Search found 145 matches

by GridironGems
Tue Jun 26, 2018 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Medicare HSA to HRA
Replies: 10
Views: 675

Re: Medicare HSA to HRA

Yes, the employer contributes $250 every few months for a total of $1,000. I think we have it figured out now as the employer meant the contributions since April have to be in a HRA and used by the time she retires. Thanks for all the help!
by GridironGems
Mon Jun 25, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare HSA to HRA
Replies: 10
Views: 675

Re: Medicare HSA to HRA

She turned 65 October 12, 2017
by GridironGems
Mon Jun 25, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Medicare HSA to HRA
Replies: 10
Views: 675

Re: Medicare HSA to HRA

She is planning on retiring November 1 and applying for Medicare October 1. So 6 months prior to October 1 would be April 1. She has been contributing to her HSA during this time, so what will happen to the money she has contributed since April 1?
by GridironGems
Mon Jun 25, 2018 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Medicare HSA to HRA
Replies: 10
Views: 675

Re: Medicare HSA to HRA

Since an individual owns their HSA, it cannot and does not need to be turned into an HRA.

This is what has me confused, why does the employer say the HSA has to be turned into an HRA?
by GridironGems
Mon Jun 25, 2018 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Medicare HSA to HRA
Replies: 10
Views: 675

Re: Medicare HSA to HRA

Thanks for the information Ron, it was very helpful. It made it sound like she would have to use up all of her HSA funds before her retirement date, but I guess that is not the case. So since she will be retired, her HRA will work just like an HSA would when she was working?
by GridironGems
Mon Jun 25, 2018 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Medicare HSA to HRA
Replies: 10
Views: 675

Medicare HSA to HRA

I have a coworker whom is getting ready to retire and had her retirement meeting last week. She is 65 and did not register for Medicare because she was still working and using the employer's health insurance. She was informed due to this, her HSA would turn into an HRA and Medicare would back date i...
by GridironGems
Sun Jun 10, 2018 7:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: Kansas City Diehard Group
Replies: 36
Views: 12207

Re: Kansas City Diehard Group

How did the March meeting go? I live in Manhattan, KS and just curious
by GridironGems
Sun Feb 25, 2018 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 149
Views: 9205

Re: Long term care insurance

I'm 31 and who knows what it'll look like in 30 years, but I plan on using part of my HSA to pay for LTC premiums
by GridironGems
Sat Feb 17, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Best way to sell a Washer and Dryer
Replies: 11
Views: 1164

Re: Best way to sell a Washer and Dryer

Looks like Craigslist / Facebook are probably the best options. How about how to determine how much to sell them for? I am not sure what he paid for them, but for brand new, they are going for $1,300 or so
by GridironGems
Tue Feb 13, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: Best way to sell a Washer and Dryer
Replies: 11
Views: 1164

Best way to sell a Washer and Dryer

I help out a gentleman whom is in a retirement facility and he recently moved to a different room. He moved to this facility in 2013 and purchased a Whirlpool Duet stackable washer and dryer. He no longer needs it in his new room and I do not have washer and dryer hookups in my apartment, so I curre...
by GridironGems
Thu Feb 08, 2018 7:39 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Growth
Replies: 5
Views: 1196

Re: Small Cap Growth

I agree with all of you. I think my Total Stock Market and Total International index funds are risky enough and just fine. I also have one my Roth IRA's in the 2050 Target Retirement fund, which he does like target retirement funds, but thought I should be more aggressive with that as well. I did ag...
by GridironGems
Wed Feb 07, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Growth
Replies: 5
Views: 1196

Small Cap Growth

I met with someone today who thought index funds weren't aggressive enough for me (I'm 31). He recommended small cap growth funds and international growth funds. Thought it was interesting... Also told me don't be afraid to use some of my HSA to pay medical expenses instead of just paying out of my ...
by GridironGems
Sat Feb 03, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 97
Views: 9455

Re: New Brake Pads

I got it done this past week for $410 total. Would have been $450, but I used a $40 dollars off coupon if you spend $399+
by GridironGems
Mon Jan 22, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 97
Views: 9455

Re: New Brake Pads

Thanks for all the replies! Only thing you guys didn't mention was telling me how easy it is to do an oil change and do it myself :wink: I called a local place today I wanted to get a quote from, and they didn't want to give me one until they looked at my car and they are booked until February 16. S...
by GridironGems
Sat Jan 20, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 97
Views: 9455

