Search found 753 matches

by Tdubs
Mon Oct 21, 2019 8:02 am
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 970
Views: 71832

Re: My trend following strategy and experience

tadamsmar wrote:
Mon Oct 21, 2019 8:00 am
Tdubs wrote:
Mon Oct 21, 2019 7:57 am

Sorry for wandering into this thread so late. Are your updates buried among the 20 pages of discussion? Or, is there one place to find it all the moves?
Updates are at the bottom of the original post of this thread.
Thanks!
by Tdubs
Mon Oct 21, 2019 7:57 am
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 970
Views: 71832

Re: My trend following strategy and experience

IMHO if doing a simple strategy, use a low/min vol index. Less junky companies = better signal, less troughs & less peaks = less whipsaws. And even on a false signal you're selling higher & buying lower. I think that a target volatility approach using broad market indices and bonds, preferably long...
by Tdubs
Sun Oct 20, 2019 3:37 pm
Forum: Personal Investments
Topic: Two HSA Questions
Replies: 16
Views: 1055

Re: Two HSA Questions

From what i’ve read id need a qualifying life event to change the payroll deductions outside of open enrollment. That isn't correct for my agency, which uses Employee Express. I can go in and request a change to the HSA deduction any time. The companies that I've dealt with all have you set a month...
by Tdubs
Sun Oct 20, 2019 10:45 am
Forum: Personal Investments
Topic: Two HSA Questions
Replies: 16
Views: 1055

Re: Two HSA Questions

Hello - I'm not sure I understand your first question. Contributing to an HSA will reduce your taxable income regardless of whether you have enough deductions to eclipse the standard deduction amount. HSA contributions are not itemized deductions. HSA contributions are deductions from income like 4...
by Tdubs
Sun Oct 20, 2019 7:17 am
Forum: Personal Investments
Topic: Two HSA Questions
Replies: 16
Views: 1055

Re: Two HSA Questions

I have previously not taken full advantage of HSAs. (I'm contributing a few hundred $'s this year) Open enrollment is here for 2020, and I'm going to max it out for next year. I am married filing jointly, so that will be an extra $7K tax protected added to maxing out my 401K, my Roth IRA, and my wi...
by Tdubs
Sun Oct 20, 2019 6:46 am
Forum: Personal Investments
Topic: New Savings and Checking Options
Replies: 22
Views: 1774

Re: New Savings and Checking Options

Rates have been falling. Picking a bank for high checking or savings rates has the risk that they drop the rates. I often laugh when someone switches banks for rates. The difference between 2.1% and 2% on $100,000 compounded daily is $102.06. How many are moving 6 figures vs $20,000 and getting $20...
by Tdubs
Sun Oct 20, 2019 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Searching for a 401 k provider for a very small company
Replies: 10
Views: 837

Re: Searching for a 401 k provider for a very small company

Hi Bogleheads, Any suggestion for a good 401 k provider for a small company? I am a professional and my company has only 2 full time employees. Opened my own practice 5 years ago and now decided it’s time to start a 401 k plan to save for retirement . Called Vanguard and the fees of maintaining the...
by Tdubs
Sat Oct 19, 2019 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Are there HSA matches for Federal employees?
Replies: 39
Views: 2496

Re: Are there HSA matches for Federal employees?

4 I think you pay $5 for an annual exam, and they throw in a decent chunk of change for lenses & frames. That’s a great addition. Thanks for sharing Do you have access to Checkbook.com through your agency? You can see cost comparisons between the plans in cost and coverage. The dental and vision in...
by Tdubs
Sat Oct 19, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Fed w/ non-fed working spouse - HDHP ?
Replies: 14
Views: 977

Re: Fed w/ non-fed working spouse - HDHP ?

Thanks for all the help! Does my middle ground plan of switching the kids to my wife’s plan so that the only family member with an HDHP make sense? You mean so that you are the only family member on the HDHP? So you would be paying a higher combined premium and only be able to contribute half as mu...
by Tdubs
Fri Oct 18, 2019 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Fed w/ non-fed working spouse - HDHP ?
Replies: 14
Views: 977

Re: Fed w/ non-fed working spouse - HDHP ?

