Search found 36 matches

by arsenal_fan
Sun Apr 08, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Remove HSA Account Excess with contribution already invested
Replies: 3
Views: 421

Remove HSA Account Excess with contribution already invested

Hi Guys, In a bit of a dilemma here with excess HSA contribution that's already being invested in an investment account (TD Ameritrade) with my current HSA Trustee (Lively). 1. Previous employer had front loaded $1300 into my HSA account, and I would contribute an amount every paycheck that would ad...
by arsenal_fan
Sun Mar 11, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: What are your auto insurance limits?
Replies: 59
Views: 5917

Re: What are your auto insurance limits?

Property Damage Liability: $50,000 each accident Bodily Injury Liability: $25,000 each person / $50,000 each accident Comprehensive: $250 deductible Collision: $500 deductible Your bodily injury and property damage coverage seem really low. Unless you're ready to file for bankruptcy after any sort ...
by arsenal_fan
Sat Mar 10, 2018 12:41 am
Forum: Personal Finance (Not Investing)
Topic: What are your auto insurance limits?
Replies: 59
Views: 5917

Re: What are your auto insurance limits?

Incredible how low some of your rates are give your coverages. I pay $760/6 months for a 2018 Acura TLX. Had an accident 2.5 years ago where my insurance paid out $5k to the other party. Insured with progressive and they are by far the lowest. Any better tips on applying for auto insurance? I get to...
by arsenal_fan
Mon Feb 05, 2018 11:08 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 69011

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Apologies, but this thread has gotten a little hard to follow. Could anyone recommend any stocks/ETFs worth purchasing from TDAmeritrade by selling off shares of the vanguard bond fund I own viz. BND?
by arsenal_fan
Thu Feb 01, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 270
Views: 42127

Re: New HSA provider Lively offers investments for $30/yr fee

Anyone advice on here move from people who've moved from HSA Bank + TDAmeritrade to Lively + TDAmeritrade? Need to do it soon and so am not sure if I need to sell (and rebuy) my investments in TDAmeritrade when I make the switch. I'm actually in process of doing this exact thing right now. You just...
by arsenal_fan
Mon Jan 29, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 270
Views: 42127

Re: New HSA provider Lively offers investments for $30/yr fee

Anyone advice on here move from people who've moved from HSA Bank + TDAmeritrade to Lively + TDAmeritrade? Need to do it soon and so am not sure if I need to sell (and rebuy) my investments in TDAmeritrade when I make the switch.
by arsenal_fan
Mon Jan 08, 2018 2:05 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 49
Views: 10385

Re: TD Ameritrade fund replacement

Can I just switch custodians from HSA to Lively, and retain my TDAmeritrade account which has $10k in BND (commission free ETF)? I don't have an employer sponsored HSA/HDHP plan anymore and so wouldn't mind the $10k remaining invested in BND for the foreseeable future. I would imagine no fees apply ...
by arsenal_fan
Wed Jan 03, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 165
Views: 19385

Re: Max It Out Tomorrow [your IRA]

If I have to do a recharacterization for 2017, should I still max out my Roth IRA with $5500 before that? Waiting on the recharacterization since I don't know my overall income for 2017.
by arsenal_fan
Mon Jan 01, 2018 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review please
Replies: 4
Views: 474

Re: Portfolio Review please

In my current 401k, the bond funds I have are: Core Bond Fund - JICDX - 0.17 Fidelity Advisor Total Bond - FEPIX - 0.25 Investment Qual Bond Fund - JIQBX - 0.18 John Hancock Bond Fund - JHBSX - 0.17 Real Return Bond Fund - JIRRX - 0.25 Again, the expense ratios on these look a little on the higher ...
by arsenal_fan
Mon Jan 01, 2018 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review please
Replies: 4
Views: 474

Re: Portfolio Review please

Contribute $5500 in Roth IRA towards my Bond allocation. Do you have a decent bond fund in your 401k plans (current or former)? Generally it's better to put assets with lower expected growth (bonds) in pre-tax accounts and assets with higher expected growth (stocks) in Roth accounts. Hi Duckie, tha...
by arsenal_fan
Mon Jan 01, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review please
Replies: 4
Views: 474

Portfolio Review please

Hey guys, Happy New Year! TLDR Alert. Thanks to the advice given, I think my profile is being fairly steady. Please gut-check wherever necessary. Just wanted some thoughts on my profile given there were a few changes that completely threw me off late last year and I've neglected my investments a bit...
by arsenal_fan
Thu Dec 28, 2017 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 36948

