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Re: Experiences with Eli Lilly Credit Union for HSA?

So far, I am very happy with this no-fee account. (Heck, they even let me use a credit card to make my initial HSA deposit, which gave me 2% free money. Can anyone else confirm that they will allow a full years of contribution to be funded by a credit card? Correct me anyone if I am wrong, but havi...
by bogleherik
Tue Apr 01, 2014 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Experiences with Eli Lilly Credit Union for HSA?
Replies: 69
Views: 14889

Re: Best HSA custodian

HSA Bank's fee schedule lists a $2.50/month and $3.00/month fee. Both are noted as being waived by the minimum balance. I wonder if that's an editing error, or if there really are two seemingly identical purpose fees. I have an HSA with SelectAccount. They pay 0.10% APY, require a minimum cash bala...
by bogleherik
Thu Dec 12, 2013 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Best HSA custodian
Replies: 43
Views: 16749

Re: One cent over on HSA, now what?

I know this is an old post, but it's still relevant. I'm curious what the OP and any others have done to address this one penny overage. I too contributed my max for the year before transferring over to HSA Bank, and they too added that cent, effectively putting me over the limit by $0.01. I talked ...
by bogleherik
Fri Nov 29, 2013 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: One cent over on HSA, now what?
Replies: 16
Views: 1691

Re: Sanity check & few remaining questions

I am impressed with Duckie's thorough and great advice. Yes, thank you very much Duckie. Our remaining reluctance with investing into her 401(k) at zero match before maxing his 401(k) is that his is with Vanguard and is very transparent, while her 401(k) was hard enough just to get the detail poste...
by bogleherik
Mon Oct 28, 2013 3:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sanity check & few remaining questions
Replies: 7
Views: 932

Re: Sanity check & few remaining questions

bogleherik , her 401k has good options. They're a little more expensive than his 401k but they're still good. Her international fund beats his. SSgA S&P 500 Index Fund (0.18%) SSgA Russell Small/Mid Cap Index Fund (0.19%) SSgA Global Equity ex US Index Fund (0.22%) SSgA US Bond Index Fund (0.19...
by bogleherik
Thu Oct 24, 2013 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Sanity check & few remaining questions
Replies: 7
Views: 932

Re: Sanity check & few remaining questions

bogleherik , you write there are no contributions to her 401k because there is no matching and poor fund choices. Just how poor are they? All it takes is one decent option to make it worthwhile. For 2014, we are comfortable financially maxing the Roth IRAs, Family HSA, and His 401(k). Putting money...
by bogleherik
Thu Oct 24, 2013 1:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Sanity check & few remaining questions
Replies: 7
Views: 932

Sanity check & few remaining questions

I posted here originally to help my family's quest to escape Edward Jones. This community has helped us so much, but we have a few remaining questions. Here is an update to the original post along some remaining follow-up questions. The allocations are only a month old, so we haven't been down this ...
by bogleherik
Wed Oct 23, 2013 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sanity check & few remaining questions
Replies: 7
Views: 932

Re: Approximating Total Stock Market

bogleherik, you might (?) want to start a new thread to avoid the confusion of replies to your specific profile with that of the OP. That being said, it looks like you have great options for large-cap and mid-cap index, but not for small-cap index. Although it's a bit more complex, can you manage t...
by bogleherik
Mon Oct 21, 2013 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Approximating Total Stock Market
Replies: 13
Views: 1601

Re: Approximating Total Stock Market

I hate to start a new thread on this, so I was hoping any of you would be willing to just quickly comment on my Total Stock Market approximation. For the sake of simplicity, let's say that 100% of the 401(k) is going to Stock (although in reality 20% is in Total Bond). Here are my choices: Vanguard ...
by bogleherik
Mon Oct 21, 2013 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Approximating Total Stock Market
Replies: 13
Views: 1601

Re: Anybody used Simple.com yet?

