Search found 65 matches

by harmoniousmonk
Tue Aug 27, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: [Marcus Savings Account - Interest rate is now 1.7%]
Replies: 130
Views: 18000

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

Got email today that Marcus was dropping high yield savings interest rate to 2% from 2.15% starting today.
by harmoniousmonk
Tue Jul 30, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Bloomberg: Forget Tech, Medicine Still Pays More
Replies: 124
Views: 10094

Re: Bloomberg: Forget Tech, Medicine Still Pays More

49 yo radiologist here. The burnout is very real. Make sure you/he is a selfless person who doesn't mind putting others first and can deal with difficult people who might not be at their best when you come into contact with them. The pay can be very good but I have learned that money isn't everythin...
by harmoniousmonk
Wed Jul 24, 2019 7:33 am
Forum: Personal Finance (Not Investing)
Topic: [Marcus Savings Account - Interest rate is now 1.7%]
Replies: 130
Views: 18000

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

Fwiw

My timeline as per the Marcus website is as follows:

July 19: offer enrolled
Aug 2: Deposit funds complete
Oct 31: Funds to maintain eligibility
Nov 14: Estimated date for bonus payment
by harmoniousmonk
Mon Jun 10, 2019 10:54 am
Forum: Personal Investments
Topic: HSA investment advice
Replies: 25
Views: 2880

Re: HSA investment advice

Roll into Fidelity and 100% FZROX
by harmoniousmonk
Sat May 11, 2019 5:09 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 344312

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Agreed on the fascinating thread.

I am in for much less than 1% but enjoy the volatility and checking how this is doing everyday. It satisfies my urge of my more boring 3 fund portfolio. For that I thank hedgefundie and all the other posters and when I come here i hope this thread has been bumped.
by harmoniousmonk
Sat Mar 23, 2019 9:22 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13309
Views: 2247683

Re: U.S. stocks in free fall

Monday's S and P futures down 51 or 1.8%
by harmoniousmonk
Thu Jan 17, 2019 7:48 pm
Forum: Personal Consumer Issues
Topic: What shelf liquor and your favorite cocktails?
Replies: 45
Views: 3493

Re: What shelf liquor and your favorite cocktails?

Vodka= midshelf Titos
Splurge on really good bourbon
by harmoniousmonk
Thu Jan 17, 2019 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 285
Views: 53569

Re: [Ally online savings now at 1.80%]

My Ally saving APR is still 2% and hasn't changed in probably 2 months
by harmoniousmonk
Thu Jan 17, 2019 4:22 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 206
Views: 28519

Re: [Tributes to Jack Bogle]

More from Ritholtz https://www.bloomberg.com/opinion/articles/2019-01-17/jack-bogle-showed-enriching-lives-goes-beyond-riches But the most remarkable thing about Bogle is that he created billions — and perhaps trillions — of dollars in value for others and kept relatively little of it for himself. T...
by harmoniousmonk
Thu Jan 17, 2019 4:20 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 206
Views: 28519

Re: [Tributes to Jack Bogle]

From Barry Ritholtz, with a quote from a boglehead

https://ritholtz.com/2019/01/rip-jack-bogle/
by harmoniousmonk
Sun Jan 13, 2019 3:17 pm
Forum: Personal Investments
Topic: young-ish physician windfall
Replies: 37
Views: 8250

Re: young-ish physician windfall

Will your windfall be taxed at capital gains or ordinary income?
by harmoniousmonk
Mon Dec 31, 2018 6:02 pm
Forum: Personal Investments
Topic: New HSA - Advice with Aggressive Allocation
Replies: 7
Views: 599

Re: New HSA - Advice with Aggressive Allocation

100% Total US Stock Market
by harmoniousmonk
Sun Dec 30, 2018 9:06 am
Forum: Personal Investments
Topic: Online Savings Accounts
Replies: 14
Views: 2140

Re: Online Savings Accounts

I had a sallie mae MMA but recently closed it due mainly due to ACH transfer times. Pros: customer service, physical checkbook, slightly higher yield Cons: Only allows one linked account (I linked the account to several other accounts, but periodically the other ones but be cancelled), ACH transfer ...
by harmoniousmonk
Thu Dec 27, 2018 12:11 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1057
Views: 115610

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

Had to call Fidelity about an issue. Been on hold to get a human to answer for 20 minutes and counting
by harmoniousmonk
Sat Dec 22, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13309
Views: 2247683

Re: U.S. stocks in free fall

Has anyone been kicked out of Flagship or Flagship select yet?
by harmoniousmonk
Sat Dec 22, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges on Chase Credit Card -- Chase unresponsive
Replies: 19
Views: 3734

