Search found 185 matches

by 92irish
Wed May 02, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 13688

Re: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]

Now I am glad I procrastinated and did not do anything about my "over" contribution of $6,900.

Good grief.
by 92irish
Wed Apr 18, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: Short-Term Investment Options for a Rising-Rate, Volatile-Market Environment
Replies: 4
Views: 518

Re: Short-Term Investment Options for a Rising-Rate, Volatile-Market Environment

This is interesting coming from Charles Schwab. Here is a snippet from a Wall Street Journal Article in 2013 by Tom Lauricella about the Schwab Ultra Short Fund. "The Schwab YieldPlus mutual fund lost 35% during the financial crisis in 2008, resulting in the company agreeing to pay a $119 million fi...
by 92irish
Mon Mar 12, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard Global ex-US Real Estate Fund - Fees
Replies: 4
Views: 652

Re: Vanguard Global ex-US Real Estate Fund - Fees

Vanguard may also believe that this asset close is prone to hot money coming in and out, coupled with more difficult securities to buy/sell (foreign securities on foreign markets). They might keep this fee indefinitely. I've owned the admiral class shares for several years and the purchase/redemptio...
by 92irish
Fri Mar 09, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 13688

Re: HSA family max contribution lowered to $6850 for 2018

What a pain! - I've already contributed my full $6,900.

Any further comments by me would violate multiple forum policies, including but not limited to, 1) obscenity, 2) all capital letters, 3) politics, and 4) non-actionable content. :x
by 92irish
Tue Feb 20, 2018 3:42 pm
Forum: Investing - Theory, News & General
Topic: why Vanguard short-term bond instead of CD
Replies: 31
Views: 3725

Re: why Vanguard short-term bond instead of CD

You are not misunderstanding anything. CDs can be better on a risk/return basis than a bond fund, but you are giving up liquidity with a CD. A CD is fixed in time and you can not access the money (or at least not until you break the contract and pay the respective panelty). A Bond fund is traded an...
by 92irish
Tue Feb 20, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: why Vanguard short-term bond instead of CD
Replies: 31
Views: 3725

Re: why Vanguard short-term bond instead of CD

You are not misunderstanding anything. CDs can be better on a risk/return basis than a bond fund, but you are giving up liquidity with a CD. If you know you will not need to tap into the CD because it is a long term hold in a retirement account, the CD can offer slightly better risk/return. CDs do a...
by 92irish
Tue Feb 13, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Obligation to use car insurance proceeds?
Replies: 22
Views: 1697

Re: Obligation to use car insurance proceeds?

Interesting thread - as I am in a similar situation where I recently had some bumper damage that was not my fault. I sent the insurance company an estimate from an autobody shop and then they sent me a joint check (payable to me and to the auto body shop where I got the estimate). I called the insur...
by 92irish
Tue Feb 13, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 190
Views: 35198

Re: What's your U.S. : International ratio?

I'm 50/50. I wish Vanguard would offer an Admiral share version of the Total World Stock Index fund - that would make my life easier. I'd prefer not to use the total world stock index ETF (VT), so I must split between the admiral total US stock market and admiral total intl' market index keep the ex...
by 92irish
Tue Feb 13, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 3977

Re: Home buying: how to send postcards to neighborhood we want to live in?

This thread is making me remember something that happened to me - you are not supposed to put anything in someone else's mailbox. I was helping a friend distribute a flier for her business and she was putting them in mailboxes. A postman saw her and read her the riot act for violating federal law. H...
by 92irish
Wed Jan 31, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Best HSA for buy-&-hold?
Replies: 19
Views: 2503

Re: Best HSA for buy-&-hold?

Another new (and happy) Lively customer here. I really like their website, but best of all low cost for a buy & hold person with a linked TD Ameritrade account. I switched from HSA Bank and process was easy (and quick). I only had a few dollars in HSA Bank ($22 bucks to be exact) with everything at ...
by 92irish
Thu Jan 25, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: High Yield Savings Account Recommendations?
Replies: 48
Views: 4258

Re: High Yield Savings Account Recommendations?

