Search found 30 matches

by Chesterfield
Fri Nov 30, 2018 2:16 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 663
Views: 46856

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

The assets for my transfer from TDA/Lively to Fidelity posted this morning. It took 3 days. Here's the timeline: ○ 11/27 Tue : Transfer request submitted online at Fidelity. Uploaded copy of TDA statement. Fidelity indicates a 12/4 completion date. ○ 11/28 Wed : TDA login access disabled. List of a...
by Chesterfield
Fri Nov 09, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 493
Views: 49549

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I asked in a couple chats and also internal messaging system regarding breaking no penalty CD and move to higher one should Ally offers it before 1/16 and I was told yes repeatedly. They all said that bonus is looked at the balance of all open accounts at Ally through 1/15/2019. Therefore, you're fr...
by Chesterfield
Mon Oct 15, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 493
Views: 49549

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I don't currently have Ally, so can anyone help me verify if "fund by 10/31" means: 1) Schedule a transfer at Ally's bank to pull $ from an external bank on 10/31? Or, 2) Schedule a transfer at Ally's bank say 3 business days to ensure $ arrives at Ally's account by 10/31? I'm guess #1 b/c T&C says ...
by Chesterfield
Mon Oct 15, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5732

Re: Which is better CD - rates and terms?

+1. I too want to extend my appreciation for Kevin's well written and concise messages in this regard. Thank you Kevin for taking the time out to reply. This is a follow-up and thank you to KevinM. I purchased the Treasury bills @ Schwab this morning. As you said it was easy, no commissions, and the...
by Chesterfield
Fri Oct 12, 2018 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5732

Re: Which is better CD - rates and terms?

Hi Kevin, Trying to learn more about "Treasury" stuff here, but will you please help me w/ these questions below: 1) Why (or in which ways) does 6 month Treasury have much better liquidity than say 7 month NWFCU CD? 2) Where & how does one buy Treasury on auction? 3) What are the pros and cons betwe...
by Chesterfield
Fri Oct 12, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10635

Re: Short Term Bond yield over 3%

Pls remind me again, are Treasury bond funds are only state tax exempt correct, not federal tax exempt? Correct. Can you provide a quick calculations for hypothetical TEY for Treasury Admiral using personal 5% state income tax rate and 25% federal tax rate VS current yield on CD? Thanks. There is n...
by Chesterfield
Fri Oct 12, 2018 12:08 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 10103

Re: What is your annual cost for health insurance?

Another option: If you plan ahead and arrange your finances properly, you can qualify for very good, inexpensive health insurance through the ObamaCare exchange. That's what we did. Would you mind sharing how you managed this? Is it because you have low net worth or because you have everything in r...
by Chesterfield
Thu Oct 11, 2018 10:40 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10635

Re: Short Term Bond yield over 3%

Pls remind me again, are Treasury bond funds are only state tax exempt correct, not federal tax exempt? Can you provide a quick calculations for hypothetical TEY for Treasury Admiral using personal 5% state income tax rate and 25% federal tax rate VS current yield on CD? Thanks. Which is why I'll be...
by Chesterfield
Mon Mar 12, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 94
Views: 14747

Re: Sharonview FCU 64 month CD - 4%

I started online application on Friday PM (before knowing that they'd pull the CD offer). Got a member's number at the end of the online app. I emailed them my DL after that w/o them asking me. On Saturday, I went to a shared branch and deposited the money. On Monday AM, I got assigned a specific re...
by Chesterfield
Fri Aug 19, 2016 12:58 am
Forum: Investing - Help with Personal Investments
Topic: Is this periodic investment tax-efficient?
Replies: 1
Views: 264

Is this periodic investment tax-efficient?

