Search found 2056 matches

by tj
Sun Aug 19, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 88
Views: 3973

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: 3315

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: 3222

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 two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 667
Views: 57660

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 ...
by tj
Sun Aug 19, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 667
Views: 57660

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 ...
by tj
Sun Aug 19, 2018 12:40 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 667
Views: 57660

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

Forgive me for stupid question... Can you convert shares of FSTVX to FZROX without recognizing a gain/loss, similar to converting to Premium shares? No, changing share classes is not a taxable event. Exchanging shares is a sell/buy transaction that happens in a single day at both fund's closing pri...
by tj
Fri Aug 17, 2018 9:20 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 667
Views: 57660

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

Forgive me for stupid question... Can you convert shares of FSTVX to FZROX without recognizing a gain/loss, similar to converting to Premium shares? No, changing share classes is not a taxable event. Exchanging shares is a sell/buy transaction that happens in a single day at both fund's closing pri...
by tj
Fri Aug 17, 2018 6:17 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 90
Views: 10240

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

For those that continue to erroneously mention that the SIP has a "cash drag" you should actually research the details of the actual fixed income allocation that SIP uses. There is no cash drag. I did a quick evaluation of the yield of the example portfolio that Schwab has on this page: https://int...
by tj
Tue Aug 14, 2018 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard PAS Recommendation
Replies: 5
Views: 655

Re: Vanguard PAS Recommendation

PFInterest wrote:
Tue Aug 14, 2018 4:23 pm
whats your question?
No question, just an observation.
by tj
Tue Aug 14, 2018 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard PAS Recommendation
Replies: 5
Views: 655

Re: Vanguard PAS Recommendation

tj, are you talking about the free portfolio review that Vanguard offers? Or are you talking about the services of Vanguard's Personal Advisory Service? If the former, do you get a sales "pitch" to enroll with PAS? I'm curious because I'd like to see what the free review is like, but I'd be less cr...
by tj
Tue Aug 14, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard PAS Recommendation
Replies: 5
Views: 655

Vanguard PAS Recommendation

Just for fun, I went through the online process, I don't know if they bother having anyone call and bug you to follow up unless you ask for it, but they have produced a slick PDF with all their recommendations. I was expecting the typical Four Fund Index portfolio, but they really do consider your c...
by tj
Sat Aug 11, 2018 12:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 207
Views: 19047

Re: Vanguard to offer non-Vanguard ETFs commission-free

If they offer the following, I'll consider moving my Schwab accounts to Vanguard: MDYV - State Street S&P 400 Mid-cap Value SLYV - State Street S&P 600 Small-cap Value FNDC - Schwab International Developed Markets Small Fundamental FNDE - Schwab Emerging Market Fundamental Curious as to what Vangua...
by tj
Tue Aug 07, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Coldness Pismo beach water
Replies: 24
Views: 1707

Re: Coldness Pismo beach water

cadreamer2015 wrote:
Mon Aug 06, 2018 12:32 pm
California ocean water doesn’t really warm up much until you get south of Santa Barbara or even south of Point Dume (Malibu). The California current brings cold water down from Alaska.
More like Rosarito! I don't think warm water exists in California beaches. ;-)
by tj
Tue Aug 07, 2018 12:39 am
Forum: Personal Consumer Issues
Topic: Maui Hawaii Trip - How to save money?
Replies: 52
Views: 4763

Re: Maui Hawaii Trip - How to save money?

Aloha Mixed plate has good plate lunches....and a good view.
by tj
Sat Aug 04, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 359
Views: 45372

Re: MoviePass-Too good to be true, but it's legit.

I could deal with surge pricing, but blacking out popular movies for 2 weeks is the deal breaker for me. Might try the sinemia service. No AMC chain in my town so the amc service is not an option. https://www.sinemia.com/ There are so many grammatical errors and broken links on the Sinemia website ...
by tj
Wed Feb 28, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 143
Views: 26265

Re: Where to buy a Vanguard hat? An Update and good news

It's not free. We all pay for them. :D Sorry about that :P Considering the above comments, it would be nice if Vanguard gave each of its Flagship clients one of these small items as a gift every year or so. I don't know what that would cost, but if Vanguard is giving away coffee mugs to random peop...
by tj
Wed Feb 28, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 143
Views: 26265

Re: Where to buy a Vanguard hat? An Update and good news

It's not free. We all pay for them. :D
by tj
Tue Feb 27, 2018 5:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6752
Views: 1469728

Re: U.S. stocks in freefall

No reason to use PONDX when you can use PIMIX. It had a low minimum at Scottrade. As I recall, PONDX/PIMIX full of emerging market bonds, always was leveraged. Not really comparable to Vanguard High Yield.
by tj
Sun Feb 18, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 86
Views: 8274

Re: Amazon Alternative

Nyc10036 wrote:
Sun Feb 18, 2018 3:05 pm
AntsOnTheMarch wrote:
Tue Feb 06, 2018 10:10 am
In my book Walmart is great deals for toilet paper and not much else.
I don't buy toilet paper at Walmart.

