Search found 3149 matches

by BolderBoy
Tue Sep 19, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 9
Views: 442

Re: Alliant Credit Union no longer offering HSA's as of 11/9

I think I will move on somewhere else and am figuring out where to go. Having read the Morningstar report from June, I'm leaning towards HSA Authority, but am interested in what others here decide. I have two credit unions in my county that offer HSAs (under similar conditions that Alliant "did", t...
by BolderBoy
Mon Sep 18, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 9
Views: 442

Re: Alliant Credit Union no longer offering HSA's as of 11/9

Hmmmm. https://en.wikipedia.org/wiki/HealthEquity So it is a for-profit, publicly traded company. Glug. No wonder it doesn't publish the interest rates it pays on its HSA accounts. Interest Rates Here http://resources.healthequity.com/Documents/Interest_rate_schedule.pdf Thanks. Not impressed. "Fee...
by BolderBoy
Mon Sep 18, 2017 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 9
Views: 442

Re: Alliant Credit Union no longer offering HSA's as of 11/9

Hmmmm.

https://en.wikipedia.org/wiki/HealthEquity

So it is a for-profit, publicly traded company. Glug. No wonder it doesn't publish the interest rates it pays on its HSA accounts.
by BolderBoy
Mon Sep 18, 2017 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 9
Views: 442

Re: Alliant Credit Union no longer offering HSA's as of 11/9

I've been looking at HSA's, and came across this today. Alliant Credit Union is resigning as custodian of all HSA accounts effective November 9th. All accounts will be moved to HealthEquity. http://www.nasdaq.com/press-release/healthequity-to-serve-alliant-credit-union-hsa-members-20170918-00660 We...
by BolderBoy
Mon Sep 18, 2017 9:45 pm
Forum: Investing - Theory, News & General
Topic: Hello and a Question ["The Little Book That (Still) Beats the Market"]
Replies: 10
Views: 892

Re: Hello and a Question ["The Little Book That (Still) Beats the Market"]

The book's premise seems to fly directly in the face of what Mr. Bogle espouses. The formula entails active, periodic buying and selling of individual stock issues. Just curious to get someone else's take on it. Welcome to the forum. I found this today on the msn.com website: http://www.msn.com/en-...
by BolderBoy
Mon Sep 18, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Roth or Traditional IRA for my spouse
Replies: 16
Views: 483

Re: Roth or Traditional IRA for my spouse

wilwoodjoyce wrote:
Mon Sep 18, 2017 2:47 pm
I assume you guys are trying to figure out if my husband receives W2 or 1099, because he can still contribute to SEP-IRA plan if he is a 1099 worker. Is that correct?
Yes, that is exactly what we are trying to discern.
by BolderBoy
Mon Sep 18, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Roth or Traditional IRA for my spouse
Replies: 16
Views: 483

Re: Roth or Traditional IRA for my spouse

No, that's not what I meant. My husband used to be self-employed, and he sold his business recently. Now he found a contractor (more like seasonal job) job with government agency, which means he begins to work for others now. Does this make more sense now? Not at all. Will he be a W2 employee or a ...
by BolderBoy
Mon Sep 18, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: 24F Looking to start an aggressive portfolio
Replies: 17
Views: 634

Re: 24F Looking to start an aggressive portfolio

keys_af wrote:
Mon Sep 18, 2017 8:54 pm
Howdy all,
I am looking to start an aggressive portfolio (new investor).
Do you have retirement accounts available to you?
by BolderBoy
Mon Sep 18, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Finance Protection Bureau- Effectiveness?
Replies: 6
Views: 575

Re: Consumer Finance Protection Bureau- Effectiveness?

I sure hope that the CFPB gets 140+ million complaints in the next few months.
by BolderBoy
Mon Sep 18, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Military: Investing a Windfall in Expensive Market?
Replies: 9
Views: 1120

Re: Military: Investing a Windfall in Expensive Market?

