Search found 111 matches

by duckcalldan
Fri Nov 17, 2017 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Spending Taxable to Zero during Retirement
Replies: 32
Views: 3364

Re: Spending Taxable to Zero during Retirement

This may be implied, but are you using a donor advised fund for your giving? We are in a similar situation, early 50s and living off our taxable accounts until SS and RMDs. Besides using our taxable assets to pay for Roth conversions, we are donating highly appreciated stock to a Fidelity DAF for ne...
by duckcalldan
Wed Nov 15, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Bill Paying Issues
Replies: 18
Views: 1284

Re: Bill Paying Issues

Or go with Fidelity. Here’s our situation. My wife and I each have our own usernames and passwords. We can each view our joint brokerage account and our joint cash management account. We can each view our own IRAs, and since I’m the financial half of our relationship, she granted me viewing and tran...
by duckcalldan
Wed Nov 15, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab/Fidelity vs BoA Gold: Checking
Replies: 41
Views: 3059

Re: Schwab/Fidelity vs BoA Gold: Checking

My combo:
Fidelity checking for bill payment & ATM access
Alliant CU savings for high interest rate (all my dividends are deposited here) & cash deposits at many co-op CU ATMs
ACH between the two as needed
Works for me.
by duckcalldan
Wed Nov 15, 2017 5:47 pm
Forum: Investing - Theory, News & General
Topic: Saturna=the only no-fee HSA investing option
Replies: 4
Views: 647

Saturna=the only no-fee HSA investing option

As we get closer to the end of year, I'm seeing more and more prompts for HSA recommendations. Now that Lively has entered the market, many are choosing this new option. At $30/year, it's a reasonable choice. Many others suggest Saturna where, as long as you trade only once per year, it's only $14.9...
by duckcalldan
Tue Nov 14, 2017 7:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard Total Corporate Bond ETF (VTC)
Replies: 6
Views: 1097

Re: Vanguard Total Corporate Bond ETF (VTC)

With the exception of enough VFSUX (ST investment grade fund) to live on for about 18 months in case of a stock selloff, all of my bond allocation is in my rollover IRA. It’s comprised of 2/3 VGIT (V* intermediate govt bond) and 1/3 VCIT (same but corporate). This arrangement allows me to tailor the...
by duckcalldan
Sun Nov 12, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Questions about free tax filing
Replies: 9
Views: 809

Re: Questions about free tax filing

While my income has been too high to use it, I’ve had good luck with myfreetaxes.com for my daughters’ 1040s. It’s a joint project between HR Block and United Way. It’s the only free tax program I’ve seen that allows for a complicated return, which is why I’ve used it for them.
by duckcalldan
Sat Nov 11, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab/Fidelity vs BoA Gold: Checking
Replies: 41
Views: 3059

Re: Schwab/Fidelity vs BoA Gold: Checking

2. I recently came across the Checking account of Charles Schwab and the Cash Management Account of Fidelity. I'm impressed by the features: - No minimum balance, no monthly fee. - No ATM fee, worldwide, - Reimburse other institution's surcharge. - No foreign transaction fee on ATM cash withdrawal....
by duckcalldan
Fri Nov 10, 2017 8:24 pm
Forum: Investing - Theory, News & General
Topic: Initial Vanguard capital gains distribution announcement
Replies: 14
Views: 1698

Re: Initial Vanguard capital gains distribution announcement

Thanks for the clarification. I didn’t know that Vanguard had both active and index health care funds. I wasn’t expecting a CG distribution and I’m glad I won’t be getting one.
by duckcalldan
Fri Nov 10, 2017 6:04 pm
Forum: Investing - Theory, News & General
Topic: Initial Vanguard capital gains distribution announcement
Replies: 14
Views: 1698

Re: Initial Vanguard capital gains distribution announcement

Interesting that Health Care Adm and Inv have a hefty CG percentage, but none for VHT (the EFT, which i own). I’m curious since i thought that EFT and Admiral were the same class.
by duckcalldan
Tue Nov 07, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 4775

Re: Poll-How much do you have in your HSA?

$6750. Just opened our first HSA last week with Saturna in my wife's name, since she's in a bronze family HDHP and I'm in a silver plan.
by duckcalldan
Mon Nov 06, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: aca health care for out of state college student? or out of country travels?
Replies: 2
Views: 291

Re: aca health care for out of state college student? or out of country travels?