If you travel abroad - Ally Bank has excellent overseas Debit & ATM withdrawal fees. They are at 1% whereas many banks charge $5 per withdrawl plus 3% on top of that. Something to consider. I keep Ally just for that.
by 92irish
Tue Jan 23, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to give up on bond fund, Lost 2.25% past 6 months
Replies: 85
Views: 11257

Re: Ready to give up on bond fund, Lost 2.25% past 6 months

"Half the time I wonder why I have so much in bonds, and the other half why so much in stocks" -John Bogle I've always liked this Bogle quote and is so true. Although, of late it seems like I wonder 90% of the time I have so much in bonds and only 10% why I have so much in stocks. But that will cha...
by 92irish
Wed Jan 17, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest my HSA - Lively
Replies: 30
Views: 4407

Re: How to Invest my HSA - Lively

Had the exact experience at TropikThunder. Quick and easy transfer of TD Ameritrade account from HSA Bank and now to Lively. It always bugged me that HSA Bank would not let you pay their fee outside of your HSA account, which Lively does. I'm happy camper so far.
by 92irish
Fri Dec 29, 2017 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds - Index vs Actively Managed
Replies: 18
Views: 1877

Re: Bonds - Index vs Actively Managed

Cost is a huge issue for bond funds with interest rates so low - keep any active bond fund expense ratio below .50%. Also don't be deceived by strong numbers of some active bond funds of late, because if you look under the hood there is a lot of risk (junk bonds, EM bonds) pumping those relative ret...
by 92irish
Tue Nov 28, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 257
Views: 34226

Re: New HSA provider Lively offers investments for $30/yr fee

dschonauer: Let us know how HSA Bank handles your cash balance - I'm curious. I think they have a $25 account closure fee. I have HSA Bank (for now). I'm considering just having everything in TD Ameritrade and only leaving $25 bucks at HSA Bank, that way they have no excess to return to me and I am ...
by 92irish
Thu Nov 16, 2017 10:56 am
Forum: Investing - Theory, News & General
Topic: The World's Negative Interest Rate Experiment
Replies: 34
Views: 3724

Re: The World's Negative Interest Rate Experiment

Wouldn't investors simply move toward investments with higher yields? Yes, this does appear to be happening to a degree. One interesting aspect is that foreign investors have even been piling into U.S. municipal bonds (chart below) — even though they can't take advantage of the tax benefits and are...
by 92irish
Fri Oct 06, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: Some 'hints' about brokered CDs
Replies: 24
Views: 5638

Re: Some 'hints' about brokered CDs

Another Tip: If you are going to buy a secondary market CD at a premium, you should double check the bank's credit worthiness. As pointed out above, FDIC does not cover the amount you have paid at a premium. Bankrate.com has a "Safe & Sound" rating system that you can plug in the name of the bank an...
by 92irish
Sat Aug 05, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Puts Rivals on Notice: Fee Wars Will Only Heat Up
Replies: 62
Views: 7277

Re: Vanguard Puts Rivals on Notice: Fee Wars Will Only Heat Up

Fidelity and Schwab can offer all the loss leader index funds they want at .05% less than Vanguard - I'm not biting. I'm sticking with Vanguard. A client of mine had a multi-million dollar portfolio of index funds at Fidelity and he died leaving it to his widow. She was not financially adept and Fid...
by 92irish
Mon Jun 19, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Olympic NP and Mt Rainier NP
Replies: 20
Views: 2368

Re: Olympic NP and Mt Rainier NP

In the Olympic NP, the hike to Sol Duc falls is easy for kids. Although the best part is that the hot springs at Sol Duc are really fun for kids. They have some nice pools and an old school national park lodge. I'd put that on my list for the Olympic National Park.
by 92irish
Thu Jun 01, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: Fidelity's index fund manager: Geode Capital Management
Replies: 9
Views: 2038

Re: Fidelity's index fund manager: Geode Capital Management

The separate nature of the manager does not bother me. Some Vanguard funds use non-Vanguard advisory firms (e.g. Wellington Management). I will say that some Geode managed index funds have not always tracked their benchmarks very well (for example, FSGDX - Fidelity Global Ex-US; and FSRVX - Fidelity...
by 92irish
Fri May 05, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 4362

Re: Visiting Paris for 8 days - what to do?

