Search found 23 matches

by lynneny
Sun May 10, 2015 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: are we moving to awful 401(k)?
Replies: 5
Views: 801

Re: are we moving to awful 401(k)?

OP here. Thank you for all your insights into the 401(k) experience! I guess I should be glad our new plan has some inexpensive options, and that as a longtime employee the new $100/yr fee is a relatively small part of my sizeable balance (although I feel badly that young colleagues, with still tiny...
by lynneny
Sun May 10, 2015 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: are we moving to awful 401(k)?
Replies: 5
Views: 801

are we moving to awful 401(k)?

Our company is moving our 401(k) plan to Principal Financial Group. Do any Bogleheads have experience with Principal as their 401(k) provider, and if so, what do you think of it? From the info our company has provided about the new plan, I already have a few concerns: 1. Each employee at our 1,000-p...
by lynneny
Mon Feb 09, 2015 11:06 pm
Forum: Investing - Theory, News & General
Topic: My co. is switching HSA providers; Is HSA Bank best?
Replies: 16
Views: 1469

Re: My co. is switching HSA providers; Is HSA Bank best?

OP again. A new twist: Our HR head said today that instead of going with HSA Bank, our company will use our healthcare provider Aetna's own HSA account manager business PayFlex. She said there will be "investment opportunities" but doesn't know yet what they are (she politely didn't add &q...
by lynneny
Sun Feb 08, 2015 5:27 pm
Forum: Investing - Theory, News & General
Topic: My co. is switching HSA providers; Is HSA Bank best?
Replies: 16
Views: 1469

Re: My co. is switching HSA providers; Is HSA Bank best?

Thanks for the helpful responses! Livesoft -- you're absolutely right, most of my colleagues won't care about the investment options (although I've tried to explain them! Or at least make people aware that the option exists, since our company makes no effort to point it out). Perhaps selfish of me t...
by lynneny
Sun Feb 08, 2015 1:48 am
Forum: Investing - Theory, News & General
Topic: My co. is switching HSA providers; Is HSA Bank best?
Replies: 16
Views: 1469

My co. is switching HSA providers; Is HSA Bank best?

The company I work at uses JP Morgan Chase as its HSA provider, but Chase is exiting that business and selling its HSA unit to HSA Bank. Our HR person mentioned this to me because I complained about Chase's poor HSA investment options--9 mediocre but pricey actively-managed funds. I've read the Bogl...
by lynneny
Sun Jan 18, 2015 11:30 pm
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 2763

Re: Options for moving our pets across country

For OP, I like the idea of having your family member or trusted college student fly out with the cat later. Every cat is different, but in our experience a shorter trip, even by plane, is less stressful than days of travel. We've done international moves between U.S. and Europe with two cats. They b...
by lynneny
Sat Jan 10, 2015 8:56 pm
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 5472

Re: cat water fountain

My cats won't drink from their water dish either, and they ignore the cat fountain I bought them. But for some unknown reason they like drinking from the flower vase in the living room, so I just add fresh water to that every day (and no longer put flowers in it). They'll also drink water from a run...
by lynneny
Sat Oct 11, 2014 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Support that HSAs might not be the best option for you
Replies: 38
Views: 3821

Re: Support that HSAs might not be the best option for you

Whether to choose an HDDP plan is becoming a moot point for many of us as our employers drop the other options. My company went from offering two PPO plans to adding the HDDP as a third option. After several years, some of us had switched (in my case, because I was attracted by the HSA) but not a lo...
by lynneny
Thu Sep 18, 2014 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Are we making a huge [career] mistake?
Replies: 46
Views: 7284

Re: Help! Are we making a huge mistake?

A contrarian view: It sounds like you'll be well off financially no matter what you do, so unless your family is really homesick, if it were me I'd go for the more exciting opportunity to live in another foreign country. I'm back in the U.S., and it's fine, but the six countries outside the U.S. tha...
by lynneny
Thu Sep 18, 2014 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Preparation Cost
Replies: 19
Views: 1192

Re: Tax Preparation Cost

For my 2013 taxes: $245. Not wasting time procrastinating for months before finally doing my taxes at the last minute: priceless.

I have a fairly simple federal/state/local return for a single person who itemizes, has a mortgage, and some interest/dividend income.
by lynneny
Sun Sep 14, 2014 10:04 pm
Forum: Personal Consumer Issues
Topic: On the Road/Air/Water Retirement
Replies: 57
Views: 5905

Re: On the Road/Air/Water Retirement

Barefootgirl- The American woman mentioned by an earlier poster who became a nomad after retirement, living in different countries for 3 to 6 months at a time with her husband, is Lynne Martin. She wrote about it in the Wall Street Journal: http://online.wsj.com/news/articles/SB100008723963904437202...
by lynneny
Mon Sep 01, 2014 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Advice on job opportunity abroad: taxes, cost of living, etc
Replies: 13
Views: 1670

Re: Advice on job opportunity abroad: taxes, cost of living,

Go for it! As others have said, Mexico's cost of living is lower, so the financial hit won't be huge, and now is the ideal time, before you have other commitments like a family, mortgage, etc. Also, at a growing number of big U.S. and other multinational companies, executives eventually hit a glass ...
by lynneny
Mon Sep 01, 2014 12:07 am
Forum: Personal Finance (Not Investing)
Topic: Will Vanguard fire me if I retire overseas? (Schwab better?)
Replies: 14
Views: 2421

Re: Will Vanguard fire me if I retire overseas? (Schwab bett

OP here. Many thanks for all the helpful responses, especially from those living in exotic places overseas! --Sounds like I'll be ok with Vanguard, since after I retire I'll just want to reinvest dividends and periodically sell investments, and Vanguard rep said that's fine to do from overseas as lo...
by lynneny
Fri Aug 29, 2014 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Will Vanguard fire me if I retire overseas? (Schwab better?)
Replies: 14
Views: 2421

Will Vanguard fire me if I retire overseas? (Schwab better?)

I'm 58, and a lot more likely to be laid off in next couple years in corporate America than to be able to work till 66 or so and save as much as I'd like to. If I'm pushed into early retirement, I plan to retire to warmer, more affordable Latin America, where I was based earlier in my career and am ...
by lynneny
Fri Mar 21, 2014 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Alert. Scam with callers posing as IRS agents...
Replies: 29
Views: 2688

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
Sun Mar 16, 2014 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone purchased an inflation adjusted SPIA?
Replies: 24
Views: 2630

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
Wed Feb 19, 2014 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: Experiences with Eli Lilly Credit Union for HSA?
Replies: 69
Views: 17545

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
Sun Feb 09, 2014 1:34 am
Forum: Personal Finance (Not Investing)
Topic: Your mortgage type, if any [POLL]
Replies: 63
Views: 4024

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
Wed Jan 01, 2014 11:49 pm
Forum: Investing - Theory, News & General
Topic: Fidelity HSA- $48/year
Replies: 15
Views: 1598

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
Wed Dec 25, 2013 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: High Deductible Health Plan question
Replies: 35
Views: 2105

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
Fri Dec 21, 2012 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for 2013 Roth Contribution? Help!
Replies: 1
Views: 366

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
Sun Apr 15, 2012 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: OK to use Schwab ETFS (in 401K) as stand-ins for VG funds?
Replies: 12
Views: 3343

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? ...

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