Search found 90 matches

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: 500

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: 500

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: 3202

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: 1865

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: 128
Views: 13621

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: 343

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

So I found an answer, in a very straightforward manner. https://hsa.umb.com/documents/web_content/q025015.pdf 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 contrib...
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: 343

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: 343

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: 1754

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: 101
Views: 10513

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: 5578

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: 336
Views: 39516

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: 342
Views: 22203

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: 56
Views: 6882

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: 17298

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: 1925

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: 373

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: 744

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: 202

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: 556

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: 1371

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: 1371

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: 1885

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: 2572

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: 2572

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: 450

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: 19124

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: 851

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: 2278

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.
by duckcalldan
Mon Dec 12, 2016 3:16 pm
Forum: Investing - Theory, News & General
Topic: Comparing Ferri and Malkiel's Bond Portfolios
Replies: 14
Views: 2082

Re: Comparing Ferri and Malkiel's Bond Portfolios

I am FIREing in February so I am researching all things bonds as of late. I'm currently 58/39/3 cash. My rollover IRA (about 30% of total assets) will be my main bonds space, with the remaining 8% of my bond allocation in short-term bonds (VFSUX) in taxable. With 17 years until I take RMDs, I have a...
by duckcalldan
Mon Dec 12, 2016 3:04 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 132
Views: 32304

Re: my review of my HSA with Saturna brokerage

The larger the assets, ER becomes more important than transaction costs. Although it does seem that FSTVX is a better choice than VTSAX. $10 lower transaction cost and virtually the same portfolio. And no reinvestment costs for either unlike VTI or other ETFs. I just spoke to Kalen at Saturna and h...
by duckcalldan
Mon Dec 12, 2016 9:47 am
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 132
Views: 32304

Re: my review of my HSA with Saturna brokerage

If one were looking for a no-fee VTI or VTSAX-like mutual fund with Saturna, I found T Rowe Price's version POMIX for a quite reasonable .30% ER. https://www3.troweprice.com/fb2/fbkweb/snapshot.do?ticker=POMIX So, for me just starting my HSA next year after I retire, this would be a very good fee-f...
by duckcalldan
Mon Dec 12, 2016 7:01 am
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 132
Views: 32304

Re: my review of my HSA with Saturna brokerage

If one were looking for a no-fee VTI or VTSAX-like mutual fund with Saturna, I found T Rowe Price's version POMIX for a quite reasonable .30% ER. https://www3.troweprice.com/fb2/fbkweb/snapshot.do?ticker=POMIX So, for me just starting my HSA next year after I retire, this would be a very good fee-f...
by duckcalldan
Sun Dec 11, 2016 10:37 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 132
Views: 32304

Re: my review of my HSA with Saturna brokerage

If one were looking for a no-fee VTI or VTSAX-like mutual fund with Saturna, I found T Rowe Price's version POMIX for a quite reasonable .30% ER. https://www3.troweprice.com/fb2/fbkweb/snapshot.do?ticker=POMIX So, for me just starting my HSA next year after I retire, this would be a very good fee-fr...
by duckcalldan
Sat Dec 03, 2016 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 332
Views: 23569

Re: Picking College and College Scholarships

https://en.wikipedia.org/wiki/VCU_School_of_the_Arts` VCU only ranked #2 for Arts which is the major that my daughter is interested in. I got lucky. KlangFool Just came across this thread. Like you, my daughter is enrolled at VCUarts. She's a 2nd year graphics design major and loves it. It was her ...
by duckcalldan
Sat Dec 03, 2016 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 332
Views: 23569

Re: Picking College and College Scholarships

https://en.wikipedia.org/wiki/VCU_School_of_the_Arts` VCU only ranked #2 for Arts which is the major that my daughter is interested in. I got lucky. KlangFool Just came across this thread. Like you, my daughter is enrolled at VCUarts. She's a 2nd year graphics design major and loves it. It was her ...
by duckcalldan
Sun Nov 20, 2016 9:31 am
Forum: Personal Finance (Not Investing)
Topic: New Alliant CU mobile app
Replies: 3
Views: 465

Re: New Alliant CU mobile app

Android app updated. Still waiting for iOS update.
by duckcalldan
Mon Oct 31, 2016 3:41 pm
Forum: Investing - Theory, News & General
Topic: How much international?
Replies: 80
Views: 8019

Re: How much international?

Right at 20%. Could be a bit higher; I feel that because intl has underperformed for several years, it's due to a reversion to the mean.

But I think I'll stay where I am.
by duckcalldan
Sat Oct 29, 2016 9:12 pm
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 76
Views: 7113

Re: Instant oatmeal vs "regular" oatmeal

I love steel cut oats but hate how much time cooking takes. To save time, I make a double batch, sweeten it with a little brown sugar and grade B maple syrup, spoon some into a bowl and ladle the rest into a large nonstick muffin tin. Put the tin in the freezer. Once frozen, pop the frozen oatmeal p...
by duckcalldan
Thu Oct 27, 2016 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity updating retirement planning software
Replies: 4
Views: 659

Re: Fidelity updating retirement planning software

radiowave wrote:Does the Fidelity retirement planner incorporate your funds at Schwab and Vanguard for calculation? If not, you may need to create your own spreadsheet to get a true estimate of your future needs.

