Search found 20 matches

by jon7417
Sat Oct 21, 2017 8:24 am
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 386
Views: 195048

Re: Suggestions for the Wiki

Please consider adding this company to the HSA Wiki. https://www.bogleheads.org/wiki/Health_savings_account (I have been researching for an alternative HSA bank with the recent TD ameritrade Vanguard Free-ETF changes and this is an excellent low cost HSA with quality investment options.) Add the fol...
by jon7417
Tue Oct 17, 2017 9:22 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 333
Views: 17926

Re: TD Ameritrade Free ETF program changing...

Many thanks. I promise I searched before posting!

Admin, please delete this or merge with the previous thread.
Sorry for the duplicate.
by jon7417
Tue Oct 17, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 333
Views: 17926

TD Ameritrade Free ETF program changing...

I use TD Ameritrade for my HSA Account and invest in Vanguard ETF Index Funds. Received this unfortunate news in my inbox this morning.... They make it sound like exciting news, but I am not excited as didn't see Vanguard funds on the Free ETF trade list. Not sure of the new fund expense ratios, but...
by jon7417
Mon Oct 02, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Confusion About Preventing Theft of IRS Tax Data
Replies: 23
Views: 2764

Re: Confusion About Preventing Theft of IRS Tax Data

I have similar questions about filing the IRS form 14039. 1) I am not a *known* victim of identity theft but was notified by a .gov account my information likely hacked last year. Should I still file form 14039? 2) Does filing a form 14039 enroll me in the Identity Protection-PIN IRS program? Does i...
by jon7417
Tue Jan 20, 2015 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Starting to Invest - 26 Years Old
Replies: 14
Views: 1957

Re: Starting to Invest - 26 Years Old

If you are planning to buy a home within 5 years i would not invest. You realize you could lose 50%?
For a longer herizon thats fine but if it is your downpayment, consider safe alternatives like cd's or short term bond fund
by jon7417
Fri Dec 05, 2014 5:59 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Only Invests in Mutual Funds that Beat the S&P
Replies: 23
Views: 5856

Re: Dave Ramsey Only Invests in Mutual Funds that Beat the S

I have happily deleted Dave from my iphone podcasts/etc. He was helpful for motivation to get out of debt.... but now I have no use for him. Thankfully I didn't follow his advice of not contributing to 401k's and IRA's while getting out of debt. Sure there are several funds that beat the index funds...
by jon7417
Thu Dec 04, 2014 10:00 am
Forum: Investing - Help with Personal Investments
Topic: portfolio question: All TR funds or individual funds?
Replies: 9
Views: 1394

Re: portfolio question: All TR funds or individual funds?

thanks for all the advice.

planning to keep TR funds as sole fund.
Down the road, when taxable grows considerably in size, may split things up.
by jon7417
Tue Dec 02, 2014 8:42 am
Forum: Investing - Help with Personal Investments
Topic: portfolio question: All TR funds or individual funds?
Replies: 9
Views: 1394

portfolio question: All TR funds or individual funds?

Hello, We are new "bogleheads" and are trying to get things in order. Hoping for some insight on our portfolio. Here is some background information and questions below. Thanks for your time. Jon ----------------------------------------------- Background: Emergency funds: 2k, Goal, 3 months...
by jon7417
Sat Jan 18, 2014 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: student loan interest
Replies: 19
Views: 1547

Re: student loan interest

wow, sorry to stir up all this controversy! here is the response i received from the loan company (Mohela). "After speaking with someone in our accounting department, our records indicate that you paid $9,270.50 in interest and $19,305.06 was left from an interest capitalization from 2010 when ...
by jon7417
Fri Jan 17, 2014 8:33 am
Forum: Personal Finance (Not Investing)
Topic: student loan interest
Replies: 19
Views: 1547

