Search found 38 matches

by dignan
Thu Apr 20, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question - Nationwide 457b
Replies: 4
Views: 464

Re: Portfolio Question - Nationwide 457b

That's not the greatest 457(b) plan. Combine the 1% account fee with the ERs on those funds and it gets pretty pricey. If this is a non-governmental 457(b), I would personally skip over it. And I've seen Nationwide provide better options to governmental 457(b) plans, although that does depend on th...
by dignan
Tue Apr 18, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question - Nationwide 457b
Replies: 4
Views: 464

Portfolio Question - Nationwide 457b

Hi Bogleheads, Good news! I'm down to 10k on my student loans, which was about 42k about 2 years ago. My side job has really helped me pay down those loans. Bad news! After all these years I've been with my wife (together 7, married 5), she's just now telling me that she can contribute to a 457b aft...
by dignan
Fri Mar 17, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs PPO (baby in 2017) [High Deductible vs. Preferred Provider plans]
Replies: 16
Views: 1419

Re: HDHP vs PPO (baby in 2017) [High Deductible vs. Preferred Provider plans]

I had a similar situation and used dinkytown.net to help me determine which plan to go with. I plugged in your numbers assuming 10 doctor visits and 10 prescriptions annually, which you can change to see how things add up for the better or worse. Assuming I plugged your numbers in correctly, you cou...
by dignan
Mon Dec 19, 2016 11:39 am
Forum: Personal Finance (Not Investing)
Topic: AMEX Blue Cash Everyday vs Preferred offers
Replies: 13
Views: 1982

Re: AMEX Blue Cash Everyday vs Preferred offers

We have the Preferred card and was charged a $75 membership fee in November. Does this new fee start in 2017?
by dignan
Fri Nov 04, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: TrueCrypt Alternative
Replies: 11
Views: 1323

Re: TrueCrypt Alternative

VeraCrypt took TrueCrypt's source code and made the necessary security updates. https://veracrypt.codeplex.com/
DiskCryptor is an alternative. https://diskcryptor.net/wiki/Main_Page
FileVault as the other poster mentioned.
by dignan
Fri Oct 28, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: What would you do? Payoff...
Replies: 12
Views: 1464

Re: What would you do? Payoff...

I think we're going to go the route of paying 9k and continue aggressively paying the student loan. We appreciate everyone's advice.
by dignan
Wed Oct 26, 2016 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Lowest HSA Fees
Replies: 25
Views: 2247

Re: Lowest HSA Fees

I hadn't seen HSA Authority and SelectAccount but they seem reasonable. Any gotchas? Dead cash requirements? Other fees? How easy is it to enroll? What is it like transferring from another HSA? It looks like they've got a few good funds (you really only need one), amongst a few dozen bad ones. Ther...
by dignan
Wed Oct 26, 2016 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: What would you do? Payoff...
Replies: 12
Views: 1464

Re: What would you do? Payoff...

We need OP to clear something up here. It seems most are reading the $18k was received and that is now part of the EF for $29k ($29k total). I'm reading it as the $18k was recently received and they already had a $29k EF separate ($47k total). Which way is correct, OP? We now have 29k total, which ...
by dignan
Wed Oct 26, 2016 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: What would you do? Payoff...
Replies: 12
Views: 1464

Re: What would you do? Payoff...

Are you maxing out your 401k this year? You could adjust your paycheck to get that done by the end of the year while using this money to cover the monthly shortage that may cause. I agree that you want an emergency fund more like $20k than $5k. Maybe you just put a bunch in taxable investments plan...
by dignan
Wed Oct 26, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: What would you do? Payoff...
Replies: 12
Views: 1464

What would you do? Payoff...

My wife and I recently received a small life insurance policy of 18k that we've been sitting on for a few months. We now have a total emergency savings of 29k. We've already contributed the max amount to our ROTH accounts. We have a condo as an investment and like to keep emergency savings to help c...
by dignan
Wed Oct 26, 2016 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Lowest HSA Fees
Replies: 25
Views: 2247

Re: Lowest HSA Fees

I hadn't seen HSA Authority and SelectAccount but they seem reasonable. Any gotchas? Dead cash requirements? Other fees? How easy is it to enroll? What is it like transferring from another HSA? It looks like they've got a few good funds (you really only need one), amongst a few dozen bad ones. Ther...
by dignan
Tue Oct 25, 2016 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Lowest HSA Fees
Replies: 25
Views: 2247

Re: Lowest HSA Fees

leonazul25 wrote:Thank you but I do not want a penny in the cash portion.


