Search found 70 matches

by faltuk1
Tue Jan 09, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: 2 Year CD ladder
Replies: 1
Views: 361

2 Year CD ladder

For the fixed income part of the allocation, bought following 2 CD's in fidelity IRA account. Wells Fargo Maturing 2/20 - 2.25 Wells Fargo Maturing 2/19 - 1.85 Expected fed rate is 2.1 by end of 2018 and 2.7 by end of 2019. If starting to build the ladder now, does it make sense to have a longer tha...
by faltuk1
Sat Dec 23, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Prepaying for multiple future years of property tax
Replies: 4
Views: 854

Re: Prepaying for multiple future years of property tax

It's been discussed many times recently. I suggest you look at this thread , and especially the Tax Court case referenced in it. Thank you for the thread link. The thread suggests that there is no certainty that this will be allowed by IRS. There are many reputed news publications that are recommen...
by faltuk1
Sat Dec 23, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Prepaying for multiple future years of property tax
Replies: 4
Views: 854

Prepaying for multiple future years of property tax

I live in Loudoun County, VA. They are going to accept prepaying of property taxes. Below is the link - https://www.loudoun.gov/CivicAlerts.aspx?AID=4134 It says "taxpayers may choose to make a prepayment of their future tax payments prior to receiving their bills for upcoming years." It seems to me...
by faltuk1
Thu Dec 04, 2014 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: FEDVIP- Aetna PPO high vs GEHA PPO high
Replies: 1
Views: 715

Re: FEDVIP- Aetna PPO high vs GEHA PPO high

Anybody has these 2 dental plans? Any feedback?

Aetna PPO high
GEHA PPO high
by faltuk1
Thu Dec 04, 2014 9:01 am
Forum: Personal Finance (Not Investing)
Topic: FEDVIP- Aetna PPO high vs GEHA PPO high
Replies: 1
Views: 715

FEDVIP- Aetna PPO high vs GEHA PPO high

I am finally thinking of adding the dental plan and narrowed down to Aetna PPO high and GEHA PPO high. Any preference between the two?
by faltuk1
Thu May 29, 2014 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Erie Insurance Agreement
Replies: 8
Views: 1438

Re: Erie Insurance Agreement

I am being extra cautious because I had not heard of Erie before. I don't remember signing anything like this with my previous insurance companies, allstate, progressive, gieco etc.
by faltuk1
Thu May 29, 2014 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Erie Insurance Agreement
Replies: 8
Views: 1438

Re: Erie Insurance Agreement

So, it means claims are covered by premium collected from other subscriber. So, what happens if there is a big catastrophe and exchange goes into loss? Where would the money come from to cover all the claims?
by faltuk1
Thu May 29, 2014 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Erie Insurance Agreement
Replies: 8
Views: 1438

Erie Insurance Agreement

I am moving all my insurance (Home, Auto, Umbrella) to Erie. I have been asked to sign the below agreement. Is this standard? Should I be worried? SUBSCRIBER’S AGREEMENT The Subscriber ("you" or "your") agrees with the other Subscribers at ERIE INSURANCE EXCHANGE ("ERIE"), a Reciprocal/Inter-Insuran...
by faltuk1
Wed May 28, 2014 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Erie Insurance
Replies: 7
Views: 1052

Re: Erie Insurance

Thanks!!

I have increased Sewer backup and sum pump coverage from $5000 to $25000. This itself added $186 to the premium. Is this coverage worth it?
by faltuk1
Wed May 28, 2014 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Erie Insurance
Replies: 7
Views: 1052

Erie Insurance

I am getting best quotes for my insurance needs (home, auto , umbrella) from Erie Insurance. Anybody used them and any feedback?

The quote I got states "Personal Catastrophe Liability Quote". Is this same as umbrella?
by faltuk1
Wed Feb 05, 2014 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: IS VXUS and VGTSX same?
Replies: 11
Views: 1544

Re: IS VXUS and VGTSX same?