Re: Ally Bank 11 month [No-Penalty CD]

You don't need to call - you can do it all online. Just go to "make changes" in the menu. Even for a savings account, I'm pretty sure it's a "soft" pull. I had to unfreeze my credit to get a savings account last week as a conduit. But then, with the credit re-frozen, I was able to cancel a CD and g...
by arsenal_fan
Sat Dec 16, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 316
Views: 87552

Re: My New Car Buying Tips

I just completed the purchase of a hot new car for my mother using many of the strategies in this thread. I created a new email address specifically for this transaction because I didn't want spam, or to be searched. After doing my research, I composed a succinct email and sent it to 18 dealers in ...
by arsenal_fan
Sun Dec 03, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Adjusting ROTH IRA contribution because of severance
Replies: 8
Views: 1088

Re: Adjusting ROTH IRA contribution because of severance

Thanks for the quick replies, people. I will look at both these options and bump this thread when I have more questions.

P.S. One question I already have is by when do I have to make these adjustments? I am assuming April 15 or the tax filing deadline, right?
by arsenal_fan
Sun Dec 03, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Adjusting ROTH IRA contribution because of severance
Replies: 8
Views: 1088

Adjusting ROTH IRA contribution because of severance

Hello, I used to make ~$110K when working at Employer A. I am single, and contributed $5500 to my ROth IRA account at the start of the year since I didn't expect my annual income to exceed $118K. However, because of an unexpected layoff, the total income for the year is closer to $140K because of se...
by arsenal_fan
Thu Nov 09, 2017 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Where to allocate a $20,000 emergency fund
Replies: 17
Views: 3254

Re: Where to allocate a $20,000 emergency fund

Sorry to hijack this thread, but I too have some cash sitting around in a Wells Fargo account, close to $30000. Is an Ally savings account trustworthy enough to transfer all that money into?
by arsenal_fan
Thu Dec 15, 2016 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Investments in Fidelity 401K
Replies: 3
Views: 507

Re: Bond Investments in Fidelity 401K

Guys, I'll be rebalancing my portfolio sometime next month and the asset allocation I settled on last year was: 1) U.S. total stock market index fund - 46% 2) International total stock market index fund - 24% 3) U.S. total bond market index fund - 30% Profile Link: https://www.bogleheads.org/forum/...
by arsenal_fan
Thu Dec 15, 2016 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Investments in Fidelity 401K
Replies: 3
Views: 507

Bond Investments in Fidelity 401K

Guys, I'll be rebalancing my portfolio sometime next month and the asset allocation I settled on last year was: 1) U.S. total stock market index fund - 46% 2) International total stock market index fund - 24% 3) U.S. total bond market index fund - 30% Profile Link: https://www.bogleheads.org/forum/v...
by arsenal_fan
Wed Oct 19, 2016 11:13 pm
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 17025

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

How do people typically work with I-Bonds? Do you monitor the composite rate every 6 months and if a year has gone by, then decide whether to redeem/hold/(redeem and re-buy later) depending on how good the composite rate is OR kinda like fire and forget, where you just buy the I-Bonds and then hold ...
by arsenal_fan
Mon Aug 29, 2016 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review and suggestions please
Replies: 15
Views: 1368

Re: Portfolio review and suggestions please

retiredjg wrote:Not a "sir", but happy to help. :D
:D. Ma'am, perhaps? Doesn't matter. You're awesome!
by arsenal_fan
Sun Aug 28, 2016 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review and suggestions please
Replies: 15
Views: 1368

Re: Portfolio review and suggestions please

Not quite. We can contribute $5500 to Roth IRA and that doesn't come out of my paycheck. So, can't I just buy $5500 in international next year? I have already maxed out my Roth IRA for this year. Sure, if you have a lump sum of cash, no reason not to. I assumed you were putting in some money each m...
by arsenal_fan
Sun Aug 28, 2016 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review and suggestions please
Replies: 15
Views: 1368

Re: Portfolio review and suggestions please

Ignore my numbers. I wasn't sure how you arrived at the numbers for next year's contribution and was overthinking it, but you answered it beautifully saying the annual contributions ought to match my asset allocation. Guess I should have been clearer the first time. :wink: If you check my numbers, ...
by arsenal_fan
Sun Aug 28, 2016 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review and suggestions please
Replies: 15
Views: 1368

