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Re: My HSA just got a lot better!

Optum health bank just added three more Vanguard funds... mid cap index, small cap index, and equity income. Also new is the PIMCO commodity derivatives fund. Here is the complete list of available funds. I just wish they had an international index. American Funds Capital World* CWGFX World Stock-La...
by brisni
Tue Nov 11, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: My HSA just got a lot better!
Replies: 20
Views: 3969

Re: Should I keep my HSA?

Who is the adminstrator? I would transfer it into another administrator with better terms.
by brisni
Tue Sep 09, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I keep my HSA?
Replies: 11
Views: 873

Re: My Vanguard Financial Plan...additional bond funds

The muni exchange is probably only for the purpose of harvesting a loss. Otherwise, makes no sense.
I wouldn't bother unless it's a very significant amount.
by brisni
Tue Apr 08, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: My Vanguard Financial Plan...additional bond funds
Replies: 19
Views: 2194

Re: TLH pair for Ltd Term Tax Exempt fund

You could do a combination of short and intermediate TE, so average duration is about the same.
by brisni
Tue Jun 25, 2013 9:48 am
 
Forum: Investing - Help with Personal Investments
Topic: TLH pair for Ltd Term Tax Exempt fund
Replies: 4
Views: 230

Re: Dave Ramsey Defends His Investment Advice

Many people cannot grasp the concept of comparing a fund only to its appropriate benchmark. To them, if it beat the S&P 500 over the past X years, it's good enough, nevermind the volitility during that time. Ironically, the extended market -- ie. everything BUT the S&P 500 --- has also kille...
by brisni
Wed Mar 13, 2013 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Defends His Investment Advice
Replies: 120
Views: 12027

Re: bond alternatives in a taxable account

If you are concerned about volitility, why not a 2 or 3 year CD? Yes, you will pay income taxes, but if you shop around you can get an interest rate to compensate. Check out http://www.depositaccounts.com for best rates. Another idea: if you currently have a mortgage you can prepay principal. - Brian
by brisni
Tue Jan 29, 2013 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: bond alternatives in a taxable account
Replies: 7
Views: 1224

Re: My HSA just got a lot better!

Thanks for the heads up. My employer also uses OptumHealthBank. I just checked, and yes the 3 vanguard funds are there. You would think they would announce ahead of time. Anyway, I went ahead and changed my allocations to take advantage.

- Brian
by brisni
Tue Jan 29, 2013 11:41 am
 
Forum: Investing - Theory, News & General
Topic: My HSA just got a lot better!
Replies: 20
Views: 3969

Re: Which 529 plan?

For my older kids, I have been using Vanguard NV. However, for my newborn last year, I decided to go with Fidelity's UNIQUE.
It has index funds with ER down to 0.25%. You can also get their American Express card which has 2% rebate going into the 529.

- Brian
by brisni
Mon Jan 28, 2013 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which 529 plan?
Replies: 22
Views: 2304

Re: Tax-managed funds are now more attractive

I've wondered why they even have the TM growth and income fund.

I would rather see two funds: TM growth (low dividends) and TM income (high dividends)

- Brian
by brisni
Mon Jan 14, 2013 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: Tax-managed funds are now more attractive
Replies: 18
Views: 4471

Re: Recent Retiree - Target Retirement Income or Wellesley F

I helped my retired mother invest an inheritance a few months ago, and after some analysis came to the conclusion of going 50/50 between TR Income and Wellesley. As much as I love index funds, it is hard to argue against the track record of Wellesely. This was for a taxable account. The dividends go...
by brisni
Fri Dec 28, 2012 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recent Retiree - Target Retirement Income or Wellesley Fund?
Replies: 31
Views: 4224

Re: Austin, TX

I've lived in Austin 20 years and can't imagine living anywhere else. NW Austin is a great area for tech jobs and raising a family. Yes, it is hot in summer, but not too bad in mornings and evenings. Winters are wonderful. Yes, traffic is stop-and-go on all highways during rush hour. Fortunately, I ...
by brisni
Fri Dec 14, 2012 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Austin, TX
Replies: 24
Views: 2286

Re: What kind of car are you driving?

1997 Honda Prelude with about 140k miles. I just went through a bunch of minor repairs, and hoping it lasts a few more years.
by brisni
Wed Nov 28, 2012 4:54 pm
 
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 278
Views: 21639

Re: rule of thumb for 529 AA akin to 'age in bonds'?