Go see a performance at the Palais Garnier (Paris Opera House). We had box seats for the Paris Opera Ballet. Not only was the ballet fantastic, but we are able to see inside and out the Palais Garnier which is amazing. A great experience all around. You can buy tickets online in advance. A highlight...
by 92irish
Fri Mar 24, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Thinking about adding a 5% position to commodities
Replies: 21
Views: 1979

Re: Thinking about adding a 5% position to commodities

Echoing all the other comments - not a fan of commodity ETFs. They are expensive, volatile, and all kinds weird risks (cantango anyone?).

If you are seeking an asset class that provides inflation protection in a portfolio and diversification, I'd stick with an allocation to TIPS. That's what I do.
by 92irish
Wed Mar 22, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Corporate Bonds - Inherited IRA
Replies: 11
Views: 711

Re: Selling Corporate Bonds - Inherited IRA

You will get hosed if you try to sell small lots of corporate bonds. You can get a quote from the bond desk at Vanguard to confirm, but the spreads will likely be large. Whether you are Voyager or not, the haircut will be significant in my experience. Unless you desperately need the money, I'd wait ...
by 92irish
Wed Mar 22, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: Muni fund reinvest or not
Replies: 11
Views: 1129

Re: Muni fund reinvest or not

If you don't need the income, I'd say reinvest until you do. In the old days it could be complicated to keep track of your basis when you reinvested your dividends, but Vanguard does that for you now.

As your signature line says - K.I.S.S.!
by 92irish
Sun Mar 19, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency fund - in Prime Money Market?
Replies: 7
Views: 1097

Re: Emergency fund - in Prime Money Market?

SEC yield on Prime Money Market is now .8% and has been rising over the past months. Online bank savings accounts seem stuck around the 1.00% range. There really is not much difference now between Vanguard Prime Money Market and the majority of online savings accounts. We'll see in the future, but m...
by 92irish
Thu Feb 23, 2017 4:33 pm
Forum: Investing - Theory, News & General
Topic: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]
Replies: 43
Views: 5969

Re: VTIAX now has 0.11% ER

I also find it odd that VYMI (Vgd International High Dividend ETF + mutual fund shares) had their expense ratio go up. Especially since it is an index fund which to begin with already had a relatively high expense ratio. It is mostly an index with large cap developed country stocks, so I don't know ...
by 92irish
Thu Feb 23, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: IRS share federal tax information with states?
Replies: 7
Views: 1308

Re: IRS share federal tax information with states?

They do. As an example, my friend filed a Schedule C on his 1040 for some consulting income. The Schedule C requests an address and he listed his home in Fairfax County Virginia, although he really did the work in Washington DC and elsewhere (and not out of his home). The county went after him for n...
by 92irish
Tue Feb 21, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Finance question
Replies: 8
Views: 891

Re: Auto Finance question

What?? You can't just say your getting a $65,000 car and not tell us what kind of sweet ride your getting. :sharebeer
by 92irish
Fri Feb 17, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 121
Views: 8397

Re: Vanguard seems to have gone off the grid

My guess is a hack attack where some group launches myriads of spurious spammed log on attempts via botnets This sort of thing happened to my Schwab account a couple years ago - I think they call them DNS attacks. It happened several times over a period of a few weeks. It was quite a news story at ...
by 92irish
Sun Feb 05, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance in coins
Replies: 18
Views: 3399

Re: Inheritance in coins

Sounds like you are just getting started with investing and in my opinion precious metals is not what you should be focused on. If you had a large well diversified portfolio and wanted a small allocation to precious metal then to each his own, but that does not appear to be your circumstance. I woul...
by 92irish
Tue Jan 17, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on a loan to a craft brewer. Cheers!
Replies: 20
Views: 1672

Re: Seeking advice on a loan to a craft brewer. Cheers!

