Search found 68 matches

by SciurusVulgaris
Wed Sep 16, 2020 10:36 am
Forum: Personal Consumer Issues
Topic: Limited Purpose FSA: What to Buy with Excess Funds?
Replies: 17
Views: 950

Re: Limited Purpose FSA: What to Buy with Excess Funds?

As I understand it, Limited Purpose FSA can only be used for dental and vision expenses. So you could get some really expensive prescription sunglasses. Or as someone said above, an extra dental cleaning if you can bunch that into this year. Agree in general, but per Investopedia: "In some cases, a...
by SciurusVulgaris
Mon Sep 14, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Limited Purpose FSA: What to Buy with Excess Funds?
Replies: 17
Views: 950

Re: Limited Purpose FSA: What to Buy with Excess Funds?

If medical only, I've been able to spend hundreds (not thousands) on pretty comprehensive pre-packaged medical kits and sunscreen / makeup with sunscreen. As I understand it, Limited Purpose FSA can only be used for dental and vision expenses. So you could get some really expensive prescription sun...
by SciurusVulgaris
Mon Sep 14, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: Limited Purpose FSA: What to Buy with Excess Funds?
Replies: 17
Views: 950

Re: Limited Purpose FSA: What to Buy with Excess Funds?

JS-Elcano wrote: Sun Sep 13, 2020 2:34 pm Why did you chose $2000?
I was in the same boat when an expensive procedure was cancelled due to CV19. It was rescheduled, but for a while I was looking at how to spend a couple thousand dollars.
by SciurusVulgaris
Fri Aug 21, 2020 10:39 am
Forum: Personal Consumer Issues
Topic: Cyclists...where are you getting your masks?
Replies: 65
Views: 5805

Re: Cyclists...where are you getting your masks?

Black Death not a good comparison, check. Wear a mask if 'other people around', not well enough defined. The thread specifically asks about bicycling, an inherently outdoor, socially distanced activity. I'm not the greatest and certainly not the youngest cyclist, but I go hard (for me) for 1-1/2 to...
by SciurusVulgaris
Mon Aug 10, 2020 3:13 pm
Forum: Investing - Theory, News & General
Topic: Buy TIPS Mutual Fund or I-Bonds?
Replies: 28
Views: 2868

Re: Buy TIPS Mutual Fund or I-Bonds?

Check out the wiki for some info: https://www.bogleheads.org/wiki/I_Bonds_vs_TIPS I look at it this way. TIPS have issues in taxable. I-Bonds have relatively low limits. Treasuries are good, but may not be good for taxable. ST Corporate bonds have a higher yield but more risk. For me, I choose I-Bon...
by SciurusVulgaris
Tue Aug 04, 2020 12:15 pm
Forum: Personal Consumer Issues
Topic: Cyclists...where are you getting your masks?
Replies: 65
Views: 5805

Re: Cyclists...where are you getting your masks?

It's not going to protect you like an N95 mask, but consider the Outdoor Research Essential Mask.
by SciurusVulgaris
Sun Aug 02, 2020 4:59 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 16257

Re: Coronavirus Flight Cancel Thread

I did find a link to file a web complaint on the Air Canada site, but it forwarded me to the home page. Maybe they don't need to maintain a web form since they're a Canadian company operating in the US, or maybe the information specifically for a written complaint is there but I missed it. I went a...
by SciurusVulgaris
Wed Jul 01, 2020 3:55 pm
Forum: Personal Investments
Topic: Fidelity mega backdoor roth not easy?
Replies: 19
Views: 1174

Re: Fidelity mega backdoor roth not easy?

You may be able to automatically roll after-tax contributions into a Roth 401k. You'll probably have the same funds to choose from as your pretax 401k. And you might have to allocate all of the funds the same way. This is not ideal since it's generally considered better to put high growth investment...
by SciurusVulgaris
Tue Jun 23, 2020 9:19 pm
Forum: Personal Investments
Topic: After-tax 401k rollover to Roth IRA
Replies: 6
Views: 516

Re: After-tax 401k rollover to Roth IRA

N.Y.Cab wrote: Tue Jun 23, 2020 4:55 pm Would like to add that In case of a loss, convert an extra amount from the pre-tax sub account so that the conversion total is above the cost basis from after-tax contribution.
I'm not sure if every 401k allows this. I was told it wasn't an option for my company's plan.
by SciurusVulgaris
Tue Jun 23, 2020 2:25 pm
Forum: Personal Investments
Topic: After-tax 401k rollover to Roth IRA
Replies: 6
Views: 516