Re: Fraudulent charges on Chase Credit Card -- Chase unresponsive

why would someone who stole your cc number have items shipped to your address? Seems odd I had this happen to me. The scammer created a fake ups account and tried to intercept the shipped package and reroute it to a different address, but I guess the package was so far in route, it was delivered to...
by harmoniousmonk
Tue Dec 18, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1057
Views: 115610

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

Update as of this morning. Fidelity now shows it’s completed it’s review of my application and will now be reaching out to TDA to initiate the process of moving the assets. Projected completion date now extended to Dec 10. We’ll see... Good to know, keep us posted! [/quote] Got a call from Fidelity...
by harmoniousmonk
Sun Dec 09, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13309
Views: 2247683

Re: U.S. stocks in freefall

S and P futures down 2.33%
by harmoniousmonk
Sun Dec 09, 2018 9:15 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1057
Views: 115610

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

If I liquidate by selling Spider total stock market etf at TD Ameritrade and take a loss to transfer to Fidelity and buy Fidelity total stock market etf within 30 days is that a wash sale?
by harmoniousmonk
Sun Dec 02, 2018 6:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13309
Views: 2247683

Re: U.S. stocks in freefall

S and P futures up near 2% for tomorrow.
by harmoniousmonk
Wed Nov 14, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard closure last week
Replies: 21
Views: 5020

Re: Vanguard closure last week

Just notice this small sentence under my account balance on the "balance and holdings" page. Anyone else?


Prices for some of your investments are unavailable at this time. Total assets doesn't include the value of those investments.
by harmoniousmonk
Tue Nov 13, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 621
Views: 73532

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

After login, click which account you want, then find next statement date a few lines below account number and routing number for me in my savings account.
by harmoniousmonk
Tue Nov 13, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 621
Views: 73532

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Bulgogi Head wrote:
Tue Nov 13, 2018 1:21 pm
Does anyone know when each month Ally credits interest?
For me it was the 10th
by harmoniousmonk
Fri Nov 09, 2018 3:36 pm
Forum: Investing - Theory, News & General
Topic: Good explanation of how bond funds don't get crushed in rising rate environment
Replies: 65
Views: 7354

Re: Good explanation of how bond funds don't get crushed in rising rate environment

Noob question.

All else being equal. If you are hoping to make money in an intermediate term bond fund, are you hoping for the price to go up or the yield to go up?
by harmoniousmonk
Fri Oct 19, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 621
Views: 73532

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Might take some time to link the bank accounts but folks can still deposit money using the mobile app. Just write yourself a check from your funding account, take a picture of it and viola.
by harmoniousmonk
Sat Sep 29, 2018 7:34 pm
Forum: Investing - Theory, News & General
Topic: Paying expenses out of pocket in tax-advantaged accounts?
Replies: 11
Views: 1412

Re: Paying expenses out of pocket in tax-advantaged accounts?

Don't know about IRAs but the invested HSA at Lively does this.
by harmoniousmonk
Tue Sep 25, 2018 4:14 pm
Forum: Personal Investments
Topic: Investing my first million
Replies: 46
Views: 8228

Re: Investing my first million

Get it all in. But wait for a few days for the dividends to get paid out.
by harmoniousmonk
Wed Sep 05, 2018 7:09 pm
Forum: Personal Investments
Topic: Pay for Medical Costs with HSA or Savings?
Replies: 15
Views: 1196

Re: Pay for Medical Costs with HSA or Savings?

Pay out of pocket if you can.

Also, consider rolling the tIRA into your 401k. Most plans will let you. This would clear out space to open a tIRA for back door Roth IRA conversion without running into pro rata tax implications.
by harmoniousmonk
Mon Sep 03, 2018 7:21 pm
Forum: Personal Investments
Topic: Which of these 401K funds make sense for me?
Replies: 9
Views: 402

Re: Which of these 401K funds make sense for me?

That was the only international stock fund.
by harmoniousmonk
Mon Sep 03, 2018 6:15 pm
Forum: Personal Investments
Topic: Portfolio Review - Guidance needed
Replies: 7
Views: 1030

Re: Portfolio Review - Guidance needed

As alluded to by Duckie, first thing to do is figure out how much to keep in an emergency fund. Most folks, depending on the stability of their job, save 6-12 months of expenses. Then put the rest to work for you.
by harmoniousmonk
Mon Sep 03, 2018 1:04 pm
Forum: Investing - Theory, News & General
Topic: "Ten Things You Should Know About Index Fund Investing"
Replies: 9
Views: 2343

Re: "Ten Things You Should Know About Index Fund Investing"

Others know more about this than me, but Vanguard owns a patent that allows only them to treat their mutual funds like etfs, so they don't kick off dividends and capital gains which are taxable to their owners. Thus all things else being equal, Vanguard mutual funds are more tax efficient than other...
by harmoniousmonk
Sun Sep 02, 2018 11:38 am
Forum: Personal Investments
Topic: Delay in deposits by empower for 401k?
Replies: 13
Views: 788

Re: Delay in deposits by empower for 401k?

