Search found 4915 matches

by FrugalInvestor
Sun Jan 20, 2019 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Moving HSA to Fidelity - What to Invest In?
Replies: 7
Views: 653

Re: Moving HSA to Fidelity - What to Invest In?

My desire to have the HSA money available to us in the short to medium term has to do with the fact that as far as we now know my wife will remain on ACA health insurance for the next few years. She has very large deductibles and her in-network doctor pool is restricted. These and other features of ...
by FrugalInvestor
Sat Jan 19, 2019 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Moving HSA to Fidelity - What to Invest In?
Replies: 7
Views: 653

Moving HSA to Fidelity - What to Invest In?

I and my wife have had HSA accounts with HSA Bank for quite a few years and are preparing to move our accounts to Fidelity. We are retired and my wife is still contributing. We don't want the money to be at significant market risk as we want it available should either of us have significant medical ...
by FrugalInvestor
Fri Jan 18, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 159
Views: 16311

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

Mine is active today. I can change it either in the mobile app or online on the computer. I was told that the option to change the category would show up under the "Rewards" tab after I navigate to the web page of the cash back credit card. Is this where you found it on the computer? I'm still not ...
by FrugalInvestor
Thu Jan 17, 2019 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 159
Views: 16311

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

MMLC3 wrote:
Thu Jan 17, 2019 4:38 pm
has this gone live? I still don't see the option to pick categories for the 3%...
I called BofA yesterday and the rep said that although the announcement said choices would be available on the 14th the rollout is actually being phased in between the 14th and the 19th.
by FrugalInvestor
Thu Jan 17, 2019 7:21 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 117
Views: 9625

Re: Favorite quotes from Jack Bogle...an amazing man

Pete12 wrote:
Thu Jan 17, 2019 9:33 am
"Don't do something... just stand there!"
This is the one I use and repeat to myself most often.
by FrugalInvestor
Tue Jan 15, 2019 12:11 am
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 159
Views: 16311

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

MisterBill wrote:
Mon Jan 14, 2019 10:52 pm
libralibra wrote:
Mon Jan 14, 2019 5:31 pm
This page has a bunch of examples and exceptions http://bankofamerica.com/choosemycategory
But sadly not a link to change to a new category!
We scoured the BofA credit card website (after logging in) today and couldn't find a link either. Tomorrow I'll call if it's still not there.
by FrugalInvestor
Sun Jan 13, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 159
Views: 16311

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

Online shopping would be interesting. This is what we use ours for almost exclusively. We previously used out Citibank Double Cash card but they started having problems with their virtual card number generator and we use only virtual cards for online purchases. BofA still issues virtual cards with ...
by FrugalInvestor
Sun Jan 13, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 159
Views: 16311

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

Online shopping would be interesting. This is what we use ours for almost exclusively. We previously used out Citibank Double Cash card but they started having problems with their virtual card number generator and we use only virtual cards for online purchases. BofA still issues virtual cards with ...
by FrugalInvestor
Thu Jan 10, 2019 7:59 am
Forum: Personal Consumer Issues
Topic: Best way to match paint?
Replies: 22
Views: 1438

Re: Best way to match paint?

The suggestions of re-painting the wall corner-to-corner or the entire room are good ones. Paint can be closely matched but not nearly as accurately as paint retailers would have you believe. Most use computer matching which sounds precise but is not. The computer will get the color close but it wil...
by FrugalInvestor
Wed Jan 09, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 98
Views: 8902

Re: Shingrix [Vaccine availability]

This is my understanding and experience with Shingrix -- Both the first and second dose are the same shot Recommend the second shot is administered between 2 - 6 months after the first You may (or may not) feel lousy the day after the shot so plan accordingly Some people don't have any adverse reac...
by FrugalInvestor
Tue Jan 08, 2019 11:59 pm
Forum: Personal Consumer Issues
Topic: I bought a new iPad on sale...should I have?
Replies: 38
Views: 2539

Re: I bought a new iPad on sale...should I have?

I don't like using my phone for everything....as others have said it's just too small. But I choose to use a Chromebook rather than an iPad for two primary reasons. First and foremost, I don't like going without a keyboard. I can type much more quickly on a keyboard as I am now. Second, I am an Andr...
by FrugalInvestor
Tue Jan 08, 2019 11:39 am
Forum: Personal Finance (Not Investing)
Topic: When did tax planning become important for you?
Replies: 20
Views: 1428

Re: When did tax planning become important for you?

I knew little to nothing about tax planning until after I retired and became a Boglehead. Me too. When I was working I concentrated my energy on making and saving money. I'm sure I missed out on some opportunities during that time. After early retirement I invested a good amount of my time learning...
by FrugalInvestor
Mon Jan 07, 2019 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: B&M bank in Chicago to complement Ally?
Replies: 21
Views: 848

Re: B&M bank in Chicago to complement Ally?