Re: Portfolio review and suggestions please

After next year's contribution, total portfolio = $71690 + $30,050 = $101740 It will not be that number. It might be near that number. It might be a lot more if the market gets robust. It might be a lot less if the market crashes. So, with the overall asset allocation in mind after next year's cont...
by arsenal_fan
Sun Aug 28, 2016 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review and suggestions please
Replies: 15
Views: 1368

Re: Portfolio review and suggestions please

Here is an idea that is 1) U.S. total stock market index fund - 46% 2) International total stock market index fund - 24% 3) U.S. total bond market index fund - 30% You would exchange what you currently have into what is below. Then maintain it with contributions. Taxable: 8% Total Stock 24% Vanguar...
by arsenal_fan
Sun Aug 28, 2016 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review and suggestions please
Replies: 15
Views: 1368

Re: Portfolio review and suggestions please

2. I will be setting aside $10k in emergency funds in I-Bonds. Do they count towards the bonds portion of asset allocation? If they do, I'll need to adjust the asset allocation and that may allow me to contribute to international stocks a little more. While your portfolio is smaller, I would keep t...
by arsenal_fan
Sun Aug 28, 2016 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review and suggestions please
Replies: 15
Views: 1368

Re: Portfolio review and suggestions please

Tax Filing Status: Single Tax Rate: 28% Federal, 0% State (Confused about how to calculate marginal tax rate, any pointers?) Income: $105k Compare line 43 of your tax return with this table: http://taxfoundation.org/article/2016-tax-brackets taxable income = gross income - deductions - exemptions -...
by arsenal_fan
Sat Aug 27, 2016 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review and suggestions please
Replies: 15
Views: 1368

Portfolio review and suggestions please

Hey Guys, I posted sometime last year for advice on my portfolio when I joined the site. Took some advice, ignored some others, out of laziness and also because I was still not sure how to calculate the whole asset allocation. I have finally decided on my asset allocation (70% stocks and 30% bonds) ...
by arsenal_fan
Mon Aug 15, 2016 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Putting Your Emergency Fund In I Bonds?
Replies: 28
Views: 7106

Re: Putting Your Emergency Fund In I Bonds?

Fixed rate is 0.1% now with a variable portion currently st 0.16% totaling 0.26%. I bought $5k worth in April and got 1.64% combined rate. If the CPI is rising, then inflation is on the rise, correct? Is it reasonable to believe that the November rate will likely be higher? I would not count on a r...
by arsenal_fan
Mon Aug 15, 2016 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Putting Your Emergency Fund In I Bonds?
Replies: 28
Views: 7106

Re: Putting Your Emergency Fund In I Bonds?

Guys, if I want to invest in I Bonds, should I buy them now or should I wait until Nov 1, 2016 before buying them? I plan to buy the maximum $10000 per year since I have some surplus cash. (Don't wish to buy paper I Bonds). Buy when you have the cash in hand, but if you prefer, buy $5K now and $5K ...
by arsenal_fan
Mon Aug 15, 2016 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Putting Your Emergency Fund In I Bonds?
Replies: 28
Views: 7106

Re: Putting Your Emergency Fund In I Bonds?

Guys, if I want to invest in I Bonds, should I buy them now or should I wait until Nov 1, 2016 before buying them? I plan to buy the maximum $10000 per year since I have some surplus cash. (Don't wish to buy paper I Bonds).
by arsenal_fan
Sun Nov 22, 2015 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie at investing, Portfolio Review/Advice Request esp. investment for money sitting in bank accounts
Replies: 4
Views: 847

Re: Newbie at investing, Portfolio Review/Advice Request esp. investment for money sitting in bank accounts

Desired International allocation: xx% of stocks (Don't know how to decide this) 1.  Obviously, I need to change my 401k elections from 100% stocks to 80%/20% bonds. Same for Roth IRA. Currently looking at 20% Fidelity Spartan U.S. Bond Market Index Fund, FSITX. Don't know where international stocks...
by arsenal_fan
Sun Nov 22, 2015 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie at investing, Portfolio Review/Advice Request esp. investment for money sitting in bank accounts
Replies: 4
Views: 847

Newbie at investing, Portfolio Review/Advice Request esp. investment for money sitting in bank accounts

Guys, New and very late to investing but have decided to start now. Missed out on employer contributions for a while but now plan to max out retirement savings every year. Have a fair amount of spare cashing just sitting in my bank accounts and would like to invest it. After maxing out my retirement...