Re: After-tax 401k rollover to Roth IRA

When I do this, they ask me if I want to 1) pay the tax and roll the earnings into the Roth IRA, or 2) roll the earnings into a Traditional IRA. I've only ever chosen #1. If your earning are small enough, you might as well pay the tax to keep things simple. I think White Coat Investor has a number o...
by SciurusVulgaris
Wed Jun 10, 2020 11:13 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 16257

Re: Coronavirus Flight Cancel Thread

File a US Dot compliant against Air Canada. Chase hands are tied by Air Canada. I'm sitting on hold back with Chase UR/Expedia. While I was waiting, I noticed the DOT site I linked above has this: What if I purchased or reserved my ticket through a travel agent or online travel agency? The refund/r...
by SciurusVulgaris
Tue Jun 09, 2020 5:30 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 16257

Re: Coronavirus Flight Cancel Thread

File a US Dot compliant against Air Canada. Chase hands are tied by Air Canada. I'm sitting on hold back with Chase UR/Expedia. While I was waiting, I noticed the DOT site I linked above has this: What if I purchased or reserved my ticket through a travel agent or online travel agency? The refund/r...
by SciurusVulgaris
Tue Jun 09, 2020 10:52 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 16257

Re: Coronavirus Flight Cancel Thread

I had a round trip international flight, from US to China with a stop in Canada, with Air Canada scheduled for the end of May. I booked with the Chase Ultimate Rewards portal for around 60k UR points. The trip was cancelled in by Air Canada in April and since then I've been trying to get a refund in...
by SciurusVulgaris
Mon May 04, 2020 1:44 pm
Forum: Personal Consumer Issues
Topic: All gift cards orders on cardcash.com declined?
Replies: 14
Views: 1353

Re: All gift cards orders on cardcash.com declined?

It isn't just cardcash who does this. Awhile back I bought a $100 Sling gift card from the PayPal gifts site. First order, no problem. Ordered another one a few days later, they cancelled for "suspicious behavior". They are trying to prevent easy money laundering, where thieves buy multiple e-gift ...
by SciurusVulgaris
Mon May 04, 2020 6:41 am
Forum: Personal Consumer Issues
Topic: All gift cards orders on cardcash.com declined?
Replies: 14
Views: 1353

Re: All gift cards orders on cardcash.com declined?

I had an almost identical experience a couple of years ago. Buying $250 of LL Bean gift cards with an AMEX card. First approved then declined. It took cardcash.com several days and two phone calls to reverse the charge. It was my first (and last) time trying to buy from them. This was one of my fea...
by SciurusVulgaris
Sun May 03, 2020 7:44 pm
Forum: Personal Consumer Issues
Topic: All gift cards orders on cardcash.com declined?
Replies: 14
Views: 1353

Re: All gift cards orders on cardcash.com declined?

It may be due to something about your order triggered a fraud alert. Does the information in your account and the shipping address match what your credit card issuer knows about you? Phone number, address, name, is all the same? The address, phone, etc... match the card. And if I accidentally did s...
by SciurusVulgaris
Sun May 03, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: All gift cards orders on cardcash.com declined?
Replies: 14
Views: 1353

Re: All gift cards orders on cardcash.com declined?

Maybe I would somehow need to establish a relationship with them first? I tried to buy a relatively inexpensive gift card, but that was also declined.
by SciurusVulgaris
Sun May 03, 2020 11:44 am
Forum: Personal Consumer Issues
Topic: All gift cards orders on cardcash.com declined?
Replies: 14
Views: 1353

All gift cards orders on cardcash.com declined?

I wanted to try to save some money on a bicycle for my fiance while we're locked in due to CV19. After doing a little research, I found cardcash.com, which seemed somewhat legit. I ordered a few hundred dollars of gift cards for LL Bean from them at a 20% discount. They initially approved, then decl...
by SciurusVulgaris
Thu Apr 23, 2020 8:33 am
Forum: Personal Consumer Issues
Topic: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three to
Replies: 131
Views: 6616

Re: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three

For me, Prius or maybe Prius Prime. With a hatchback you can carry bigger items. With the longer range you don't have to fill up as much. With the regenerative braking you don't need as much service.

It's a utility vehicle though. If you're a car enthusiast, look at the Camry.
by SciurusVulgaris
Wed Apr 15, 2020 6:41 pm
Forum: Investing - Theory, News & General
Topic: Cons of i bonds?
Replies: 70
Views: 6473

Re: Cons of i bonds?

Not to argue, but I'm genuinely curious what's so good about paper bond and so bad about electronic bonds? I mean aside from dealing with treasurydirect web site, which isn't such a big problem in my opinion. I'd think it should be the other way around as with electronic bonds I don't need to keep ...
by SciurusVulgaris
Wed Apr 15, 2020 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Experiences with DCU as a bank?
Replies: 9
Views: 529

Re: Experiences with DCU as a bank?