I'm torn because the interest rate on the loan is so low that it doesn't make much sense to pay off, but at the same time the stock market is very expensive now with PE ratios near historic highs. Thoughts? The answer is in the manifesto: "Carrying debt is as appealing as being covered with leeches...
by BolderBoy
Mon Sep 18, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: New Job, First Time Investing, How-To
Replies: 18
Views: 1055

Re: New Job, First Time Investing, How-To

Paid bi-weekly I will experience 8 pay periods this year. Each pay period $550 is deducted an placed in HSA. Won't that put you over the limit for you, this year? Single and under age 55 y/o the max contribution for the year is $3400. You are allowed the full $3400 contribution as long as you remai...
by BolderBoy
Mon Sep 18, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 168
Views: 27456

Re: Wow, Vanguard Flagship service is bad. Really bad. Still bad!

BogleLearner wrote:
Mon Sep 18, 2017 11:32 am
Without getting into minute detail, I had asked to have some details added to a confirmation statement...
Please do get into the minute detail about how you wanted your confirmation statement customized.
by BolderBoy
Mon Sep 18, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Roth or Traditional IRA for my spouse
Replies: 16
Views: 483

Re: Roth or Traditional IRA for my spouse

My husband used to be self-employed... Starting from next month, my husband will start a contract job... BTW, his contract job doesn't offer any retirement investment plan. Unless I'm misunderstanding, your husband's new, contract job makes him self-employed. By "contract job" you mean he will get ...
by BolderBoy
Sun Sep 17, 2017 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: New Job, First Time Investing, How-To
Replies: 18
Views: 1055

Re: New Job, First Time Investing, How-To

Paid bi-weekly I will experience 8 pay periods this year. Each pay period $550 is deducted an placed in HSA. Won't that put you over the limit for you, this year? Single and under age 55 y/o the max contribution for the year is $3400. You are allowed the full $3400 contribution as long as you remai...
by BolderBoy
Sun Sep 17, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Advise on what to do with additional savings
Replies: 17
Views: 1314

Re: Advise on what to do with additional savings

Our household income nets 200k a year (AGI is over 350k), so 100k is 6 months for emergency. We would not be comfortable with a lower amount at this point. Okay, but just to confirm, your necessity expenses are $200k/yr? That is what the emergency fund is for - necessities. You sound fairly savvy a...
by BolderBoy
Sun Sep 17, 2017 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?
Replies: 36
Views: 2607

Re: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?

FIREchief wrote:
Wed Sep 13, 2017 3:38 am
BolderBoy wrote:
Tue Sep 12, 2017 10:56 pm

Instead of joint ownership, just have your name added as a signer on the account(s).
How would this be different than exercising a power of attorney?
It survives her death (if you're a signer, you can still write checks on the account after her death - not so with only POA).
by BolderBoy
Sun Sep 17, 2017 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Deductible
Replies: 4
Views: 474

Re: Auto Insurance Deductible

Good Evening! My wife and I currently have our Collision and Comprehensive deductible set at $500. Looking at our options, the highest amount we can select is $2k. Funding an expense of $2k out of pocket would not be an issue for us. Our vehicles are newer (2013 and 2016) and both valued between $2...
by BolderBoy
Sun Sep 17, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Would like to buy my mom's second residence. advice needed
Replies: 14
Views: 926

Re: Would like to buy my mom's second residence. advice needed

I'm in Virginia. What county are you in? The counties vary WIDELY in how strict they are about filing the TOD deed with some county clerks literally measuring the margins on the paper and precise placement of text. Others are pretty relaxed about it. Henrico is one of the most niggly about such det...
by BolderBoy
Sun Sep 17, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Equifax breach after steps
Replies: 9
Views: 1023

Re: Equifax breach after steps

andyandyandy wrote:
Sun Sep 17, 2017 9:19 pm
Appreciate benefits and drawbacks. Any other points to be added?
Put a freeze at ChexSystems.