Re: New Brake Pads

I had my oil changed today and found out I need new brake pads. They quoted me: $229 plus tax for front brake pads and resurface the front rotors $171 plus tax for rear brake pads Does this seem like a reasonable cost? Any suggestions? Depends. Did they give you an estimate of how much you "needed"...
by GridironGems
Sat Jan 20, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 97
Views: 9455

Re: New Brake Pads

I have a 2002 Honda Accord and take my car to the Toyota/Honda dealer. They have a sheet where they follow certain checkups and brakes are on that piece of paper and they check them every other oil change I called another shop and they quoted me a higher price. There are a couple local shops I will ...
by GridironGems
Sat Jan 20, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 97
Views: 9455

New Brake Pads

I had my oil changed today and found out I need new brake pads. They quoted me:

$229 plus tax for front brake pads and resurface the front rotors
$171 plus tax for rear brake pads

Does this seem like a reasonable cost? Any suggestions?
by GridironGems
Fri Jan 12, 2018 10:11 pm
Forum: Investing - Theory, News & General
Topic: How to see YTD% at Vanguard
Replies: 22
Views: 2452

Re: How to see YTD% at Vanguard

BlackHat wrote:
Fri Jan 12, 2018 10:03 pm
If you go the My Account drop down menu, there will be a personal performance option there.
I see the dollar sign numbers, but not the % on that page
by GridironGems
Fri Jan 12, 2018 9:59 pm
Forum: Investing - Theory, News & General
Topic: How to see YTD% at Vanguard
Replies: 22
Views: 2452

How to see YTD% at Vanguard

I see people post how much they are up, but I do not see that on the Vanguard website. I am fairly new to this, so maybe I'm just not looking at the correct spot. Obviously, i could do the math on it, but figure there has to be a simpler way. Thanks!
by GridironGems
Thu Jan 11, 2018 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest my HSA - Lively
Replies: 30
Views: 5442

Re: How to Invest my HSA - Lively

I received my HSA money in the TD Ameritrade account today and decided to put all $6,100 of it into SPTM. If you don't mind my asking, how long did the transfer of funds take to arrive at Lively (from your previous HSA custodian, after submitting the HelloSign doc)? Mine took 10 weeks, but it was N...
by GridironGems
Thu Jan 11, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest my HSA - Lively
Replies: 30
Views: 5442

Re: How to Invest my HSA - Lively

I received my HSA money in the TD Ameritrade account today and decided to put all $6,100 of it into SPTM. I added up all of my retirement funds (except for my current employer pension) and if I consider the Annuity Roth IRA as a bond, I currently hold a 61% stock / 39% bond mix. As I add to my HSA a...
by GridironGems
Fri Jan 05, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: How to Invest my HSA - Lively
Replies: 30
Views: 5442

Re: How to Invest my HSA - Lively

Does TD Ameritrade have a Total World option? That could be an option for me as well.
by GridironGems
Wed Jan 03, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 165
Views: 19483

Re: Max It Out Tomorrow [your IRA]

Put in my $5,500 into my Vanguard Roth IRA 2050 Target Retirement Fund!
by GridironGems
Sat Dec 30, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: Las Vegas Deals
Replies: 8
Views: 1038

Re: Las Vegas Deals

I second the Royal Caribbean promotion. Used it once and saved a lot of money at Aria. Another suggestion, if you're willing to put a bit of time into it, is to play the Facebook/mobile game MyVegas. During low traffic times, they have rewards for 2 to 3 nights at various MGM hotels. I've stayed at...
by GridironGems
Sat Dec 30, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Las Vegas Deals
Replies: 8
Views: 1038

Las Vegas Deals

What/where are the best places to find deals on food, drinks, shows, and clubs in Las Vegas?
by GridironGems
Wed Dec 27, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest my HSA - Lively
Replies: 30
Views: 5442

Re: How to Invest my HSA - Lively

Since SPTM is commission-free at TD Ameritrade, I'd use that as my core fund, possibly my only fund in that account. (All else being equal, I'd use ITOT over SPTM because it is a more established and trades more liquidly, but ITOT is not commission-free at TD Ameritrade. And the differences are ins...
by GridironGems
Tue Dec 26, 2017 11:19 am
Forum: Investing - Help with Personal Investments
Topic: How to Invest my HSA - Lively
Replies: 30
Views: 5442