If you know your 'end point', for instance 100% bonds by age 18, you can just gradually slide every year toward that point. For instance, you could be 100% stocks until age 8, then shift 10% toward bond side when rebalancing every year for 10 years. Another example is Vanguard's Nevada plan 'age-bas...
by brisni
Wed Nov 28, 2012 4:47 pm
 
Forum: Investing - Theory, News & General
Topic: rule of thumb for 529 AA akin to 'age in bonds'?
Replies: 34
Views: 2304

Re: Who is your favorite classical composer?

Beethoven. The symphonies are one thing, but also listen to range of emotion in the last few piano sonatas (29 through 32).
The second movement of sonata 32 (opus 111) is one of my favorites. He basically invented ragtime.
by brisni
Wed Dec 21, 2011 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Who is your favorite classical composer?
Replies: 85
Views: 3785

Re: Costco Carpet

We just got carpet and wood flooring through the vendor using a kiosk at Costco in Austin. They were running a special, plus there was a significant rebate in the form of Costco gift cards. I don't know the numbers, but my wife checked around and it looked like the best overall deal in the area. The...
by brisni
Mon Dec 19, 2011 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Costco Carpet
Replies: 12
Views: 3338

Re: Do you eat eggs?

For last couple years, my diet has included lots of eggs, red meat, nuts, coconut oil, butter, all bad foods according
to mainstream medical. Regardless, my cholesterol profile is excellent and I have no health problems (44 y.o.)
by brisni
Tue Dec 13, 2011 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Do you eat eggs?
Replies: 68
Views: 4196

Re: Should I avoid I-bonds?

As said, they have the best yield around, but that's not saying much these days.
It can be fun to collect paper ones like baseball cards but those are going away (mostly).
Electronic ones may not be worth the trouble for you at only 5k per year.
by brisni
Wed Nov 16, 2011 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I avoid I-bonds?
Replies: 18
Views: 3667

Re: Why not Munis in taxable vs TB in IRA?

TBM yield has gone down as treasury yield has gone down. Muni yield has not gone down as much,
but there is more risk than treasuries. Corporate bonds, of course, have greatest yield and risk.
I'm no expert, but it does look like municipals are in the sweet spot at the moment.

- Brian
by brisni
Tue Nov 15, 2011 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not Munis in taxable vs TB in IRA?
Replies: 16
Views: 1080

Re: Beatles or Rolling Stones

Last month, I took my 14 year old son to the Beatles tribute band "Rain". There were quite a few other young folks in the crowd and they all were enjoying it. Rain was great and the songs sounded close to album versions. My favorite 60's rock groups 1. Beatles 2. Led Zeppelin 3. Cream / Cl...
by brisni
Sat Nov 12, 2011 12:33 pm
 
Forum: Personal Consumer Issues
Topic: Beatles or Rolling Stones
Replies: 70
Views: 3234

Re: Beatles or Rolling Stones

The Beatles rule. Their collective creativity from start to finish was amazing. I bet that 200 years from now,
people will still listen to those songs occasionally. Not quite as extraordinary as Bach, Mozart, or Beethoven, but
pretty close.

- Brian
by brisni
Thu Nov 10, 2011 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Beatles or Rolling Stones
Replies: 70
Views: 3234

Re: Ideas for conservative income portfolio

Thanks again for the input. Now I know much more about annuities, and started playing with the Income Solutions. I usually shy away from insurance products but there may be some benefit in this case. I will research some more, and order the "Bogleheads Guide to Retirement" (I only own the ...
by brisni
Fri Oct 28, 2011 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ideas for conservative income portfolio
Replies: 13
Views: 1009

Re: Ideas for conservative income portfolio

Regarding municipals, the inherited account currently has some individual bonds, municipal bond funds, and a UIT that all have some capital gain since the death of her mother. Except for the fund with high ER, I was going to just leave the rest alone for a while. Seems like they would give diversifi...
by brisni
Fri Oct 28, 2011 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ideas for conservative income portfolio
Replies: 13
Views: 1009

Re: Ideas for conservative income portfolio

Thanks for the responses. I had originally intended 20% stocks (which is also LS Income's allocation) but reconsidered after I realized how risk-adverse she is. Would a compromise at 10% be adequate for the 3.5% return? Also, her IRA is invested in Wellesley Income (some stock exposure there) and th...
by brisni
Fri Oct 28, 2011 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ideas for conservative income portfolio
Replies: 13
Views: 1009

Ideas for conservative income portfolio

My mother received an inheritance of about $400k, and I'm helping her use it to establish an income stream. She is 65 and will be retiring next year. She will have a state pension and SS. She is very risk adverse, but needs the additional income of about $14k/year (increasing with inflation) for the...
by brisni
Fri Oct 28, 2011 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ideas for conservative income portfolio
Replies: 13
Views: 1009