I don't think Choice Point exists anymore.
by BolderBoy
Sat Sep 16, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Mother-In-Law dying, Wife wants to buy a Porsche
Replies: 51
Views: 4788

Re: Mother-In-Law dying, Wife wants to buy a Porsche

I stopped reading after your wife said sweet ass Porsche. Anyone who equates happiness with material items will never be happy. In all due respect, I think she would be better served going to counseling. I agree. This scenario screams for a therapist's intervention. It can help enormously and will ...
by BolderBoy
Fri Sep 15, 2017 8:43 pm
Forum: Investing - Theory, News & General
Topic: Distressing news -> Flight to Safety ?
Replies: 75
Views: 6330

Re: Distressing news -> Flight to Safety ?

But what about selling some of that total bond market fund and buying say five year Treasuries. We talk about stocks and bonds when what we mean is stocks and fixed-income, right? In that case wiggling around inside fixed-income would seem okay, as long as you keep your wide, fixed-income diversifi...
by BolderBoy
Fri Sep 15, 2017 5:22 pm
Forum: Investing - Theory, News & General
Topic: Distressing news -> Flight to Safety ?
Replies: 75
Views: 6330

Re: Distressing news -> Flight to Safety ?

But what about selling some of that total bond market fund and buying say five year Treasuries. We talk about stocks and bonds when what we mean is stocks and fixed-income, right? In that case wiggling around inside fixed-income would seem okay, as long as you keep your wide, fixed-income diversifi...
by BolderBoy
Fri Sep 15, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Average American Net Worth is $534,600?
Replies: 15
Views: 2243

Re: Average American Net Worth is $534,600?

The median net worth is usually more useful than mean. If there are a 50 college students in a room, the median and the mean net worth of the people in the room would both be close to $0. Now if Bill Gates were to step into the room to give a graduation speech, the median net worth of the people in...
by BolderBoy
Fri Sep 15, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: New salaries, baby on the way, getting finances in order
Replies: 9
Views: 923

Re: New salaries, baby on the way, getting finances in order

You are way underinsured on life, disability and umbrella. Unless you are spending $30K a year for living expenses and you want to enlist your surviving family into financial deprivation, you need to raise those limits pronto! Recommend $4 million on the higher earner and $3 million on lower earner...
by BolderBoy
Fri Sep 15, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: blood pressure monitor recommendations?
Replies: 32
Views: 1802

Re: blood pressure monitor recommendations?

livesoft wrote:
Fri Sep 15, 2017 9:41 am
OTOH, many people believe a reading is more accurate and precise than it really is or even can be.
This is important for folks to understand. It is trends that are important and NOT isolated BP measurements.
by BolderBoy
Fri Sep 15, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 33
Views: 3193

Re: Retirement - Living in Colorado

MathWizard wrote:
Thu Sep 14, 2017 5:46 pm
In Colorado, I'd probably go for Boulder, which is ranked higher on the list above.
Be advised that Boulder is the most expensive city in the state.
by BolderBoy
Thu Sep 14, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: US stock, non-US stock, or total bond in ROTH?
Replies: 6
Views: 429

Re: US stock, non-US stock, or total bond in ROTH?

For someone with a traditional IRA (~$250,000) and Roth (~$25,000), using a BH 3-fund (TSM, TISM, TBM) with each part of the allocation greater than $25,000, which one should fill up the Roth first? Here's a thought I picked up from reading this forum. Roth IRAs are the last source of income that o...
by BolderBoy
Wed Sep 13, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Changing Username on VG website [Vanguard]
Replies: 9
Views: 984

Re: Changing Username on VG website [Vanguard]

Did you do it on the website? I looked under "user name and password" under security but saw no place where the user name could be changed. First, you call them and tell them you want to change your username for web access. The rep will turn off your current access (basically unregister you). Next,...
by BolderBoy
Wed Sep 13, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Changing Username on VG website [Vanguard]
Replies: 9
Views: 984

Re: Changing Username on VG website [Vanguard]

Well that was a slam-dunk cinch. Mission accomplished and you are right, 12 character limit on the username, but it can be most any jibberish you want but must include two letters and two numbers.
by BolderBoy
Tue Sep 12, 2017 11:25 pm
Forum: Investing - Theory, News & General
Topic: Market timing using Gold-Lumber indicator
Replies: 24
Views: 1997

