Search found 76 matches

by dignan
Thu Sep 10, 2020 7:35 am
Forum: Personal Consumer Issues
Topic: Please help me, need to buy a computer
Replies: 144
Views: 7695

Re: Please help me, need to buy a computer

I find the Wirecutter a great resource before buying any type of product. They spend a lot of time testing products before recommending them. They have multiple articles on laptops sectioned out based on use case.

https://www.nytimes.com/wirecutter/electronics/laptops/
by dignan
Thu Sep 10, 2020 7:28 am
Forum: Investing - Theory, News & General
Topic: The Long-Term Stock Exchange
Replies: 1
Views: 207

The Long-Term Stock Exchange

A public market with a mission to support companies and investors who share a long-term vision

https://blog.ltse.com/the-long-term-sto ... b13f51e87b

How is this different from other exchanges?
by dignan
Sat Jun 13, 2020 1:10 pm
Forum: Investing - Theory, News & General
Topic: Fidelity HSA - new exclusive "Health Savings" funds
Replies: 31
Views: 2720

Re: Fidelity HSA - new exclusive "Health Savings" funds

You beat me to it. I was going to post this as well since I received an email about it. I agree that it's probably for people who aren't sure how to invest. I was excited to know that they offer Institutional Premium Class funds for HSA accounts. So I'm currently invested in a Fidelity Freedom Index...
by dignan
Sat May 30, 2020 10:32 am
Forum: Investing - Theory, News & General
Topic: What Is the Stock Market Even for Anymore?
Replies: 25
Views: 3811

What Is the Stock Market Even for Anymore?

https://www.nytimes.com/interactive/2020/05/26/magazine/stock-market-coronavirus-pandemic.html He then pointed out that people confused by the market’s recovery were overlooking something else: The sector of the economy being hit hardest by the crisis, the small-business community, was not represent...
by dignan
Fri Apr 17, 2020 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA and Coronavirus
Replies: 15
Views: 596

Re: Dependent Care FSA and Coronavirus

Thank you, I did search and couldn't find anything before posting my question. Maybe I wasn't using the right search terms...
by dignan
Thu Apr 16, 2020 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA and Coronavirus
Replies: 15
Views: 596

Dependent Care FSA and Coronavirus

I was wondering if anyone has found any IRS guidance on dealing with dependent care FSA in regards to coronavirus? Let's assume all childcare and camps are closed for the rest of the year. Or let's assume that we can't meet the 5k spending due to the coronavirus circumstances... Anyone have thoughts...
by dignan
Wed Mar 04, 2020 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Career change at 47
Replies: 116
Views: 11563

Re: Career change at 47

Sales for a product in construction like windows/doors, siding, or any product involved in construction. You can also do lunch and learns for architects and builders. You'd get to do some office and some our of office work. You'd get to go on job sites and to other offices for teaching/selling.
by dignan
Wed Feb 19, 2020 4:45 pm
Forum: Investing - Theory, News & General
Topic: Odd Lots: Why Passive Investing Might Be Distorting The Market (Podcast)
Replies: 52
Views: 5861

Re: Odd Lots: Why Passive Investing Might Be Distorting The Market (Podcast)

Says a hedge fund manager whose livelihood depends on people avoiding index funds. Wake me up when 80-90% of the equity market is indexed, and we can have a debate about at what level price discovery would break down. So this makes me wonder....what percentage of the equity market is indexed now? W...
by dignan
Wed Feb 19, 2020 12:33 pm
Forum: Investing - Theory, News & General
Topic: Odd Lots: Why Passive Investing Might Be Distorting The Market (Podcast)
Replies: 52
Views: 5861

Odd Lots: Why Passive Investing Might Be Distorting The Market (Podcast)

Odd Lots: Why Passive Investing Might Be Distorting The Market (Podcast) https://www.bloomberg.com/news/audio/2020-02-07/why-passive-investing-might-be-distorting-the-market-podcast Over the last decade or so, we’ve seen an incredible rise in so-called passive investing. While definitions differ ove...
by dignan
Thu Feb 13, 2020 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Authority/Old National or Optum Bank for HSA? Other?
Replies: 18
Views: 1194

Re: HSA Authority/Old National or Optum Bank for HSA? Other?

