Search found 30 matches

by Unhandled
Thu Oct 29, 2020 8:52 am
Forum: Investing - Theory, News & General
Topic: is now a good time to go to cash in your portfolio?
Replies: 76
Views: 4957

Re: is now a good time to go to cash in your portfolio?

"continue to drop".

Ahh the age old question. How do you in fact know that prices will continue to drop? No one does. If anyone knew, then they would have sold already.

If you know, if you can catch the falling knife, then yes. It is a good time to sell.
by Unhandled
Wed Oct 28, 2020 1:22 pm
Forum: Personal Investments
Topic: Is it too late to buy Gold?
Replies: 67
Views: 4811

Re: Is it too late to buy Gold?

In this video John Bogle was asked his thoughts on whether gold is a wise investment for the average investor (video posted in 2011): https://www.youtube.com/watch?v=KlhT07G8zGs&feature=youtu.be&t=118 Shortened answer: No. Gold is not an investment at all. Gold is a speculation. If you wanna...
by Unhandled
Thu Oct 01, 2020 12:52 pm
Forum: Personal Consumer Issues
Topic: Reverse Countdown Timer
Replies: 53
Views: 3588

Re: Reverse Countdown Timer

Is the humidifier plugged into a wall outlet that is controlled by a wall switch (i.e.: a typical wall light switch)? If so, would replacing the wall switch with a programmable switch meet your requirements? There’s a power strip plugged into the wall that supplies power to the dehumidifier. A prog...
by Unhandled
Thu Oct 01, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Reverse Countdown Timer
Replies: 53
Views: 3588

Re: Reverse Countdown Timer

Is the humidifier plugged into a wall outlet that is controlled by a wall switch (i.e.: a typical wall light switch)? If so, would replacing the wall switch with a programmable switch meet your requirements?
by Unhandled
Wed Sep 30, 2020 3:04 pm
Forum: Personal Investments
Topic: HSA AA for near-term orthodontia
Replies: 29
Views: 1503

Re: HSA AA for near-term orthodontia

I went in to netbenefits. Looks like they have FFEDX. Sorry about the misinformation. That ER is only 0.08%. That sounds pretty not bad. FHKLX sounds OK, except the ER is 0.37%. Not terrible, I guess, but not great. FFEDX (Fidelity Freedom® Index 2025 Fund Institutional Premium Class) seems very re...
by Unhandled
Wed Sep 30, 2020 12:44 pm
Forum: Personal Investments
Topic: HSA AA for near-term orthodontia
Replies: 29
Views: 1503

Re: HSA AA for near-term orthodontia

Any good fidelity suggestions? My HSA through my employer is Fidelity. Otherwise I might just go with FFTWX... I'm not very familiar with all of Fidelity's choices. FFTWX is a 60/40 target date fund. Seems reasonable for you. However I saw expense ratio is 0.64. Seems kinda high. Looks like Fidelit...
by Unhandled
Wed Sep 30, 2020 9:23 am
Forum: Personal Investments
Topic: HSA AA for near-term orthodontia
Replies: 29
Views: 1503

Re: HSA AA for near-term orthodontia

To answer original question: Personally I would use something pretty conservative for the funds I know I'm going to use in the next few years. I wouldn't want to suffer any sudden drops in value. A conservative balanced fund like Vanguard Lifestrategy Conservative Growth fund (VSCGX) is what I'd pro...
by Unhandled
Wed Sep 30, 2020 8:35 am
Forum: Personal Investments
Topic: HSA AA for near-term orthodontia
Replies: 29
Views: 1503

Re: HSA AA for near-term orthodontia

I am in a similar situation. Regarding the suggestion: Pay for the braces out of cash flow. If I pay out of cash flow, then I've paid taxes (federal/state/fica) on that money. I think it makes more sense to pay for the braces from the HSA. That way, I'm paying for the braces tax free. Isn't this mor...
by Unhandled
Sat Sep 19, 2020 9:48 pm
Forum: Personal Investments
Topic: Help me select my 401k funds to align with low cost and close to 3 fund portfolio
Replies: 9
Views: 804

Re: Help me select my 401k funds to align with low cost and close to 3 fund portfolio

Consider doing 100% stock index at employer plan. Shift some of your VSMGX at vanguard to total bond index. Such that the two together match your desired allocation of a two fund plan. Add total int'l to the equation if you desire three fund plan.
by Unhandled
Tue Sep 15, 2020 10:29 am
Forum: Personal Investments
Topic: EE bonds soon?
Replies: 15
Views: 1118

Re: EE bonds soon?

You're looking for opinions- here's mine. You have 300K so you're already doing well. Doubling your investment in 20 years sounds great. But $10K in a 50/50 mix of VTSMX/VGTSX over the last 20 years would be $27,824 today- more than double (of course past performance is not a guarantee). Personally,...
by Unhandled
Mon Sep 14, 2020 10:33 am
Forum: Personal Investments
Topic: Thoughts on VTWAX Rebalancing
Replies: 19
Views: 1267

Re: Thoughts on VTWAX Rebalancing

However, if the investor instead chose to put all their money into VTWAX, there wouldn't be anything to rebalance into. The question: Does investing in a single fund remove this ability to leverage profits from a successful part of the fund to purchase more of the currently less performant asset? I...
by Unhandled
Thu Sep 10, 2020 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Medical billing question
Replies: 8
Views: 711

Re: Medical billing question

Check out https://www.fairhealthconsumer.org/. You can type in your zip code and the procedure you had (down to the CPT billing codes which you can find on your EOB). The site will show you the average cost of the procedure in your area. This will help you gauge whether they are charging a fair price.
by Unhandled
Wed Sep 09, 2020 9:02 am
Forum: Personal Consumer Issues
Topic: Very slow shower drain, plumber couldn't fix, ideas? - Update
Replies: 77
Views: 6373

Re: Very slow shower drain, plumber couldn't fix, ideas?