The website and app aren't as nice as Chase, but they are not bad. Rates are usually competitive. ACH transfers limits are quite low, but there's no charge for them.
by SciurusVulgaris
Fri Apr 10, 2020 9:12 am
Forum: Personal Investments
Topic: In plan Roth 401k conversion vs. mega backdoor Roth IRA
Replies: 10
Views: 407

Re: In plan Roth 401k conversion vs. mega backdoor Roth IRA

The mega backdoor Roth gives you flexibility for allocation decisions.

If you're planning to allocate bonds in tax-deferred traditional and stock in Roth, but sure your 401k provider allows you to manage the asset allocation of the sub-accounts separately.
by SciurusVulgaris
Fri Mar 27, 2020 1:59 pm
Forum: Investing - Theory, News & General
Topic: How do you incorporate I bonds into your retirement plans?
Replies: 25
Views: 1656

Re: How do you incorporate I bonds into your retirement plans?

I don't see their purpose Its nothing you could not do with savings accounts, CDs, MM fund or bond funds - so why bother ? An I Bond's return is adjusted for inflation and are a deflation hedge. They can be tax deferred, are state tax exempt, and they can be used for education (with exceptions). Sa...
by SciurusVulgaris
Fri Mar 27, 2020 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Deadline for paying 2019 estimated tax to get I-bonds
Replies: 12
Views: 652

Re: Deadline for paying 2019 estimated tax to get I-bonds

I never filled out a 4848. I just sent in a $7000 payment for 2019 as described above. Is this a problem? I think most of us file a 4868 as per the Bogleheads I Bond wiki and several threads, this follows the IRS flow for payments, but it may not be the only way they'll return I Bonds. https://www....
by SciurusVulgaris
Fri Mar 27, 2020 9:30 am
Forum: Investing - Theory, News & General
Topic: How do you incorporate I bonds into your retirement plans?
Replies: 25
Views: 1656

Re: How do you incorporate I bonds into your retirement plans?

This could differ depending on your personal needs for your portfolio. In my DIY IPS, I rely on I Bonds as a third tier of my emergency fund, with a Roth IRA (from your example) as the fourth tier. They do double duty as a tax-deferred inflation protected bond fund. Since you're over 50 and haven't ...
by SciurusVulgaris
Fri Mar 13, 2020 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Deadline for paying 2019 estimated tax to get I-bonds
Replies: 12
Views: 652

Re: Deadline for paying 2019 estimated tax to get I-bonds

Thanks. I just overpaid $7000 for 2019 (allowing for estimated errors of owed tax on my part). I look forward to my additional $5K in I-bonds. Done. One other question...what is the simplest procedure if I want to convert my paper I-bonds into electronic ones (held by the Treasury)? I have some fro...
by SciurusVulgaris
Wed Mar 11, 2020 1:55 pm
Forum: Personal Investments
Topic: Can/should I TLH again today?
Replies: 28
Views: 1241

Re: Can/should I TLH again today?

But since I'm selling shares that were purchased in the last 30 days, wouldn't the losses I harvest today be considered a wash sale? Wash-sale predicates on the "acquire substantially identical" shares 30-days before and 30-days after the date of sale. What you also must keep in mind is that the sh...
by SciurusVulgaris
Wed Mar 11, 2020 6:37 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software - Can't E-File Due to Form 1116 Country Issue
Replies: 19
Views: 1382

Re: H&R Block Software - Can't E-File Due to Form 1116 Country Issue

I also saw both the Ric and N/A problems with H&R Block. The workarounds seemed to have worked, with the tax computed matching TT.
by SciurusVulgaris
Mon Mar 02, 2020 7:07 pm
Forum: Investing - Theory, News & General
Topic: How did you TLH during this correction?
Replies: 65
Views: 3692

Re: How did you TLH during this correction?

I had two paths to VTWAX. VTSAX -> VLCAX---------+ | v VTWAX ^ | VTIAX -----------------+ I had to remember to turn dividend reinvesting off, since that's coming up within 30 days, for a lot of funds. With this big bump, I may be stuck in VTWAX for a while. There are worse things I suppose!
by SciurusVulgaris
Mon Mar 02, 2020 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Best Visa Credit Card
Replies: 24
Views: 1912

Re: Best Visa Credit Card

For simplicity? The Fidelity Elan Visa 2% If you want to maximize rewards? If you're organized and have some spare time, prepare to dive into the hobby of maximizing signup bonuses which could give you a one time 10 to 20% back, depending upon how you use them. The Chase cards are good starter cards...
by SciurusVulgaris
Fri Feb 28, 2020 6:39 pm
Forum: Investing - Theory, News & General
Topic: How did you TLH during this correction?
Replies: 65
Views: 3692

Re: How did you TLH during this correction?

