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Re: Alert. Scam with callers posing as IRS agents...

My IRS scammer lost interest when I offered to go to his IRS office with my tax preparer and all my documentation from past tax years. I got the Microsoft "there's something wrong your computer" call too, and promised to pass his message on to our IT department that looks after all my devi...
by lynneny
Sat Mar 22, 2014 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Alert. Scam with callers posing as IRS agents...
Replies: 29
Views: 2185

Re: Has anyone purchased an inflation adjusted SPIA?

I do plan to buy inflation-adjusted SPIAs when I'm older--65 or so (I'm 57 now). I consider it dementia insurance. Alzheimer's is common in my family, and we saw my mother and my grandparents makes some very poor financial decisions in the early stages when they were still managing their own finance...
by lynneny
Sun Mar 16, 2014 8:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Has anyone purchased an inflation adjusted SPIA?
Replies: 24
Views: 2397

Re: Experiences with Eli Lilly Credit Union for HSA?

We have a Chase HSA through my employer with no index funds. I need to keep it so contributions are made pre-FICA taxes, which can only be done as payroll deductions. But thanks to The Finance Buff and threads like this one, I'm going to open a second HSA at ELFCU, and do a rollover once a year into...
by lynneny
Thu Feb 20, 2014 12:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Experiences with Eli Lilly Credit Union for HSA?
Replies: 69
Views: 13791

Re: Your mortgage type, if any [POLL]

I bought my co-op with a 30-yr loan in 2003 at 5.29% through my financial advisor's bank; they were so slow and incompetent I almost lost the apartment. Fast forward 10 years: I did a re-fi into a 15-yr loan at 3.2% last year. My financial advisor asked me to pls try them again, promising that since...
by lynneny
Sun Feb 09, 2014 2:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Your mortgage type, if any [POLL]
Replies: 63
Views: 3644

Re: Fidelity HSA- $48/year

Your new HSA with Fidelity sounds awesome. Our company uses Chase for our HSA. The fees are fine at $2.50/month, but the fund choices aren't good. We only have 9 choices, and all are expensive, actively-managed funds. Not an index fund among them. I've lobbied management to add index funds--pointing...
by lynneny
Thu Jan 02, 2014 12:49 am
 
Forum: Investing - Theory, News & General
Topic: Fidelity HSA- $48/year
Replies: 15
Views: 1435

Re: High Deductible Health Plan question

I'm not the OP, but I have a related question: for the purposes of meeting my high deductible ($1,400), does the insurance company (Aetna in my case) keep track of how much of my deductible I've met by the Explanation of Benefits (EOB) they send me after getting bills from the health care provider? ...
by lynneny
Wed Dec 25, 2013 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Deductible Health Plan question
Replies: 35
Views: 1871

Suggestions for 2013 Roth Contribution? Help!

I usually contribute to my Roth IRA at Vanguard in January ($6,500 for 2013). I generally invest in Vanguard's high-yield bond, REIT (VNQ) or TIPS funds, all funds I want to hold in a tax-sheltered account but that aren't available in my 401(K). All three funds have done so well that they're pretty ...
by lynneny
Fri Dec 21, 2012 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for 2013 Roth Contribution? Help!
Replies: 1
Views: 310

Re: OK to use Schwab ETFS (in 401K) as stand-ins for VG fund

Thanks to everyone who replied for your help!
by lynneny
Mon Apr 16, 2012 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: OK to use Schwab ETFS (in 401K) as stand-ins for VG funds?
Replies: 12
Views: 1010

OK to use Schwab ETFS (in 401K) as stand-ins for VG funds?

First-time poster here! Our company is expanding the Schwab PCRA brokerage window in our 401K to include ETFs (before, we only had access to mutual funds) My question: are Schwab's own ETFs, which don't have a very long track record yet, good enough to use as substitutes for similar Vanguard funds? ...
by lynneny
Mon Apr 16, 2012 12:08 am
 
Forum: Investing - Help with Personal Investments
Topic: OK to use Schwab ETFS (in 401K) as stand-ins for VG funds?
Replies: 12
Views: 1010

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