According to IRS Pub. 969, if you have family HDHP coverage, you can contribute the family amount to your HSA. https://www.irs.gov/publications/p969#en_US_2018_publink1000204046 If your spouse is old enough to qualify for catch-up contributions, she would have to have her own HSA to capture that; o...
by Tdubs
Fri Oct 18, 2019 11:15 am
Forum: Investing - Theory, News & General
Topic: Edward Jones presentation at the senior center
Replies: 44
Views: 6288

Re: Edward Jones presentation at the senior center

HEDGEFUNDIE wrote:
Tue Oct 15, 2019 10:02 pm
If the worst financial thing to happen to those seniors is a 1.3% AUM fee for portfolio management, they should count their lucky stars.
A relative got sucked in by a similar JP Morgan presentation for 1.5% AUM. So EJ reps have counterparts prowling around out there that cost even more.
by Tdubs
Thu Oct 17, 2019 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Fed w/ non-fed working spouse - HDHP ?
Replies: 14
Views: 977

Re: Fed w/ non-fed working spouse - HDHP ?

If I understand your situation correctly, I don't see where your wife's option of carrying her and the kids helps you since you have to carry single coverage for yourself in FEHB. Combined that = $217 biweekly. You can carry the entire family on FEHB in 2020 for $191.22 biweekly. Regarding the basic...
by Tdubs
Thu Oct 17, 2019 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 4829

Re: FEHB Open Season 2019

Re GEHA HDHP dental vs. the dedicated dental plan: I stand corrected. Yes, I knew the HDHP covered preventive and offered negotiated rates. But I figured the FEDVIP plan would provide additional discounts, like 50% on major procedures, 75% on less-major procedures, etc., or something like that. If ...
by Tdubs
Thu Oct 17, 2019 11:17 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 4829

Re: FEHB Open Season 2019

yes, it is the same network as other GEHA MEDICAL plans. Not the same network as the GEHA Dental plans, which is the the GEHA Connection Dental Federal® plan. The latter uses CIGNA, which is much larger than the dentists who have contracted directly with GEHA for it's medical plans. Right, and you ...
by Tdubs
Thu Oct 17, 2019 9:25 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 4829

Re: FEHB Open Season 2019

There are lots and lots of people out there with very stable healthcare needs, for whom practically all their healthcare spend consists of maintenance medications and office visits with labs. For people like that, a non-HDHP plan will frequently make way more financial sense... or not, as they need...
by Tdubs
Thu Oct 17, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 4829

Re: FEHB Open Season 2019

Medical expenses are, in these discussions, about cost comparisons of necessity vs. necessity. Massages are usually discretionary spending. If you want to save some money on your monthly massage or six pairs of reading glasses rather than save it in a well-invested HSA, fine, but it isn't apples to...
by Tdubs
Thu Oct 17, 2019 8:49 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 4829

Re: FEHB Open Season 2019

yes, it is the same network as other GEHA MEDICAL plans. Not the same network as the GEHA Dental plans, which is the the GEHA Connection Dental Federal® plan. The latter uses CIGNA, which is much larger than the dentists who have contracted directly with GEHA for it's medical plans. Right, and you ...
by Tdubs
Thu Oct 17, 2019 4:39 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 4829

Re: FEHB Open Season 2019

yes, it is the same network as other GEHA MEDICAL plans. Not the same network as the GEHA Dental plans, which is the the GEHA Connection Dental Federal® plan. The latter uses CIGNA, which is much larger than the dentists who have contracted directly with GEHA for it's medical plans. Right, and you ...
by Tdubs
Wed Oct 16, 2019 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 4829

Re: FEHB Open Season 2019

OP: thank you for thread - hoping people keep adding as more info comes to opm site. Does anyone know if GEHA HDHP members gain access to GEHA's discounted dental network rates through its HDHP plan? I'm not talking about the HDHP plan actually paying for any dental work other than preventive clean...
by Tdubs
Wed Oct 16, 2019 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 4829