The market is closed, so that's not the market price for VXUS. An ETF can trade at a discount or premium to the NAV. The NAV is calculated in a not-so-accurate method anyways, so the NAV of the ETF could be inaccurate and/or the NAV of the mutual fund could be inaccurate. So the 10 cents is probabl...
by faltuk1
Wed Feb 05, 2014 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: IS VXUS and VGTSX same?
Replies: 11
Views: 1544

Re: IS VXUS and VGTSX same?

VGTSX is just like VXUS, except the way dividends are paid out are different. TDAmeritrade has a list of no-commission ETFs, but you have to sign up for them and follow the rules or you will be charged a commission. VXUS is not in the list, but you can make VXUS by purchasing VEU and VSS which are ...
by faltuk1
Wed Feb 05, 2014 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: IS VXUS and VGTSX same?
Replies: 11
Views: 1544

Re: IS VXUS and VGTSX same?

You don't want to sell VGTSX and then buy VXUS. For one thing, if you have a capital gain you will owe taxes. Vanguard will let you exchange mutual fund shares for ETF shares, at the current NAV, free of charge. You may or may not be able to do this in your current account, but you can if the accou...
by faltuk1
Wed Feb 05, 2014 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: IS VXUS and VGTSX same?
Replies: 11
Views: 1544

IS VXUS and VGTSX same?

I currently have VGTSX in TDAmerica HSA bank linked account. The current balance is $14000. I am transferring additional $11000 from HSA bank account. My plan is to exchange VGTSX for VXUS. Buy VXUS with new money. I think I will incur $25 fee for selling VGTSX and $9.99 for buying VXUS. Does the ab...
by faltuk1
Fri Dec 27, 2013 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: VA529 - VEST [Virginia 529 - inVEST]
Replies: 23
Views: 2655

Re: VA529 - VEST [Virginia 529 - inVEST]

I called VEST and here is what I found out. 1. You need a separate account for each portfolio. 2. A same beneficiary can not have multiple accounts for same portfolio even if accounts are opened by separate individuals. 3. You can tax deduct up to $4000 for each account. I was thinking of opening a...
by faltuk1
Fri Dec 27, 2013 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: VA529 - VEST [Virginia 529 - inVEST]
Replies: 23
Views: 2655

Re: VA529 - VEST [Virginia 529 - inVEST]

I called VEST and here is what I found out. 1. You need a separate account for each portfolio. 2. A same beneficiary can not have multiple accounts for same portfolio even if accounts are opened by separate individuals. 3. You can tax deduct up to $4000 for each account. I was thinking of opening ag...
by faltuk1
Thu Dec 26, 2013 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: VA529 - VEST [Virginia 529 - inVEST]
Replies: 23
Views: 2655

Re: VA529 - VEST

I have a 5 and a 11 year old. What non evolving portfolios would you recommend? Do you also use any rebalancing strategy?
by faltuk1
Thu Dec 26, 2013 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: VA529 - VEST [Virginia 529 - inVEST]
Replies: 23
Views: 2655

Re: VA529 - VEST

Please check out the below link for composition and performance. http://www.virginia529.com/invest/performance/index.php I am just trying to figure out wheather they are underperforming for the stock/fixed income composition they have. The non-evolving portfolios are performing better for the same s...
by faltuk1
Thu Dec 26, 2013 11:53 am
Forum: Investing - Help with Personal Investments
Topic: VA529 - VEST [Virginia 529 - inVEST]
Replies: 23
Views: 2655

VA529 - VEST [Virginia 529 - inVEST]

VEST age based portfolio (Eastern Shore, Chesapeake) have single digit gains this year. The expenses seem high too (.71% and .6%). Are they still good investment? Any suggestions?
by faltuk1
Fri Dec 20, 2013 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Online Saving Bank Account
Replies: 37
Views: 5134