Re: student loan interest

they take any interest balance first on day loan is paid, then any extra goes towards principal.
i don't think this is pre-paying, but not sure.
by jon7417
Fri Jan 17, 2014 7:58 am
Forum: Personal Finance (Not Investing)
Topic: student loan interest
Replies: 19
Views: 1547

student loan interest

Received my 1098-E student loan form and have a question re: interest. In 2013, we aggressively paid student loans down (minium + lots extra) compared to 2012 when we paid minimum payments only. In 2012, we paid $9500 in student loan interest. In 2013, we paid $28,500 in student loan interest! Why h...
by jon7417
Tue Jan 14, 2014 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Indiana College 529 Investment Question "Unit Price"
Replies: 4
Views: 380

Re: Indiana College 529 Investment Question "Unit Price"

i thought about that idea, but don't care for the "Loomis Sayles Absolute Strategies Fund" that is lumped in with it. My average exp ratio for my 3 funds is 0.55% (non weighted, would be less if weighted). 0.50% seems like a better overall exp. ratio. Does the fund automatically adjust the...
by jon7417
Tue Jan 14, 2014 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Indiana College 529 Investment Question "Unit Price"
Replies: 4
Views: 380

Indiana College 529 Investment Question "Unit Price"

Was looking at my year end statements for my son's 529 account. I noticed that the year end 2013 statement is not that different from start of 2014. I specifically wondered about how dividends/distributions were paid for my funds. I have 3 funds in the account (Vanguard Institutional Total Stock Mar...
by jon7417
Mon Nov 04, 2013 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Automatic investing in a taxable account
Replies: 10
Views: 998

Re: Automatic investing in a taxable account

If you can afford to do $1000 monthly in one lump sum, I would personally do this instead of divided up every week. You are asking about Dollar Cost Averaging vs Lump Sum. There are plenty of articles on DCA- here is one from Vanguard 2012 I enjoyed m Basically it is invested "longer" and ...
by jon7417
Mon Nov 04, 2013 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Remote deposit check capture limits
Replies: 12
Views: 1345

Re: Remote deposit check capture limits

thanks most i've seen is 10k, but I'm looking for amount higher than this (20k max would be fine).
vanguard has a 10k max. wonder if they would make exception to higher amount since we have several accounts with them.
USAA is another bank that does this, but 10k is max.
by jon7417
Sun Nov 03, 2013 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Remote deposit check capture limits
Replies: 12
Views: 1345

Remote deposit check capture limits

Anyone know of any online (or physical banks) that offer online remote deposit check services with high limits? I.e. 10k-20k?
Most I've seen is 10k max daily.
by jon7417
Sat Oct 26, 2013 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard IRA fund minimum ideas
Replies: 4
Views: 820

Re: Vanguard IRA fund minimum ideas

thank you, that makes me feel much better with your explanation of the tax thing. (Now getting it to work in the tax software this year will be another adventure, lol). i'll just keep the $1 in trad IRA and continue monthly conversions leaving that minimal amount. When we are out of debt I will be a...
by jon7417
Fri Oct 25, 2013 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard IRA fund minimum ideas
Replies: 4
Views: 820

Vanguard IRA fund minimum ideas

Hello, I have a Vanguard IRA fund-minimum question. I routinely use the "back door" route of converting Trad IRA to Roth IRA on a monthly basis for both my wife and myself. The Trad IRA is a money market fund and when I convert it over, I transfer it into our asset allocation funds (not mo...
by jon7417
Mon Jul 01, 2013 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: 401k question [Change to Roth 401(k)?]
Replies: 20
Views: 1448

Re: 401k question [Change to Roth 401(k)?]

thanks to everyone for the replies. loving this forum and the wealth of information For the technical details: Thanks for the good point about non-deductible and deductible contributions. I didn't realize there were (already) both in the account as others mentioned...the deductible employee (my) con...
by jon7417
Mon Jul 01, 2013 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: 401k question [Change to Roth 401(k)?]
Replies: 20
Views: 1448

401k question [Change to Roth 401(k)?]

First time poster. Have really enjoyed reading so far. I apologize in advance if this question has been answered, but on my brief search couldn't find anything. Question regarding my 401k that I’ve had for 1 year. Currently the balance is around 50k. Up to this point I have been doing pre-tax 401k c...