Re: Advice for a 22 year old engineer

I agree with above. Take time to educate yourself now. So many people make mistakes in their twenties and it is harder to recover later. Resist temptation to buy individual stocks. You do not need a brokerage account. For the Roth, a target or life strategy fund would be great (when you can meet the...
by brisni
Wed Oct 26, 2011 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for a 22 year old engineer
Replies: 47
Views: 5841

EmergDoc and brisni and others who do/have done CrossFit, do you see strength and efficiency gains, maybe with a little size? I want to have generalizable, broad peak fitness.My hiking is 15-20 miles per day and I go solo on snow/ice, so I want my fitness to be an absolute given, so I can concentra...
by brisni
Wed Oct 12, 2011 1:51 pm
 
Forum: Personal Consumer Issues
Topic: crossfit
Replies: 49
Views: 4671

I do crossfit 3 times a week, and I cherish the moments when I can yell "TIME" and collapse into a puddle of sweat for a few minutes! It is amazing how an exercise as short as 5 or 10 minutes can totally wipe you out.
by brisni
Wed Oct 12, 2011 9:52 am
 
Forum: Personal Consumer Issues
Topic: crossfit
Replies: 49
Views: 4671

Is there a high-quality crossfit affiliate in your area? They should be able to give you the coaching and nutrition advice to meet your goal.
by brisni
Tue Oct 11, 2011 1:34 pm
 
Forum: Personal Consumer Issues
Topic: crossfit
Replies: 49
Views: 4671

Omega-3 is one of the few supplements I take. The others are pro-biotic and magnesium. The argument is that even with a healthy diet these things are much lower than they would naturally be. I usually take fish oil pills to get 3000mg of EPA+DHA per day. My cholesterol profile is excellent. There is...
by brisni
Fri Sep 02, 2011 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Do you take a fish oil/omega 3 supplement?
Replies: 191
Views: 16451

I thought about this recently, and I wonder that there two ways to balance stocks and bonds. The Wellesley method, which is more traditional, emphasizes dividend yield, while another approach is to balance growth. Maybe this has been articulated better in other posts, but in a nutshell.... High yiel...
by brisni
Tue Jul 12, 2011 11:09 am
 
Forum: Investing - Theory, News & General
Topic: High Fliers, covering the bulls and Wellesley
Replies: 11
Views: 2901

With a new brokeragelink account coming to my 401(k), I am looking at the spartan index funds. Did Fidelity raise the ER to 0.31% on their bond index? Or is it still 0.22%? How would 0.22% after reductions become 0.31%? Expense Ratio: as of 02/01/2011 0.22% Expense Ratio after Reductions: as of 02/...
by brisni
Thu Jul 07, 2011 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: Did Fidelity reduce US Bond Index (FBIDX) expenses?
Replies: 24
Views: 3177

I had not heard of Fidelity UFund, but at a glance it seems pretty reasonable. It even has age-based portfolios using only index funds. Are you looking to move out of UFund, or just wanting to choose an allocation available within it? For instance, you could go with the "Index Portfolio 2015&qu...
by brisni
Fri Jul 01, 2011 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: College savings advise needed
Replies: 15
Views: 1305

Colorado13, I have been doing crossfit at a high-quality gym for a year, and only have positive things to say about it. The coaches have the experience to teach correctly, and only allow you to do as much as you can do correctly to prevent injury. All exercises can be scaled according to ability. Th...
by brisni
Mon Jun 27, 2011 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Gym Rats
Replies: 27
Views: 2872

Like you, I like to have REIT's, TIP's, and as much taxable bonds as possible in tax-advantaged accounts, then overflow with muni's in taxable account. I actually do keep some stocks in the 401k for rebalance purposes. One thought is that you might lower your % bonds (increase % stocks) but go short...
by brisni
Thu Jun 23, 2011 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not enough tax advantaged space
Replies: 11
Views: 1303

Any savings account is not likely to keep up with inflation unless you continually add to it to do so. Check out www.depositaccounts.com for best rates and other advice.