Yes. It contains those two and my 401k.
by duckcalldan
Thu Oct 27, 2016 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity updating retirement planning software
Replies: 4
Views: 659

Fidelity updating retirement planning software

I'm in the process of streamlining my brokerage accounts. I'm Flagship with Vanguard and a longtime Schwab customer. Transferred good chunk of Schwab assets earlier this year to Fidelity for a bonus, and I'm deciding whether Schwab or Fidelity will be my broker going forward (and who will get my rol...
by duckcalldan
Tue Oct 25, 2016 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Annual tax maneuvers list
Replies: 14
Views: 1576

Re: Annual tax maneuvers list

Since I joined the forum in 2014, I have done these things every year to minimize taxes / expand tax advantaged space : 1) contribute $5,500 to backdoor Roth 2) buy $10,000 of ibonds 3) tax loss harvest at least $3000 This year I will be adding a 4th: 4) prepay or delay real estate taxes to bunch u...
by duckcalldan
Sun Oct 16, 2016 7:40 pm
Forum: Investing - Theory, News & General
Topic: Is Morningstar Premium worth it?
Replies: 18
Views: 2043

Re: Is Morningstar Premium worth it?

The M* iPad app has an X-ray feature without requiring a premium membership.
by duckcalldan
Sat Oct 08, 2016 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Roth conversion or ACA Silver w cost sharing?
Replies: 14
Views: 1017

Roth conversion or ACA Silver w cost sharing?

I will be early retiring this coming February at age 53. Married filing joint, 2 dependents (19 and 16). No retiree health care so we will purchase an ACA plan. I will rollover my 401k ($800K) into an IRA. I've done the math with Taxcaster and it looks like, after interest, QDs and LTCG, I'll be abl...
by duckcalldan
Mon Sep 19, 2016 8:50 am
Forum: Personal Consumer Issues
Topic: More on Scouting Retirement Locations
Replies: 35
Views: 3249

Re: More on Scouting Retirement Locations

We have friends who retired in Williamsburg, VA. They love it! So much to do in and around the area, fairly low taxes, and a 2-hour drive to the DC area,if that interests you. If I didn't have family here, I would definitely consider Williamsburg. We moved to Williamsburg 11 years ago from the Bay ...
by duckcalldan
Sun Sep 11, 2016 7:37 pm
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 102
Views: 13763

Re: Costco rotisserie chicken

A lot of my friends rave about the Trader Joes 'Simmer Sauces'. I know a lot of the same products are mfr for TJs and Aldi as they're owned by the same parent company. Not quite. Aldi worldwide is actually 2 companies: Aldi Nord and Aldi S├╝d (North & South). They separated in the 1960s over a d...
by duckcalldan
Sun Sep 11, 2016 5:39 pm
Forum: Personal Consumer Issues
Topic: Trip to Norway - Aurora vs. Fjords
Replies: 18
Views: 2012

Re: Trip to Norway - Aurora vs. Fjords

We will be going to Norway next September for our 25th anniversary. First to Stockholm for a few days in the big city, then off to Bergen for the road cycling world championships and the fjords. We will do Norway in a Nutshell back to Oslo and then home. As much as I'd love to see the NLs, I'll be v...
by duckcalldan
Fri Aug 26, 2016 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Fear and Trembling (Aug. 31st is my last day at work)
Replies: 77
Views: 10097

Re: Fear and Trembling (Aug. 31st is my last day at work)

Up to now, your identity has been found in your work. On September 1, your identity will be found in something else. Find that something else. To truly have peace and fulfillment in retirement, you must retire TO something, not just from something. You are making the right choice. As someone who wil...
by duckcalldan
Sat Aug 20, 2016 8:21 pm
Forum: Investing - Theory, News & General
Topic: Something better place to park my cash??
Replies: 16
Views: 2541

Re: Something better place to park my cash??

While I was "thinking" about it, I would let it reside in Vanguard Intermediate Tax Exempt Admiral. https://personal.vanguard.com/us/funds/snapshot?FundId=0542&FundIntExt=INT We've got a good chunk in this same fund. An even larger amount is in Vanguard Short-Term Investment Grade Adm...
by duckcalldan
Fri Aug 05, 2016 9:44 pm
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 58
Views: 3961

Re: Work in Vancouver, WA..possibly live in Camas?

Clark County homeowners: how are your property taxes? Percentage of assessed value (and how close AV is to actual value) and how much are your taxes going up each year? Also considering Clark Co for retirement, for all the reasons mentioned above. Oregon and its 9% marginal tax rate above $16300 MFJ...

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