Simple.com is a bank. Mint.com is a financial management software not all that different from Quicken but online only. I don't see how you can even compare these two unless you're wondering if you'll be able to use Simple.com's financial tools to replace Mint.com. You certainly wouldn't sign up for ...
by bogleherik
Tue Oct 08, 2013 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anybody used Simple.com yet?
Replies: 4
Views: 1124

Re: Government Shutdown/Default [effect on investments]

I'm finally ready to max my Roth IRA for 2013 (holds my domestic and international stocks). I was going to just evenly spread it out over five payments for the rest of the year then start immediately in January on my 2014 max. However, the market downturn has me somewhat excited and jumping at the b...
by bogleherik
Tue Oct 08, 2013 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 27906

Re: Dropbox-like solution - one-way replication

BitTorrent Sync may be what you are looking for. http://labs.bittorrent.com/experiments/sync/technology.html It's still in beta, but it seems to be working well for many people. It allows people to securely share files using the bittorrent protocol. And it has a feature that allows one-way replicat...
by bogleherik
Tue Sep 24, 2013 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Dropbox-like solution - one-way replication
Replies: 22
Views: 1300

Re: Portfolio Advice - New Boglehead Leaving Edward Jones

The transfer from Edward Jones is almost complete. It's basically just a waiting game at this point. Any thoughts regarding my HSA questions about? Pretty sure we'll just go with HSA Bank, keep $5,000 in savings to avoid fees, and invest the rest in Vanguard Total Bond Market ETF (BND). Since it wil...
by bogleherik
Tue Sep 24, 2013 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - New Boglehead Leaving Edward Jones
Replies: 23
Views: 3185

Re: Portfolio Advice - New Boglehead Leaving Edward Jones

While we're busy waiting for our funds to make their way from Edward Jones to Vanguard, I thought I would provide an unnecessary update and ask you about HSA investing. The nice thing about transferring the Roth IRAs is that Vanguard brokerage can hold all of my American Funds, so we didn't need to ...
by bogleherik
Fri Sep 13, 2013 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - New Boglehead Leaving Edward Jones
Replies: 23
Views: 3185

Re: HSA through HSABank, treating like an IRA help

In a year where you are itemizing and have very high medical expenses, there is an advantage to paying the expenses with other funds. I have a question related to your statement. I keep track of all of my medical expenses that are paid out-of-pocket (taxed cash). Eventually, I will pay myself out o...
by bogleherik
Tue Sep 10, 2013 2:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA through HSABank, treating like an IRA help
Replies: 10
Views: 1093

Re: Portfolio Advice - New Boglehead Leaving Edward Jones

Thank you rkhusky and Grt2bOutdoors. We've decided to go with the following funds and allocations after considering your advice. We've also decided to fund the 401(k) as Traditional and not Roth, as we are Roth heavy. By investing both Roth IRAs into Stock Market and International, we have the flexi...
by bogleherik
Sun Sep 08, 2013 1:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - New Boglehead Leaving Edward Jones
Replies: 23
Views: 3185

Re: Portfolio Advice - New Boglehead Leaving Edward Jones

The decision on whether to use a Roth 401K depends on what you expect your tax bracket to be in retirement and whether you will be drawing a pension. How much do you expect to pull out of your savings yearly in retirement? Remember that a portion of that will be taxed at 0%, some at 10%, some at 15...
by bogleherik
Fri Sep 06, 2013 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - New Boglehead Leaving Edward Jones
Replies: 23
Views: 3185

Re: Portfolio Advice - New Boglehead Leaving Edward Jones

Okay, we're finally going to pull the trigger, but I wanted to run these funds by you first. Beginning January 1, 2014, we've decided to max his 401(k) at $17,500 or $18,000 assuming the limit is raised. We'll be putting it all into a the Roth 401(k) option. This will dramatically increase the perce...
by bogleherik
Fri Sep 06, 2013 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - New Boglehead Leaving Edward Jones
Replies: 23
Views: 3185

Re: Best HSA custodian

I'm looking at finally moving my HSA out of my bank now that they dropped what was a decent rate down to 0.1%. I'm looking at Health Savings Administrators but leaned toward going with HSA Bank since I have the necessary funds to avoid fees. It doesn't seem like the playing field has changed all tha...
by bogleherik
Wed Sep 04, 2013 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best HSA custodian
Replies: 43
Views: 16749

Re: Portfolio Advice - New Boglehead Leaving Edward Jones

His 401k at Vanguard - 7% 7% Vanguard Total Bond Market Index Fund Institutional Shares (VBTIX) (.07%) His Roth IRA - 40% 32% Total International Stock Market (40% of 80% = 32%) 8% Total US Stock Market Her Roth IRA - 31% 31% Total US Stock Market His Traditional IRA - 22% 13% Total Bond Market 9% ...
by bogleherik
Sun Sep 01, 2013 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - New Boglehead Leaving Edward Jones
Replies: 23
Views: 3185