I have been "serial-TLH-ing" for the past few days. VTSAX -> ITOT -> SCHB -> VV Next up if needed: SCHX Avoiding VOO for wash-sale reasons. What have you done this week? Did you go from a mutual fund to an ETF? I haven't done that myself, I wasn't sure if the settlement would come in quickly enough...
by SciurusVulgaris
Thu Feb 27, 2020 6:36 am
Forum: Personal Consumer Issues
Topic: Photochromic Transitions glasses
Replies: 14
Views: 1266

Re: Photochromic Transitions glasses

Have you considered a polarized gradient tint? Polarized will eliminate road/puddle glare on the ground, but the gradient will allow you to see rocks and things on the ground more clearly while more strongly blocking bright sky. How are the polarized lenses when looking at phone screens? Can you se...
by SciurusVulgaris
Wed Feb 26, 2020 6:41 pm
Forum: Personal Consumer Issues
Topic: Photochromic Transitions glasses
Replies: 14
Views: 1266

Re: Photochromic Transitions glasses

I am intrigued by your post. I have worn photochromic lenses for decades and now have worn progressive lenses for more than a decade. I think you are much more physically active than I am, but I am surprised to learn that any of these lenses take 5 minutes to lighten. I buy mine online from Zenni O...
by SciurusVulgaris
Wed Feb 26, 2020 7:34 am
Forum: Personal Consumer Issues
Topic: Photochromic Transitions glasses
Replies: 14
Views: 1266

Re: Photochromic Transitions glasses

Those are good links, thanks!

I can confirm that the Transitions lenses clear in about 5 minutes. It's not horrible, but still slow enough that it could be dangerous in sports.

I'm tempted to try flip up clip on sunglasses. Cheaper, but don't work as well with a helmet.
by SciurusVulgaris
Tue Feb 25, 2020 11:28 pm
Forum: Personal Consumer Issues
Topic: Photochromic Transitions glasses
Replies: 14
Views: 1266

Photochromic Transitions glasses

It's hard to judge how dark photochromic/Transitions lenses will be at an optician. I'm looking for yellow or amber photochromic coating that will darken some on sunny days, but don't get so dark that you can't see when you get indoors. Or so dark that you can't see the rocks if you're mountain biki...
by SciurusVulgaris
Sat Feb 22, 2020 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Elan Visa Bonuses for Spend - any site?
Replies: 5
Views: 532

Fidelity Elan Visa Bonuses for Spend - any site?

We all occasionally get notices that about a bonus for spending X dollars on the Fidelity Elan Visa. Is there a site where we could see if a bonus is active on the card? I'm faced with filing a surprise tax extension with pay1040 now, and I want to know if there's a bonus my account, or if I should ...
by SciurusVulgaris
Sat Feb 22, 2020 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 529 Plan New Hampshre
Replies: 16
Views: 1089

Re: Fidelity 529 Plan New Hampshre

I've used both the Vanguard and the Fidelity plans. While I like Vanguard as a company, if you're investing at Fidelity now I'd get a plan though them. I haven't examined the index options in detail in over 15 years, but they both seem good enough. Others may have done more recent in depth analysis ...
by SciurusVulgaris
Wed Feb 19, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: Fidelity landing page - accounts randomly missing
Replies: 37
Views: 2223

Re: Fidelity landing page - accounts randomly missing

I'm also seeing problems with cash transfers. Only external accounts (eg my credit union) and no Fidelity accounts are listed in the "Transfer From" field.
by SciurusVulgaris
Mon Feb 17, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: Credit Karma Tax - free and recommended (issues from prior years resolved)
Replies: 15
Views: 1162

Re: Credit Karma Tax - free and recommended (issues from prior years resolved)

I tried, but lack of Form 1116 support for foreign tax over $300 (single filer) makes it a non-starter.
by SciurusVulgaris
Fri Feb 14, 2020 7:16 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Wiki Page Updates Initial Review
Replies: 58
Views: 3844

Re: Fidelity Wiki Page Updates Initial Review

It wouldn't make a difference in returns. That theory was debunked here: https://www.bogleheads.org/forum/viewtopic.php?p=4828130#p4827958 It could be useful to know schedules if you're not re-investing dividends and want to move the money somewhere else right after each dividend. Ah, I had thought...
by SciurusVulgaris
Fri Feb 14, 2020 1:22 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Wiki Page Updates Initial Review
Replies: 58
Views: 3844

Re: Fidelity Wiki Page Updates Initial Review

It may be useful to list the dividend payout schedules for each fund. For example, as I understand it FZROX holds onto dividends and pays out in December while VTSAX pays out quarterly. Assuming dividends are reinvested, this would make a difference in returns that isn't obvious from looking only at...
by SciurusVulgaris
Mon Feb 03, 2020 8:52 am
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 242
Views: 22904

Re: Books that changed your life

No question, "Your Money or Your Life".

