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Re: my review of my HSA with Saturna brokerage

if you liquidated your holdings and withdrew the cash you presumably wouldn't be hit with the fee.
by Easy Rhino
Fri Apr 18, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 18
Views: 1347

Re: [Eli Lilly Fed CU] Elfcu HSA warning for federal employe

I've talked with quite a few credit unions which don't send NOC's at all on transactions. They either post the deposit without complaining (even if they have to jerry-rig something on their side) or they just reject the transaction entirely. It's probably more common at bigger financial institutions...
by Easy Rhino
Mon Apr 14, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Eli Lilly Fed CU] Elfcu HSA warning for federal employees
Replies: 10
Views: 800

Re: Home Search: how flexible should we be? 2x-2.5x

gee we just bought a house here in san diego that was about 5x our HHI. :annoyed
by Easy Rhino
Thu Apr 03, 2014 10:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Search: how flexible should we be? 2x-2.5x
Replies: 10
Views: 1127

Re: And suddenly, I'm done...

Yes congratulations. When I 'finished' my investments it was sort of with a whimper as well. Fortunately the financial crisis hit and left me a lot of rebalancing to do :confused
by Easy Rhino
Thu Apr 03, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: And suddenly, I'm done...
Replies: 24
Views: 4960

Re: Putting $ away for children

Introduce them to the trusts. They can't really touch the money anyway for a few years, so just get them used the seeing the statements and such. The 75k from the UGMA's looks to be legally totally theirs. I think you will need to let that bird leave the next. But maybe encourage them to take the mo...
by Easy Rhino
Thu Apr 03, 2014 7:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Putting $ away for children
Replies: 103
Views: 5401

Re: Best ways to show daily news to 9 year old

channel one still exists, a friend is a middle school teacher and they show it in the morning.

http://www.channelone.com/daily-shows/

http://www.channelone.com/family-daily/

... this is actually this first time I've ever seen it. :)
by Easy Rhino
Wed Apr 02, 2014 11:07 pm
 
Forum: Personal Consumer Issues
Topic: Best ways to show daily news to 9 year old
Replies: 28
Views: 1912

Re: my review of my HSA with Saturna brokerage

Could you check on VTSAX, VTIAX, VBTLX, and FSTVX? Thanks! yep they're all listed as something I can place a trade on. then again, since the system would let me try to trade these with 80 bucks, take it with a grain of salt. If access to the admiral funds is a showstopper for you, i'd probably shoo...
by Easy Rhino
Wed Apr 02, 2014 10:55 pm
 
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 18
Views: 1347

Re: LED bulb prices

yeah I just put a few (dimmable, more expensive 7.49) ikea bulbs in our guest bathroom.

Consumer reports dinged a them a little bit because they're fairly "directional" in their light pattern. But they seem fine to my untrained eye (most of our rooms are can lights anyway).
by Easy Rhino
Wed Apr 02, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 104
Views: 8132

Re: my review of my HSA with Saturna brokerage

yeah they carry all the vanguard funds, you just have to pay the 14.95 trading fee on them. the ones I see listed as allowing me to place an order: VIPSX VAIPX (admiral) VTIPX VTAPX (admiral) i also personally own the ETF, VTIP. Now, take this with a grain of salt,, I was able to place a buy order f...
by Easy Rhino
Wed Apr 02, 2014 2:21 am
 
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 18
Views: 1347

Re: Maintenance $$'s spent over the lifetime on your Car

yes, go ahead and splurge and buy some new tires. Then replace them when you stick a penny in the tread with abe lincoln's head down, and the tread doesn't cover up any of his hair any more. Anyway I have a 14 year old Audi. Depreciation is now trivial. But maintenance is a lot. I've had $1000 repai...
by Easy Rhino
Wed Apr 02, 2014 2:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Maintenance $$'s spent over the lifetime on your Car
Replies: 38
Views: 2352

Re: LED bulb prices

No not all LEDs are dimmable. It's better than with CFls though.