I was with HSA Authority for five years until recently. They have great customer service and a decent choice of funds. They charge $36 annual fee and need at least $1000 in order to invest, which you can invest all funds. They use a third-party company called Devenir for investment management. You h...
by dignan
Tue Nov 05, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 66
Views: 6355

Re: Stinky Front Loader (Washer)

After every use, let it dry 1. Leave door open 2. Remove detergent tray Once a month 1. Run clean cycle with vinegar 2. Clean inside detergent tray 3. Empty and clean filter trap at bottom 4. Clean inside door rim seal Check inside the detergent tray. I found mold buildup in it. It took a toothbrush...
by dignan
Mon Jan 07, 2019 5:06 pm
Forum: Personal Investments
Topic: 401k - Use three Indexes to make Total Index?
Replies: 16
Views: 1012

Re: 401k - Use three Indexes to make Total Index?

Hi, These links will be helpful for that. https://www.bogleheads.org/wiki/Approximating_total_stock_market http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspx I basically used similar funds and tried to match a Vanguard Target Date fund for guidance. So figure out an asset allocation...
by dignan
Sun Dec 09, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: T-Mobile MONEY
Replies: 4
Views: 687

T-Mobile MONEY

What do Bogleheads think of this offering from T-Mobile? I believe it's still a pilot program.
4% APY up to $3000 for T-Mobile customers.

https://www.t-mobilemoney.com/en/home.html
by dignan
Wed Nov 21, 2018 3:00 pm
Forum: Investing - Theory, News & General
Topic: [2018 Health Savings Account Landscape] via Morningstar
Replies: 4
Views: 726

Re: [2018 Health Savings Account Landscape] via Morningstar

Unfortunately, this article is already out of date. There's a recent thread on Fidelity new retail HSA option that beats every single plan Morningstar considered in terms of fees. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=263661 https://thefinancebuff.com/best-hsa-provider-for-inves...
by dignan
Tue Nov 20, 2018 12:35 pm
Forum: Investing - Theory, News & General
Topic: [2018 Health Savings Account Landscape] via Morningstar
Replies: 4
Views: 726

[2018 Health Savings Account Landscape] via Morningstar

Morningstar has released their evaluation on the best health savings accounts for 2018. Article on best HSA plans for spending https://www.morningstar.com/articles/901705/the-best-hsa-plans-for-spending.html To download the PDF https://www.morningstar.com/lp/hsa-landscape?con=14721 or https://www.mo...
by dignan
Mon Jul 23, 2018 10:58 am
Forum: Personal Investments
Topic: Program and Administration Fee Error?
Replies: 5
Views: 780

Re: Program and Administration Fee Error?

I forgot that the expense ratio is built into the NAV price. But my question still stands, if the admin fee is being charged to the Vanguard 500 fund... I do have a statement that shows quarterly fees and is broken down between employee contribution and employer match. But I'm just not sure how they...
by dignan
Wed Jul 18, 2018 4:32 pm
Forum: Personal Investments
Topic: Program and Administration Fee Error?
Replies: 5
Views: 780

Program and Administration Fee Error?

I pay a quarterly program and administration fee for my 401k. The fee is 50 basis points on top of the net expense ratio. If I have a Vanguard 500 fund that is 0.04, I would assume I pay 0.54 for the fund. I have a Google spreadsheet that I use (thanks to a boglehead), which gets the fund info and I...
by dignan
Wed Jul 04, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Cheapest way to buy a phone in 2018?
Replies: 73
Views: 9714

Re: Cheapest way to buy a phone in 2018?