Please advise whether monthly investment allocation tax-efficient for someone in 33% tax bracket with desired AA as follows: 35% Total Stock 25% Total International 15% Small Caps Value 10% REITS 15% Total Bonds Tentative monthly investment contributions percentages: Taxable (50%) —> 25%Total Stock ...
by Chesterfield
Mon Jun 27, 2016 2:03 pm
Forum: Investing - Theory, News & General
Topic: Fund swaps to harvest losses
Replies: 13
Views: 1286

Re: Fund swaps to harvest losses

Gee, by waiting I harvested over $8k. I'm making money! :x I went ahead and sold off what I had in the IRA too, just for good measure. I'll do some research on alternatives or bide my time before getting back into SCHF, my favorite low cost vehicle for international. Why do you need to sell shares ...
by Chesterfield
Wed Apr 06, 2016 5:32 pm
Forum: Investing - Theory, News & General
Topic: DCA considerations
Replies: 56
Views: 5319

Re: DCA considerations

Livesoft, yes, I saw your post and I did just that. Thank you for that PSA. Please continue to do so again in the future for others or if I should be so lucky to get another windfall :) Thanks again for the thoughtful responses. [...] I did receive a windfall not long ago (though terms are not the s...
by Chesterfield
Wed Jan 20, 2016 3:39 pm
Forum: Investing - Theory, News & General
Topic: Why buy now, why not wait until the market really crashes??
Replies: 79
Views: 13739

Re: Why buy now, why not wait until the market really crashes??

Livesoft, how do you continue to have liquid $ to invest what seems like every down day? May I ask what's your AA? I'm not talking rebalance, TLH, or I'm making regular period contributions to tax advantaged vehicles (IRA, 401k, etc.) Do share please? Thanks.
by Chesterfield
Wed Nov 25, 2015 1:49 am
Forum: Personal Finance (Not Investing)
Topic: Heads up: LONG rollover TSP to Vanguard
Replies: 29
Views: 5121

Re: Heads up: LONG rollover TSP to Vanguard

For Indirect Rollover (RO) 1) You can request DO NOT withhold any taxes or penalty from the institution and have check sent to you, say on day 1. When I called TSP they told me that they would withhold Federal taxes if they sent the distribution directly to me, and there is no way around it. I wond...
by Chesterfield
Tue Nov 24, 2015 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Heads up: LONG rollover TSP to Vanguard
Replies: 29
Views: 5121

Re: Heads up: LONG rollover TSP to Vanguard

For Indirect Rollover (RO) 1) You can request DO NOT withhold any taxes or penalty from the institution and have check sent to you, say on day 1 2) On day 2, log into your account or call up and ask the exact amount of the check that is being sent to you assuming they SOLD shares/liquidated by now. ...
by Chesterfield
Mon Nov 23, 2015 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Heads up: LONG rollover TSP to Vanguard
Replies: 29
Views: 5121

Re: Heads up: LONG rollover TSP to Vanguard

It's probably too late now, but if you haven't done a indirect Rollover in the past 12 months, you can do that for this case -- much faster and simpler. You can google/inquire Indirect Rollover -- very simple process and almost instantaneous rollover.
by Chesterfield
Fri Nov 13, 2015 4:57 pm
Forum: Investing - Theory, News & General
Topic: Rekenthaler Report - Bogle: Stocks 6%, Bonds 3%
Replies: 22
Views: 3507

Re: "Bogle (& Nolan): Stocks 6%, Bonds 3%"

Valuations matter. At the current Shiller P/E of 25.6 , equity returns going forward are likely to be below the historical average. Here's a chart from a Doug Short article earlier this week, assuming an investor had started at the 2000 peak. Nominal return on the S & P 500 from 2000 through Novemb...
by Chesterfield
Tue Nov 10, 2015 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: When To Justify Expensive Wants?
Replies: 79
Views: 8836

Re: When To Justify Expensive Wants?

"Remember also that Warren Buffett has a lot more money than you and he drives a beater. Not an apples to apples comparison, I know, but something to consider." Last I heard, WB is no longer driving a beater, I believe. Anyway, you only live once OP, buy it if that is what your heart desires. You're...
by Chesterfield
Wed Oct 14, 2015 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 557
Views: 328457

Re: Mango prepaid card - 4.8% (effective) APY

Update: I received $24.05 in interest per card this month= 5.77% APY. I have four. I have not been charged the $3 monthly fee yet (Net $21.05 = 5.05 APY after fee) Deduct short-term capitals gains. I set up a $503 ACH transfer and $500 withdraw directly from Chase. This counts as direct deposit. It...
by Chesterfield
Tue Oct 13, 2015 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: How to DCA or Lump-Sum
Replies: 3
Views: 365