Re: How to Invest my HSA - Lively

I’m assuming you’re young based on the target date. Doesn’t seem like an annuity would make sense now if retirement is so far off. I’d look at that. Can you reallocate that? You need to determine how risky you want to be. You have some bonds in the target fund. Probably 10-20% of that. So overall y...
by GridironGems
Tue Dec 26, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: How to Invest my HSA - Lively
Replies: 30
Views: 5442

How to Invest my HSA - Lively

I am trying to decide on how to invest my HSA with Lively / TD Ameritrade. Currently I have: $11,500 in Flexible Premium Deferred Indexed Annuity (Roth IRA) $5,775 in Target Retirement Fund 2050 (Roth IRA) and will put 2018 $5,500 contribution into this I have a pension from work where I'll currentl...
by GridironGems
Tue Dec 19, 2017 6:00 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 140
Views: 17356

Re: Paul Merriman and Small Cap Value

How much small cap value is there in the total stock market?
by GridironGems
Mon Dec 18, 2017 10:47 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 140
Views: 17356

Re: Paul Merriman and Small Cap Value

^Small-cap value is going to be one of the worst performing stock asset classes for 2017. But 2016, was a great year. While one can look at total return from Date X to Date Y, I don't think that's the way to really know what this asset class can do for one's portfolio. One has to sell it when it go...
by GridironGems
Mon Dec 18, 2017 2:57 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 140
Views: 17356

Re: Paul Merriman and Small Cap Value

Currently I just own the 2050 Target Retirement Fund, VTI, and VXUS.

Should I add small cap value to my portfolio, or just keep on adding to those 3 funds?

Vanguard has:
Vanguard Small-Cap Value ETF (VBR) and
Vanguard S&P Small-Cap 600 Value ETF (VIOV)

Do you guys use either of these 2 funds?
by GridironGems
Mon Dec 18, 2017 2:51 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 140
Views: 17356

Re: Paul Merriman and Small Cap Value

I don't think people here are too fond of small cap value and would only consider a small percentage of it, if at all. Just found it interesting how Paul Merriman keeps talking it up Merriman has been talking it up for more than 30 years I think. LOTS of Bogleheads are quite fond of small cap value...
by GridironGems
Sun Dec 17, 2017 6:32 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 140
Views: 17356

Paul Merriman and Small Cap Value

Paul Merriman has been talking a lot about small cap value recently including in his new target date funds and had a podcast just on the small cap value subject. He obviously loves this asset class and recommends it over the total stock market. His new target date funds has the majority of it in sma...
by GridironGems
Sat Dec 16, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Best place to get a Suit
Replies: 21
Views: 2127

Re: Best place to get a Suit

I am 31 and wanting one for job fairs and interviews. I am starting the certificate in personal financial planning program at Kansas State next semester and have seen people in jackets and ties for the job fairs/interviews they conduct
by GridironGems
Fri Dec 15, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: Best place to get a Suit
Replies: 21
Views: 2127

Best place to get a Suit

I am in the need of a suit or suits and am wondering the best place to get one. I have seen advertisements for buy one, get one once in awhile, but haven't recently. I have never bought one and really don't know where to start.
by GridironGems
Fri Dec 15, 2017 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account Bonus
Replies: 2
Views: 674

Online Savings Account Bonus

I am looking for the top bonus being offered by an online savings account at the moment. I currently have my money in CIT for 1.35% APR and 1.55% 11 month no penalty CD. I've had my money in there for more than 90 days and have my $100 bonus on its way. So now I'm looking for the next best bonus to ...
by GridironGems
Fri Dec 15, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Fee-Only Financial Advisor Help
Replies: 19
Views: 2841

Re: Becoming a Fee-Only Financial Advisor Help

Investment advisor path, schools, certification. https://www.kitces.com/blog/how-to-pick-the-best-cfp-registered-program-to-complete-your-cfp-education-requirement/ i graduated from Kansas State University in 2009 and work for KSU. I took an undergrad Personal Financial Planning class this semester...
by GridironGems
Wed Dec 13, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 87
Views: 9107

Re: Ancestry / 23andMe

I did MyHeritage. They have a $49 special if you buy two going on now. Though the major parts were what I expected, there were some surprises. I was around 10% Scandinavian, 8% Greek and 12% Irish/Scottish none of which my family knew. We thought we were more French and German. I thought it was int...
by GridironGems
Tue Dec 12, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 48
Views: 8626

Re: best cashback credit card ?