Re: Online Saving Bank Account

Anybody using Smartypig.com? Any feedback? They seem to be paying the most (1 %). It looks you can also get gift crads for retailers like (lowes, macy's) with 3 to 11% extra.
by faltuk1
Wed Dec 18, 2013 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Online Saving Bank Account
Replies: 37
Views: 5134

Online Saving Bank Account

Currently my account is with HSBC and want to transfer to another bank to earn higher interest rate. Any recommendations for online saving accounts? I would like a one where interest rates are little bit more stable instead of a teaser .9% and than dropping to .1% after few months. HSBC account is c...
by faltuk1
Mon Dec 02, 2013 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution
Replies: 9
Views: 720

Re: HSA contribution

Thanks VictoriaF. The only thing so far I find lacking is that GEHA pays only 50% of dental preventative services (cleaning). Considering that I have 4 member family (2 adult and 2 children), with 2 cleanings per year, this could add up (porbably around $500/year out of pocket).
by faltuk1
Mon Dec 02, 2013 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution
Replies: 9
Views: 720

Re: HSA contribution

Thanks VictoriaF. I am going through GEHA coverage now. It looks with 2014 rates, GEHA has now gotten cheaper. Also, they use HSA account with HSA bank. My personal HSA account is with HSA bank. Do you know if they would keep a seperate account or would contribute to my existing account? Are you ove...
by faltuk1
Mon Dec 02, 2013 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution
Replies: 9
Views: 720

Re: HSA contribution

Thanks VictoriaF. Have you done any comparision of GEHA vs Aetna? Any suggestions? Pricewise, Aetna is little ceaper.
by faltuk1
Mon Dec 02, 2013 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution
Replies: 9
Views: 720

HSA contribution

I am a federal employee and enrolled in Aetna HDHP. The plan contributes $1500 to my HSA account. Does this count towards my annual contribution of $6450, meaning I am limitied to $4950 ($6450-$1500)?
by faltuk1
Sat Oct 26, 2013 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Aetna HDHP
Replies: 7
Views: 1659

FEHB Aetna HDHP

I have been with Aetna HDHP for last 2 years. The premiums have gone quite considerably in last 2 years. Any opinion on HDHP plans in FEHB. I live in Northern Virginia and non postal.
by faltuk1
Thu Jul 26, 2012 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: TRowe Price Portfolio Xray not working
Replies: 41
Views: 3988

TRowe Price Portfolio Xray not working

I have been using Morningstar Tools via TRowe Price website. For last couple of weeks the Portfolio Xray is not working. It shows 0% for everything in the portfolio. It shows the breakup for S&P 500 benchmark, but not for the portfolio funds. Any idea?
by faltuk1
Sun Dec 19, 2010 8:46 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Interview, December 2010
Replies: 2
Views: 869

If 100% of the investor's buy low cost index funds, who will make the market?
by faltuk1
Sat Nov 27, 2010 8:21 am
Forum: Investing - Help with Personal Investments
Topic: How and where to invest Cash Savings
Replies: 32
Views: 3958

"Saving account earning 4%"

Thats a pretty good deal. Are you sure this is a saving account? Anyhting earning more than 2% currently has to be lot more risky than saving account.
by faltuk1
Sat Nov 27, 2010 8:15 am
Forum: Personal Finance (Not Investing)
Topic: HSA and Tax Question -- penalty if I get hired by company??
Replies: 2
Views: 725

This applies only if you get eligible using last month rule and make $6150 full year contribution for 2010. If you don't use last month rule, and get eligible only in 2011 then you don't have to worry about it. Just make "annual contribution limit"/12 every month to your HSA account if you are worri...
by faltuk1
Wed Oct 20, 2010 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Health Care 2014 and early retirement
Replies: 43
Views: 6586

This is not a tax credit. This is a direct subsidy. A family of 4 making $50000 would not be paying enough taxes to get enough tax credit. Where does the $9000+ come from? I am guessing the other tax payers. Assuming it is not a "refundable" credit, it is not coming from anyone but yourself, it's a ...
by faltuk1
Tue Oct 19, 2010 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care 2014 and early retirement
Replies: 43
Views: 6586