You don't need to keep a penny of cash with HSA Authority, which was a feature I was looking for also.
by dignan
Tue Oct 25, 2016 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Lowest HSA Fees
Replies: 25
Views: 2247

Re: Lowest HSA Fees

I did a lot of research through hsasearch.com and decided on HSA Authority. They have a handful of low cost funds and only charge $36 per year. I discussed my experience in another thread - viewtopic.php?f=1&t=190993#p2985052
by dignan
Thu Oct 20, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP or HMO
Replies: 8
Views: 669

Re: HDHP or HMO

Hello All, I notice that many Bogleheads carry a HDHP instead of an HMO. Why is that? I have a young child and I'm married and I am trying to wrap my head around this. Sorry for the novice question and thanks in advance1"! -BV I found this link helpful in deciding what was a better choice for ...
by dignan
Wed Oct 12, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Experience with new homebuilders
Replies: 12
Views: 1240

Re: Experience with new homebuilders

Hey guys, Looking to purchase a SFH. I'm not sure why, but I have a reluctance from buying from large homebuilders. I guess I am concerned they cut corners to maximize profits. Other than hiring an inspector or personal contractor to visit the site on a regular basis, are there other means to ensur...
by dignan
Tue Jul 19, 2016 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Lake Michigan HSA - New Lower Interest Rates
Replies: 8
Views: 1145

Re: Lake Michigan HSA - New Lower Interest Rates

So far I've been leaning toward HSA Authority. Interesting, I've never heard of them before. Doing a quick search, it looks like a decent option with only a $36 annual fee, no trading fees, and a number of great Vanguard funds. Anyone have any experience with HSA Authority'? I transferred my HSA ac...
by dignan
Tue Jun 21, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Bonds for College Expenses
Replies: 8
Views: 587

Re: Bonds for College Expenses

@livesoft - I should have asked the question more specifically to the taxes. Sorry about that. My question was more directly related to avoiding taxes if we can cash bonds and give to my son, even though we do not claim him as a dependent. @blevine - We are in the 25% tax bracket and don't think our...
by dignan
Tue Jun 21, 2016 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Bonds for College Expenses
Replies: 8
Views: 587

Re: Bonds for College Expenses

Of course you can cash them in to pay for college, a new car, a vacation, food, etc. Of course you can contribute to a 529 plan. Whatever you contribute would be considered a gift to your son. Thank you. I guess I was confused with the "dependent for whom you claim an exemption" and would...
by dignan
Mon Jun 20, 2016 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Bonds for College Expenses
Replies: 8
Views: 587

Bonds for College Expenses

My wife has EE and I bonds she ended up not using for her college expenses. Can we cash those in for my son's college expenses? Or can we cash them in to contribute to my son's 529? I do not claim him as an exemption in line 6c on form 1040.
by dignan
Tue Jun 14, 2016 1:03 pm
Forum: Investing - Theory, News & General
Topic: A group from Silicon Valley has a serious plan for creating a totally new US stock exchange
Replies: 1
Views: 770

A group from Silicon Valley has a serious plan for creating a totally new US stock exchange

http://qz.com/704657/eric-ries-ltse-long-term-stock-exchange/ Ries said the LTSE would have a number of differences from a traditional stock exchange. Key ones include: Tenured shareholder voting power, meaning that a shareholder’s votes would be proportionately weighted by the length of time the sh...
by dignan
Mon Jun 13, 2016 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Target retirement funds vs Passive index funds
Replies: 9
Views: 1467

Re: Target retirement funds vs Passive index funds

Hello Bogleheads! This is my first post in this forum. I am 25 years old and currently employed. I have recently read "Boglehead's Guide to Investing" and seem to be convinced that low cost index funds are the way to go. I have a 401K account with my employer and the employer by default h...
by dignan
Tue May 31, 2016 1:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Chicago meeting [- March 27 in Lincoln Park]
Replies: 32
Views: 4640

Re: Chicago meeting

How did it go? It went well other than only one person who came, but that is my fault, I did not realize it was Easter when I set it up. We discussed Asset Allocation, health care premiums, investing/retirement goals, Long term care viability etc. It was a great location and I would recommend it fo...
by dignan
Tue May 31, 2016 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Any problems with netspend
Replies: 63
Views: 6410

Re: Any problems with netspend

Bad News on Netspend... I was starting to fund an account today, and their savings terms are changing. Effective July 1, only up to $1,000 with earn the 5% interest... I assume this is the case across all those types of accounts. Do you have a link on their website for this and is it for all accoun...
by dignan
Thu May 12, 2016 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Retired/Low Income - Fund Recommendations
Replies: 5
Views: 864

Re: Retired/Low Income - Fund Recommendations

Thank you all for the recommendations. I will likely put her money in the target retirement income fund. She seems more comfortable with that. I was a little concerned about the taxes from the brokerage account, but seems like it won't matter due to her low income.
by dignan
Thu May 12, 2016 1:54 pm
Forum: Investing - Theory, News & General
Topic: Morningstar X-Ray?
Replies: 6
Views: 1712

Re: Morningstar X-Ray?