When my shower drained slowly, I used a toilet plunger. I let the shower pan fill up with an inch or two of water. After about 10 minutes of fiddling with the plunger applied to the drain, the shower was draining somewhat faster. Then when I flushed the toilet in the same bathroom, the water that wa...
by Unhandled
Tue Jul 28, 2020 11:30 am
Forum: Personal Investments
Topic: 401k Help - Target Date Fund
Replies: 17
Views: 976

Re: 401k Help - Target Date Fund

+1 for 100% SP500. EDIT: My Employer sponsored plans always have have always had higher expense ratios. What I do is get the cheapest index fund available at work (for me it's Vanguard Total Stock Index), contribute just enough to get the full match, and direct any additional retirement contribution...
by Unhandled
Tue Jul 28, 2020 11:03 am
Forum: Personal Investments
Topic: HSA - Portfolio Selection
Replies: 14
Views: 1112

Re: HSA - Portfolio Selection

I don't have much in my HSA. I've had it less than a year. Right now, for me, the HSA is more liquid/emergency fund-like than a retirement account. I won't touch the retirement accounts until I retire. But I may need to use the HSA earlier (for example: big medical bills in back to back years that e...
by Unhandled
Fri Jul 24, 2020 3:42 pm
Forum: Personal Investments
Topic: where to place HSA investments (Porfolio Help)
Replies: 4
Views: 396

Re: where to place HSA investments (Porfolio Help)

In my opinion this is bad idea. You're playing the market. You're willing to own individual stock because you believe it might (continue to) go up, but on the other hand, you don't like SP500 because a big chunk of it is....five individual stocks (giant companies who are already successful and unlik...
by Unhandled
Wed Apr 22, 2020 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Where is the government getting the stimulus money from? Do they have to pay it back?
Replies: 4
Views: 642

Re: Where is the government getting the stimulus money from? Do they have to pay it back?

Planet Money did a show on this question. You can listen or read transcript here:

https://www.npr.org/transcripts/821787090

Basically, the Fed is creating money out of thin air (electronically) and using it to buy government bonds.
by Unhandled
Tue Mar 03, 2020 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 7
Views: 746

Re: HSA question

(Numbers are using 2020 limits)

If you both have individual HDHP coverage, then it is $3550 + $3550.

If either of you (or both of you) has family HDHP coverage, then you can split $7100 between the two HSA accounts any way you choose.
by Unhandled
Thu Jun 13, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: Automobile air conditioning strategy
Replies: 21
Views: 2466

Re: Automobile air conditioning strategy

From what I understand, typical car AC systems don't have a "variable" amount of cooling power. That is, adjusting the temp dial doesn't save/gain any power. The compressor is always running at full power. Adjusting the dial merely mixes in more/less outside air into the generated "co...
by Unhandled
Mon Apr 29, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Toilets that never get used
Replies: 38
Views: 5975

Re: Toilets that never get used

F150HD wrote: Mon Apr 29, 2019 5:24 am I thought I read somewhere (?) there's a business you can hire where people come to your home and use the unused restrooms for you.
Airpnp?
by Unhandled
Mon Mar 25, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best gas credit cards hands down?
Replies: 65
Views: 9470

Re: What is the best gas credit cards hands down?

BJ's Wholesale Club credit card, 10 cents off per gallon at BJ's fuel stations. 2% off any other gas station.
by Unhandled
Fri Mar 22, 2019 11:07 am
Forum: Personal Investments
Topic: Vanguard - dissappointed
Replies: 44
Views: 6398

Re: Vanguard - dissappointed

[Deleted]
by Unhandled
Thu Oct 18, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Bitcoin after death...some thoughts to consider
Replies: 10
Views: 2577

Re: Bitcoin after death...some thoughts to consider

If the encryption is able to be broken then the value of ALL bitcoins drops to zero because now anyone can break the encryption on anyone's wallet, not to mention it probably has all kinds of implications on the trustworthiness of the blockchain.
by Unhandled
Wed Mar 21, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Outdoor Blower
Replies: 24
Views: 2034

Re: Outdoor Blower

I have often seen the EGO brand in stores and they look impressive. However all the 80v and even the 40v products are not affordable for me. I have been very happy with an 18V battery powered Ryobi "hard surface" blower. It has the option to run off battery or to plug in a cord. I rarely u...
by Unhandled
Mon Dec 18, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Single Purpose Device- Waffle Iron
Replies: 27
Views: 3056

Re: Single Purpose Device- Waffle Iron

[Deleted]
by Unhandled
Mon Dec 18, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: FSA & funding question
Replies: 9
Views: 1125

Re: FSA & funding question

$2100 sounds like overkill. I would start with a much lower amount. If you use it all up, then you adjust up the next year. No, FSA's do not invest in mutual funds or anything else like that. It's just a static account. I have four children all under eight years old. I error on the side of having to...
by Unhandled
Mon May 02, 2016 3:01 pm
Forum: Personal Investments
Topic: Savings Bond Calculator Issue - Advice?
Replies: 4
Views: 678

Re: Savings Bond Calculator Issue - Advice?

Give us the exact address of the page that is giving you the error. Then we can try it on our computers.

I went to the main "http://www.treasurydirect.gov/" using Chrome and didn't see any errors.
by Unhandled
Mon May 02, 2016 2:35 pm
Forum: Personal Investments
Topic: Savings Bond Calculator Issue - Advice?
Replies: 4
Views: 678

Re: Savings Bond Calculator Issue - Advice?

Give us the exact web page address that gave you this error. Then we can try it too.

I went to http://www.treasurydirect.gov/ using Chrome and experienced no errors.