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Re: HSA woes, former employer keeps contributing

Could you transfer to another custodian and close the account?
by Don Christy
Sat Jul 19, 2014 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA woes, former employer keeps contributing
Replies: 11
Views: 1268

Re: USPS Shipping Problem Again

I've had problems with all three, USPS, FEDEX, and UPS. Biggest problem was with UPS. Insure to proper value and use track able service if it's valuable. If it's truly heirloom, irreplaceable, reconsider shipping at all.
by Don Christy
Sat Jul 19, 2014 10:56 am
 
Forum: Personal Consumer Issues
Topic: USPS Shipping Problem Again
Replies: 19
Views: 878

Re: Options/guidance for a lazy person to be fit

For weight loss, you obviously have to burn more calories than you consume. The calorie in side is typically the biggest challenge. And especially challenging are calories from alcohol. With alcohol, you get lots of relatively useless calories, an appetite stimulant, and reduced self-control. And if...
by Don Christy
Fri Jul 18, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 5526

Re: A question for the Bogleladies or those who can consult

http://www.marieclaire.co.uk/blogs/545106/8-lingerie-brands-we-should-all-have-in-our-underwear-drawers.html My favorites: Rosie for Autograph and Beautiful Bottoms. My favorites: Rosie for Autograph and Stella McCartney. Victoria A third vote for Rosie. Perhaps a poll is in order. Good luck to PE,...
by Don Christy
Wed Jul 16, 2014 12:20 am
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5609

Re: But why not 100% stock index fund?

Dutch wrote:Ok I'm calling the top of the market


With several 100% equity threads in short order, I think you may have made the right call. Just waiting for stock tips at cocktail parties to confirm.
by Don Christy
Sun Jul 13, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 7129

Re: Travel Converters/Adapters

Most electronics can handle the voltage/frequency, so an adapter is all that's needed for charging most electronics (phones, iPads, Kindles, etc.). Adapters don't change the voltage or frequency, they just physically adapt one plug to another. We used type L adapters, but from what I understand, typ...
by Don Christy
Sat Jul 12, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Travel Converters/Adapters
Replies: 11
Views: 878

Re: Pay down (not off) mortgage?

To the extent that you would be putting the cash into fixed income in your taxable, paying down the mortgage seems a reasonable option. If you're going to need the extra cash when you move, either home equity or any risky investments may not be there when you need them. In other words, think about w...
by Don Christy
Mon Jun 30, 2014 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay down (not off) mortgage?
Replies: 53
Views: 4850

Re: Maxed out contributions help!!

You say you don't have medical insurance.

Perhaps reconsider that decision and choose a plan with an HSA.
by Don Christy
Mon Jun 30, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Maxed out contributions help!!
Replies: 14
Views: 1303

Re: How to get father on board with index funds

indexmeasap wrote:
Maybe an agreement could be worked out that would allow you to help your mom manage the finances if something were to happen to your father? Mothers tend to be susceptible to those nice boys...


In my experience, fathers are just as susceptible.
by Don Christy
Mon Jun 30, 2014 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: How to get father on board with index funds
Replies: 34
Views: 2086

Re: Help choosing DI policy

I would research a bit about prevalence of conditions which are limited under the Principal policy. Also, check to see if EmergDoc's blog (the white coat investor) has anything to say about this. Saw this on WebMD, Mental health problems. You might think of disability as physical, but mental health ...
by Don Christy
Mon Jun 30, 2014 8:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Help choosing DI policy
Replies: 3
Views: 383

Re: 401k mandatory withdraw after parent dies?

my dad is over 70 and not in good health. if he dies, the 401k $ goes to my mom who is under 70. does she still have to do mandatory withdraws? Here's a link to the IRS website on the subject. http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics---Required-Minimum-Distri...
by Don Christy
Sat Jun 28, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k mandatory withdraw after parent dies?
Replies: 13
Views: 636

Re: Best Road Trip Vehicle

Are you sleeping in it or just driving? If latter, consider a VW Jetta Sport Wagon with Turbo Diesel. Great fuel mileage, space and comfort. Large panoramic sunroof. We love ours for road trips. Good luck!
by Don Christy
Thu Jun 26, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Best Road Trip Vehicle
Replies: 35
Views: 2750

Re: SPIA - Purchase with taxable or IRA funds?

Good article that may be helpful at fellow Boglehead EmergDoc's blog (author of The Whitecoat Investor book and blog):
Individual Retirement Annuity- The Solution To The SPIA RMD Dilemma
by Don Christy
Thu Jun 26, 2014 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: SPIA - Purchase with taxable or IRA funds?
Replies: 2
Views: 260

Re: Why is lump sum payout for pension so low?

