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Re: Support that HSAs might not be the best option for you

I have the GEHA HDHP with HSA for my family. I pay $116.18 bi-weekly or $3,020.68/yr. The government share is $348.54 bi-weekly or $9,062.04/yr. The fact that I get $1,500 passed through into my HSA makes it the best deal for us (in my opinion.)
by 111
Mon Oct 20, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Support that HSAs might not be the best option for you
Replies: 38
Views: 3473

Re: Short term trading fees

Well crap. As I was writing them I pulled up the Commission-Free ETFs Terms of Use for reference and did see one that ALL shares of an ETF position have to be held over 30 days for a trade to be commission-free and they do sell LIFO. I guess that's a $20 lesson for me. :oops:
by 111
Fri Oct 17, 2014 2:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Short term trading fees
Replies: 3
Views: 228

Short term trading fees

I have my HSA through HSA Bank which allows me to transfer money to TDAmeritrade to invest. They have some fee free ETFs assuming that you hold them for at least 30 days. I had 30 shares of an ETF that I bought over a month ago and then I had bought 70 more earlier this month. I decided that I wante...
by 111
Fri Oct 17, 2014 1:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Short term trading fees
Replies: 3
Views: 228

Re: Your personal risk level: Got your flu shot yet?

I'm not anti-vaccine either, but I don't get flu shots. Nobody in my family has ever had the flu unless they first got a flu shot. I have to assume we have a higher resistance to it as long as we avoid the shots.
by 111
Thu Oct 16, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 2967

Re: Exercise Posts

You don't need to buy anything. Start small - I recommend the "scientific 7 minute workout". http://well.blogs.nytimes.com/2013/05/09/the-scientific-7-minute-workout/?_php=true&_type=blogs&_r=0. There's youtube videos that walk you through it. Thanks for this! I found a video and ...
by 111
Wed Oct 08, 2014 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Exercise Posts
Replies: 22
Views: 2433

Re: Exercise Posts

I'm the opposite of the OP in that I've pretty much always been quite sedentary and not in good shape. Now that I'm nearing 40 and feeling way older I want to try and get in better shape. So, which of these items would be best for a person starting from scratch with no exercise experience that only ...
by 111
Mon Oct 06, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Exercise Posts
Replies: 22
Views: 2433

Re: Spreadsheet to track AA bands

I just used Google Docs or Sheets or whatever they call it to make one. It automatically updates with the current prices and shows both numerically and on a pie chart what my current allocation is and what my target is.
by 111
Sun Oct 05, 2014 4:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Spreadsheet to track AA bands
Replies: 8
Views: 551

Re: We're all going to die!!!

I just realized that a nice benefit of having your portfolio split between 2 accounts with equities in one and bonds in the other is that pretty much everyday one of them will be green. It's kind of nice psychologically when I hear people/news talking about how bad the market is doing to look at my ...
by 111
Thu Sep 25, 2014 4:02 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 4806

Re: Any experience with LifeSpan TR800 DT5 Treadmill Desk?

In Boglehead style I think you should save :moneybag by going DYI and building one of these:

Image

How to is here: http://www.instructables.com/id/Hamster ... ding-Desk/
by 111
Sat Sep 20, 2014 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Any experience with LifeSpan TR800 DT5 Treadmill Desk?
Replies: 12
Views: 1038

Re: Why did REITs drop today?

My guess on why they dropped is that I bought some VNQ the day before.
by 111
Sat Sep 13, 2014 7:25 am
 
Forum: Investing - Theory, News & General
Topic: Why did REITs drop today?
Replies: 26
Views: 4169

Re: Calculated Spending: Cars

I'm mostly in the latter group and the 5% ballpark too. I needed a car and had just gotten out of debt and didn't want to go back, so I found one I could pay cash for. I'm moving next year and really struggling with keeping this car, selling it and buying another used one at the new location, or sel...
by 111
Thu Sep 11, 2014 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 2925

Re: "Why 97% of People Don't Use 529 College Savings Plans."

My reasoning, and someone please tell me if I'm wrong: 529 counts against me on FAFSA and can only be withdrawn without penalty for educational expenses. Retirement accounts aren't counted against me on FAFSA and withdrawals for qualified educational expenses aren't penalized. Therefore I am better ...
by 111
Tue Sep 09, 2014 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 10794

Re: Poll: Which iPhone 6?