If you're a patron at your local library, they may have free access to the premium features of Morningstar. Check the library's website or contact them about it.

Or you can access just X-ray from here - http://portfolio.morningstar.com/Rtport ... Entry.aspx
by dignan
Tue May 10, 2016 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Lake Michigan HSA - New Lower Interest Rates
Replies: 8
Views: 1145

Re: Lake Michigan HSA - New Lower Interest Rates

I noticed this as well and have only been with them since the beginning of the year. I'm very disappointed as I'm trying to save enough HSA money so I can switch to another provider with investment options. So far I've been leaning toward HSA Authority. I've been using https://www.hsasearch.com/ to ...
by dignan
Fri May 06, 2016 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Retired/Low Income - Fund Recommendations
Replies: 5
Views: 864

Retired/Low Income - Fund Recommendations

My mom was investing in really high fee/load mutual funds with Chase and will be helping her rollover her accounts to Vanguard. She has a tIRA ($62k) and brokerage ($58k). She is 70 and is collecting SS, which is her only form of income. Are there any mutual fund recommendations for both accounts? I...
by dignan
Sat Mar 19, 2016 9:13 am
Forum: Personal Consumer Issues
Topic: Mint Bills
Replies: 9
Views: 1501

Re: Mint Bills

I haven't used Mint for bill pay. I recently moved to ACU, but haven't set up bill pay. Can you elaborate on why ACU doesn't work for you?
by dignan
Sat Mar 05, 2016 9:28 am
Forum: Personal Consumer Issues
Topic: Storing Files on the 'Cloud' - Security Fears?
Replies: 8
Views: 915

Re: Storing Files on the 'Cloud' - Security Fears?

There are products that allow you to encrypt your data before it goes into the cloud, ie. Google Drive, OneDrive, Box, Dropbox, etc. Check out BoxCryptor, nCrypted, Cryptomator, CryptSync, VeraCrypt, etc. I personally use Cryptomator. It's very important to use a very strong password and back up the...
by dignan
Thu Jan 21, 2016 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: When is an HSA account no longer worth it?
Replies: 21
Views: 2556

Re: When is an HSA account no longer worth it?

I found this link to be helpful. http://www.dinkytown.net/java/HSAvsTraditional.html Punch in the numbers and see what seems better for you. I put a high number (like 200) of doctor visits and prescriptions just to see a worst case scenario. My HDHP was a 5k deductible which ended up being the bette...
by dignan
Fri Dec 25, 2015 10:38 am
Forum: Investing - Theory, News & General
Topic: Lego a 'better investment than shares and gold'
Replies: 7
Views: 2051

Lego a 'better investment than shares and gold'

I thought this was a fun and interesting article and wanted to share it with the boglehead community. Merry Christmas!

http://www.telegraph.co.uk/finance/pers ... -gold.html
by dignan
Sun Nov 29, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: Best TV to buy
Replies: 96
Views: 11213

Re: Best TV to buy

I highly recommend checking out Wirecutter. They have professionals test all sorts of products. They are the equivalent of a Consumer Reports.
Here is the TV section - http://thewirecutter.com/leaderboard/tvs/
Here is their about page - http://thewirecutter.com/hello-how-to-u ... irecutter/
by dignan
Mon Nov 23, 2015 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Not Satisfied with MassMutual Funds
Replies: 9
Views: 1115

Re: Not Satisfied with MassMutual Funds

Thank you all for offering advice. I did a Morningstar x-ray and it seems that if I had invested in the Dryfus, Columbia Small Cap and MFS bond, my estimated fund expense would be $37, whereas the Lifetime would be $25. So even though those other funds have a low expense ratio, investing in all of ...
by dignan
Mon Nov 23, 2015 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Not Satisfied with MassMutual Funds
Replies: 9
Views: 1115

Re: Not Satisfied with MassMutual Funds

Thank you all for offering advice. I did a Morningstar x-ray and it seems that if I had invested in the Dryfus, Columbia Small Cap and MFS bond, my estimated fund expense would be $37, whereas the Lifetime would be $25. So even though those other funds have a low expense ratio, investing in all of t...
by dignan
Mon Nov 23, 2015 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Not Satisfied with MassMutual Funds
Replies: 9
Views: 1115

Not Satisfied with MassMutual Funds

Hi all, I'm new to Bogleheads and would like some advice on my MassMutual 401k account. I'm not very satisfied with the fee structure on the investment options with MassMutual through my company. I've been with the company for close to two decades and plan on staying with the company in the foreseen...

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