I found that the cheapest way to buying a phone is to buy used or directly from the manufacturer or an unlocked phone from an online store. Swappa.com Motorola.com (Moto E, G or X) Bhphotovideo.com, Newegg.com (Nokia, Huawei, Sony) Samsung.com (S8) Also check these phones out. https://www.android.co...
by dignan
Sun May 13, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 3722

Re: Online/cloud backup or file storage?

I'm still working on creating a methodology for minimizing slow upload speeds to GD. I'm thinking of creating one separate VC container for those critical docs I revise most frequently (e.g., financial), and then creating separate containers for critical docs I revise less frequently. Less critical...
by dignan
Wed Sep 27, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 97
Views: 27183

Google Finance - Portfolios deprecation information

For those that use Google Finance Portfolios, it won't be available after mid-November 2017.
https://support.google.com/finance/answer/7534448
by dignan
Fri Aug 11, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Spreadsheet to Play with 401k Contributions
Replies: 4
Views: 1241

Re: Spreadsheet to Play with 401k Contributions

I really like these wage calculators that incorporate deductions. They come really close to what HR calculates at my work. I am able to input HSA and FSA deductions as well as incorporate non-deductible items like dental, etc. http://www.paycheckcity.com/calculator/401k/ https://www.adp.com/tools-an...
by dignan
Sun Jul 09, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Moto G4 Memory
Replies: 9
Views: 1237

Re: Moto G4 Memory

I would guess that photos are taking up most of the storage space. Download the Google Photos app - https://play.google.com/store/apps/details?id=com.google.android.apps.photos It will backup your photos and videos to your Google account and ask if it can delete them on your phone after it backs up ...
by dignan
Fri Jul 07, 2017 8:49 am
Forum: Personal Investments
Topic: 401k Plan Conversion!
Replies: 5
Views: 1149

Re: 401k Plan Conversion!

So the plan conversion seems to have gone smoothly and it only took one week. Now that I had a chance to log into our 401k website, I now noticed new fees that were not visible before the conversion. Here is an example of the fee structure. All the funds have an Other Exp fee and Program & Admin...
by dignan
Wed Jun 28, 2017 7:14 pm
Forum: Personal Investments
Topic: questions on The HSA Authority
Replies: 8
Views: 2402

Re: questions on The HSA Authority

cas, I have an account with HSA Authority. 1. You do not have to keep $1000 in the checking account. The whole amount can be invested. 2. Since I am contributing, I have not experienced any issues with dormant fees. You'll have to call them about this one. I checked Alliant Credit Union and they hav...
by dignan
Wed Jun 28, 2017 8:35 am
Forum: Investing - Theory, News & General
Topic: [2017 Health Savings Account Landscape] via Morningstar
Replies: 15
Views: 3125

Re: [2017 Health Savings Account Landscape] via Morningstar

Good information, thanks. I'd not heard of HSA Authority but it seems to be the best of the bunch (at the moment--I expect a lot of flux in this milieu.) After reading the research paper, I was happy to see that I had picked a good HSA provider (among the hundreds) that Morningstar approves. I have...
by dignan
Tue Jun 27, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Renewal (or not?)
Replies: 53
Views: 7284

Re: Consumer Reports Renewal (or not?)

Your local library might have outside library link access. Just go to your library's website or call them to see if they allow online access. All you likely need is your library card number to login. Since many are saying that CR isn't as reliable as they used to be, I would recommend thewirecutter....
by dignan
Tue Jun 27, 2017 8:07 am
Forum: Investing - Theory, News & General
Topic: [News about changes to the Illinois 529 plan]
Replies: 10
Views: 3502

Re: [News about changes to the Illinois 529 plan]

Here's additional information for those that are using the Illinois 529 plan. It's nice that they're offering a Rewards Card now. It looks like the blackout period is July 12 - 17.
https://www.brightstarttransition.com/account-owners/
by dignan
Wed Jun 14, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Rollout Begins for Person-to-Person Digital Payments Backed by Banks
Replies: 25
Views: 4806

