Search found 2299 matches

by tj
Thu Feb 21, 2019 6:11 am
Forum: Personal Investments
Topic: conversion to Roth IRA from TIRA in fund-only account
Replies: 4
Views: 226

Re: conversion to Roth IRA from TIRA in fund-only account

Vanguard will create a brokerage account if you do a conversion. I wouldn't let that stop you from converting.
by tj
Wed Feb 20, 2019 7:28 am
Forum: Personal Investments
Topic: Hourly fee-based advisor?
Replies: 32
Views: 1953

Re: Hourly fee-based advisor?

Garrett Planning Network is all hourly fee-based advisors. https://www.garrettplanningnetwork.com/ I don't believe this is accurate. That is an insufficient response. Please provide specific information regarding your belief and cite the source of your belief. That will provide value to the convers...
by tj
Wed Feb 20, 2019 6:04 am
Forum: Personal Investments
Topic: Hourly fee-based advisor?
Replies: 32
Views: 1953

Re: Hourly fee-based advisor?

venkman wrote:
Wed Feb 20, 2019 12:29 am
Garrett Planning Network is all hourly fee-based advisors.

https://www.garrettplanningnetwork.com/

I don't believe this is accurate.
by tj
Mon Feb 18, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Best PAID music streaming service?
Replies: 52
Views: 2737

Re: Best PAID music streaming service?

Amazon will let you upload your music so that you can stream it. All Amazon CD purchases are automatically added to your library. You need to be a Prime member. I think this is one of the few services that let you upload your music. Spotify and Youtube Music are two other options. They do not allow...
by tj
Sun Feb 17, 2019 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: More Bad News for USAA Bank
Replies: 57
Views: 8626

Re: More Bad News for USAA Bank

ma2jo wrote:
Sun Feb 17, 2019 5:56 pm
Does anyone have feedback for me about USAA medigap insurance. Should I take the negative comments above to avoid this?

If usaa is competitive on medigap, no reason not to use it.
by tj
Sun Feb 17, 2019 3:15 pm
Forum: Personal Investments
Topic: Q for Federal Employees - FEHB, advisors, etc.
Replies: 16
Views: 881

Re: Q for Federal Employees - FEHB, advisors, etc.

Going to the well again - I know many of y'all are Federal employees, and I could use some clarity.... My wife left industry and started a job with the Federal Government in 2014; her dept. operates under the FERS retirement system. My first question is, when is the earliest (not that she'd necessa...
by tj
Thu Feb 14, 2019 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Open personal HSA or use company HSA?
Replies: 32
Views: 1831

Re: Open personal HSA or use company HSA?

Thanks for all the response. I've decided to open a Lively HSA account and move all my funds in there. I'll keep contributing through my employer to get all the tax benefits and just transfer it to Lively every now and then. Thank you! Wait! I’d encourage you to check out Fidelity’s HSA, which is f...
by tj
Thu Feb 14, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Open personal HSA or use company HSA?
Replies: 32
Views: 1831

Re: Open personal HSA or use company HSA?

The pros of forgoing payroll deductions: You can basically put everything into a Fidelity HSA immediately, no annual rollovers, forms, trustee to trustee, multiple employer custodians to deal with, tax forms, etc. The mental energy required to do all that hoopla may not be worth the small financial...
by tj
Wed Feb 13, 2019 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Open personal HSA or use company HSA?
Replies: 32
Views: 1831

Re: Open personal HSA or use company HSA?

Thanks for all the response. I've decided to open a Lively HSA account and move all my funds in there. I'll keep contributing through my employer to get all the tax benefits and just transfer it to Lively every now and then. Thank you! Wait! I’d encourage you to check out Fidelity’s HSA, which is f...
by tj
Tue Feb 12, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 287
Views: 30830

Re: Fidelity as a one stop shop

yogesh wrote:
Sun Feb 10, 2019 8:47 pm
drk wrote:
Sun Feb 10, 2019 5:34 pm
mptfan wrote:
Sun Feb 10, 2019 5:10 pm
Could you elaborate on this? I was not aware that you could get more than 2% cash back.
Presumably because of tax-free earnings.
Yes. 2% cashback automatically deposited to ROTH IRA or 529 instead of taxable accounts.
Still don't see how that makes the cash back more than 2%.
by tj
Tue Feb 12, 2019 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is Long Term Care Insurance worth it?
Replies: 318
Views: 12876

Re: Is Long Term Care Insurance worth it?