When you enroll in ACA, before choosing plans you can split your household into groups. Put your college student in their own group. As long as you entered their college address, you’ll see a list of plans with providers in that city. Your subsidy will be split between the plans. I did this for my c...
by duckcalldan
Mon Nov 06, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia to New Jersey income tax
Replies: 20
Views: 2156

Re: Virginia to New Jersey income tax

I'm considering a move from which most people consider a medium tax state, Virginia, to what is called a high tax state, New Jersey, where almost all my family is. I realize there are many things such as car registration fees, car taxes, real estate taxes, exemption of federal pensions, etc. that e...
by duckcalldan
Tue Oct 31, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement alphabet soup: ACA, CSR and CHIP
Replies: 1
Views: 331

Early retirement alphabet soup: ACA, CSR and CHIP

Like many here, I'm getting ready for Nov 1 when 2018 ACA applications go live. I'll be switching from our current carrier due to them (Anthem) leaving Virginia and leaving my county with only one carrier (Optima). We're a family of four. Currently I'm on a silver plan with cost share reductions, an...
by duckcalldan
Sun Oct 29, 2017 6:55 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15135

Re: What was the main reason you retired?

1, 4, but especially 9. I am truly excited to discover how my financial blessings can save many lives. I just got back from Rwanda where I helped to drill a water well in a village that didn’t have access to clean water. I want to give my non-essential assets away while I am still young enough (54) ...
by duckcalldan
Mon Jun 05, 2017 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Timing – Update
Replies: 9
Views: 1666

Re: Early Retirement Timing – Update

There is no financial reason to ever go into work again. I would retire tomorrow unless you love your job or there is some other non-financial reason to keep working. Insurance is not a non-financial reason to keep working. You can afford to buy your own insurance with no issues. I suspect if you m...
by duckcalldan
Wed May 24, 2017 3:52 pm
Forum: Investing - Theory, News & General
Topic: Transfer to Fidelity for Sign on Bonus?
Replies: 35
Views: 4885

Re: Transfer to Fidelity for Sign on Bonus?

I spoke to Fidelity today and they have eliminated their cash bonus program I thought that was probably the case. That removes a major player. Call it good timing, but I got this email today from Fidelity: Hi Dan, The deposits for our cash bonus offer have been credited to your accounts. Please let...
by duckcalldan
Fri May 12, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Accumulation stage: High yield dividend VYM in Roth IRA?
Replies: 2
Views: 412

Re: Accumulation stage: High yield dividend VYM in Roth IRA?

Welcome to Bogleheads! There's nothing wrong with VYM in your Roth. I bought some for my Roth several years ago before I really understood qualified dividends. Since 100% of VYM's dividends are qualified, you won't pay any income tax on dividends if held in a taxable account up to the top of your 15...
by duckcalldan
Mon May 08, 2017 4:44 pm
Forum: Investing - Theory, News & General
Topic: Profit from country's collapse (ordinary investor)
Replies: 18
Views: 2009

Re: Profit from country's collapse (ordinary investor)

Perhaps you should spend less time figuring out how to profit from a country's collapse, and more time figuring out how to help those in dire need. People are starving. The average Venezuelan has lost 19 pounds in the past year. Hospitals have no medicine and no water. Today I donated to Mustard Tre...
by duckcalldan
Wed May 03, 2017 6:51 pm
Forum: Investing - Theory, News & General
Topic: A Boglehead Guide to Buying Individual Stocks
Replies: 85
Views: 7879

Re: A Boglehead Guide to Buying Individual Stocks

I used to hold about 80% individual stocks as a youngster. Now that I'm a grizzled Boglehead, I'm down to about 12%. Still in the six figures, but these stocks are some companies that I'd be happy owning forever a la Buffett. For example, I bought Visa at their IPO. It's about the perfect company in...
by duckcalldan
Wed May 03, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Need some help in picking between Fidelity's international index funds
Replies: 22
Views: 1571

Re: Need some help in picking between Fidelity's international index funds

Yes, at Fidelity, the mutual fund equivalent of IXUS is FTIPX. You don't need to worry about the percentage of qualified dividends in your IRA since you won't be paying taxes annually on the dividend distribution. Personally, I would stick with the mutual fund (just a preference). I own FTIPX at Fi...
by duckcalldan
Wed May 03, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Need some help in picking between Fidelity's international index funds
Replies: 22
Views: 1571