Re: Rollout Begins for Person-to-Person Digital Payments Backed by Banks

Good Listener wrote:Dumb question. Isn't this what I do with Chase Quick Pay now?
Yes. It's part of ClearXchange, which is changing it's name to Zelle.
by dignan
Wed Jun 14, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Rollout Begins for Person-to-Person Digital Payments Backed by Banks
Replies: 25
Views: 4806

Re: Rollout Begins for Person-to-Person Digital Payments Backed by Banks

I've used Venmo, Square Cash, PayPal and Google Wallet. Out of all of these, I prefer Google Wallet. The transfer happens same day and I can set my bank account as the default for deposit. So I don't have to transfer it out of Google Wallet and then into the bank account like the other P2P apps.
by dignan
Wed Jun 07, 2017 12:40 pm
Forum: Investing - Theory, News & General
Topic: [News about changes to the Illinois 529 plan]
Replies: 10
Views: 3502

[News about changes to the Illinois 529 plan]

I received an email about the Illinois 529 plan. Good news! Lower fees, more options! Dear Bright Start College Savings Investor, Thank you for making the important decision to invest in a student’s future through the Bright Start Direct College Savings Plan. Saving for college is the most important...
by dignan
Sun Jun 04, 2017 2:07 pm
Forum: Personal Investments
Topic: 401k Plan Conversion!
Replies: 5
Views: 1149

Re: 401k Plan Conversion!

You bring up a good point Alan. I hadn't thought of that. I wonder if our advisor would have changed our funds (for the better) if I hadn't mentioned this to our operations committee. What do bogleheads think of this new asset allocation? I'm changing my allocation to 80/20. I was more aggressive wi...
by dignan
Thu Jun 01, 2017 11:22 am
Forum: Personal Investments
Topic: 401k Plan Conversion!
Replies: 5
Views: 1149

401k Plan Conversion!

Bogleheads, Thanks to this forum, I was able to get my employer to change the company 401k funds to something better than what we have. Not only are they cheaper expense ratios, but more options are available too. I had sent an email to the operations committee and human resources back in August abo...
by dignan
Sat May 27, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Recommendations for moisturizing lotions that don't feel greasy
Replies: 37
Views: 4687

Re: Recommendations for moisturizing lotions that don't feel greasy

I have the same thing. I used to use Lubriderm Advanced Therapy until I saw a dermatologist. The dermatologist suggested Amlactin or CeraVe SA. I have used both to test out and they work wonders. I can skip a day without lotion, they are that good. I much prefer the Amlactin, but some may be turned ...
by dignan
Tue May 16, 2017 9:26 am
Forum: Personal Investments
Topic: how do you invest your HSA
Replies: 47
Views: 10083

Re: how do you invest your HSA

I invest in Vanguard LifeStrategy Growth at HSA Authority. I download a PDF of our health insurance year end EOB for record keeping every year. We plan on using the HSA funds once we're about 55 years old or older.
by dignan
Sun May 07, 2017 9:26 am
Forum: Personal Investments
Topic: What if the market drops right after I invest? Now the market is at all-time high..
Replies: 27
Views: 3493

Re: What if the market drops right after I invest? Now the market is at all-time high..

I found this graph from someone that posted on bogleheads. I would think this is a good one to share with the co-workers.
http://www.schwab.com/insights/stocks/i ... -to-invest
by dignan
Thu Apr 20, 2017 1:27 pm
Forum: Personal Investments
Topic: Portfolio Question - Nationwide 457b
Replies: 4
Views: 991

Re: Portfolio Question - Nationwide 457b

That's not the greatest 457(b) plan. Combine the 1% account fee with the ERs on those funds and it gets pretty pricey. If this is a non-governmental 457(b), I would personally skip over it. And I've seen Nationwide provide better options to governmental 457(b) plans, although that does depend on th...
by dignan
Tue Apr 18, 2017 1:50 pm
Forum: Personal Investments
Topic: Portfolio Question - Nationwide 457b
Replies: 4
Views: 991