It's really hard to model this when you don't know what the future premiums will be. See post above with a 50% increase. Most LTCi policies sold today have regulations requiring no planned premium increases. "Genworth raises long-term-care insurance costs an average 58%" - Aug 2018. Genworth is the...
by tj
Mon Feb 11, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Tax law expiring in 2025
Replies: 22
Views: 2046

Re: Tax law expiring in 2025

(increased standard deduction
But that removed the personal exemptions. You could use the personal exemptions and still itemize. Is the new one better? It's definitely simpler...but raised taxes on quite a few.
by tj
Sun Feb 10, 2019 10:54 pm
Forum: Investing - Theory, News & General
Topic: Tax efficient and FDIC insured
Replies: 11
Views: 1153

Re: Tax efficient and FDIC insured

Sure, accounts that are non-interest bearing. But wouldn't you rather generate the income and pay the tax?
by tj
Sat Feb 09, 2019 10:30 pm
Forum: Personal Investments
Topic: Ally Bank's nightmarish online reviews -- should I be worried?
Replies: 97
Views: 8709

Re: Ally Bank's nightmarish online reviews -- should I be worried?

Don't know what the nightmares are, they paid me $1k with no effort...
by tj
Wed Feb 06, 2019 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Is Long Term Care Insurance worth it?
Replies: 318
Views: 12876

Re: Is Long Term Care Insurance worth it?

The only winner would be someone who needs years and years of care.
most of the policies don't offer that, or have much higher premiums.
by tj
Tue Feb 05, 2019 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Is Long Term Care Insurance worth it?
Replies: 318
Views: 12876

Re: Is Long Term Care Insurance worth it?

I can get $450/day for 5 years (no COLA) from LTCFeds for $70/month. That seems like a good deal, but I don't know. The COLA seems like an expensive option since the COLA doesn't start until you start collecting the benefits... That is incorrect. For every LTCi policy that has a COLA, the benefits ...
by tj
Tue Feb 05, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Is Long Term Care Insurance worth it?
Replies: 318
Views: 12876

Re: Is Long Term Care Insurance worth it?

I can get $450/day for 5 years (no COLA) from LTCFeds for $70/month. That seems like a good deal, but I don't know.

The COLA seems like an expensive option since the COLA doesn't start until you start collecting the benefits...
by tj
Tue Feb 05, 2019 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 629
Views: 67286

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

LSLover wrote:
Tue Feb 05, 2019 3:39 pm
Bonus has just been posted.


Same, strange that they posted it in the middle of the day. Maybe because of all the people bugging them and asking? :D
by tj
Tue Feb 05, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 629
Views: 67286

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

When I login into my account, I see the following notification: "We’re excited to let you know that your cash bonus for the Payback Time promotion is processing. Your cash bonus will be deposited into your account within the next 48 hours." Ugh, Mine doesn't seem to have that. Hopefully it shows up...
by tj
Tue Feb 05, 2019 2:36 pm
Forum: Investing - Theory, News & General
Topic: Automatic Investing in new Fidelity HSA (Individual)
Replies: 10
Views: 930

Re: Automatic Investing in new Fidelity HSA (Individual)

I found a method that does work with the individual Fidelity HSA's! After you have made the initial purchase of the mutual fund(s) you want to invest in, you can set up automatic investments which occur monthly, quarterly or on a custom schedule. Log in to your Fidelity account. In the upper-left c...
by tj
Tue Feb 05, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 629
Views: 67286

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

When I login into my account, I see the following notification: "We’re excited to let you know that your cash bonus for the Payback Time promotion is processing. Your cash bonus will be deposited into your account within the next 48 hours." Ugh, Mine doesn't seem to have that. Hopefully it shows up.
by tj
Tue Feb 05, 2019 3:30 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 915
Views: 72683

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

My employer contribution is going to HSA Bank, but I'm not going to transfer it every year. I have employee contribution going into Fidelity via payroll deduction. I'll leave the $$ at HSA Bank which can be invested at TD Ameritrade with no fees....the annoying part will be manually investing at Fid...
by tj
Mon Feb 04, 2019 11:14 pm
Forum: Personal Investments
Topic: Fidelity customer service
Replies: 10
Views: 1158

Re: Fidelity customer service

Yes i was probably in there for 5 minutes when I dropped off the HSA form. Super friendly woman.
by tj
Mon Feb 04, 2019 8:46 pm
Forum: Personal Investments
Topic: Tsp [Thrift Savings Plan]
Replies: 55
Views: 3302

Re: Tsp [Thrift Savings Plan]

From the TSP website https://www.tsp.gov/InvestmentFunds/FundOptions/fundPerformance_G.html The G Fund interest rate calculation is based on the weighted average yield of all outstanding Treasury notes and bonds with 4 or more years to maturity. As a result, participants who invest in the G Fund ar...
by tj
Mon Feb 04, 2019 6:06 pm
Forum: Personal Investments
Topic: Best Vanguard funds to construct a *taxable* account?
Replies: 16
Views: 2277

Re: Best Vanguard funds to construct a *taxable* account?