I'd would talk to a lawyer before you made this loan. Security is nice - but who else did they give a security interest to as well? You want to be in first position alone on the newly acquired equipment. Do a UCC search and find out. You will want a well drafted Security Agreement and a UCC1 filing ...
by 92irish
Mon Jan 16, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: If I decide to overpay on mortgage payment
Replies: 45
Views: 5788

Re: If I decide to overpay on mortgage payment

I don't believe you can pay-down interest and even if you could don't know why you would. My mortgage statement only allows me to add additional principal (or add to the escrow account for taxes and insurance). When I pay with online bill pay and I pay more than the amount due, the mortgage servicer...
by 92irish
Tue Jan 10, 2017 4:31 pm
Forum: Investing - Theory, News & General
Topic: Sell strategy for thinly traded closed end fund shares
Replies: 16
Views: 926

Re: Sell strategy for thinly traded closed end fund shares

Obviously - do not use a "market order" whatever you do. In situations like this, I use a "limit order" at a price that I want (after looking at the premium/discount spread of the CEF and trade history). I'd also not use an all or none (AON) limitation. I'd then set the time frame to 60 days good ti...
by 92irish
Mon Jan 09, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Alaska cruise - Help me convince my family
Replies: 60
Views: 5402

Re: Alaska cruise - Help me convince my family

Did the Seattle roundtrip Alaksa cruise this past August on Princess. I did not think it was an overwhelmingly old clientele at all and the entertainment was excellent. We went with a group ranging from 75 down to 13 - everyone had a great time. 1) Highly recommend Princess - modern top-notch ship, ...
by 92irish
Thu Dec 22, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Reliable washer/dryer brands
Replies: 42
Views: 8651

Re: Reliable washer/dryer brands

We recently purchased one of the new "high efficiency" low water usage washers - replacing an old school top loader with agitator. We could not buy one of the old variety and are stuck with these high efficiency ones. I greatly regret our decision and wish we would have just repaired our old school ...
by 92irish
Wed Dec 21, 2016 12:05 pm
Forum: Investing - Theory, News & General
Topic: Should everyone use a backdoor Roth?
Replies: 16
Views: 2889

Re: Should everyone use a backdoor Roth?

I have the SEP-IRA problem too. You could open a new individual 401(k) plan and roll the SEP-IRA into the new individual 401(K) - then it is no longer an IRA subject to the prorata rules. I am thinking about doing this next year.
by 92irish
Wed Dec 07, 2016 1:31 pm
Forum: Personal Consumer Issues
Topic: Car: new or CPO
Replies: 15
Views: 1756

Re: Car: new or CPO

I am going through the same dilemma right now - new or a couple years old CPO. For what it is worth, I am looking at an Audi A3. No doubt you can save some money by going CPO and getting one a couple years old. In my case, I've pretty much decided I am going to go new for unique reasons - 1) the 201...
by 92irish
Wed Oct 26, 2016 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: BND instead of a saving account
Replies: 7
Views: 1570

Re: BND instead of a saving account

I would agree to looking at an online high yield savings account (where you can get around 1%) before taking risk with total bond market index fund (VBMFX). If you nevertheless wanted to get a bit more than 1% and wanted something at Vanguard, I would look at Vanguard Limited Term Tax Exempt Fund (V...
by 92irish
Mon Oct 24, 2016 10:04 am
Forum: Investing - Help with Personal Investments
Topic: What percentage in TIPS?
Replies: 46
Views: 8427

Re: What percentage in TIPS?

I am at about 1/3 of my bond allocation. I was at zero, but early this year I decided to add TIPs to my various accounts. After reading various articles about how the Fed is considering changing the 2% inflation target, moving to a GDP target instead of fixed target, and otherwise running out of amm...
by 92irish
Fri Oct 07, 2016 11:33 am
Forum: Personal Finance (Not Investing)
Topic: ACA renewal - shop around.
Replies: 29
Views: 3523

Re: ACA renewal - shop around.

Count me in as another that just got dropped by my long time insurer (was a bronze HSA plan). :thumbsdown Apparently they are pulling out of offering health insurance in my county (but not other counties in my state) - reading between the lines the claims must have been too high for our county (lowe...
by 92irish
Mon Oct 03, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Older cars by owner on Craigslist - how long to listings stay?
Replies: 14
Views: 1768

Re: Older cars by owner on Craigslist - how long to listings stay?