Re: FEHB Open Season 2019

an FSA has no advantage if you spend little or nothing on medical, which was one of your examples in the original thread ($400 in copays paid from an FSA). A lot depends on your particular situation. An FSA, while less flexible than an HSA, is still quite flexible and allows you to use it towards v...
by Tdubs
Tue Oct 15, 2019 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 4829

Re: FEHB Open Season 2019

It is more that there are plausible, if unlikely, scenarios where a standard plan comes out on top, such as a year where your only medical expense is a gigantic accident-induced ER-only visit. Not an outcome you should bet your insurance plan on. If you are making full use of the HSA, the probabili...
by Tdubs
Tue Oct 15, 2019 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 4829

Re: FEHB Open Season 2019

If capping it at a medium or higher tax rate I think it's slam dunk, as Grabiner has persuasively documented several times. It's actually not a slam dunk at all. With all due respect to grabiner, he does not run the calculations correctly. There are actually quite a few scenarios under which on a n...
by Tdubs
Tue Oct 15, 2019 1:01 pm
Forum: Personal Consumer Issues
Topic: Cheap Cell Phone Plan
Replies: 48
Views: 4393

Re: Cheap Cell Phone Plan

[...] With Republic, there is automatic handover of data when you walk into an area with an established wireless connection. It minimizes data use. I thought that is automatic with all plans (though I could be wrong) - in fact, it might be a phone setting not a plan setting. Anyway, I have the Tell...
by Tdubs
Mon Oct 14, 2019 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 4829

Re: FEHB Open Season 2019

If your payroll is processed by the USDA, then you can direct pre-tax HSA contributions to the HSA of your choice. The pass-through contributions will still go to HSA Bank. I don’t know about other payroll processors. I think this is true for all feds regardless of which agency processes their check.
by Tdubs
Mon Oct 14, 2019 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 4829

Re: FEHB Open Season 2019

MillennialFinance19 wrote:
Mon Oct 14, 2019 6:23 pm
Tdubs wrote:
Mon Oct 14, 2019 6:01 pm

Yes.
Follow-on question. Is TD Ameritrade or Devenir preferred? It appears they're both highly rated in terms of HSAs.
I chose TDA for the no-commission ETFs. The low ER options with State Street and iShares were enough for me.
by Tdubs
Mon Oct 14, 2019 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 4829

Re: FEHB Open Season 2019

Side question - I'll be using HSA bank per my plan. Can I open a Fidelity HSA to house my personal contributions, provided I don't go over the $7000 limit between the two? You can, but it may be an unnecessary complication. While you have GEHA HDHP insurance, fees are waived in the HSA Bank account...
by Tdubs
Mon Oct 14, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Cheap Cell Phone Plan
Replies: 48
Views: 4393

Re: Cheap Cell Phone Plan

[...] Wow! I didn't know that Tello had dropped lower. I love their customer service; however, they did drop the ball in not informing me about the lower costs. They automatically changed my plan - I have 300 phone minutes that I don't need - to maintain my monthly cost! :oops: I need to wait until...
by Tdubs
Mon Oct 14, 2019 12:55 pm
Forum: Personal Consumer Issues
Topic: Cheap Cell Phone Plan
Replies: 48
Views: 4393

Re: Cheap Cell Phone Plan

Tello? Interested. How does Tello do with wireless to cell hand off? I have a cheap Republic plan now, but this is much less expensive. I too had Republic Wireless and switched to Tello. RW maximizes use of WiFi and will "hand-off" to cellular only when WiFi is not available. Tello uses the cellula...
by Tdubs
Sun Oct 13, 2019 7:10 pm
Forum: Personal Investments
Topic: What happens to TIAA Traditional RA when employer abandons TIAA?
Replies: 10
Views: 827

Re: What happens to TIAA Traditional RA when employer abandons TIAA?

