Search found 8 matches

by leadeyes
Mon Jul 04, 2016 12:42 am
Forum: Personal Investments
Topic: Emergency Fund
Replies: 7
Views: 990

Re: Emergency Fund

OP,

Without knowing your marginal tax rate and state of residence, a very rough rule of thumb people use to decide between taxable and exempt bonds is 25% bracket. If above it, tax exempt funds make sense. Very rough indeed.
by leadeyes
Mon Jul 04, 2016 12:39 am
Forum: Personal Investments
Topic: Emergency Fund
Replies: 7
Views: 990

Re: Emergency Fund

OP,

Without knowing your marginal tax rate and state of residence, a very rough rule of thumb people use to decide between taxable and exempt bonds is 25% bracket. If above it, tax exempt funds make sense. Very rough indeed.
by leadeyes
Sun Jul 03, 2016 6:42 pm
Forum: Personal Investments
Topic: Cheap HSA administrator recommendations
Replies: 6
Views: 673

Re: Cheap HSA administrator recommendations

I have found saturna to be excellent. There is a very thorough boglehead review i found helpful. Also i felt the customer service is quite good. You will talk to a live person within 2 minutes of calling without fail my only recommendation is to purchase the entire years stock or mutual fund in one ...
by leadeyes
Sat Jul 02, 2016 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: mango and netspend fees
Replies: 2
Views: 393

Re: mango and netspend fees

jjface wrote:You will need to close them or will be charged inactivity fees with netspend and monthly fees with mango. It is easy enough to do online thankfully. No fee to close.

Thats excellent! I had not seen that option to close out the account. Will find and report back.

Thank you very much!
by leadeyes
Sat Jul 02, 2016 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: mango and netspend fees
Replies: 2
Views: 393

mango and netspend fees

Does anyone know if i zero out netspend and mango accounts, will i continue to be charged inactivity fees? Also is there a fee to close out the accounts? Any otjer fees to be cognizant of?
by leadeyes
Tue Feb 02, 2016 7:30 pm
Forum: Personal Investments
Topic: Cash Balance vs. Taxable
Replies: 19
Views: 2128

Re: Cash Balance vs. Taxable

I have a cash balance plan with my work. However, I am embarrassed to say that I know substantially less regarding its logistics and operations The main reason that I invested in the plan was because I am in the same tax bracket as you. The plan seemed preferable to giving 40% of my income in taxes ...
by leadeyes
Fri Jan 29, 2016 8:30 pm
Forum: Personal Investments
Topic: yet another TLH mistake
Replies: 2
Views: 582

Re: yet another TLH mistake

livesoft,

oh wow. much to digest. will post back results after absorbing this knowledge!

thanks for your help! much appreciated.
by leadeyes
Fri Jan 29, 2016 7:39 pm
Forum: Personal Investments
Topic: yet another TLH mistake
Replies: 2
Views: 582

yet another TLH mistake

Hello all, Thanks for your insight on this question. Despite having read multiple posts on TLH, i still managed to make stupid mistakes. Basically, to garner 100K for a downpayment, i sold about 60K VTIAX for a 5k loss back in august 2015 stupid mistake i made is that i forgot to turn off the automa...