- Brian
by brisni
Fri Jun 10, 2011 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inflation is killing part of my Emergency fund
Replies: 18
Views: 2076

I feel a bit the same way, and it is interesting how fear is out of proportion to real effect. If bond funds lost 10% in a year, it would be called a massacre and most people would be upset. However, that's not unusual loss at all for a stock fund. Maybe we expect bond funds to just plug along like ...
by brisni
Fri Jun 10, 2011 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond anxiety
Replies: 39
Views: 3828

I've been foam rolling for years and can't live without it now. Ideally, I do a quick once-over before a workout, and then again more rigorously later in the evening. Initially you will feel muscle pain (not numbness) on trigger points but this should get better as you keep doing it every day or so ...
by brisni
Thu Jun 02, 2011 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Using a foam roller
Replies: 11
Views: 1661

I was curious since the question was raised, so I checked on the current value of a $1000 I bond bought in May 2001 vs. the ten year return of TBM (disregarding taxes). I-bond (May 2001 -> May 2011) $1000 -> $1727 TBM (May 2001 -> May 2011) $1000 -> $1710 I realize the comparison is nearly meaningle...
by brisni
Wed Jun 01, 2011 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bonds Not worth it for me?
Replies: 49
Views: 6915

I consider I bonds appropriate for an emergency fund or intermediate-term-goal fund where you don't want to lose principal. I don't even include them when analyzing my long-term portfolio. Compare them to money-markets and CD's. Right now, they simply have the best yield so I took the plunge and bou...
by brisni
Wed Jun 01, 2011 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bonds Not worth it for me?
Replies: 49
Views: 6915

I recommend joining a crossfit affiliate even if the cost seems high at first. The coaching and nutritional information will be worth it. They encourage paleo diet and it really works in my experience.

- Brian
by brisni
Wed May 25, 2011 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Workout plateau -- looking to make changes in diet
Replies: 91
Views: 6800

Rates are low everywhere, and currently the best you can do with an online saving account is little more than 1%. You will pay tax on that but at least it is better than Vanguards MM funds. Check out www.depositaccounts.com

- Brian
by brisni
Tue Apr 05, 2011 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax-exempt money market a losing place for emergency fund?
Replies: 5
Views: 876

I wonder what changes he is making given his very negative outlook recently...
http://www.pimco.com/Pages/OffWithOurHeads.aspx
by brisni
Fri Jan 07, 2011 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Pimco Total Return Bond
Replies: 20
Views: 2837

I've been using CapitalOne's online savings accounts (and CD's and checking account) for several years and have had no problems. I opened a costco version over a year ago to take advantage of slightly higher interest. As with all MM, the rate has been trickling downward but is always among the highe...
by brisni
Fri Jan 07, 2011 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Better Online Savings - Costco Cap1 or AmEx
Replies: 22
Views: 7020

Marathon training suits the diehard mentality. We know how to plan, prepare, set long-term goals, deal with setbacks, "stay the course", etc. I've run four marathons, but only one faster than 4 hours. Usually I have some minor injury that keeps me from doing as well as I want on the big da...
by brisni
Wed Jan 05, 2011 11:08 am
 
Forum: Personal Consumer Issues
Topic: how many of you are distance runners?
Replies: 75
Views: 6704

I will try to come also, but may be a little late due to my daughter's volleyball game.

Brian S.
by brisni
Sat Oct 30, 2010 10:29 am
 
Forum: Local Chapters and Bogleheads Community
Topic: AUSTIN Chapter Meeting - Saturday October 30 (Was:Oct 23)
Replies: 35
Views: 6076

I have been doing Crossfit in Austin and loosely following paleo/zone diet for almost 5 months and feel great. Although my weight has not changed much, my %muscle is up and %fat is down. I used to just do long runs and gym workouts on my own but am responding better to these challenging, high-intens...
by brisni
Wed Oct 20, 2010 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Fitness - what works for you?
Replies: 231
Views: 34503

I just converted 5 funds. That was fun!
by brisni
Wed Oct 06, 2010 9:48 am
 
Forum: Investing - Theory, News & General
Topic: Lower Minimum on Admiral Shares
Replies: 110
Views: 13120

Thanks to all for the great information. On further inspection, my liability policy only applies to "other person's property" does not have a specific clause regarding collision of two covered vehicles, so unfortunately it does not apply in this case. My impression is that this clause used...
by brisni
Tue Oct 05, 2010 10:13 am
 
Forum: Personal Consumer Issues
Topic: Auto insurance question
Replies: 6
Views: 1654

Auto insurance question

My wife accidentally backed her truck into my car which was parked behind. There is very slight damage to the truck, and moderate damage to the car. Both vehicles are covered by comprehensive/collision with $1000 deductible. I was hoping that my car could be fixed with no deductible because it would...
by brisni
Mon Oct 04, 2010 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Auto insurance question
Replies: 6
Views: 1654

I think the main difference is the FTSE index includes Canada. It is also slightly higher ER (0.4 vs 0.32).

- Brian
by brisni
Wed Aug 25, 2010 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Index Fund Question
Replies: 10
Views: 1911
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