I see they are going to send out a transition guide. Maybe in there? I suspect as a legacy account you will be able to leave your investments in the funds they are in now. But down the road, you will only be able to move them around in TIAA's core funds, which include traditional, TREA, a stock fund...
by Tdubs
Sun Oct 13, 2019 10:04 am
Forum: Personal Investments
Topic: Financial Advisor
Replies: 15
Views: 1241

Re: Financial Advisor

Welcome to the forum, Your question is similar to a question posed on the Dave Ramsey radio money show. The caller wanted Ramsey's 2nd opinion on a new car that the caller wanted to buy. Ramsey's immediate response is " this is the Dave Ramsey show and we never recommend purchasing a new car becaus...
by Tdubs
Sat Oct 12, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 5575

Re: Replace water heater just because it's old?

I see the 8-12 years rule come up on Google all the time. Anyone know the evidence behind that? Is it just a way to sell HW heaters?
by Tdubs
Fri Oct 11, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: Cheap Cell Phone Plan
Replies: 48
Views: 4393

Re: Cheap Cell Phone Plan

Tello? Get a Sprint compatible phone and go with Tello (if Sprint is okay in your area). As low as $5 per month (100 min and 100 texts) https://tello.com/buy/custom_plans Have been with Tello for 4 months on the 1GB plan for $6 and have had zero issues as my main cell phone. Also, look at FreeUp Mo...
by Tdubs
Thu Oct 10, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 4829

Re: FEHB Open Season 2019

I'd like to comment on the comparison of the CareFirst HDHP to the GEHA HDHP. I am far from an expert, but I've done these comparisons many times over the years, and I think I've learned some things. Be aware that, due to the onset of blindness, I cannot read the brochures anymore, so I have been g...
by Tdubs
Thu Oct 10, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 4829

Re: FEHB Open Season 2019

I’m also awaiting info. I plan on switching from BCBS Basic to GEHA HDHP. I’m nervous, but have back-tested the last two years’ health expenses and I would have come out ahead in both. Time to make the leap in order to utilize the HSA! Checkbook indicates CareFirst HDHP was a better deal than GEHA ...
by Tdubs
Wed Oct 09, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Savings Rate drops to 1.8%
Replies: 42
Views: 5621

Re: Ally Savings Rate drops to 1.8%

Not exactly news, but Ally again is dropping the savings rate to 1.8% effective tomorrow. Is there a reason why you use Ally for your savings? Convenience and the amount I keep is not exactly staggering (less than 20K). While their rates are never the highest, they are usually competitive. For my C...
by Tdubs
Tue Oct 08, 2019 9:13 pm
Forum: Personal Consumer Issues
Topic: Find my phone -- easy way to find it when lost in the house?
Replies: 38
Views: 2494

Re: Find my phone -- easy way to find it when lost in the house?

Momus wrote:
Tue Oct 08, 2019 10:25 am
Just Google it. Call my phone.
Had no idea. It works!
by Tdubs
Tue Oct 08, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 4829

Re: FEHB Open Season 2019

I’m also awaiting info. I plan on switching from BCBS Basic to GEHA HDHP. I’m nervous, but have back-tested the last two years’ health expenses and I would have come out ahead in both. Time to make the leap in order to utilize the HSA! Checkbook indicates CareFirst HDHP was a better deal than GEHA ...
by Tdubs
Tue Oct 08, 2019 8:45 am
Forum: Personal Investments
Topic: Desperately In Need Of Advice
Replies: 19
Views: 2889

Re: Desperately In Need Of Advice

If you do decide to use the $140k for a near-term house purchase, I wouldn't wait a single day to put the money in a CD. Whatever high-yield savings account you find will pay less interest very soon.
by Tdubs
Mon Oct 07, 2019 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB clarifications and open enrollment
Replies: 16
Views: 1174

Re: FEHB clarifications and open enrollment

Has your wife looked at the CareFirst HDHP? Lower OOP max than GEHA HDHP. Checkbook shows it is less costly than GEHA. Also has better dental coverage.