The question is why would the OP's plan pay so much less (nearly 33% less). I think its not subject to the general rules of ERISA, given that its a state pension. But there is some digging to be done here. OP mentioned "early retirement", but didn't mention whether this was an unreduced e...
by Don Christy
Thu Jun 26, 2014 8:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Why is lump sum payout for pension so low?
Replies: 20
Views: 1776

Re: Am I Nuts?

Forever house... A neighbor once told me that "this is our forever house, they'll carry us out of this house." I insensitively pointed out that "that is exactly what happened to the previous owner." Anyway, unrelated to this conversation, a job change prompted a move 1 year later...
by Don Christy
Thu Jun 26, 2014 7:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I Nuts? [Purchased "forever house," planning addition]
Replies: 34
Views: 2735

Re: Bogleheads 2014 Hedge fund contest

Looks like AAPL's split is not being handled correctly in the listings...
by Don Christy
Tue Jun 10, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 153
Views: 12380

Re: Bogleheads 2014 Hedge fund contest

Hmmmm. Should I lock Rsh? Down on earnings miss today... Think I'll wait a bit. Maybe it'll go to zero!
by Don Christy
Tue Jun 10, 2014 10:22 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 153
Views: 12380

Re: [Poll] How do you rebalance?

Since I'm accumulating, and I use several rebalancing methods, the poll doesn't work well for me (I guess I could choose "other"). I keep things mostly in balance by directing new contributions mostly to fixed income. Over the last several years, this has kept the equity/FI fairly well bal...
by Don Christy
Mon Jun 09, 2014 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Poll] How do you rebalance?
Replies: 30
Views: 1720

Re: Does anyone here play fantasy football?

Does "real" football count? I'm in an English Premier League Fantasy league! It just ended...
Don
by Don Christy
Tue Jun 03, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: Does anyone here play fantasy football?
Replies: 27
Views: 868

Re: Bogleheads 2014 Hedge fund contest

I would like to lock in one of my short picks, DDD.

Thanks
Don
by Don Christy
Thu May 29, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 153
Views: 12380

Re: San Francisco Restaurant Recommendations

Too late for your trip, but adding to the thread for future reference. For really great vegetarian food, Millennium Restaurant, is an upscale gourmet vegetarian restaurant with great wine selection as well. Near Union Square. Millennium Restaurant 580 Geary Street San Francisco, CA 94102 Tel: 415-34...
by Don Christy
Sat May 24, 2014 8:38 am
 
Forum: Personal Consumer Issues
Topic: San Francisco Restaurant Recommendations
Replies: 44
Views: 2716

Re: City Driver Hit My New Car. Diminished Value Advice?

So I'm wondering about the ethics of an attorney representing the city negotiating a legal settlement with someone not represented by counsel. Is that ethical? Yes. I'm not so sure it's clear cut. Lawyers have a duty to the court as well as their client, and arguably government lawyers have a duty ...
by Don Christy
Wed May 21, 2014 6:35 am
 
Forum: Personal Finance (Not Investing)
Topic: City Driver Hit My New Car. Diminished Value Advice?
Replies: 33
Views: 3130

Re: City Driver Hit My New Car. Diminished Value Advice?

So I'm wondering about the ethics of an attorney representing the city negotiating a legal settlement with someone not represented by counsel. Is that ethical?
by Don Christy
Tue May 20, 2014 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: City Driver Hit My New Car. Diminished Value Advice?
Replies: 33
Views: 3130

Re: Paying for a date

Quite heterosexually oriented options. It's a fair comment. Which options would you suggest adding to cover all cases of homosexual couples? Victoria Don't really have a clue, just noticed the obvious perspective. I guess I would say: - early dates, whoever asked should pay - later dates, I suspect...
by Don Christy
Tue May 20, 2014 8:35 am
 
Forum: Personal Consumer Issues
Topic: Paying [on] a date
Replies: 73
Views: 3189

Re: Paying for a date

Quite heterosexually oriented options.
by Don Christy
Mon May 19, 2014 9:58 pm
 
Forum: Personal Consumer Issues
Topic: Paying [on] a date
Replies: 73
Views: 3189

Re: Investments as Inheritence

I think you may be confused about the taxes on your inheritance. Please check for yourself, but I believe your basis should be the value at the time inherited, and you will only be taxed on gains from that point. That's why another poster pointed out that you could have liquidated immediately withou...
by Don Christy
Sun May 04, 2014 11:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Investments as Inheritence
Replies: 20
Views: 1269

Re: VW TDI Engines

Have a Jetta Sportwagen TDI and love it. Though, the price of diesel does bother me a bit.
by Don Christy
Fri Apr 25, 2014 4:20 pm
 
Forum: Personal Consumer Issues
Topic: VW TDI Engines
Replies: 48
Views: 12403

Re: Help me understand Michael Lewis' "Flash Boys"