We're not in Chicago but have used BofA for many years because they tend to have lots of cash machines for deposits/cash withdrawals and branches for the occasional notarization, etc. We maintain a free checking account there for our routine cash needs which requires only a minimum monthly auto dep...
by FrugalInvestor
Mon Jan 07, 2019 3:15 pm
Forum: Investing - Theory, News & General
Topic: Why Total Bond Market over CDs?
Replies: 22
Views: 2575

Re: Why Total Bond Market over CDs?

wolf359 wrote:
Mon Jan 07, 2019 9:06 am
I buy Total Bond Market for convenience, and because it's a long-term holding. The fewer decisions I have to make, the better.
This is it in a nutshell for me.
by FrugalInvestor
Mon Jan 07, 2019 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: B&M bank in Chicago to complement Ally?
Replies: 21
Views: 848

Re: B&M bank in Chicago to complement Ally?

We're not in Chicago but have used BofA for many years because they tend to have lots of cash machines for deposits/cash withdrawals and branches for the occasional notarization, etc. We maintain a free checking account there for our routine cash needs which requires only a minimum monthly auto depo...
by FrugalInvestor
Sun Jan 06, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: Vanguard Statements - Print or Electronic
Replies: 47
Views: 2692

Re: Vanguard Statements - Print or Electronic

I went to "New Accounts" and then to "Service Options Checklist." Under '#3 Save Paper and Time' is a link to 'View or Update Mailing Preferences.'

Hope this works for you. If not, it may be because I am on the old mutual fund platform rather than the new brokerage platform.
by FrugalInvestor
Sun Jan 06, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Vanguard Statements - Print or Electronic
Replies: 47
Views: 2692

Re: Vanguard Statements - Print or Electronic

How does one opt for only year end paper statements? That + electronic interim statements seems ideal. If you find "customize your mail delivery preferences" on the Vanguard website there are columns for 'e-delivery', 'U.S. Mail' and 'Printed Notice.' The first row on the left is titled 'Statements...
by FrugalInvestor
Sun Jan 06, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: Vanguard Statements - Print or Electronic
Replies: 47
Views: 2692

Re: Vanguard Statements - Print or Electronic

How does one opt for only year end paper statements? That + electronic interim statements seems ideal. If you find "customize your mail delivery preferences" on the Vanguard website there are columns for 'e-delivery', 'U.S. Mail' and 'Printed Notice.' The first row on the left is titled 'Statements...
by FrugalInvestor
Sat Jan 05, 2019 11:45 pm
Forum: Personal Consumer Issues
Topic: Vanguard Statements - Print or Electronic
Replies: 47
Views: 2692

Re: Vanguard Statements - Print or Electronic

I have year-end statements only mailed to me and that's all I save. I haven't contributed anything to my taxable account since retirement 15+ years ago. All of my taxable is in Vanguard Total Stock market. I tax-loss harvested that entire account during the '08-'09 downturn which resulted in many ye...
by FrugalInvestor
Sat Jan 05, 2019 7:55 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 98
Views: 8902

Re: Shingrix [Vaccine availability]

DW and I just received our second shot.... I used the same method in October for the first shot. I found the first shot at a Walgreens. This time, I found it at a supermarket pharmacy. Why didn’t you wait longer for the second shot? The ideal spacing between the two shots is 6 months as I understan...
by FrugalInvestor
Wed Jan 02, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 130
Views: 16002

Re: LED light bulbs

Update on my Costco Feit brand LED bulbs after about 4 years. I experienced a fairly high failure rate within a month or so of initial installation. Since the bulbs were purchased at Costco there was no problem returning the defective ones and getting replacements. Once the failed bulbs were replac...
by FrugalInvestor
Sun Dec 30, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions sought $3.5 M Net Worth
Replies: 76
Views: 8911

Re: Opinions sought $3.5 M Net Worth

Health insurance is a massive issue! My wife and I of course have accumulated a few “pre-existing conditions “ and I must find out how I will get insurance and how much it will cost. With the attack on Obama Care this May be my greatest problem. In my position, part-time work with benefits is commo...
by FrugalInvestor
Thu Dec 27, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: How much do you pay for cable/internet/cellphone
Replies: 95
Views: 5727

Re: How much do you pay for cable/internet/cellphone

$37 for YouTubeTV (instead of cable...grandfathered at original rate)
$47 for fiber optic internet service (local provider 15mbps)
$45-$50 cell phone service for two of us (Google Fi)
$7.50 for a Voip 'landline' service

All prices include taxes & fees.
by FrugalInvestor
Wed Dec 26, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Wow, Behaviorial Finance is Real
Replies: 49
Views: 9015

Re: Wow Behaviorial Finance is Real

If behavioral finance weren't a "thing" you wouldn't see all of the threads you have been seeing these past two weeks. Look for lots more to come. Best thing is to learn from the mistakes of others. Congratulations for noticing your behavior while tax loss harvesting. The more you study BF, the mor...
by FrugalInvestor
Sat Dec 22, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: How market timing will go wrong?
Replies: 62
Views: 3895

Re: How market timing will go wrong?