Probably the Plus. Not because "bigger is better" but because higher resolution & pixel density is better (for me at least.)
by 111
Tue Sep 09, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3177

Re: Free credit report not available online

I've only had credit cards for the last 5 years or so. I guess that is probably the reason. Thanks.
by 111
Tue Sep 02, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free credit report not available online
Replies: 7
Views: 481

Free credit report not available online

Reading one of the other threads prompted me to want to pull my credit report from annualcreditreport.com. I tried to pull Experian and it said I couldn't request it online and had to do it by mail. I thought maybe it's because I'm out of the US right now, so I turned on my VPN and tried to pull the...
by 111
Tue Sep 02, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free credit report not available online
Replies: 7
Views: 481

Re: When to invest in China?

Valuethinker wrote:On your travel agenda for China I have heard good things about Chengdu.


I lived there in Chengdu for almost 2 years. Food is amazing and that's where the pandas are. Two nearby things I regret not getting to see are the giant Buddah at Leshan and Jiuzhaigou Valley.
by 111
Sun Aug 31, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: When to invest in China?
Replies: 51
Views: 2992

Re: When to invest in China?

People with money in China are trying to figure out how to get it out, why would I want to put any in?

It's a very interesting place and it does seem pretty free until something happens like protests or something and suddenly the internet is cut off for millions of people.
by 111
Sat Aug 30, 2014 4:01 pm
 
Forum: Investing - Theory, News & General
Topic: When to invest in China?
Replies: 51
Views: 2992

Re: Trip to China

When I lived/worked in China from 2011 to 2013 I used Witopia. They offered quick support and workarounds whenever the Chi-Coms would tweak the Great Fire Wall causing complications for VPN connections. Before you signup for a service you probably will want to ask their customer service how well th...
by 111
Fri Aug 29, 2014 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Trip to China
Replies: 13
Views: 791

Re: Induction Range Worth the Price?

Induction cooktop burners don't heat up, they use an electromagnetic process that heats the pan up, the burner itself doesn't get hot. I have one and have to disagree with that last part. It's true that the you have to have special pans and the burner won't heat up without the pan. But, once the pa...
by 111
Fri Aug 29, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Induction Range Worth the Price?
Replies: 14
Views: 1162

Re: World news daily videos online

24 hr news:CNN, MSNBC, FOX. CNN is not 24 hour news. The Sixties and Anthony Bourdain Parts Unknown are not news. Nor is The Hunt with John Walsh. These programs fill a lot of the 24 hours in any given day. Unfortunately. Even without those programs it's more like 15 min. news played on an infinite...
by 111
Sat Aug 23, 2014 3:49 am
 
Forum: Personal Consumer Issues
Topic: [Online] World news [show?]
Replies: 9
Views: 693

Re: TSP contribution percentage

We are not military and we use Employee Express which lists the max as 99%, but has a disclaimer that the actual amount deducted may be less due to other deductions. I just set my wive's to 99%, so I have to wait a few weeks for the change to take to see how much actually ends up being deducted.
by 111
Sat Aug 23, 2014 3:47 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP contribution percentage
Replies: 3
Views: 671

Re: Frequent Flyer Miles:Transfer, Gift or what...

I went through United and purchased 2 tickets for my parents without any problems or cost.
by 111
Fri Aug 22, 2014 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Frequent Flyer Miles:Transfer, Gift or what...
Replies: 12
Views: 773

Re: How much do you plan to save in your 529 plan?

None. I don't really see enough benefit to it since my state has no income tax. I'm maxing out retirement accounts instead.
by 111
Fri Aug 22, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you plan to save in your 529 plan?
Replies: 60
Views: 7074

Re: Good place to buy eyeglasses without insurance?

I like Warby Parker's home try on program. You browse their website, pick 5 pairs to try for 5 days with free shipping both ways. And, if you like them then you order them.
by 111
Thu Aug 21, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 39
Views: 2672

Re: Your biggest "Missed Money" event that still kills you?

I once quit a job to go back to school and then 3 months later they downsized and offered people like 20K + money to go back to school to people willing to quit. Of course, I had no way of knowing that was going to happen so it doesn't really kill me.
by 111
Mon Aug 18, 2014 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8359

Re: Tropical vacation next winter with infant-where?

We flew my daughter to The Philippines for her 1st birthday. We flew Cathay Pacific and the have bulkhead seats with fold down bassinets that you can use. Made the flight much easier. That may be something you want to look into.
by 111
Wed Aug 13, 2014 7:28 am
 
Forum: Personal Consumer Issues
Topic: Tropical vacation next winter with infant-where?
Replies: 40
Views: 2873

Re: A financial “guru” for world travelers?