2. You don't need a ridiculous summary phone call about potentially relevant news. You just can't act on the news until the next synchronization time. Problems solved. Speaking of scarecrows, that time delay is all some of my competitors need to deduce what I already know (about Eskom to continue m...
by Don Christy
Fri Apr 11, 2014 3:51 pm
 
Forum: Investing - Theory, News & General
Topic: Help me understand Michael Lewis' "Flash Boys"
Replies: 173
Views: 27701

Re: Passport, TSA Pre-Check, and Global Entry

PS: TSA-Pre is AWESOME. Like traveling pre 9/11 again...
by Don Christy
Fri Apr 11, 2014 7:23 am
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 3402

Re: Passport, TSA Pre-Check, and Global Entry

Can't really answer your questions, but I'm enrolled in SENTRI which allows easier crossing of the Mex / US border. Involved criminal background checks, and an in person imterview. Once TSA-Pre came along, it automatically allowed me to become TSA-Pre. Just had to enter my SENTRI number in the trust...
by Don Christy
Fri Apr 11, 2014 7:22 am
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 3402

Re: Anyone else very reluctant to buy right now?

Again the black swan event was a gross exaggeration to make a point about being so rigid and tied to your plan that you would invest knowing you are going to lose a lot of money ,which you would assume you will get back by staying the course. :beer Your premises are absurd; therefore so are your co...
by Don Christy
Thu Apr 10, 2014 7:07 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 13791

Re: Help me understand Michael Lewis' "Flash Boys"

Competing on speed adds no value, no pricing information to the market. Traders should compete on information, not physics. I don't see any way in which to separate information from physics, unless one is suggesting the utterly ridiculous, like every market participant gets a phone call from somebo...
by Don Christy
Tue Apr 08, 2014 8:09 pm
 
Forum: Investing - Theory, News & General
Topic: Help me understand Michael Lewis' "Flash Boys"
Replies: 173
Views: 27701

Re: Help me understand Michael Lewis' "Flash Boys"

Again, once you make a choice to have fragmented markets (which can be defended) under continuous trading (good luck outlawing it), there's no stopping the speed race. That's true, but you are assuming your conclusion, otherwise known as begging the question. Your assumption is that continuous trad...
by Don Christy
Tue Apr 08, 2014 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: Help me understand Michael Lewis' "Flash Boys"
Replies: 173
Views: 27701

Re: Help me understand Michael Lewis' "Flash Boys"

However, it's also abundantly clear that HFT in general has been vastly beneficial to the markets (see, e.g., evidence in recent posts; now Don would say it's the rise of IT in the markets, but that's the same thing, since HFTs are simply the leaders of this change). Not really "Don" sayi...
by Don Christy
Tue Apr 08, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Help me understand Michael Lewis' "Flash Boys"
Replies: 173
Views: 27701

Re: Help me understand Michael Lewis' "Flash Boys"

Here's an idea http://faculty.chicagobooth.edu/eric.budish/research/HFT-FrequentBatchAuctions.pdf This paper is really quite interesting. After reading this, I believe many HFT advocates are conflating issues. Sure, we can all see and acknowledge the many benefits, including lower spreads, etc, of ...
by Don Christy
Tue Apr 08, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Help me understand Michael Lewis' "Flash Boys"
Replies: 173
Views: 27701

Re: Help me understand Michael Lewis' "Flash Boys"

Here's an idea http://faculty.chicagobooth.edu/eric.budish/research/HFT-FrequentBatchAuctions.pdf This paper is really quite interesting. After reading this, I believe many HFT advocates are conflating issues. Sure, we can all see and acknowledge the many benefits, including lower spreads, etc, of ...
by Don Christy
Tue Apr 08, 2014 10:07 am
 
Forum: Investing - Theory, News & General
Topic: Help me understand Michael Lewis' "Flash Boys"
Replies: 173
Views: 27701

Re: 2014 First quarter total return calculations

Should be easy enough to run the experiment to see what's disclosed, but I'm too lazy tonight so I'll speculate :D Thought experiment... Let's say VTI closed on 12/31/2013 at $100 and on 1/2/2014 opened down $2 and stayed there all day without further movement, up or down, thereby closing at the sam...
by Don Christy
Mon Mar 31, 2014 9:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2014 First quarter total return calculations
Replies: 2
Views: 386

Re: Retirement pulse check

@Dutch: Full vesting with vesting service of 5 years is not uncommon. Of course the benefit amount may be very small with only 5 or so years of credited service. @OP: make sure you understand how the actual benefit is calculated at your normal retirement date, any age/service requirements for an unr...
by Don Christy
Mon Mar 31, 2014 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement pulse check
Replies: 15
Views: 1505

Re: Multiple HSA rollover(s)

tfb wrote:
Don Christy wrote:Thanks TFB. Only if convenient, can you site a reference?

I answered the same question here:

http://thefinancebuff.com/how-to-rollov ... ment-14130

It links to IRC section 223(f)(5).