I haven't seen this one mentioned yet, I don't have it but am considering it:
Uber Credit Card

4% on dining (bars, restaurants, uberEats)
3% on travel (hotel, airfare)
2% on online purchases (including uber)
1% on everything else

$100 signup bonus after spending 500 in first 3 months
by GridironGems
Tue Dec 12, 2017 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: 529 for Niece/Nephew
Replies: 2
Views: 570

Re: 529 for Niece/Nephew

It doesn’t matter which state plan you use, just pick the best one. Look at the deans list list with high honors. I would do seperate plans for each child. http://clark.com/education/clarks-529-plan-guide/ There are advantages of the parent owning the plan. If the child’s parents have opened one, t...
by GridironGems
Tue Dec 12, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: 529 for Niece/Nephew
Replies: 2
Views: 570

529 for Niece/Nephew

I am thinking about opening up a 529 Plan for my niece and nephew for Christmas but have a few questions first. I live in Kansas and they live in Oklahoma, the Oklahoma 529 plan is average with expenses around .4 for the age based plans. Would it be better if my brother (the dad) opened up the plan ...
by GridironGems
Tue Dec 12, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 87
Views: 9107

Re: Ancestry / 23andMe

My parents have been wanting to get a new computer and I asked my mom what was she wanting to do on the computer, and she mentioned genealogy, which is what gave me this idea. They do not know what computer to get, but has to have a CD drive as my mom has pictures on CD's from Wal-Mart that she wan...
by GridironGems
Tue Dec 12, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 87
Views: 9107

Re: Ancestry / 23andMe

OP: If you are just interested in your ancestry, and not concerned about making connections with relatives, you might want to try the National Geographic Geno project. https://genographic.nationalgeographic.com/about/ I have never heard of this, how does it compare to the others? Would I want to ge...
by GridironGems
Mon Dec 11, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 25887

Re: Do people still use AAA?

AAA needs better marketing. If you have coverage from your Insurance, all towing, tire change, running out of gas, locked keys, battery jump count as Insurance Claims on your CLUE report. AAA services do not count on CLUE report, if more people knew this, AAA will have a surge in membership. Clark ...
by GridironGems
Mon Dec 11, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 87
Views: 9107

Re: Ancestry / 23andMe

My parents have been wanting to get a new computer and I asked my mom what was she wanting to do on the computer, and she mentioned genealogy, which is what gave me this idea. They do not know what computer to get, but has to have a CD drive as my mom has pictures on CD's from Wal-Mart that she want...
by GridironGems
Mon Dec 11, 2017 10:09 pm
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 87
Views: 9107

Ancestry / 23andMe

I am considering giving this to my parents for Christmas (one of each for both of them). Not everyone wants to know the health part of 23andMe and I honestly do not know if my parents would want to know or not. If I just got the ancestry part of 23andMe, are Ancestry and 23andMe ancestry results sim...
by GridironGems
Sun Dec 10, 2017 10:37 pm
Forum: Investing - Theory, News & General
Topic: Prosper
Replies: 12
Views: 2186

Prosper

Have any of you guys used Prosper or any of the other peer to peer lending sites? I don't need a loan, rather considering using it as an investment. Advantages/Disadvantages. Easy to use and worth it?
by GridironGems
Mon Dec 04, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Spousal Benefit
Replies: 23
Views: 2865

Re: Social Security Spousal Benefit

Alright thanks for all your guys help. I will mention some of this to my parents...but man they always have to make everything so complicated don't they?
by GridironGems
Sun Dec 03, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Spousal Benefit
Replies: 23
Views: 2865

Re: Social Security Spousal Benefit

I'm surprised no one suggested that she file at age 62 and he immediately files a restricted application on her benefit. She would recive 75% of her PIA (amount of benefit at her FRA), and he would receive 1/2 of her PIA until he turns 70, when he would file for his own benefit. This is likely the ...
by GridironGems
Sun Dec 03, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Trust or Will
Replies: 14
Views: 2233

Re: Trust or Will

Just some basic information, don't know if it matters to you or not:

Wills go to probate.
Trusts are private information.
Wills are public information.

If properties or assets are in different states, trusts make it much simpler