I was buying a few at ikea and some we're dim able and some noy
by Easy Rhino
Tue Apr 01, 2014 7:54 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 104
Views: 8132

Re: my review of my HSA with Saturna brokerage

aha wrote:What funds do they offer?


Pretty much all of them, although most have the transaction fee. If there is any specific obscure fund you're looking for I can try to look it up
by Easy Rhino
Tue Apr 01, 2014 7:40 pm
 
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 18
Views: 1347

Re: LED bulb prices

wesef wrote:Dimmable BR30 LEDs were on sale for about $5 each at my Costco a few days ago.


Serious? I just installed 20 br30s that I thought we're a good deal at almost $11 each /groan
by Easy Rhino
Tue Apr 01, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 104
Views: 8132

Re: (Lack of) Emergency Fund - Are We Crazy?

I'd maybe keep a few more grand around in case of an expensive car repair, or a medium sized home repair, just because it would be a pain to sell the stock and deal with capital gains. But you're not being reckless. if you need money within 2 weeks you can get it and you have a buffer in the event o...
by Easy Rhino
Fri Mar 28, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Lack of) Emergency Fund - Are We Crazy?
Replies: 44
Views: 3462

Re: You can lead a horse to water...

I agree that they don't really need an investment advisor, but more of a life planner. One who can advise them to declare bankruptcy if need be. The problem is, investment advisors are going to try to sell them crap, and bankruptcy attorneys are going to push the BK. maybe dave ramseyish advice woul...
by Easy Rhino
Fri Mar 21, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: You can lead a horse to water... [Giving financial advice]
Replies: 49
Views: 4932

Re: Is it ethical to put this on your resume?

"Latin with an emphasis on Mathematics"? Ugh.

If school was long enough in the past, maybe just list the B.A. and not even mention the major.
by Easy Rhino
Thu Mar 20, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it ethical to put this on your resume?
Replies: 27
Views: 2857

Re: my review of my HSA with Saturna brokerage

speaking of the HSA wiki, it says this on Saturna: Vanguard funds are available however there is an additional $10 commission to buy/sell them. Fidelity Spartan investor/advantage funds are available with the required minimum investments without the additional $10 commission. This doesn't look corre...
by Easy Rhino
Thu Mar 20, 2014 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 18
Views: 1347

my review of my HSA with Saturna brokerage

Hi all. Last year I opened an HSA brokerage account with Saturna brokerage services. They're not mentioned very frequently around here so I thought I'd post a casual review. And since I've had the account for almost a year and not wrote anything extensive, I figured I should get it out here now befo...
by Easy Rhino
Tue Mar 18, 2014 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 18
Views: 1347

Re: 529 Account in California

California has no special tax breaks for their own 529.

So while ScholarShare is pretty good (the move to TIAA CREF was a good one), you can go with any state's plan.

Some folks around here have picked plans that offer lots of Vanguard funds. My daughter's plan is with New York's 529.
by Easy Rhino
Tue Mar 18, 2014 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 Account in California
Replies: 11
Views: 589

Re: [Eli Lilly Fed CU] Elfcu HSA warning for federal employe

There must be a way that payroll can code it as an "S" internally, but as 'checking' externally. Because remember, most HSAs at banks are checkings, anyway. Again, according to the people in payroll I've spoken with, the moment Treasury gets the notification of change saying the account i...
by Easy Rhino
Fri Mar 14, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Eli Lilly Fed CU] Elfcu HSA warning for federal employees
Replies: 10
Views: 800

Re: [Eli Lilly Fed CU] Elfcu HSA warning for federal employe

The H, S, and C codes are all specific to payroll's system, not to the ACH files that are exchanged between financial institutions (and that's all elfcu sees). There must be a way that payroll can code it as an "S" internally, but as 'checking' externally. Because remember, most HSAs at ba...
by Easy Rhino
Fri Mar 14, 2014 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Eli Lilly Fed CU] Elfcu HSA warning for federal employees
Replies: 10
Views: 800

Re: How old is too old to buy first house?

i think a better question might be "how old is too old to be paying a mortgage". and in general it's probably preferable to not owe money on a mortgage after you're no longer employed.
by Easy Rhino
Fri Mar 14, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: How old is too old to buy first house?
Replies: 17
Views: 2286

Re: House flipping investing - Am I wrong or what? Please ad

What happens when they get stuck with a property?