Re: Market timing using Gold-Lumber indicator

Across the US economy and population, increased spending on admission to professional sporting events is was strongly and inversely correlated with per capita consumption of high-fructose corn syrup. PJW Personally, all my money is in Frozen Concentrated Orange Juice futures. (with apologies to the...
by BolderBoy
Tue Sep 12, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?
Replies: 36
Views: 2607

Re: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?

furwut wrote:
Tue Sep 12, 2017 10:33 am
Re bank accounts:
Is setting up joint accounts with you a possibility?
Instead of joint ownership, just have your name added as a signer on the account(s).
by BolderBoy
Tue Sep 12, 2017 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Thank you bull market!
Replies: 6
Views: 1933

Re: Thank you bull market!

I am, at least, temporarily, a member of the two comma club. Is this like Fidelity Premium Services or Vanguard Admiral Shares where you get to keep your title even if the market takes it away tomorrow? Thanks to my wife's frugality, many examples and pointers from my five years on this board, the ...
by BolderBoy
Tue Sep 12, 2017 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze affects SSA online account
Replies: 22
Views: 2220

Re: Credit Freeze affects SSA online account

beardsworth wrote:
Tue Sep 12, 2017 7:59 pm
cheapedy wrote:
Tue Sep 12, 2017 4:43 pm
I froze my credit with the five agencies over the last few days due to the Equifax breach.
Equifax, Experian, TransUnion, Innovis, and . . . who would be the 5th?
ChexSystems.
by BolderBoy
Tue Sep 12, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Have you opened a 2nd "Inquiry Only" Vanguard account?
Replies: 6
Views: 1353

Re: Have you opened a 2nd "Inquiry Only" Vanguard account?

My buddy tells me that when he uses Quicken to interrogate his VG account that VG only allows R/O access at that level.
by BolderBoy
Mon Sep 11, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: Changing Username on VG website [Vanguard]
Replies: 9
Views: 984

Re: Changing Username on VG website

I would like to change my Vanguard username to something longer than 12 characters. I think they allow 20. And the characters can be jibberish. PJW - your reply was very helpful. I'll call them to do it. In 2014 I tried to do in online (was offered that way at that time). Found a bug in their syste...
by BolderBoy
Mon Sep 11, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3554

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

They could even add something to the return, such as requiring people to list the previous year's refund/payment and/or AGI or some other line on the form. If the info didn't match, any refund would be delayed. That would require ID thieves to gather much more information to be successful. Aren't t...
by BolderBoy
Mon Sep 11, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Changing Username on VG website [Vanguard]
Replies: 9
Views: 984

Changing Username on VG website [Vanguard]

Has anyone done this recently? Has anyone who was still in the old-style, mutual fund website (not the brokerage website) changed your Username? VG says that you must re-register in order to change your Username. Does the act of re-registering automatically switch you to the brokerage-style of web i...
by BolderBoy
Sun Sep 10, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: eBay Best Offer Strategy
Replies: 19
Views: 2092

Re: eBay Best Offer Strategy

My yard sale technique is this.

Offer half (or less) what they are asking. If they come back with a counter then I offer less than my 1/2 (or less) offer. They usually look at me oddly and I turn to leave. Most of them accept my 1/2 (or less) offer immediately.
by BolderBoy
Sun Sep 10, 2017 9:24 am
Forum: Investing - Theory, News & General
Topic: Equal Weighting (1/N) Versus Market Cap Weighting
Replies: 22
Views: 2337

Re: Equal Weighting (1/N) Versus Market Cap Weighting

The link below is to a review of an important paper that found that equally weighting assets, as an asset allocation strategy, compares favorably to much more complicated models. This is the crux, isn't it? The BH philosophy is simplification. Equal weighting is more complex than a basic 3-Fund por...
by BolderBoy
Sun Sep 10, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Preparing To Adjust 401k To Three-Fund Portfolio
Replies: 11
Views: 896

Re: Preparing To Adjust 401k To Three-Fund Portfolio

cherijoh wrote:
Sun Sep 10, 2017 8:39 am
Do you work for a very small company? I would start lobbying for better choices for your plan - there are much better options out there.
Agree with this. Be sure to use the phrase, "fiduciary responsibility", when you talk with them.
by BolderBoy
Sun Sep 10, 2017 9:10 am
Forum: Investing - Help with Personal Investments
Topic: "Today's Change" and "Estimated Income" on Vanguard?
Replies: 10
Views: 929

Re: "Today's Change" and "Estimated Income" on Vanguard?