Foreign Service high five! :sharebeer I started trading while I was in school and started to convince myself that I could make money doing that while traveling around the world. Actually, it was just that the market was doing really good so I was really lucky as when it turned around I lost all that...
by 111
Tue Aug 12, 2014 7:04 am
 
Forum: Investing - Theory, News & General
Topic: A financial “guru” for world travelers?
Replies: 18
Views: 2060

Re: "Chip" credit card for foreign travel

I have several Chip & Sig cards and the USAA Chip & PIN as a backup for train kiosks and stuff. I was in Paris the last week and used the USAA card for buying all of my metro tickets on the assumption that the PIN would be required and the Chip & Signature wouldn't work. On the last day,...
by 111
Mon Aug 11, 2014 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Chip" credit card for foreign travel
Replies: 98
Views: 13588

Re: Any other travel freaks?

I would say travel is by far our biggest expenditure. This year we've been to Amsterdam, Madrid, Sevilla, Gibraltar, and I am in Paris at the moment. We are based in Lisbon, so all of the ones on the Iberian peninsula were car trips. After we get back next week there is a 3-day weekend, so then we a...
by 111
Sun Aug 03, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Any other travel freaks?
Replies: 117
Views: 9200

Re: Missing TSP Contribution?

I just checked mine & it showed my contribution and match on 7/18.
by 111
Sat Jul 19, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Missing TSP Contribution?
Replies: 13
Views: 1911

Re: Any Bogleheads in Dubai?

Good points - my wife and kids are US citizens - I don't think I am allowed to keep the green card if I live abroad, I think I have to turn it in. But you are right, the process of getting it took a while, I was hoping the second time around would be quicker. Not sure how the years with it would co...
by 111
Wed Jul 09, 2014 4:26 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Any Bogleheads in Dubai?
Replies: 24
Views: 2743

Re: Kindle - Which one to buy?

Do you need to purchase the power adapter? I won't have access to a computer for a good portion of my trip, so charging it can only take place at an electrical outlet. The reviews say amazon is ripping of the consumer, what say you? Amazon requires you to pay an extra $15 or so, if you want the lux...
by 111
Mon Jun 30, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Kindle - Which one to buy?
Replies: 36
Views: 2137

Re: Pin and Chip Cards coming to the US

As I mentioned above ( http://www.bogleheads.org/forum/viewtopic.php?f=2&t=140548#p2081310 ), Chip cards would actually solve the issues of huge databases of card info being stolen from retailers, such as Target. The retailer is not given enough info to create a fraudulent card or transaction. ...
by 111
Fri Jun 06, 2014 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pin and Chip Cards coming to the US
Replies: 71
Views: 5484

Re: Pin and Chip Cards coming to the US

As I mentioned above ( http://www.bogleheads.org/forum/viewtopic.php?f=2&t=140548#p2081310 ), Chip cards would actually solve the issues of huge databases of card info being stolen from retailers, such as Target. The retailer is not given enough info to create a fraudulent card or transaction. ...
by 111
Fri Jun 06, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pin and Chip Cards coming to the US
Replies: 71
Views: 5484

Re: Pin and Chip Cards coming to the US

How are chip and PIN cards used for online purchases where the card is not present? Much of today's fraud seems to be mass security breaches of retailers' systems ala the recent Target breach. We've had two cards replaced in the past six months due to this. Does transitioning to chip and PIN techno...
by 111
Fri Jun 06, 2014 4:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Pin and Chip Cards coming to the US
Replies: 71
Views: 5484

Re: Pin and Chip Cards coming to the US

How are chip and PIN cards used for online purchases where the card is not present? Much of today's fraud seems to be mass security breaches of retailers' systems ala the recent Target breach. We've had two cards replaced in the past six months due to this. Does transitioning to chip and PIN techno...
by 111
Thu Jun 05, 2014 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pin and Chip Cards coming to the US
Replies: 71
Views: 5484

Re: Pin and Chip Cards coming to the US

I'm from the US, but I do live in Europe. Before moving here I did a lot of research and while MOST US chip cards are Chip & Signature, there are a few that are real Chip & PIN cards. Whether or not Chip & Signature works varies greatly by country. Some don't want to take them at all and...
by 111
Thu Jun 05, 2014 4:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Pin and Chip Cards coming to the US
Replies: 71
Views: 5484

Re: What Book Are You Currently Reading? Part V

Sadly, I haven't read anything in a long time. I am looking to get back into it and was thinking that while I'm living in Portugal I should read up on Portuguese history. Anyone happen to have a recommendation? Edited to add I'm starting "Over the Edge of the World" http://www.amazon.com/O...
by 111
Sun Jun 01, 2014 5:54 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1194956

Re: Simple Camera for Travel?