Re: How to DCA or Lump-Sum

I'd invest 50% now (today) and then the rest over the next 10 months or less. That would be 5% (of total) per month at a minimum, but if the stock market (or a portion of it) has a Really Bad Day, then I would invest another 5% on that day, too. If the cash came from selling stocks recently, then I...
by Chesterfield
Tue Oct 13, 2015 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: How to DCA or Lump-Sum
Replies: 3
Views: 365

How to DCA or Lump-Sum

I have $700K in cash that I want to DCA over the next 10 months. Should I DCA daily, weekly, bi-weekly or monthly? What's your strategy? If I were to lump-sum (since I've warmed up to the idea recently), again what's the strategy? 1 day or over several days? 100% of the new invested money will go in...
by Chesterfield
Mon Oct 12, 2015 1:18 pm
Forum: Investing - Theory, News & General
Topic: when to enter the market in a taxable account.
Replies: 25
Views: 2400

Re: when to enter the market in a taxable account.

Thanks, I hear what you guys are saying. One poster asked what would have happened if I applied my strategy in 2011. The answer is of course I never would have gotten back in. Another talked about the penalty for being wrong if the market runs away as the consequences can be disastrous. I was think...
by Chesterfield
Mon Oct 12, 2015 11:04 am
Forum: Investing - Theory, News & General
Topic: when to enter the market in a taxable account.
Replies: 25
Views: 2400

Re: when to enter the market in a taxable account.

I'm in the same situation as OP and have 7 figures sitting in cash (not inherited, however). It also makes up 1/2 of my net worth, so I'm a bit conservative as I only plan to work another 7 years when I reach 51. I will need to draw from my investments for income for about 13-15 years before I can t...
by Chesterfield
Sat Oct 03, 2015 11:08 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 361
Views: 38750

Re: Northwest FCU 3-year 3.04% Add-On CD

Wow, these people are swamped!! I called about 8AM West coast time this morning 10-3-15 and the person on the phone said they had over 150k apps submitted Wednesday night alone!! This could take some time for all our apps to go through the mill. If that's true, they will have a big headache. NCUA r...
by Chesterfield
Sat Oct 03, 2015 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: ALLY Bank and the new tier announcement
Replies: 128
Views: 30692

Re: ALLY Bank and the new tier announcement

This weekend I've received $150 in bonuses for opening $10k accounts at Discover and Synchrony. I received mail offering the $50 bonus for the Synchrony Bank savings account. Must keep $10K there for 60 days. With a base APY of 1.05%, this comes to an effective APY of 4.16% if you were to keep the ...
by Chesterfield
Fri Oct 02, 2015 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: 401k from former job
Replies: 6
Views: 630

Re: 401k from former job

RO in kind may be very possible in your case
by Chesterfield
Fri Oct 02, 2015 3:47 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 361
Views: 38750

Re: Northwest FCU 3-year 3.04% Add-On CD

I just spoke with Brandy at Northwest FCU about the IRA option and whether they would lock the rate during an IRA transfer. After checking with management Brandy said they will not lock the rate and could not confirm when the promotion ends. Too bad, but thanks for updating us on this, Bustoff. Bas...
by Chesterfield
Thu Oct 01, 2015 11:32 pm
Forum: Investing - Theory, News & General
Topic: You won't get to the Promised Land by investing in stocks
Replies: 139
Views: 15438

Re: You won't get to the Promised Land by investing in stocks

VictoriaF wrote:If the land is promised, don't you get there with or without stocks?

Victoria
:D LOL :sharebeer
by Chesterfield
Tue Sep 29, 2015 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Oh The Market
Replies: 18
Views: 2855

Re: Oh The Market

I TLHed for the first time in life, yesterday. Also invested a bit. I was going to put a lot more cash in, but resisted. Somehow having just TLHed, I had no inclination to invest much more for now. Current AA is 41% equities and 59% cash. I want to get a lot more aggressive (80%/20%) ... just waitin...