The total U.S. and total international are your best bets. You could also do S&P 500, 400, and 600 funds if you want to separate large cap, mid cap, and small cap allocations (I prefer S&P, but really just avoid the Russell indexes in taxable because they have more churn in the way they rebalance y...
by tj
Mon Feb 04, 2019 6:03 pm
Forum: Personal Investments
Topic: Schwab Money Purchase funds
Replies: 2
Views: 275

Re: Schwab Money Purchase funds

The rates don't seem awful. Certainly better than cash at Schwab Bank.

https://www.schwab.com/public/schwab/in ... oney_funds
by tj
Mon Feb 04, 2019 5:26 pm
Forum: Personal Investments
Topic: Tsp [Thrift Savings Plan]
Replies: 55
Views: 3302

Re: Tsp [Thrift Savings Plan]

If the g fund is 2.75%, it's not THAT much higher than the Vanguard Treasury Money Market fund.. The TSP returned 2.94% over the last 12 months (as of 31 January), compared to 2.39% for the F Fund and 2.1% for VBTLX. So better than the comparable bond index funds. Yeah, but compared to the Treasury...
by tj
Mon Feb 04, 2019 5:23 pm
Forum: Investing - Theory, News & General
Topic: MSCI was forced to add China into its emerging market index...
Replies: 23
Views: 1902

Re: MSCI was forced to add China into its emerging market index...

While I won't protest China being in my indexes, anything over 10% and I will actively attempt to minimize exposure.
How would you do that? Use Vanguard Developed Markets Fund for international exposure?
by tj
Mon Feb 04, 2019 4:20 pm
Forum: Personal Investments
Topic: Tsp [Thrift Savings Plan]
Replies: 55
Views: 3302

Re: Tsp [Thrift Savings Plan]

If the g fund is 2.75%, it's not THAT much higher than the Vanguard Treasury Money Market fund.. The TSP returned 2.94% over the last 12 months (as of 31 January), compared to 2.39% for the F Fund and 2.1% for VBTLX. So better than the comparable bond index funds. Yeah, but compared to the Treasury...
by tj
Mon Feb 04, 2019 1:46 pm
Forum: Personal Investments
Topic: Tsp [Thrift Savings Plan]
Replies: 55
Views: 3302

Re: Tsp [Thrift Savings Plan]

If the g fund is 2.75%, it's not THAT much higher than the Vanguard Treasury Money Market fund..
by tj
Tue Jan 29, 2019 3:02 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax 2018 Forms Now Online
Replies: 64
Views: 3865

Re: Vanguard Tax 2018 Forms Now Online

scotthal wrote:
Mon Jan 28, 2019 10:04 pm
Downloaded my Consolidated Form 1099 today, but TurboTax is (as of 7pm PST) claiming that it won't be available for import until the 29th.
H&R Block said it won't be available for import until the 31st. I just entered the data manually.
by tj
Mon Jan 28, 2019 3:10 pm
Forum: Personal Investments
Topic: Risk free or very low risk at 4%
Replies: 43
Views: 4406

Re: Risk free or very low risk at 4%

There are some 10 year fixed annuities at 4%
by tj
Tue Jan 22, 2019 7:22 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 122
Views: 13996

Re: You Invest by JP Morgan Chase

Hmm the errors just seem to be on Vanguard Federal Money Market Fund, perhaps it can't be held at Chase. I received the same errors, however was able to successfully buy and hold the Vanguard Federal Money Market Fund. Still get the error when I try to get fund info, but have no other issues holdin...
by tj
Tue Jan 22, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Premiums Up Exactly 10% in 3 Consecutive Renewals?
Replies: 29
Views: 2458

Re: USAA Auto Premiums Up Exactly 10% in 3 Consecutive Renewals?