The market goes up 7 out of 10 days and over time.

So it does not average out.
by harmoniousmonk
Sun Sep 02, 2018 10:05 am
Forum: Personal Investments
Topic: Delay in deposits by empower for 401k?
Replies: 13
Views: 788

Re: Delay in deposits by empower for 401k?

I looked at this with my small business plan just recently. For the end of the month paycheck it took about 9 total days to hit my account. In mid month, it was just over 3 total days. I was given "reconciliation" as the reason for this difference. Interestingly though, after I brought this up, the ...
by harmoniousmonk
Sun Aug 26, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance - again
Replies: 49
Views: 4810

Re: Umbrella insurance - again

5 million for 373$ from Travelers

Single renter in SC
by harmoniousmonk
Sun Aug 26, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Individual Stocks That Went Bust
Replies: 110
Views: 10461

Re: Individual Stocks That Went Bust

What ever happened to EF Hutton? When EF Hutton talks, people listen.
by harmoniousmonk
Mon Aug 20, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Active’s Surprising Survival
Replies: 11
Views: 1155

Re: Larry Swedroe: Active’s Surprising Survival

It's always worthwhile to read one of Larry's pieces. Some claim if most everyone goes passive, active will become more easy. I forget their rationale. It’s because active investors keep markets efficient. The more inefficiencies (I.e. stocks either over or under valued), the more opportunities for...
by harmoniousmonk
Sat Aug 18, 2018 3:17 pm
Forum: Investing - Theory, News & General
Topic: How to Underperform the Market
Replies: 48
Views: 5335

Re: How to Underperform the Market

Good podcast about avoiding investments that rely on predicting the future, because “The future is unknowable.” You’ll hear this a lot in the link below. It’s actually Todd Tresidder reading a chapter he wrote for the new Meb Faber anthology, and he reads it very very quickly. Somehow the speed of ...
by harmoniousmonk
Sat Aug 18, 2018 2:09 pm
Forum: Personal Investments
Topic: Vanguard share price updating
Replies: 3
Views: 1010

Re: Vanguard share price updating

The updating now seems to be in real time now.
by harmoniousmonk
Sat Aug 18, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: A question of trust
Replies: 3
Views: 535

A question of trust

Are there any estate lawyers here? A few years ago I placed my brokerage account in a revokable trust. Since then I have opened a tIRA and executed a back door Roth IRA conversion. Also, my 401k plan was changed and is not in a trust. Can/should I add the individual and retirement accounts to my tru...
by harmoniousmonk
Mon Aug 13, 2018 9:34 am
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 134
Views: 12082

Re: [New Vanguard website layout starting Saturday, August 11]

My "Account overview" page is now showing up to the minute values, whereas I used to have to go to "balances and holdings" page to get the most recent value.
by harmoniousmonk
Sun Aug 12, 2018 5:20 pm
Forum: Personal Investments
Topic: How to invest ~$4mm for disabled-for-life 36-yo
Replies: 22
Views: 3044

Re: How to invest ~$4mm for disabled-for-life 36-yo

After reading this thread, I have an increased respect for folks with the special needs kids/adults. I mean this one has the advantage of a 4 million dollar head start but what about those that don't have that. Wow.
by harmoniousmonk
Sun Aug 12, 2018 6:25 am
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 134
Views: 12082

Re: [New Vanguard website layout starting Saturday, August 11]

Website down for me this morning with site maintenance underway.
by harmoniousmonk
Mon Aug 06, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover
Replies: 31
Views: 3739

Re: HSA Rollover

Thanks guys.

I would be interested in hearing about how the rollover goes.

I'm waiting for the 8 am PST open time to give them a call.
by harmoniousmonk
Mon Aug 06, 2018 6:04 am
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover
Replies: 31
Views: 3739

Re: HSA Rollover

Bump for the morning crew
by harmoniousmonk
Sun Aug 05, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: WSJ - How Brokers Make More On Your Cash Than You Do.
Replies: 28
Views: 4493

Re: WSJ - How Brokers Make More On Your Cash Than You Do.

For those that don't read the article it says Vanguard And Fido don't do this but Schwab does.