On sale, it is cheaper at ShopRite.

Never heard of it. Seems to be a regional grocery store.
by tj
Sun Feb 18, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 86
Views: 8274

Re: Amazon Alternative

Any opinions would be welcome. Thanks. My opinion is to stop shopping at amazon because they allow shenanigans—and I believe on purpose. They ignored their counterfeit goods problem until it finally blew up in the media even though they must have known about it long before (since everyone else alre...
by tj
Sat Feb 17, 2018 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Substantially Equal Periodic Payments (Funding Early Retirement)
Replies: 17
Views: 1603

Re: Substantially Equal Periodic Payments (Funding Early Retirement)

The best resource on SEPP is from bamfmoney, who is actually receiving distributions in his 30's:

http://bamfmoney.com/2016/05/reg-72t-ac ... e-penalty/
by tj
Mon Feb 12, 2018 3:14 pm
Forum: Investing - Theory, News & General
Topic: M1 Finance - now Free. Great way to rebalance
Replies: 49
Views: 7001

Re: M1 Finance - now Free. Great way to rebalance

3. The document suggests I (or you) will be paid for lending securities. Who get's paid, and how much? We will make the fees, if any, on the securities held in your account. However, keep in mind that only highly sought after and hard to borrow securities will be "loaned out" and receive a fee. If ...
by tj
Sat Feb 10, 2018 1:54 pm
Forum: Investing - Theory, News & General
Topic: M1 Finance - now Free. Great way to rebalance
Replies: 49
Views: 7001

Re: M1 Finance - now Free. Great way to rebalance

Re how do they make money & is the business model sound long term, it is around 43:00 of the podcast. FWIW they state commissions generate about 10-15% of the money for all brokers apparently. Sounds like all brokers including Vanguard lend securities. And "new products" like "IPO motifs" etc get c...
by tj
Sat Feb 10, 2018 1:46 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2223
Views: 1387961

Re: The Three-Fund Portfolio

ankonaman wrote:
Sat Feb 10, 2018 12:59 pm
How would the new Global Wellington Fund Admiral Shares stack up against the 3 fund portfolio?
Which allocation of the 3 fund? In any event, way too early to know.
by tj
Mon Feb 05, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: Managing a bond portfolio
Replies: 3
Views: 468

Re: Managing a bond portfolio

I don't mind Baird for bonds. BCOIX has been solid.
by tj
Wed Jan 24, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: Importance of FDIC Insurance
Replies: 17
Views: 1738

Re: Importance of FDIC Insurance

Not only do I think FDIC insurance is important, but I also believe all your money should be guaranteed not just $250,000. There are enough banks and credit unions that individuals should not run into this being an issues. Some of the big banks even have multiple banks for their clients to get over...
by tj
Wed Jan 24, 2018 12:05 am
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 150
Views: 13126

Re: Kitces article: A cash bucket in retirement? Nope

Is it time to post TFB's post on why Cash is better than Bonds for retail investors? :D

https://thefinancebuff.com/why-investor ... bonds.html
by tj
Fri Jan 19, 2018 10:02 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1141
Views: 196469

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

yougotitdude wrote:
Fri Jan 19, 2018 8:25 am
For Etrade, it says "One promotion per customer." Has anyone received more than one? I received one for a taxable account last year and was thinking about transferring an old retirement plan.
Yeah I received one a few years ago and one this year.
by tj
Thu Jan 18, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 469
Views: 97611

Re: Bank of America/Merrill Edge - Preferred Rewards

No DirecTVNow on my Bank AmeriDeals.
by tj
Thu Jan 18, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Cash Out my NML Whole Life Insurance?
Replies: 45
Views: 3640

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

Have you played with term4sale.com ? It will show you rates for several companies.

You can then get those rates with an independent agent, I used terminsurancebrokers.com
by tj
Thu Jan 18, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Domestic SCV? [Small Cap Value]
Replies: 50
Views: 7384

Re: Domestic SCV? [Small Cap Value]

About VIOV, it looks like it only comes in an ETF wrapper? I feel uncomfortable with Vanguard's combined mutual funds/ETFs, which includes VBR. What if one of those combined funds become unpopular? One must consider what happens if assets decline in a fund; it is unlikely that a fund will grow inde...
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: 806

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: 98
Views: 13824

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: 98
Views: 13824

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: 98
Views: 13824

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: 1141
Views: 196469

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: 278
Views: 52537

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: 278
Views: 52537

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: 1141
Views: 196469

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: 1141
Views: 196469

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: 1141
Views: 196469

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: 1217

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: 1217

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: 50
Views: 7384

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: 11419

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: 156
Views: 19539

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: 11
Views: 2927

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: 1835

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: 1835

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: 2491

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...