We bought a house from a flipper. The remodel took three times as long as expected (permits) and the house sat on the market for about 6 months before we made our offer.
by Easy Rhino
Fri Mar 14, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: House flipping investing - Am I wrong or what? Please advice
Replies: 21
Views: 2339

Re: [Eli Lilly Fed CU] Elfcu HSA warning for federal employe

since elfcu only has about 50,000 members, i don't think your situation is going to be universal. I work with software for credit unions (not elfcu's though), and I don't think it's their fault. You'll probably need to cancel and restart you withdrawal with your payroll department. when elfcu receiv...
by Easy Rhino
Fri Mar 14, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Eli Lilly Fed CU] Elfcu HSA warning for federal employees
Replies: 10
Views: 800

Re: when to use up capital loss

I'm sitting on probably 8 remaining years of my capital losses from 2008 offsetting my regular income, $3000 per year.

I'm fine with that. :beer
by Easy Rhino
Thu Mar 13, 2014 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: when to use up capital loss
Replies: 13
Views: 600

Re: Pre-paying credit card, then taking cash advance?

if the overpayment remains too long the credit card company would have to refund it to you. it's a hassle.

to address the OP, most cards nowadays charge a transaction fee for cash advances or balance transfers.
by Easy Rhino
Wed Mar 12, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Pre-paying credit card, then taking cash advance?
Replies: 11
Views: 868

Re: Large capital gain this year

MN Finance wrote:gains could wait for 12 months then harvested and put into VTI.


I guess this is the only way it might be palatable. Because I wouldn't want to end up holding 25 or so random stocks in perpetuity just because I sold a dumb house.
by Easy Rhino
Tue Mar 11, 2014 8:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large capital gain this year
Replies: 68
Views: 2991

Re: Do you have a favorite chocolate bar?

I must confess that while I'll eat really really dark chocolate bars as a kind of fun adventure, I also really really like the taste of a regular hershey's bar. just yummy. I like chocolate but don't eat carbs. Does anyone have recommendations for chocolate without sugar or artificial sweeteners? Bi...
by Easy Rhino
Tue Mar 11, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Do you have a favorite chocolate bar?
Replies: 86
Views: 4073

Re: What does "balance forward" mean?

'balance forward' could also be an old timey description on a bank account statement indicating the starting balance. But that's totally not the case where.
by Easy Rhino
Tue Mar 11, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does "balance forward" mean?
Replies: 15
Views: 886

Re: Money issues - people take me for granted

matto wrote:
sadinvestor wrote:
matto wrote:
mnaspbh wrote: "wow he can afford to blow 100k gambling, he can afford to subsidize my living."

I agree that some folks, if they have substantially less money than the person they're mooching off of, will feel exactly that way.
by Easy Rhino
Mon Mar 10, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money issues - people take me for granted
Replies: 74
Views: 4924

Re: What do you do if your fun allocation disappears?

if you make a large purchase, buy a house etc, then I would simply shrink the entire portfolio. So what used to be 5% of your portfolio is now maybe 7%. so you'd have to shrink it. The withdrawal wouldn't necessarily be exclusively from the fun part. if you lose the fun money due to fun money misman...
by Easy Rhino
Mon Mar 10, 2014 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: What do you do if your fun allocation disappears?
Replies: 20
Views: 1352

Re: LED bulb prices

Our house has a ton of recessed can lights (around 30), all BR30. And almost all are on dimmer switches. i'd be okay with CFLs, except dimmable CFLs seem to be quite expensive. Approaching LED level price. Anyone seen a good deal on them? Otherwise I'm looking at LEDs. Which I'd probably have to buy...
by Easy Rhino
Thu Mar 06, 2014 2:09 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 104
Views: 8132

Re: Cutting cell phone expenses

note that since there's only two of you, a family plan isn't really a huge cost saver.