Secondly, Is there a way to find out my "estimated annual income" to expect from my portfolio composition? You can see the YTD income info if you want. At the bottom of most screens you'll see links to the 'tax center' and another link to 'dividends & capital gains'. You can do the estimate from th...
by BolderBoy
Sat Sep 09, 2017 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing To Adjust 401k To Three-Fund Portfolio
Replies: 11
Views: 896

Re: Preparing To Adjust 401k To Three-Fund Portfolio

Any chance of finding some fund options with MUCH lower expense ratios. Those are pretty horrible.

And I'd bump up your emergency fund size while you are at it: 6-12 months is safer.
by BolderBoy
Sat Sep 09, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 5909

Re: Luxury car: perception vs reality

Recently my friend said " i don't understand how many people can afford to buy luxury cars" I was at a party in the mid-1980s and asked a banker the same question. I worked in healthcare and drove a minimalist auto (paid for, no other debts and a positive net worth) and was wondering if EVERYONE on...
by BolderBoy
Sat Sep 09, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Debt collection advice
Replies: 12
Views: 912

Re: Debt collection advice

Does it seem fishy that he was contacted by a collector instead of the bank? Does this mean the bank has sold his debt to the collector? Probably got the call from the debt collection department of the bank. If they'd already sold it to an outside debt collection agency there would be no offer of, ...
by BolderBoy
Fri Sep 08, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: Freeze Credit for free without police report
Replies: 26
Views: 2404

Re: Freeze Credit for free without police report

Unless they waive the no lawsuit language, I will not sign up. We all can have access to the same with Credit Sesame and Karma. Why waive the right to sue in case some hackers screw up my credit? Already been a class action filed in this matter (anticipating $70 billion judgment). You are automatic...
by BolderBoy
Fri Sep 08, 2017 2:39 pm
Forum: Forum Issues and Administration
Topic: [will Bogleheads server be affected by Hurricane Irma?]
Replies: 8
Views: 726

Re: Power Down?

The Wizard wrote:
Fri Sep 08, 2017 2:31 pm
No.
They relocated it to a bulletproof location some months back.
I forget just where...
Excellent news. Thank you.
by BolderBoy
Fri Sep 08, 2017 2:28 pm
Forum: Forum Issues and Administration
Topic: [will Bogleheads server be affected by Hurricane Irma?]
Replies: 8
Views: 726

[will Bogleheads server be affected by Hurricane Irma?]

I'm presuming the BH's server will be going down when Irma hits and be down for an unknown amount of time thereafter.

Is that likely correct?
by BolderBoy
Thu Sep 07, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: How to decide if there is enough retirement income accrued to start retirement
Replies: 12
Views: 1846

Re: How to decide if there is enough retirement income accrued to start retirement

I am asking for my parents in mid 60s. They are still working but if they retire now, their guarnteed retirement income(ss and cola adjusted government pension) would be around 4,000 per month. Let's say their monthly expenses if retired would be around $3,500 (still bugging them to calculate exact...
by BolderBoy
Thu Sep 07, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Don't know where to start at all
Replies: 21
Views: 1672

Re: Don't know where to start at all

anthonny wrote:
Wed Sep 06, 2017 11:42 pm
SO SHOULD I START MY FIRST INVESTMENT AS I ROTH IRA with vanguard vtsmx?
I will cautiously say, "Yes!" Have your wife do it, too.

Then be sure to read enough so that you know the maximum contribution limits. Also plan to add VBSMX so have rebalancing opportunities going forward.