Re: Portfolio Advice - New Boglehead Leaving Edward Jones

I stand corrected on the Roth 401k. I was referring to everything. You seem to have most of that covered except some space left in 401k which I, personally, would fill before considering doing some Roth 401k. You get 28% of that back immediately because you don't pay tax on it until you take it out...
by bogleherik
Fri Aug 30, 2013 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - New Boglehead Leaving Edward Jones
Replies: 23
Views: 3185

Re: Portfolio Advice - New Boglehead Leaving Edward Jones

I personally think the Roth 401k should not even be considered until you have maxed every possible tax-advantaged account. Then you might consider partial contributions just to stuff more into it (because the government doesn't own 28% of your Roth as it has already been paid.) Still it has it's pr...
by bogleherik
Fri Aug 30, 2013 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - New Boglehead Leaving Edward Jones
Replies: 23
Views: 3185

Re: Portfolio Advice - New Boglehead Leaving Edward Jones

We're ensuring we are comfortable with our investment choices and figuring out distributions knowing that my 401(k) will take a bump when I move my traditional IRA into it before we initiate the process with EJ. So before I can provide more of an update, I have another question for you. My company o...
by bogleherik
Fri Aug 30, 2013 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - New Boglehead Leaving Edward Jones
Replies: 23
Views: 3185

Re: Portfolio Advice - New Boglehead Leaving Edward Jones

I confirmed with Vanguard that I can roll my Edward Jones Traditional IRA to my Vanguard 401k through the use of a temporary Conduit IRA. This is possible because my Traditional IRA is purely a convert from my SIMPLE IRA with no additional contributions... from what I understand. Also, are there any...
by bogleherik
Thu Aug 29, 2013 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - New Boglehead Leaving Edward Jones
Replies: 23
Views: 3185

Re: Portfolio Advice - New Boglehead Leaving Edward Jones

His 401k at Vanguard - 7% 7% Vanguard Total Bond Market Index Fund Institutional Shares (VBTIX) (.07%) His Roth IRA - 40% 32% Total International Stock Market (40% of 80% = 32%) 8% Total US Stock Market Her Roth IRA - 31% 31% Total US Stock Market His Traditional IRA - 22% 13% Total Bond Market 9% ...
by bogleherik
Thu Aug 29, 2013 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - New Boglehead Leaving Edward Jones
Replies: 23
Views: 3185

Re: Portfolio Advice - New Boglehead Leaving Edward Jones

you listed yourselves as married filing separately in the 33% bracket. i don't see how you could make direct roth contributions. did you mean married filing jointly, or is something else going on with your tax situation? i'm not an expert in this area so apologies if i'm missing something. Thank yo...
by bogleherik
Thu Aug 29, 2013 9:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - New Boglehead Leaving Edward Jones
Replies: 23
Views: 3185

Portfolio Advice - New Boglehead Leaving Edward Jones

Our goal is to invest smarter and more aggressively once we are confident we're on the right track, which leads me to why I am posting here asking for your advice. We started investing immediately out of college into Roth IRAs with Edward Jones. A company SIMPLE IRA managed through this same Edward ...
by bogleherik
Wed Aug 28, 2013 11:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - New Boglehead Leaving Edward Jones
Replies: 23
Views: 3185

Re: Separate HSAs, transfer within same family?

Now that we are covered by a family HDHP, do we have the choice of which HSA or HSAs to deposit the HSA funds She's also covered by HDHP. She can deposit to hers up to the family maximum using her own money, not out of your paycheck. Gotchya. We could invest into both, it's just that we'd end up pu...
by bogleherik
Wed May 08, 2013 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Separate HSAs, transfer within same family?
Replies: 4
Views: 324

Re: Separate HSAs, transfer within same family?

An HSA is like an IRA in that it is an individual account and so different individuals' accounts cannot be blended. You cannot transfer funds from your HSA to your spouse's HSA as a tax-free rollover. You may be contributing to your HSA under the higher limits due to family coverage of your High De...
by bogleherik
Tue May 07, 2013 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Separate HSAs, transfer within same family?
Replies: 4
Views: 324

Separate HSAs, transfer within same family?

I won't bore you with the back story, but my wife and I have two separate HSAs and at various times were under our own Single HDHPs. Within the past year and a half, we've been under a Family HDHP and contributing all of our HSA contribution to my HSA. I'm thinking of investing some HSA funds rather...
by bogleherik
Mon May 06, 2013 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Separate HSAs, transfer within same family?
Replies: 4
Views: 324

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