The cost of two individual setups with an inexpensive mvno would probably still be cheaper.
by Easy Rhino
Wed Mar 05, 2014 12:15 am
 
Forum: Personal Consumer Issues
Topic: Cutting cell phone expenses
Replies: 20
Views: 1789

Re: washing machine - front loader or HE top loader?

we've had our new ones for a few months. ended up with a samsung front loader. Like it. If I recall consumer reports correctly, the top loaders tend to be faster but use more water and electriciticy. Front loaders are more efficient but slow. (and indeed, the heavier duty cycles can be very slow). T...
by Easy Rhino
Tue Mar 04, 2014 12:46 am
 
Forum: Personal Consumer Issues
Topic: washing machine - front loader or HE top loader?
Replies: 52
Views: 2778

Re: Anyone use UPromise?

it's useful to get up to 5% cashback on certain online purchases. I'll use it along with other portals like discovercard or bigcrumbs or fatwallet. I search cashbackholic to see what's highest for my purchase. (and if it's amazon I link through the bogleheads' site) :) It's been maybe a couple hundr...
by Easy Rhino
Wed Feb 26, 2014 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use UPromise?
Replies: 14
Views: 1711

Re: Emerging Markets: Boom, Bust, Repeat, Yawn

How would I go about determining a fixed weird emerging market allocation, if I wanted to do that? any data out there on what percent emerging has been of global market caps over the last 100 years or so? I think you are rationalizing this decision. What was your % target for EM? Do that. I split m...
by Easy Rhino
Fri Feb 07, 2014 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Boom, Bust, Repeat, Yawn
Replies: 58
Views: 5280

Re: Emerging Markets: Boom, Bust, Repeat, Yawn

well now I'm in a conundrum. I happen to have my international stocks in two separate funds, developed and emerging. So in theory I'm primed to rebalance. However, I'd decided to have my split between the two determined by the market cap, because, well, I'm not smart enough to think of anything else...
by Easy Rhino
Thu Feb 06, 2014 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Boom, Bust, Repeat, Yawn
Replies: 58
Views: 5280

Re: Another ESPP question

18 month minimum holding period Wait, are you SURE it has a 18 month minimum holding period? 6 month purchase period plus 18 months happens to equal the 2 year window in which you can wait to get favorable income tax treatment from the IRS if the stock price goes down. But maybe your plan allows yo...
by Easy Rhino
Thu Feb 06, 2014 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another ESPP question
Replies: 50
Views: 2737

Re: How long did it take to realize compounding interest

definitely over 10 years. maybe 15. but after saving for a while, especially during the volatility of the financial crisis, I would see swings in one day (up or down) which sometimes exceeded my monthly pay.
by Easy Rhino
Wed Jan 29, 2014 5:38 am
 
Forum: Personal Finance (Not Investing)
Topic: How long did it take to realize compounding interest
Replies: 45
Views: 4049

Re: USAA for term life insurance?

I use USAA for car and house, but when I shopped for term, I found substantially better rates at term4sale (I counted in I think the highest health tier for banner). The price at term4sale exactly matched the prices I was quoted by the insurance agent I ended up connected with through the site. I di...
by Easy Rhino
Thu Jan 23, 2014 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA for term life insurance?
Replies: 17
Views: 870

Re: New Investor • Made Mistakes • Need Help

Welcome. i'm going to be flying to your town tomorrow, coincidentally :beer congratulations on the baby on the way as well. But on the investments, YIKES, I had to google them to even understand what the heck they where. Foreign listed stocks, warrants, a chinese company, and, well, JC Penney? You w...
by Easy Rhino
Thu Jan 23, 2014 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor • Made Mistakes • Need Help
Replies: 23
Views: 1710

Re: Investing in a carwash

isn't investing in carwashes how a lot of pro sports players lost their money?
by Easy Rhino
Thu Jan 23, 2014 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in a carwash
Replies: 36
Views: 3485

Re: Home Equity Loan-Wells Fargo charging $500 to quit!