It might be a coincidence in your state. I don't think I've ever seen a trend like that in my rates from them.
by tj
Tue Jan 22, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 35
Views: 3702

Re: USAA Multi Product Discount

mickeyd wrote:
Tue Jan 22, 2019 4:19 pm
USAA is in the process selling their investment branch (mutual funds?) to Victory in Ohio. Wonder how this will impact this.
It shouldn't. USAA already outsourced the brokerage operations to Fidelity and that didn't change it.
by tj
Tue Jan 22, 2019 3:13 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 122
Views: 13996

Re: You Invest by JP Morgan Chase

Hmm the errors just seem to be on Vanguard Federal Money Market Fund, perhaps it can't be held at Chase.
by tj
Mon Jan 21, 2019 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 78
Views: 11054

Re: Fidelity Rewards Visa Card

I realize that some of us like to consolidate all of their financial activities into a single institution, but the sad truth is that the credit cards offered by Fidelity and Schwab are simply not the best available. In Fidelity's case, the frequent shutdowns for possible credit card fraud are the p...
by tj
Mon Jan 21, 2019 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 35
Views: 3702

Re: USAA Multi Product Discount

Multi product discount calculator showed I’d get $2~$3/month off my homeowners policy if I added an investment account, so I opened one and bought $500 worth of USAA 2050 Target retirement fund. But then I realized it’s a managed fund with lots of cap gains distribution every year (compared to Vang...
by tj
Mon Jan 21, 2019 3:39 pm
Forum: Personal Investments
Topic: Saving for 1-2 years rather than for a lifetime
Replies: 75
Views: 6458

Re: Saving for 1-2 years rather than for a lifetime

Having a saving plan doesn't need to be rigid. Your life is allowed to change.
by tj
Mon Jan 21, 2019 2:56 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 122
Views: 13996

Re: You Invest by JP Morgan Chase

What hours do you need to place a trade in for a Vanguard mutual fund? I can't seem to get the quote page to work properly.
by tj
Sun Jan 20, 2019 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another Solo 401k vs SEP question
Replies: 22
Views: 1208

Re: Yet another Solo 401k vs SEP question

SIMPLE IRA because you can deduct up to $12k, you'll be limited to 20% (25%?) of profits with a SEP or Solo 401k if you are already maxing out a 401k at work. The salary deferral limit unfortunately applies across all plans so a SIMPLE won't help. My understanding was the Simple IRA was completely ...
by tj
Sat Jan 19, 2019 8:52 pm
Forum: Investing - Theory, News & General
Topic: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund
Replies: 58
Views: 6712

Re: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund

Could a risk be that they have zero fees now but may end up raising the fee later? This is one reason I did not switch to the Fidelity Zero Funds. In the real world, really good deals just don't last. This seems to good to be true and thus I would shy away. In a tax advantaged account, you just sel...
by tj
Sat Jan 19, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another Solo 401k vs SEP question
Replies: 22
Views: 1208

Re: Yet another Solo 401k vs SEP question

SIMPLE IRA because you can deduct up to $12k, you'll be limited to 20% (25%?) of profits with a SEP or Solo 401k if you are already maxing out a 401k at work.
by tj
Thu Jan 17, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 284
Views: 69771

Re: How to Minimize Your Emergency Care Expenses

I may get a bunch of slings and arrows for this but an easy way to minimize emergency care expenses is to belong to an HMO (like Kaiser that operates their own hospitals and other facilities) and to use Kaiser facilities. Some parts of the country have a strong Kaiser presence, others don't have an...
by tj
Thu Jan 17, 2019 4:17 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1543
Views: 246854

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I think I used VCHS when I held $$ at Tradeking for a couple months a year and a half ago. I don't remember if it gained or lost. It was negligible. Do you mean VGSH? I've considered that in the past, but the avg maturity of 2.0 yrs was a bit out of my range. No I used the corporate fund. It was a ...
by tj
Thu Jan 17, 2019 3:41 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1543
Views: 246854

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I think I used VCHS when I held $$ at Tradeking for a couple months a year and a half ago. I don't remember if it gained or lost. It was negligible.
by tj
Thu Jan 03, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual Whole Life Insurance (65 Life)
Replies: 61
Views: 3525

Re: Northwestern Mutual Whole Life Insurance (65 Life)

You have no dependents....currently. What about tomorrow? Sorry, but that's just silly. It's like buying a Homeowner's policy today because - at some indeterminate date in the future - I might consider purchasing a home. The OP has stated no reason to have any life insurance. I think it makes perfe...
by tj
Wed Jan 02, 2019 5:17 pm
Forum: Personal Investments
Topic: VG advises 15% International Bonds (VTABX)... Why?
Replies: 48
Views: 3815

Re: VG advises 15% International Bonds (VTABX)... Why?

...(and lower yields)... Don't forget to factor in the currency hedging. According to Morningstar, the hedging has added 3 percentage points a year to its return. And its returned more than Total (U.S.) Bond since its inception (5/31/2013). http://quotes.morningstar.com/chart/fund/chart?t=VTABX®...