I'm in GEHA now and can say the 5 percent after deductible is nice.
by Tdubs
Mon Oct 07, 2019 9:00 pm
Forum: Personal Investments
Topic: Desperately In Need Of Advice
Replies: 19
Views: 2889

Re: Desperately In Need Of Advice

Sounds like a CD is a good place. A no-penalty CD if you think you will suddenly have the urge to buy a house and need the money quick. A one-year if not. Ally has one of the better no-penalty CDs. For a one year, try https://direct.comenity.com/products/certificates-of-deposit Or go to the website,...
by Tdubs
Mon Oct 07, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: New Car vs Fixing old car
Replies: 11
Views: 925

Re: New Car vs Fixing old car

Hard to imagine spending that much on a 2011. But what is the condition of the rest of the car? Body rust? Mileage? A rebuilt will last a while, but is it like doing a heart transplant on a 95 year old?
by Tdubs
Sat Oct 05, 2019 7:08 pm
Forum: Investing - Theory, News & General
Topic: Over Confident in Old-age: Cognitive Decline and Financial Literacy
Replies: 83
Views: 7437

Re: Over Confident in Old-age: Cognitive Decline and Financial Literacy

Having someone manage your investments will do little to solve the problem of cognitive decline. Leaving assets in a handful of index funds dies not require much mental acuity. Resisting sales pitches mat take more. But an advisor cannot keep you from buying that over priced annuity or penny stock....
by Tdubs
Sat Oct 05, 2019 2:12 pm
Forum: Personal Investments
Topic: Help with basic investing
Replies: 21
Views: 2308

Re: Help with basic investing

Hello, I did want to ask about an on line money market account. It appears by what I have read on here so far that Ally, although not the highest interest rate, is reputable and consistent. Hello Victory, This really is the only question you posed. Yes, Ally is popular with Bogleheads and my bankin...
by Tdubs
Sat Oct 05, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Open Season: Which HDHP?
Replies: 6
Views: 634

Re: Federal Employee Open Season: Which HDHP?

Helo80 wrote:
Sat Oct 05, 2019 9:08 am
Anybody have a quick link on what the premium pass through for our HSA is across all the HDHP plans?

It'll be a hot mess if I ask at work as many think FSA=HSA.

GEHA's remains at $1800 for 2020. CareFirst's I can't find.
by Tdubs
Sat Oct 05, 2019 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Open Season: Which HDHP?
Replies: 6
Views: 634

Re: Federal Employee Open Season: Which HDHP?

Most other features seem even, though the formulary might be more restrictive on CareFirst. CareFirst has higher satisfaction ratings.

Image
by Tdubs
Sat Oct 05, 2019 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Dropping Interest Rates on High-Yield Savings
Replies: 31
Views: 4419

Re: Dropping Interest Rates on High-Yield Savings

WhaleMan wrote:
Sat Oct 05, 2019 7:21 am
Thanks for your thoughts.

No penalty CD's are probably my ticket.

Interesting...Marcus current rates:
7 Month No-Penalty CD 2.10%
11 Month No-Penalty CD 1.90%
13 Month No-Penalty CD 1.85%
And Ally's 11 month is 2.05%, but higher minimum of $25k.
by Tdubs
Sat Oct 05, 2019 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Dropping Interest Rates on High-Yield Savings
Replies: 31
Views: 4419

Re: Dropping Interest Rates on High-Yield Savings

I got an email from Marcus late yesterday that they are dropping from 2% to 1.9%. Not a big enough deal for me to care. I have always left money on the table, so to speak, in the case of my emergency fund. FDIC insured, at the same bank that we have checking accounts, ready to deploy in 2 minutes. ...
by Tdubs
Sat Oct 05, 2019 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Dropping Interest Rates on High-Yield Savings
Replies: 31
Views: 4419

Re: Dropping Interest Rates on High-Yield Savings

Every account will drift lower, including Vanguard. I don't see the downside of moving to no-penalty CDs if liquidity is important to you. I parked as much as I could in no-penalty CDs while the rate was still 2.3% at Ally. Ditto. I broke mine into 7 CDs for liquidity. Good point, my FIL used three.
by Tdubs
Sat Oct 05, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: Buying Home with Aging Parent in Mind?
Replies: 13
Views: 1375

Re: Buying Home with Aging Parent in Mind?

I originally conducted a home search looking exclusively into homes with at least one bedroom and a full bathroom on the first floor. I am looking in a town with an excellent school district (thus I am also feeling torn between wanting a good education for kids and accommodating potential future pa...