Perfect - thanks Harry!
by Don Christy
Sat Mar 29, 2014 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Multiple HSA rollover(s)
Replies: 4
Views: 265

Re: Multiple HSA rollover(s)

Am I parsing the meaning of "an HSA" too finely? Or is it even more simple than that, and all of the accounts represent a single HSA for this purpose? Yes. One year clock starts at the time the money leaves any HSA. You can't do another one until one year passed. You can do one rollover f...
by Don Christy
Sat Mar 29, 2014 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Multiple HSA rollover(s)
Replies: 4
Views: 265

Multiple HSA rollover(s)

Hi, I have read the wiki and IRS Pub 969 and don't clearly see the answer to my question. I currently have 2 HSAs, one with employer and one with Adirondack Trust (AT). I would like to close the AT and also transfer most of the employer balance to an administrator that has Vanguard funds. I'm trying...
by Don Christy
Sat Mar 29, 2014 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Multiple HSA rollover(s)
Replies: 4
Views: 265

Re: HSA Questions

Dang, I hate being the guy that should have read the FAQ or the Wiki, but here I am. :oops: Thanks for pointing me to it. I am below SS max and live in a low tax state, Texas. Sounds like I will check into the yearly roll over option. WiKi: You are able to move money between HSA custodians through ...
by Don Christy
Sat Mar 29, 2014 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Questions
Replies: 14
Views: 1452

Re: Project Euler (math related)

I fooled around with it for a while but reached the same conclusions as the consensus in the posts above. It's basically a website for programmers. If you read the discussions on the solutions its all about- " I programmed the solution in C and used 10 lines of code" "Oh yeah I progr...
by Don Christy
Sat Mar 29, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Project Euler (math related)
Replies: 16
Views: 1165

Re: Were These Investment Advisors Lying or Incompetent?

All: This is EXACTLY what I have been trying to do with exactly those funds. Unfortunately, many people on the Board think that we need a manager since I'm not an "expert". Never mind that I have an advanced degree in statistics... Keep in mind that the Vanguard funds employ professional ...
by Don Christy
Fri Mar 28, 2014 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Were These Investment Advisors Lying or Incompetent?
Replies: 100
Views: 7833

Re: Motley Fool Interview

Just rediscovered this gem as well. I joined BH about a month before this first came out. So appreciative for what I've learned here.

Could this be made a sticky?
by Don Christy
Thu Mar 27, 2014 7:30 pm
 
Forum: Investing - Theory, News & General
Topic: Motley Fool Interview
Replies: 72
Views: 18857

Re: Widow's Social Security Benefits

Tortoise Banker wrote:Terrific. I will.

Thanks you SSCritic, ObliviousInvestor, and Penguin!


Rhetorical question since I'm too lazy to create a poll:
What's the probability that someone could get this level of guidance ANYWHERE other than BH.org?

Kudos to SSCritic, ObliviousInvestor, and Penguin!
by Don Christy
Thu Mar 27, 2014 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Widow's Social Security Benefits
Replies: 22
Views: 1544

Re: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Last year a bunch of us who enjoy vegan food got together for dinner on the Wednesday evening for a nice vegan buffet. My wife is joining this year and we would be interested in doing this again if anyone else is interested. PS a poster got criticized last year for posting the names of the restaura...
by Don Christy
Mon Mar 24, 2014 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 84
Views: 13136

Re: Shark Tank

From my experience, there's certainly the possibility of something between the two scenarios. The original shareholders, or some portion of them, could have a liquidity event as part of the transaction. Or one or more managers could have a "bonus" as result of closing the deal. But I agree...
by Don Christy
Fri Mar 21, 2014 4:32 pm
 
Forum: Investing - Theory, News & General
Topic: Shark Tank [Equity Financing]
Replies: 6
Views: 952

Re: Puerto Rico bonds

Vanguard Intermediate Term Tax Exempt fund holds some Puerto Rico bonds. I believe these are the largest holdings by face value: Holding Coupon Rate Maturity Date Face Amount Market Value Puerto Rico Electric Power Authority Revenue 5.000% 07/01/2019 $35,430,000 $32,696,930 Puerto Rico Sales Tax Fin...
by Don Christy
Fri Mar 21, 2014 8:42 am
 
Forum: Investing - Theory, News & General
Topic: Puerto Rico bonds
Replies: 14
Views: 852

Re: Green Bogleheads discussing Target Stock

One other point that I don't believe has been mentioned. Let's say you buy Target stock and you were right (lucky) and make $ relative to the total market... I would argue that this outcome would be WORSE for your financial future than losing the entire Target investment quickly. If this bet pays of...
by Don Christy
Sun Mar 16, 2014 5:46 pm
 
Forum: Investing - Theory, News & General
Topic: Green Bogleheads discussing Target Stock
Replies: 36
Views: 2675
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