I second the Sony RX100 series. I have the II and love it. The pics are not quite as good as my DSLR, but it's much simpler and small enough to fit in my pocket so I carry it with me all of the time. I almost never wanted to lug my DSLR around, so to me pics with slightly less image quality are bett...
by 111
Fri May 30, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Simple Camera for Travel?
Replies: 34
Views: 1624

Re: TrueCrypt possibly compromised/unsafe to use.

The audit was not paid for by the developers, but there is a possibility this was just the developers deciding they no longer wanted to work on the project. However, the custom in open source is to seek someone out to take over the project as the new lead developer, not nuking the project, although...
by 111
Fri May 30, 2014 1:54 am
 
Forum: Personal Consumer Issues
Topic: TrueCrypt possibly compromised/unsafe to use.
Replies: 61
Views: 6141

Re: Int'l travel & Fidelity card experiences?

There are two possible fees when using an ATM (not counting using bad exchange rates): Fees charged by the ATM owner Fees charged by your bank for using a foreign ATM From the transcript, it sounds as if Fidelity doesn't charge you a fee and will actually reimburse you fees charged by the ATM owner....
by 111
Thu May 29, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Int'l travel & Fidelity card experiences?
Replies: 20
Views: 2080

Re: TrueCrypt possibly compromised/unsafe to use.

I lean towards the theory that since the developers worked for donations over the last 10 years and probably got less than those who called for donations to perform an audit they decided it wasn't worth their time and effort anymore.
by 111
Thu May 29, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: TrueCrypt possibly compromised/unsafe to use.
Replies: 61
Views: 6141

Re: Finally posting my portfolio for feedback

The point was not that you should own physical real estate, but that you should count REITs as part of your risky asset allocation. I consider them a subset of my stock allocation--they are stocks after all. The other point is that an investment in REITs has very different expected return and risk ...
by 111
Sun May 18, 2014 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Finally posting my portfolio for feedback
Replies: 10
Views: 1125

Re: Replace Gas Guzzler with Toyota Prius Lease?

Buy a used Prius and save. :moneybag

I got an '05 about 9 months ago and I love it.
by 111
Sat May 17, 2014 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Replace Gas Guzzler with Toyota Prius Lease?
Replies: 24
Views: 1980

Re: Finally posting my portfolio for feedback

Sorry about that, you are correct. When I was thinking about it I forgot that it is on taxable income (or AGI, right?). AGI is not taxable income. Your gross income doesn't appear on your tax return. Your AGI appears at the bottom on page 1. Taxable income appears on line 43 on page 2. Review your ...
by 111
Sat May 17, 2014 5:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Finally posting my portfolio for feedback
Replies: 10
Views: 1125

Re: Finally posting my portfolio for feedback

REIT is a risky asset. I own it, but count it as part of my risky (stock) assets. If you want 90/10, then you are fine. (REIT is not a substitute for physical real estate; I own both--they are not the same). Kevin Yeah, I'd like to eventually own both, but physical real estate is a little difficult...
by 111
Sat May 17, 2014 5:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Finally posting my portfolio for feedback
Replies: 10
Views: 1125

Re: Finally posting my portfolio for feedback

Sorry about that, you are correct. When I was thinking about it I forgot that it is on taxable income (or AGI, right?).
by 111
Sat May 17, 2014 3:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Finally posting my portfolio for feedback
Replies: 10
Views: 1125

Re: Finally posting my portfolio for feedback

You're saving plenty. Is there anything else you want that you don't have? My guess is you can splurge on something and not affect your bottom line. For me it was an EV and solar panels. Most of what we spend is on food and travel. We have very little in the way of monthly bills which is why we are...
by 111
Fri May 16, 2014 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finally posting my portfolio for feedback
Replies: 10
Views: 1125

Finally posting my portfolio for feedback

Hello everyone! Firstly, thanks for this wonderful resource. As background, I've been a fairly active performance chasing type and have been trying to change my ways so I can devote less energy to my finances and more to other things (mainly health which needs a lot of work (why save for retirement ...
by 111
Fri May 16, 2014 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finally posting my portfolio for feedback
Replies: 10
Views: 1125

Re: Poll: Do you own Total Bond Market?

I do, but after reading some of the other comments and some other threads I'm thinking of selling it since I also have a TSP and the ability to shift funds to the G-Fund.
by 111
Wed May 14, 2014 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own Total Bond Market?
Replies: 50
Views: 4550
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