Re: Need some help in picking between Fidelity's international index funds

I picked IXUS for my Fidelity international fund. A higher percentage of qualified dividends than VXUS and a similar expense ratio. I'm happy with it.
by duckcalldan
Thu Apr 20, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: Bond fund dividend accrual-daily vs monthly
Replies: 5
Views: 770

Re: Bond fund dividend accrual-daily vs monthly

It is probably reflected in the price. As the fund accrues interest payments throughout the month from all of the bonds it holds, its NAV goes up correspondingly. When the fund makes a distribution, the NAV should go down by the amount of the distribution. So whatever you sold it for, the NAV (and ...
by duckcalldan
Tue Apr 18, 2017 2:00 pm
Forum: Investing - Theory, News & General
Topic: Bond fund dividend accrual-daily vs monthly
Replies: 5
Views: 770

Bond fund dividend accrual-daily vs monthly

I recently rolled over my 401K to a Fidelity IRA. The lion's share of my 401K was a BlackRock Bond Fund (BMOAX). The withdrawal and payout to Fidelity was the 16th of the month. I was expecting a pro-rated dividend for the half a month I held this fund, similar to what I experience when I sell a Van...
by duckcalldan
Wed Apr 12, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest way to order contact lenses?
Replies: 27
Views: 4067

Re: Cheapest way to order contact lenses?

Since prices have come down substantially, I'm no longer getting them from Canada. Last order was from ezcontacts.com. Box of 24 Acuvue Oasys for each eye was $115 total, a lot cheaper than last year. Alternatively, if you're heading to Europe soon you can get them over the counter in any pharmacy w...
by duckcalldan
Mon Mar 27, 2017 10:05 pm
Forum: Investing - Theory, News & General
Topic: What Bond ETF to use for a 3-fund portfolio?
Replies: 12
Views: 3082

Re: What Bond ETF to use for a 3-fund portfolio?

I just got my rollover check from my employer since I'm recently retired. Since I won't need this money for over 10 years and it will hold a vast portion of my bond allocation, I'm going with 2 parts VGIT to 1 part VCIT. Similar to BND but without mortgage backed securities and allows me to vary the...
by duckcalldan
Sat Mar 25, 2017 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 163
Views: 29719

Re: Best HSA (2017)

this is where you lost me...Not sure how you jumped from a 0.25% fee to 0.88 or 0.4%? Or whwere 0.125% for Saturna came from... I calculated the ER as annual fee divided by the principal (in my case, the first year would be 45/7,750) which equals an annual expense ratio of .58. Add the .25 wrap. Th...
by duckcalldan
Thu Mar 23, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: ACA question re HDHP "family plan" and HSA qualification
Replies: 5
Views: 480

Re: ACA question re HDHP "family plan" and HSA qualification

So I found an answer, in a very straightforward manner. m according to the above, "Family HDHP coverage is any level of coverage other than self-only coverage. Family coverage does not have to include the other spouse." So she can contribute the full $6750 as long as the account is in her ...
by duckcalldan
Thu Mar 23, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: ACA question re HDHP "family plan" and HSA qualification
Replies: 5
Views: 480

Re: ACA question re HDHP "family plan" and HSA qualification

Pretty sure you all have to be on the same plan. I don't think you can be silver and them bronze. Yes, you can separate a family into different plans or "groups" during the ACA enrollment process. I am in Group 1 and the other family members are in group 2. You can then choose different p...
by duckcalldan
Thu Mar 23, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: ACA question re HDHP "family plan" and HSA qualification
Replies: 5
Views: 480

ACA question re HDHP "family plan" and HSA qualification

Appreciate your help with this ACA enrollment decision. I'm enrolling today or tomorrow for my family of 4. We qualify for a cost sharing Silver plan but I really want to open a HSA for income minimization and other advantages. After some thought, I'm going to enroll in the Silver plan for myself (I...
by duckcalldan
Tue Mar 21, 2017 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Using the Fidelity Rewards Visa in Europe?
Replies: 20
Views: 2525

Re: Using the Fidelity Rewards Visa in Europe?