Before that, I had read very interesting math and engineering books in high school that lead me to a tech career, but YMOYL taught me to understand the tradeoff of money vs time.
by SciurusVulgaris
Thu Jan 30, 2020 3:21 pm
Forum: Investing - Theory, News & General
Topic: Disadvantages of post-tax 401k ?
Replies: 42
Views: 3624

Re: Disadvantages of post-tax 401k ?

Disadvantages: If you are selling stock that has appreciated significantly, and you can reasonably expect to be in the 0% CG tax bracket later, or would donate it later, it might be better to wait. Probably not if you expect to hold the Roth for a long time. If you are planning to automatically roll...
by SciurusVulgaris
Wed Jan 29, 2020 6:10 pm
Forum: Personal Investments
Topic: emergency fund in 401k for high tax bracket?
Replies: 8
Views: 654

Re: emergency fund in 401k for high tax bracket?

I am not at all convinced that 401k would play into a wash sale. IRS guidance has been explicit about the IRAs, but completely silent on retirement plans such as 401k / 403b / 457b plans. Buying in 401k and selling in taxable, or vice versa, is completely acceptable. From your keyboard to the IRS' ...
by SciurusVulgaris
Wed Jan 29, 2020 7:36 am
Forum: Personal Investments
Topic: Can I Dump My Emergency Fund?
Replies: 128
Views: 11400

Re: Can I Dump My Emergency Fund?

I asked this recently. Yes, if your taxable fund is large enough.

Also think about munis funds - although check their taxable equivalents, they have low yields now. And see the fine points listed in the wiki: https://www.bogleheads.org/wiki/Placing ... ed_account
by SciurusVulgaris
Tue Jan 28, 2020 7:25 pm
Forum: Personal Investments
Topic: emergency fund in 401k for high tax bracket?
Replies: 8
Views: 654

Re: emergency fund in 401k for high tax bracket?

Now that I know to search for munis, which I somehow hadn't considered at all before, I found a wealth of posts, including https://www.bogleheads.org/forum/viewtopic.php?f=10&t=97509 I also found this wiki, which is exactly what I want to do https://www.bogleheads.org/wiki/Placing_cash_needs_in_a_ta...
by SciurusVulgaris
Tue Jan 28, 2020 11:25 am
Forum: Personal Investments
Topic: emergency fund in 401k for high tax bracket?
Replies: 8
Views: 654

Re: emergency fund in 401k for high tax bracket?

Good idea about the I Bonds. I've been looking for inflation protection. I'll try to get $15,000 this year if I can somehow get the $5,000 of paper I Bonds from taxes.

I'll also think about VMLTX (limited term tax exempt bonds) which has a similar duration to VFSUX.
by SciurusVulgaris
Tue Jan 28, 2020 10:51 am
Forum: Personal Investments
Topic: emergency fund in 401k for high tax bracket?
Replies: 8
Views: 654

emergency fund in 401k for high tax bracket?

I’ve found myself in the pleasant, albeit temporary, situation of being in a high tax bracket. Given this, I’m looking more carefully at my “emergency fund” in taxable accounts. I keep over $100,000 in a taxable brokerage in cash equivalents - a 2.0% yield savings account and in VFSUX (short term in...
by SciurusVulgaris
Mon Jan 27, 2020 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Evacuation Insurance
Replies: 41
Views: 2659

Re: Medical Evacuation Insurance

Some credit cards like the Chase Sapphire Reserve provide emergency medical evacuation insurance (max $100,000), as well as some sort of emergency medical and dental benefit (max $2,500) if you buy travel through their card.

I don't know how it compares to a standalone policy.
by SciurusVulgaris
Thu Jan 16, 2020 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 170
Views: 25569

Re: Chase Sapphire checking 1000$ offer

I am just about to close a Chase checking account that I opened for a bonus (Total, not Sapphire). I was advised by an employee at the branch that they would claw back bonuses if I closed the account within 6 months of opening it. However the bonus offer only required me to hold the account for 90 ...