do you "sign up" for this offer? https://www.allypaybacktime.com/ Thanks. Is this only for new money that goes in after signing up? What if I move some money out of Ally and then move it back in after a few days. Would that count too? I doubt it. That's kind of abusing the system.
by tj
Mon Oct 15, 2018 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 148
Views: 11536

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

flyingaway wrote:
Mon Oct 15, 2018 10:37 pm
I am wondering why this is not considered as a kind of market timing?


How is depositing cash into a bank market timing?
by tj
Sun Oct 14, 2018 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to get a Federal Job
Replies: 22
Views: 2912

Re: Trying to get a Federal Job

Yes, less of your annuity will be taxable when you have to contribute more. But you are stuck with 4.8% regardless, so comparisons to options that aren’t available aren’t really relevant. I agree - I've just seen a lot of comments say it's not worth going into federal employment anymore specificall...
by tj
Sun Oct 14, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Issues/last year before retirement
Replies: 2
Views: 362

Re: Health Insurance Issues/last year before retirement

Can't you still use your FSA for eyes and teeth?
by tj
Sun Oct 14, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to get a Federal Job
Replies: 22
Views: 2912

Re: Trying to get a Federal Job

Yes, less of your annuity will be taxable when you have to contribute more. But you are stuck with 4.8% regardless, so comparisons to options that aren’t available aren’t really relevant. I agree - I've just seen a lot of comments say it's not worth going into federal employment anymore specificall...
by tj
Sun Oct 14, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to get a Federal Job
Replies: 22
Views: 2912

Trying to get a Federal Job

I passed the interview and medical screening for an entry level position with the TSA. Now I'm just waiting on the background check. Unfortunately the DHS and TSA don't have the greatest employee morale reviews. I understand that you can qualify for higher grades with the government just by having a...
by tj
Fri Oct 12, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Private Client Group: New Advisor
Replies: 17
Views: 1626

Re: Fidelity Private Client Group: New Advisor

Sandi_k wrote:
Fri Oct 12, 2018 4:14 pm
Dottie57 wrote:
Wed Oct 10, 2018 2:50 pm
I am curious. What is the minimum requirement for the Private Client Group?
Dottie, I believe it's now $1M.

Do you get any free benefits for having that status?
by tj
Fri Oct 12, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Website article on lawsuits over hospital balance / surprise billing
Replies: 56
Views: 2286

Re: Website article on lawsuits over hospital balance / surprise billing

PS: Insurance should have to pay the charges for out of network if they haven't secured a!l the services their policyholders need. Instead, they leave customers uncovered. THIS! If the insurance refuses to negotiate acceptable fees then they shouldn't get to just walk away from it. As it stands now...
by tj
Wed Oct 10, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7377
Views: 1548607

Re: U.S. stocks in freefall

From Warren Buffett's 2017 Berkshire Hathaway Shareholder Letter: When major declines occur, however, they offer extraordinary opportunities to those who are not handicapped by debt. That’s the time to heed these lines from Kipling’s If : “If you can keep your head when all about you are losing the...
by tj
Wed Oct 10, 2018 12:00 am
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 8864

Re: Finally Cutting the Cord - YouTube TV

Are you getting a less than full resolution stream? Nearly every YTTV channel is now at 60fps, at a minimum of 720p. Most are 1080p. None of those stations are broadcasted in 1080p. None of what stations? Currently watching Red Sox vs. Yankees at 1080p/60. Far, far better picture than we ever got f...
by tj
Tue Oct 09, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 8864

Re: Finally Cutting the Cord - YouTube TV

Are you getting a less than full resolution stream? Nearly every YTTV channel is now at 60fps, at a minimum of 720p. Most are 1080p.
None of those stations are broadcasted in 1080p.
by tj
Tue Oct 09, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 8864

Re: Finally Cutting the Cord - YouTube TV

BoglePaul wrote:
Tue Oct 09, 2018 3:25 pm
The only downside we experienced is that sports, especially hockey, looks crummy on YouTube TV (hockey looks equally crummy on HuluTV, Sling and YouTube TV, we tried them all). The puck is much more visible on Over the Air HD.


I've only used Playstation Vue and DirecTV Now and they look fine.
by tj
Tue Oct 09, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9542

Re: What is your annual cost for health insurance?

Retired military with Tricare and we pay nothing for medical premiums. $5 copay for drugs. No other copays. $3000 cat cap for family. Once I turn 65 this turns into Tricare for life and we just pay the medicare premium and Tricare for Life covers all medigap bills. Dental and vision are through wor...
by tj
Tue Oct 09, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9542

Re: What is your annual cost for health insurance?

As am American, I find this quite depressing. In order to retire and not worry about medical expenses, I've got four options: 1 - Wait until I'm 65 years old to get Medicare -- So much for retiring early. :? 2 - Get a disease state that puts me on Medicare at an early age -- But I don't want to be ...
by tj
Mon Oct 08, 2018 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9542

Re: What is your annual cost for health insurance?