We are heading to Amsterdam in 2 weeks. We've had no problems with Chase Sapphire Preferred on prior European trips, but this trip we will be using the combo of Chase Sapphire Reserve for dining and travel, Citi Prestige for all normal spending (MC generally has a better conversion rate than Visa) a...
by duckcalldan
Fri Mar 17, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 28348

Re: Early Retirement - what to do about healthcare?

We went part time 5 years ago at age 53. Here are some random observations for OP. Yes, health insurance is expensive. We have been fortunate to be able to manage our adjusted gross income to qualify for subsidies. Whether that will continue in the future, or in what form, is to be determined. It d...
by duckcalldan
Sun Feb 26, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Pre-retirement checklist, what is on yours?
Replies: 72
Views: 6895

Re: Pre-retirement checklist, what is on yours?

While list making (and crossing things off that list) is always a good idea for a life event as large as retirement, can I just say that it's OK to 1) not have everything figured out ahead of time, and 2) to plan some time to rest? I retired 2 weeks ago at age 53. I made my list almost a year ago. O...
by duckcalldan
Sun Feb 19, 2017 10:12 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 642
Views: 105007

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Do all of the brokerages report the bonus income on 1099-misc? Or do some do 1099-int? Good question. I'd like datapoints on this too. Does it matter? Yes, it can potentially increase taxes by more than $6,000 by having an extra $1 on 1099INT rather than 1099MISC. Schwab explicitly states that for ...
by duckcalldan
Sun Feb 05, 2017 4:59 pm
Forum: Investing - Theory, News & General
Topic: Why go with an 80% stock / 20% bond portfolio?
Replies: 360
Views: 34390

Re: Why go with an 80% stock / 20% bond portfolio?

I am age 53 and am retiring in 5 days. I am at 70/27/3 and feel good about that AA. Enough cash and ST bonds to avoid liquidating in a down market, but a high enough equity % for hopefully 40+ years of a healthy retirement. I was considering 60/40 but don't feel comfortable with a higher FI % given ...
by duckcalldan
Thu Jan 26, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone moved to another state for lower cost of living?
Replies: 72
Views: 11197

Re: Anyone moved to another state for lower cost of living?

I grew up in Dallas, ended up living on the coast in the Bay Area of CA for many years. I loved it, but it became terribly expensive, so at age 54, I moved to Reno, NV to live near my youngest child. Stayed there for 3 years, saved a lot of money, but when my child was transferred out of Reno for w...
by duckcalldan
Fri Jan 13, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 141
Views: 19110

Re: Best Financial Moves You've Made

*Living below my means *Marrying a like-minded, low-maintenance woman *Avoiding all non-mortgage debt for over 20 years (and now without mortgage) *Getting comfortable with investing since age 14 *Moving to Schwab from Shearson Lehman (remember them?) at an early age *Finding an employer that funded...
by duckcalldan
Fri Jan 13, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: HSA Suggestions: where?
Replies: 20
Views: 2226

Re: HSA Suggestions: where?

MechEngOSU wrote:Fidelity has been very good and you can use low cost index funds in the HSA there

I believe Fido doesn't offer HSAs to the general public, only through workplaces.
by duckcalldan
Thu Jan 12, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Separate ACA plan for college student away from home?
Replies: 4
Views: 420

Separate ACA plan for college student away from home?

Title says it all really. She's in the same state but, as we look to get our first ACA plan soon, our preferred plans (bronze with HSA and a hefty credit) don't include hospitals convenient to her. I've heard it's no more $ for her to have a separate plan than to be on a combined plan. One downside ...
by duckcalldan
Sun Jan 01, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Out of state 529 plan worth the hassle?
Replies: 7
Views: 864

Re: Out of state 529 plan worth the hassle?

Unless your MN plan is particularly high cost, I'd think you should go for the state tax break. My VA plan is both low cost and gives us a decent tax deduction.
by duckcalldan
Sun Jan 01, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Long term bonds in rollover IRA?
Replies: 1
Views: 227

Long term bonds in rollover IRA?