Re: Health Care 2014 and early retirement

That is exactly my point. The law does give some certainty to early retirees. I am starting to warm up to this law. I just wanted to know your opinion on if new health care subsidy go into effect starting 2014, won't it be wonderful for people retiring early? It looks the law will pay for premium ov...
by faltuk1
Tue Oct 19, 2010 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Health Care 2014 and early retirement
Replies: 43
Views: 6586

Come 2014, if this part of the law stays as is, why not? If you are planning to retire early in 2015, how much do you plan for health care expense?
zinnia wrote:I wouldn't approach early retirement with any certainty over health care costs.
by faltuk1
Tue Oct 19, 2010 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Health Care 2014 and early retirement
Replies: 43
Views: 6586

Health Care 2014 and early retirement

One of the biggest unknown and hurdle for someone who is planning to retire early is the health care cost. I just wanted to know your opinion on if new health care subsidy go into effect starting 2014, won't it be wonderful for people retiring early? It looks the law will pay for premium over 9.5% o...
by faltuk1
Fri Oct 08, 2010 9:24 am
Forum: Investing - Theory, News & General
Topic: Lower Minimum on Admiral Shares
Replies: 110
Views: 14777

Would the conversion result in capital gain tax? I am impressed that VG made it so easy for me to convert my 3 funds that are over $10k and not previously Admiral-qualified. It took me less that 5 minutes to convert them to Admiral. Then again, why didn't VG just convert them w/o me? I guess there i...
by faltuk1
Sat Oct 02, 2010 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Retirement/Early Retirement without pension
Replies: 31
Views: 6205

Wow! Could you please tell how much of $200K is tution and how much other? Is this Ivy league school expense? $200K/kid, meaning $100K/kid in todays dollors? So I guess I need minimum of $1.2 mil to retire. For two kids to go to college in 15 years (more or less), I'd figure $200K a kid, minimum, fo...
by faltuk1
Fri Oct 01, 2010 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement/Early Retirement without pension
Replies: 31
Views: 6205

"working part time and earning $1,000 per month" Could you please give few examples of these kind of jobs. I definitely don't want to work in retail. The job I do currently, I have never seen a part time person. so that option is more or less closed. 4. Anything else you want to share. When you thin...
by faltuk1
Fri Oct 01, 2010 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement/Early Retirement without pension
Replies: 31
Views: 6205

$200K/kid, meaning $100K/kid in todays dollors? So I guess I need minimum of $1.2 mil to retire. For two kids to go to college in 15 years (more or less), I'd figure $200K a kid, minimum, for tuition, room and board. And that's conservative. Of course, you can always send them to community college f...
by faltuk1
Fri Oct 01, 2010 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement/Early Retirement without pension
Replies: 31
Views: 6205

Real estate taxes and current health insurance premiums are included in $40000 expense. This also included $5000 misc expenses. So based on 25 times I atleast need $1 mil. plus whatever you want to pay for college? If I want to pay for all of their tution and boarding, how much minimum should I incl...
by faltuk1
Fri Oct 01, 2010 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement/Early Retirement without pension
Replies: 31
Views: 6205

Most of the people I see retire early including on this forum seems to have pension. If you retire before your children have been through college, doesn't it complicate figuring out how much to save? Lets take my example and please help figure out how much I need to save to call it quits. Age 40. Ch...
by faltuk1
Fri Oct 01, 2010 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Retirement/Early Retirement without pension
Replies: 31
Views: 6205

Re: Retirement/Early Retirement without pension

Thanks for your reply. If you don't mind asking, do you have children? I also plan on retiring early, preferably before 50. I am 40 now, and my youngest one is only 2. I would like to hear from those who have retired and have no pension. Some of the things I would like to know - 1. At what age did y...
by faltuk1
Thu Sep 30, 2010 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Retirement/Early Retirement without pension
Replies: 31
Views: 6205

Retirement/Early Retirement without pension

I would like to hear from those who have retired and have no pension. Some of the things I would like to know -

1. At what age did you retire?
2. How do you have your portfolio invested?
3. Level of anxiety due to absence of fixed income like pension?
4. Anything else you want to share.