What I've seen friends and acquaintances do is to get very nervous as the market falls and then sell out when it's near the bottom. To successfully time the market they should have sold just before the market fell and be buying back in at about the time they sell. Instead they sold near the low poin...
by FrugalInvestor
Fri Dec 14, 2018 9:48 am
Forum: Investing - Theory, News & General
Topic: Having the self-discipline to stay the course -- do you take pride in it?
Replies: 16
Views: 1107

Re: Having the self-discipline to stay the course -- do you take pride in it?

I don't think I take pride in it but I am thankful that Bogleheads taught me the value of doing nothing instead of doing something. I like the idea of getting paid for what I don't do! :D
by FrugalInvestor
Mon Dec 10, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 130
Views: 16002

Re: LED light bulbs

If you're seeing a high failure rate on LED bulbs, you probably have fixtures that are not a good match for them. In my case I had a high initial failure rate but once those bulbs were replaced (same brand of bulb from same source replaced within a couple of months of the originals) the failure rat...
by FrugalInvestor
Mon Dec 10, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 130
Views: 16002

Re: LED light bulbs

I have had 6 or 8 of the Costco FEIT bulbs burn out prematurely. I have been using them for about two years now. I am curious are you returning them to Costco or warranting them through FEIT? I have been going to FEIT to get my replacements. I took mine back to Costco and exchanged for a new bulb(s...
by FrugalInvestor
Mon Dec 10, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 130
Views: 16002

Re: LED light bulbs

I have had 6 or 8 of the Costco FEIT bulbs burn out prematurely. I have been using them for about two years now. I am curious are you returning them to Costco or warranting them through FEIT? I have been going to FEIT to get my replacements. I took mine back to Costco and exchanged for a new bulb(s...
by FrugalInvestor
Sun Dec 09, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 130
Views: 16002

Re: LED light bulbs

read somewhere before (and can't find it now) that mercury in once CFL bulb is enough to poison water in a small lake Here's an article on the subject by the Environmental Defense Fund..... http://blogs.edf.org/climate411/2007/07/31/cfl_mercury-2/ Quote from article... The phrase "contains mercury"...
by FrugalInvestor
Sat Dec 08, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 130
Views: 16002

Re: LED light bulbs

Update on my Costco Feit brand LED bulbs after about 4 years. I experienced a fairly high failure rate within a month or so of initial installation. Since the bulbs were purchased at Costco there was no problem returning the defective ones and getting replacements. Once the failed bulbs were replace...
by FrugalInvestor
Fri Dec 07, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 58
Views: 4158

Re: portable jump starters

I also have one that I purchased at Costco a couple of years ago. I've noticed them in the store recently on sale for $50 or less. I've used mine to jump my own cars as well as another guy's in a parking lot. It works very well. My wife has also used it to power her phone. It's light enough to carry...
by FrugalInvestor
Thu Dec 06, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: Three Funds for Retirement Years
Replies: 8
Views: 1212

Re: Three Funds for Retirement Years

I've been retired for 15 years and have held a 3-fund or 2-fund portfolio for most of that time. It has been very tax efficient for me but this will vary somewhat depending upon your mix of taxable to tax deferred accounts and how that compares to your desired asset allocation. I'm 50/50 for both so...
by FrugalInvestor
Wed Dec 05, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Does new Fidelity Individual HSA charge a monthly account fee?
Replies: 33
Views: 3552

Re: Does new Fidelity Individual HSA charge a monthly account fee?

How would I pay medical bills from my Fidelity HSA? Debit card? Checks? Are there fees for these things? Or do I just pay the the bills and then reimburse my checking from the Fidelity HSA account? Or something else? You can request a debit card to directly pay bills from the HSA. However, some fol...
by FrugalInvestor
Tue Dec 04, 2018 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Does new Fidelity Individual HSA charge a monthly account fee?
Replies: 33
Views: 3552

Re: Does new Fidelity Individual HSA charge a monthly account fee?

How would I pay medical bills from my Fidelity HSA? Debit card? Checks? Are there fees for these things? Or do I just pay the the bills and then reimburse my checking from the Fidelity HSA account? Or something else? You can request a debit card to directly pay bills from the HSA. However, some fol...
by FrugalInvestor
Tue Dec 04, 2018 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Does new Fidelity Individual HSA charge a monthly account fee?
Replies: 33
Views: 3552

Re: Does new Fidelity Individual HSA charge a monthly account fee?