In a couple of months, I will retire at age 53 and rollover my 401k into a Fidelity IRA. I have sufficient taxable assets to fund our spending it until we take SS and RMDs at age 70. My plan is to convert my rollover (which comprises about 27% of our total assets) to Roth to minimize our RMDs; this ...
by duckcalldan
Thu Dec 29, 2016 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Ideal fund for TLHing Intermediate Muni Fund?
Replies: 6
Views: 633

Re: Ideal fund for TLHing Intermediate Muni Fund?

Do what I did today, TLHing the same fund. I just exchanged to Prime Money Market. It's only 31 days so why take risks on your principal?

I'm going to exchange it to Total International on a down day (TI was up today) but this allowed me to TLH this year without waiting for the perfect exchange.
by duckcalldan
Wed Dec 28, 2016 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Total international differences: VXUS vs IXUS
Replies: 9
Views: 2442

Re: Total international differences: VXUS vs IXUS

Ok, this thread took an advanced turn. I was merely looking for a recommendation on which total international fund to pick, and it became a discussion on securities lending and other such items. What are you folks talking about, why does it matter and how should it affect my choice?
by duckcalldan
Tue Dec 27, 2016 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Total international differences: VXUS vs IXUS
Replies: 9
Views: 2442

Total international differences: VXUS vs IXUS

I'm doing some tax loss harvesting in my taxable Fidelity account and taking the opportunity to raise my foreign holdings from 20% to 30%. It appears that Vanguard and iShares have largely identical total international products. IXUS' ER is two basis points cheaper. I have free ETF trades so commiss...
by duckcalldan
Mon Dec 26, 2016 5:52 pm
Forum: Personal Consumer Issues
Topic: Decent quality reading glasses
Replies: 21
Views: 2189

Decent quality reading glasses

As a guy, it's either $10-20 readers from Target or something a lot more expensive. My daughter has prescription glasses from Warby Parker that are a solid value at $95, but the same price for readers. My wife found a nice pair from See Concept at a museum gift shop, but their styles are decidedly f...
by duckcalldan
Mon Dec 26, 2016 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: DAF for church offering? [Donor Advised Fund]
Replies: 31
Views: 3320

Re: DAF for church offering?

Why not just do a single donation a year and let the church manage the monthly budgeting out of the cash flow? Way less admin for you. Most folks donate to their church 52 times a year via the offering plate. I have EFT transfers twice a month. Churches depend on regular offerings, supplemented by ...
by duckcalldan
Mon Dec 26, 2016 8:45 am
Forum: Personal Finance (Not Investing)
Topic: DAF for church offering? [Donor Advised Fund]
Replies: 31
Views: 3320

DAF for church offering? [Donor Advised Fund]

I'm pretty sure I'm going to open a donor advised fund with Fidelity next year as I have plenty of LTCG and it just makes sense to switch my giving from cash to appreciated securities. Our giving is around $5K annually but I can see this figure increasing slightly over the next few years as we adjus...
by duckcalldan
Tue Dec 20, 2016 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: EOY Rebalance- Bond Allocation
Replies: 4
Views: 503

Re: EOY Rebalance- Bond Allocation

I am in a similar situation. I will be doing a rollover in February and, like you, this account will have all my bond allocation except for a good portion of short-term bonds as a cash equivalent in taxable. I was leaning towards BND for simplicity but I want to stay away from long-term bonds and MB...
by duckcalldan
Sun Dec 18, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 132
Views: 21196

Re: Turbo Tax Premier 2016 Free @ Fidelity (Premium Services customers, maybe not all)

Premium Services client here, $500K, no free TT offer. I called PS and they said it's only for active traders, which I don't believe is correct. I emailed my Fidelity contact last week and he did not have word of this year's offer yet. I will be adding assets early next year so I assume he will eith...
by duckcalldan
Fri Dec 16, 2016 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion vs. Premium Tax Credit
Replies: 8
Views: 1094

Re: Roth Conversion vs. Premium Tax Credit

Two factors (at least): your health and your IRAs size. We're FIREing in two months (age 53 & 50). Very good health with rare doctor visits, for now. IRA is around $800K. With 17 years until RMDs, I'm looking at 25% marginal tax rate at least when I take those disbursements. So I'm going to conv...
by duckcalldan
Wed Dec 14, 2016 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: On-line order, in-store pickup
Replies: 27
Views: 2660

Re: On-line order, in-store pickup

I use this for online shopping portals like Chase or Splender where you can get extra points for online vs B&M purchases.