As am American, I find this quite depressing. In order to retire and not worry about medical expenses, I've got four options: 1 - Wait until I'm 65 years old to get Medicare -- So much for retiring early. :? 2 - Get a disease state that puts me on Medicare at an early age -- But I don't want to be ...
by tj
Sat Oct 06, 2018 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage platform and RMD from IRA
Replies: 5
Views: 683

Re: Vanguard brokerage platform and RMD from IRA

But on the new platform you can only send dividends to your bank from the money market settlement fund, not other funds. This is false. On the new platform, you cna have dividends sent to your bank form any mutual fund. This happens every quarter for me. What you can't do is having dividends automa...
by tj
Sat Oct 06, 2018 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage platform and RMD from IRA
Replies: 5
Views: 683

Re: Vanguard brokerage platform and RMD from IRA

You can automate having dividends sent to your linked bank account, so I don't know why the software wouldn't allow RMD's to do so.
by tj
Sat Oct 06, 2018 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Level of Auto Insurance to carry
Replies: 35
Views: 1799

Re: Level of Auto Insurance to carry

We only have liability on my 2009 as the vehicle is not worth much. We can self insure. We have full coverage on the 2016. We have the highest deductibles our insurance company offers. The premium cost for lower deductibles or keeping collision and comprehensive is negligible. I agree it's cheap to...
by tj
Sat Oct 06, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Level of Auto Insurance to carry
Replies: 35
Views: 1799

Re: Level of Auto Insurance to carry

Not my experience over lat 40 years. Saved a lot with high deductible collision and comprehensive. Insurance is very local, but in my area, increasing / decreasing comp/collision deductibles really didn't have a meaningful impact on annual premiums. I live in Lake Wobegon, where all the drivers are...
by tj
Fri Oct 05, 2018 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?
Replies: 45
Views: 4599

Re: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?

That's hilarious that they can't even target the right accounts with the pop up:

Image
by tj
Fri Oct 05, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?
Replies: 45
Views: 4599

Re: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?

I suppose Vanguard could add annoying pop-ups to the website for those that have not converted. So every time you login, a huge window covers half your screen and says something like, "Help us help you by upgrading to a brokerage account today!". Or maybe a similar banner covers the top 1/4 of your...
by tj
Fri Oct 05, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Number of mutual funds offered in JP Morgan Chase "You Invest"
Replies: 10
Views: 777

Re: Number of mutual funds offered in JP Morgan Chase "You Invest"

They have several Fidelity and Vanguard indexes on this list. I guess fidelity would be cheaper with the share class consolidation and reduction in fees. They also have the Hartford family load waived which has several funds managed by Wellington. I'd probably just use ETFs in a taxable brokerage, ...
by tj
Fri Oct 05, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Number of mutual funds offered in JP Morgan Chase "You Invest"
Replies: 10
Views: 777

Re: Number of mutual funds offered in JP Morgan Chase "You Invest"

https://www.chase.com/content/dam/chase-ux/documents/personal/investments/jpm-mutual-fund-list-for-sdi.pdf They have several Fidelity and Vanguard indexes on this list. I guess fidelity would be cheaper with the share class consolidation and reduction in fees. They also have the Hartford family loa...
by tj
Thu Oct 04, 2018 9:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7377
Views: 1548607

Re: U.S. stocks in freefall

I wonder what stocks got hit hard today?

Vanguard Equity Income is only down 0.09%. Berkshire was up 1% today.
by tj
Sat Sep 29, 2018 1:53 am
Forum: Personal Finance (Not Investing)
Topic: auto insurance - ??
Replies: 11
Views: 1023

Re: auto insurance - ??

In cali, try amica mutual, wawanesa and mercury insurance. They all do online quotes.
by tj
Thu Sep 27, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Rideshare Retirement Acct. [Can I contribute to my IRA as an Uber driver?]
Replies: 5
Views: 648

Re: Rideshare Retirement Acct. [Can I contribute to my IRA as an Uber driver?]

The problem of course is generating a profit. Would you willingly ignore your costs of operating your business as a driver? You will put a ton more miles on your car, too.
by tj
Wed Sep 26, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 46
Views: 7275

Re: GEICO rate increase: 49% annualized?!

In AZ, I am getting the best rates from USAA, AAA, Progressive and Mercury. Geico never seems to be competitive.
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: 1653

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: 1653

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: 1653

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: 45
Views: 4426

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: 1245

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: 1245

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: 3708

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: 3708

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: 4120

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: 2301

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: 753
Views: 73669

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: 788

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: 58
Views: 2443

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: 1636

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: 1243
Views: 214423

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: 788

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: 1636

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: 753
Views: 73669

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: 951

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.