Portfolio Question - Nationwide 457b

Hi Bogleheads, Good news! I'm down to 10k on my student loans, which was about 42k about 2 years ago. My side job has really helped me pay down those loans. Bad news! After all these years I've been with my wife (together 7, married 5), she's just now telling me that she can contribute to a 457b aft...
by dignan
Fri Mar 17, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs PPO (baby in 2017) [High Deductible vs. Preferred Provider plans]
Replies: 20
Views: 6621

Re: HDHP vs PPO (baby in 2017) [High Deductible vs. Preferred Provider plans]

I had a similar situation and used dinkytown.net to help me determine which plan to go with. I plugged in your numbers assuming 10 doctor visits and 10 prescriptions annually, which you can change to see how things add up for the better or worse. Assuming I plugged your numbers in correctly, you cou...
by dignan
Mon Dec 19, 2016 11:39 am
Forum: Personal Finance (Not Investing)
Topic: AMEX Blue Cash Everyday vs Preferred offers
Replies: 13
Views: 4765

Re: AMEX Blue Cash Everyday vs Preferred offers

We have the Preferred card and was charged a $75 membership fee in November. Does this new fee start in 2017?
by dignan
Fri Nov 04, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: TrueCrypt Alternative
Replies: 15
Views: 2970

Re: TrueCrypt Alternative

VeraCrypt took TrueCrypt's source code and made the necessary security updates. https://veracrypt.codeplex.com/
DiskCryptor is an alternative. https://diskcryptor.net/wiki/Main_Page
FileVault as the other poster mentioned.
by dignan
Fri Oct 28, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: What would you do? Payoff...
Replies: 12
Views: 1956

Re: What would you do? Payoff...

I think we're going to go the route of paying 9k and continue aggressively paying the student loan. We appreciate everyone's advice.
by dignan
Wed Oct 26, 2016 1:11 pm
Forum: Personal Investments
Topic: Lowest HSA Fees
Replies: 25
Views: 5841

Re: Lowest HSA Fees

I hadn't seen HSA Authority and SelectAccount but they seem reasonable. Any gotchas? Dead cash requirements? Other fees? How easy is it to enroll? What is it like transferring from another HSA? It looks like they've got a few good funds (you really only need one), amongst a few dozen bad ones. Ther...
by dignan
Wed Oct 26, 2016 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: What would you do? Payoff...
Replies: 12
Views: 1956

Re: What would you do? Payoff...

We need OP to clear something up here. It seems most are reading the $18k was received and that is now part of the EF for $29k ($29k total). I'm reading it as the $18k was recently received and they already had a $29k EF separate ($47k total). Which way is correct, OP? We now have 29k total, which ...
by dignan
Wed Oct 26, 2016 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: What would you do? Payoff...
Replies: 12
Views: 1956

Re: What would you do? Payoff...

Are you maxing out your 401k this year? You could adjust your paycheck to get that done by the end of the year while using this money to cover the monthly shortage that may cause. I agree that you want an emergency fund more like $20k than $5k. Maybe you just put a bunch in taxable investments plan...
by dignan
Wed Oct 26, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: What would you do? Payoff...
Replies: 12
Views: 1956

What would you do? Payoff...

My wife and I recently received a small life insurance policy of 18k that we've been sitting on for a few months. We now have a total emergency savings of 29k. We've already contributed the max amount to our ROTH accounts. We have a condo as an investment and like to keep emergency savings to help c...
by dignan
Wed Oct 26, 2016 9:02 am
Forum: Personal Investments
Topic: Lowest HSA Fees
Replies: 25
Views: 5841

Re: Lowest HSA Fees

I hadn't seen HSA Authority and SelectAccount but they seem reasonable. Any gotchas? Dead cash requirements? Other fees? How easy is it to enroll? What is it like transferring from another HSA? It looks like they've got a few good funds (you really only need one), amongst a few dozen bad ones. Ther...