Thanks!
by faltuk1
Wed Aug 11, 2010 8:25 am
Forum: Investing - Theory, News & General
Topic: I don't understand the recent surge in TIP
Replies: 11
Views: 3977

Real rates are falling, so the value of bonds, including TIPS, goes up. TIPS are treasury securities, which benefit from moves to safety and liquidity in bad economic times. These are more than enough to counteract deflation influences. You would expect real rates component of the TIPS to go up, if...
by faltuk1
Thu Jul 22, 2010 9:41 am
Forum: Investing - Theory, News & General
Topic: United States Treasury bonds TIPS 2.375% 01/15/2025
Replies: 2
Views: 919

United States Treasury bonds TIPS 2.375% 01/15/2025

When I look at this TIP under INCONE PRODUCTS section of Fidelity website, it shows the price as 126.667112. I also own this TIP, and when I look at it via my portfolio positions, it lists most recent price as 109.523. What gives? I changed the CAPS in your title to lower case. CAPS are for forum an...
by faltuk1
Fri May 07, 2010 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Trying to understand individual bond
Replies: 9
Views: 1285

Re: Trying to understand individual bond

Here is the listing of AIG bond from Fidelity, showing yield to ask of 7.3%. Considering that AIG is owned by US govt, isn't it a good buy? AMERICAN INTL GROUP INC MTN BE 5.45000% 05/18/2017FR At a guess there is a risk of being called early. It's a Medium Term Note, rather than a bond, which has i...
by faltuk1
Fri May 07, 2010 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Trying to understand individual bond
Replies: 9
Views: 1285

Re: Trying to understand individual bond

Here is the listing of AIG bond from Fidelity, showing yield to ask of 7.3%. Considering that AIG is owned by US govt, isn't it a good buy? AMERICAN INTL GROUP INC MTN BE 5.45000% 05/18/2017FR At a guess there is a risk of being called early. It's a Medium Term Note, rather than a bond, which has i...
by faltuk1
Fri May 07, 2010 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Trying to understand individual bond
Replies: 9
Views: 1285

Re: Trying to understand individual bond

Here is the listing of AIG bond from Fidelity, showing yield to ask of 7.3%. Considering that AIG is owned by US govt, isn't it a good buy? AMERICAN INTL GROUP INC MTN BE 5.45000% 05/18/2017FR I don't know what AIG's relationship to the U. S. government is. It's probably pretty complicated. 7-year ...
by faltuk1
Fri May 07, 2010 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Trying to understand individual bond
Replies: 9
Views: 1285

Trying to understand individual bond

Here is the listing of AIG bond from Fidelity, showing yield to ask of 7.3%. Considering that AIG is owned by US govt, isn't it a good buy?

AMERICAN INTL GROUP INC MTN BE 5.45000% 05/18/2017FR
by faltuk1
Thu Dec 31, 2009 4:27 pm
Forum: Investing - Theory, News & General
Topic: Hi Yield Bond Funds - Bond or Equity?
Replies: 37
Views: 6498

It's like asking whether ice cream should be considered ice or cream. Non-investment-grade bonds are fundamentally different from investment-grade bonds because the chance of default can't be ignored, and therefore the value of the investment depends on one's judgement of the business prospects of ...
by faltuk1
Thu Dec 31, 2009 1:08 pm
Forum: Investing - Theory, News & General
Topic: Hi Yield Bond Funds - Bond or Equity?
Replies: 37
Views: 6498

Re: Hi Yield Bond Funds - Bond or Equity?

Hi Yield bond funds - Do you consider them part of bond allocation or equity allocation? In my opinion, any thing that produces equity like returns should be considered part of equity allocation. Any opinions? If I were to use them, which I don't and probably never will, I'd consider them part equi...