I've been thinking about a BMW 228i (either new or almost new), curious why your dad is selling it? Problems? It does seem that not many people sell relatively new BMWs private party - they are either leases or get traded in at the dealer unfortunately.
by 92irish
Thu Sep 22, 2016 9:37 am
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 63
Views: 11358

Re: What Percentage To Put In International Stock?

VT (Vanguard Total World Stock Index ETF) - don't have to worry about it. .14% expense ratio. A bit more expense than a U.S. only index or combining U.S. with foreign index, but I like the broad simplicity of this single fund. Dear Vanguard: Why don't you have admiral shares for this fund?? I prefer...
by 92irish
Mon Aug 01, 2016 10:22 am
Forum: Investing - Theory, News & General
Topic: Edelman on Muni's
Replies: 29
Views: 2713

Re: Edelman on Muni's

We may be verging outside of the bounds of the forum, but... Edelman's comments are silly. Why would the government create a crisis and purposefully anger many voters by rescinding the tax-exemption retroactively? Now, they could on a PROSPECTIVE basis decide that new issuances of municipal bonds wi...
by 92irish
Fri Jul 22, 2016 1:11 pm
Forum: Personal Consumer Issues
Topic: Moving to Seattle from DC
Replies: 30
Views: 3238

Re: Moving to Seattle from DC

Coincidentally, I used to live in Vienna and moved to Seattle (but about 10+) years ago. I agree with all the previous comments - especially on the point of no good public transportation into downtown Seattle if that is where your job is. The eastside (Bellevue, Kirkland, even out as far as Issaquah...
by 92irish
Thu Jun 02, 2016 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Hold or sell inherited munis?
Replies: 17
Views: 1621

Re: Hold or sell inherited munis?

If I were you - I would hold. You are in a relatively high tax bracket and you benefit as a California resident by avoiding state income tax. California's finances have improved significantly and GO Bonds are safe based on constitutional protections. If you sell, you will also be subject to pricey c...
by 92irish
Mon May 23, 2016 5:31 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 7629

Re: What was your first investment?

Lindner Dividend Fund in the early 1990s. It was a "gold star" active management fund with years of out-performance, until I bought it. The performance lagged, money fled, the fund company was sold to another fund company that then jacked up the expense ratio, change name and strategy. I finally bai...
by 92irish
Thu May 19, 2016 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity's Total Bond Fund
Replies: 20
Views: 4256

Re: Fidelity's Total Bond Fund

FTBFX is a lot like what I think Vanguard is trying to do with their new Core Bond fund. Basically a broad bond market bond fund with some additional bets not found in the barclays index - i.e., high yield bonds, emerging market bonds, extra dose of corporates. More theoretical risk, but longer term...
by 92irish
Tue May 10, 2016 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Freeriding Warning Notice - Confused.
Replies: 4
Views: 1503

Freeriding Warning Notice - Confused.

I am trying to put in a trade and I am getting a warning from Vanguard that it might be a freeriding violation. I don't think it is, so I am confused by the warning. Here is the account situation: Settled Cash: $17,000 Unsettled Cash (due to me on 5/12 from unrelated situation): $23,000 Total availa...
by 92irish
Mon May 09, 2016 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Fund vs. Total Bond
Replies: 14
Views: 1923

Re: Stable Value Fund vs. Total Bond

Unless you are retiring soon or for some reason need the money in the next year or two, I'd vote Barclay's Agg Bond Index. If your holding period is more than just a few years, you should ride out any volatility and ultimate come out ahead with the higher yield from the Barclay's Agg Bond Index. You...
by 92irish
Wed Apr 20, 2016 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: nice read.."Did Fidelity Cheat [One of] It's Own Clients"
Replies: 13
Views: 2810

Re: nice read.."Did Fidelity Cheat It's Own Clients"

Fidelity is not suitable for this type of investor. I totally agree - Fidelity was totally out of their league. Why this guy was not using a true global heavy weight like Goldman Sachs makes no sense. He obviously bought into the Fidelity sales pitch to attract uber high net worth clients. As finan...