How would I pay medical bills from my Fidelity HSA? Debit card? Checks? Are there fees for these things? Or do I just pay the the bills and then reimburse my checking from the Fidelity HSA account? Or something else? My employer provided account provides a debit card. That is the easiest way to use...
by FrugalInvestor
Tue Dec 04, 2018 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Does new Fidelity Individual HSA charge a monthly account fee?
Replies: 33
Views: 3552

Re: Does new Fidelity Individual HSA charge a monthly account fee?

How would I pay medical bills from my Fidelity HSA?
Debit card? Checks? Are there fees for these things?
Or do I just pay the the bills and then reimburse my checking from the Fidelity HSA account?
Or something else?
by FrugalInvestor
Sat Dec 01, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: HSA employee contributions subject to FICA?
Replies: 42
Views: 2974

Re: HSA employee contributions subject to FICA?

2. You are required to save your receipts for ever (in case of audit). Not if you, like nearly everyone not on this forum, pay your medical bills with the account as you get them. This is what I do and then the excess is saved/invested. If used for future medical expenses it will be tax-free, if no...
by FrugalInvestor
Sat Dec 01, 2018 10:52 am
Forum: Investing - Theory, News & General
Topic: HSA employee contributions subject to FICA?
Replies: 42
Views: 2974

Re: HSA employee contributions subject to FICA?

See here.... https://www.shrm.org/resourcesandtools/hr-topics/benefits/pages/hsa-tax-benefits.aspx From article.... “I personally believe the best way to make contributions is through payroll deductions,” said Lindgren, citing the resulting tax advantages. Under that approach, contributions are tax-...
by FrugalInvestor
Fri Nov 30, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65367

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I was just on the phone with Fidelity and have been told that there is no fee reimbursement. :( Is everybody here being told something different? No. Read back in this thread. Yes. I did. A saw many people who were told fees would be reimbursed. Some were told above $25K transfers, many different r...
by FrugalInvestor
Fri Nov 30, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65367

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

schildi wrote:
Fri Nov 30, 2018 4:24 pm
I was just on the phone with Fidelity and have been told that there is no fee reimbursement. :(
Is everybody here being told something different?
No. Read back in this thread.
by FrugalInvestor
Thu Nov 29, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Finally cutting cable -- is 40mbps enough for streaming services?
Replies: 40
Views: 4474

Re: Finally cutting cable -- is 40mbps enough for streaming services?

Jordan4FI wrote:
Thu Nov 29, 2018 2:12 pm
Do not get caught up in paying for more than what you really need. Most people pay for a service that could cover a mid size buisness
+1
And your internet provider will always be more than happy to upgrade you if necessary - and maybe give you a deal to boot.
by FrugalInvestor
Sun Nov 25, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Unsatisfactory Hotel Experience
Replies: 27
Views: 2960

Re: Unsatisfactory Hotel Experience

Yes, you should complain. In my experience an honest and legitimate complaint will often but certainly not always result in some sort of compensation, but I don't complain expecting that. I complain because the service provider needs to be made aware of the situation, otherwise future customers will...
by FrugalInvestor
Wed Nov 21, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65367

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

What process did you go through with Fidelity to initiate the transfer? I opened a new HSA account online through the Fidelity website. Then I followed the procedure to initiate a transfer of assets (they call it a TOA) online, it autopopulated my information on a pdf form that I printed out and si...
by FrugalInvestor
Wed Nov 21, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65367

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I am transferring my HSA from Health Savings Administrators to Fidelity. I spoke to a rep at Health Savings Administrators yesterday and she said that when they get the transfer request from Fidelity, they will liquidate my investments to cash and transfer the cash to Fidelity. Fee amount? Removed ...
by FrugalInvestor
Wed Nov 21, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65367

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I am transferring my HSA from Health Savings Administrators to Fidelity. I spoke to a rep at Health Savings Administrators yesterday and she said that when they get the transfer request from Fidelity, they will liquidate my investments to cash and transfer the cash to Fidelity. Fee amount? Removed ...
by FrugalInvestor
Wed Nov 21, 2018 9:15 am
Forum: Investing - Theory, News & General
Topic: Opinion Required
Replies: 41
Views: 2454

Re: Opinion Required

I think you think that you know too much.
by FrugalInvestor
Wed Nov 21, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: Which cars can be unlocked and started from a smart phone?
Replies: 28
Views: 1840

Re: Which cars can be unlocked and started from a smart phone?

FWIW, some of the apps I've read about that do this are clumsy and slow to use.
by FrugalInvestor
Tue Nov 20, 2018 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: I was 30% into US stocks.. Down 5.5% YTD. Should I now get back in ?
Replies: 14
Views: 1983

Re: I was 30% into US stocks.. Down 5.5% YTD. Should I now get back in ?

It's always okay to put money into the market provided you're planning to keep it there for the long term. If you're planning to jump in and out, it's a terrible idea.