I would imagine some costs for the bank to release the lien on your house with the county. So it would also be interesting to hear what was on the original contract (and what other banks have done).
by Easy Rhino
Thu Jan 23, 2014 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Home Equity Loan-Wells Fargo charging $500 to quit!
Replies: 49
Views: 3636

Re: New investors: DINKs -> kids

i'd try to steer work savings towards traditional pretax 403b / 401ks instead of Roths, just due to your fairly high tax rate. I'd probably put the retirement plans lower in priority than paying off the higher rate student loans, or insurance. but I'd put it higher priority than a 529 or paying down...
by Easy Rhino
Wed Jan 22, 2014 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: New investors: DINKs -> kids
Replies: 19
Views: 2472

Re: Rent and save for next 5 years or stretch now?

if you bought a house in the million plus price range what would the PITI payment compared to your rent? If you're in a situation where you could affordably rent a place and send your kid to school eventually, while buying is insanely unaffordable, then just keep on renting. In case your situation c...
by Easy Rhino
Wed Jan 22, 2014 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rent and save for next 5 years or stretch now?
Replies: 38
Views: 2667

Re: Safety net - VBMFX, PRPFX, VIPSX, or VWINX

well if you mean 'emergency fund to tap on short notice for sudden spending' then i'd recommend something like a bank account.

If you're talking about something to hedge the rest of your portfolio, we'd need to know what the rest of your portfolio is, and what you're trying to hedge :)
by Easy Rhino
Wed Jan 22, 2014 5:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Safety net - VBMFX, PRPFX, VIPSX, or VWINX
Replies: 5
Views: 599

Re: percolator vs drip

Our old drip had the carafe broken, so we got a Mr Coffee that was highly rated on Consumer Reports. They said the most imporant part was maintaining a high (But not boiling) temp. The most important feature to me? it has a wake up timer. Pretty vital. we have a keurig but it jams and doesn't refile...
by Easy Rhino
Tue Jan 21, 2014 7:50 pm
 
Forum: Personal Consumer Issues
Topic: percolator vs drip
Replies: 109
Views: 4798

Re: CFL lifespan problem

I believe when putting an LED in a bathroom it may be useful to have the bulb covered with some sort of plastic lens so it's better suited towards damp conditions. (assuming we're talking about a recessed can light, here). If you're talking about exposed bulbs, like over a mirror, then never mind. W...
by Easy Rhino
Tue Jan 07, 2014 2:45 pm
 
Forum: Personal Consumer Issues
Topic: CFL lifespan problem
Replies: 36
Views: 1531

Re: What is your winter thermostat setting (while you are up

71 at night.

Unfortunately our baby daughter's crib is in the coldest room in our new house.

Insulation guys are coming in a week.
by Easy Rhino
Mon Jan 06, 2014 9:07 pm
 
Forum: Personal Consumer Issues
Topic: What is your winter thermostat setting (while you are up)?
Replies: 116
Views: 8054

Re: What does a Bogle TV look like?

I have been using my RCA 27" since 1989. Picture is as beautiful as the day I bought the set. Maybe I am a tv snob, but non hd video feeds make my eyes bleed in disgust now. I can sense it in one sec. due to the fuzzy magic of old picture tubes, standard def on an old tv looks acceptable, whil...
by Easy Rhino
Mon Jan 06, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: What does a Bogle TV look like?
Replies: 78
Views: 3935
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