Search found 31 matches

by earflop
Fri Jan 08, 2021 10:05 pm
Forum: Personal Consumer Issues
Topic: What are the best apps for my apple watch?
Replies: 4
Views: 515

Re: What are the best apps for my apple watch?

BeanCity wrote: Tue Jan 05, 2021 2:23 pm I am not really satisfied with the fitness app or sleep app that is defaulted on my apple watch. Are there better ones out there?
WorkOutDoors. I use it mainly for distance hiking but it also is good for just about any outdoor workout. It's worth every penny.

http://www.workoutdoors.net
by earflop
Sun Jan 03, 2021 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: How often to invest HSA money
Replies: 10
Views: 639

Re: How often to invest HSA money

My HSA contributions ($273 every other week) accumulate in an account as cash until I invest it (VBIAX). It costs a flat fee of $25 to invest it. If I invest at each contribution it is a 9% commission!!!! If I wait until, say, the end of the year, I don't benefit from an average of six month's wort...
by earflop
Sat Jan 02, 2021 6:46 pm
Forum: Personal Investments
Topic: advice for low income earner receiving a small inheritance
Replies: 2
Views: 374

Re: advice for low income earner receiving a small inheritance

my only experience is with vanguard plus a small cma at fidelity for travelling. i have no experience with Etrade, can anyone comment on the company? especially re solo Roth401k? Check out this thread. The gist is that ETrade and TDA are your best options, depending on what you want. https://www.bo...
by earflop
Sat Jan 02, 2021 6:42 pm
Forum: Personal Investments
Topic: Feeling stuck at Edward Jones, medallion problem
Replies: 61
Views: 4618

Re: Feeling stuck at Edward Jones, medallion problem

i never heard of MSG until now. is this only required for physical stock certificates? I needed one a few years ago to graduate DW's UGMA into an adult account. We got it from the local Wells Fargo branch. No stock certificates involved, but we had to provide statements. (Actually we had to pay ext...
by earflop
Mon Dec 28, 2020 11:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 401k funds not available?
Replies: 4
Views: 432

Re: Vanguard 401k funds not available?

Good article in Kiplingers with recommendations on the best 401k funds offered by Vanguard. I set the issue down, looked at my Vanguard 401k, and none of them were available. Funds like VEIPX and VEXPX are not there, just a list of about six Vanguard funds and six from other companies. What gives? ...
by earflop
Mon Dec 28, 2020 7:12 pm
Forum: Personal Investments
Topic: Emerging Markets Index Fund in IRA
Replies: 13
Views: 1181

Re: Emerging Market Index Fund in Fidelity

I believe FPADX is what you are looking for. It follows the MSCI Emerging Markets Index. https://fundresearch.fidelity.com/mutual-funds/summary/316146331 That said, the Bogleheads approach would have you use a total international fund like FTIHX or FZILX. This contains both developed and emerging ma...
by earflop
Mon Dec 14, 2020 4:08 pm
Forum: Personal Investments
Topic: Help me pick a 401k fund
Replies: 7
Views: 484

Re: Help me pick a 401k fund

I'm personally leaning towards all VFIAX as it has a low ER, but curious if there's a better fund or blend of funds that would replicate a total US stock market fund. Yes, VFIAX is an excellent choice. If you want to approximate the total stock market, https://www.bogleheads.org/wiki/Approximating_...
by earflop
Sun Dec 13, 2020 11:30 am
Forum: Personal Investments
Topic: Idle HSA account needs your advice
Replies: 11
Views: 929

Re: Idle HSA account needs your advice

bcc1234 wrote: Sun Dec 13, 2020 10:48 am Can HSA money be used to pay for healthcare premiums?
Generally no, although there are some exceptions:

https://www.wageworks.com/employees/sup ... -premiums/
by earflop
Sun Nov 22, 2020 12:56 pm
Forum: Personal Investments
Topic: The only free lunch
Replies: 34
Views: 4138

Re: The only free lunch

Since this is Bogleheads I'm going to say that it looks like you have too many unnecessary funds.

Please edit your post and format it per the Asking Portfolio Questions post. Then people can give input based on what you are trying to accomplish and what you have access to.
by earflop
Tue Nov 17, 2020 12:06 pm
Forum: Investing - Theory, News & General
Topic: Index investing while being a super high income earner?
Replies: 15
Views: 1459

Re: Index investing while being a super high income earner?

Hypothetically, if you earned an income of over a million a year, and were around the age of 40, would you still be investing in index funds? Why or why not? The Bogleheads philosophy scales to all levels of income. This topic was discussed extensively earlier this year, see: https://www.bogleheads...
by earflop
Sat Oct 24, 2020 11:28 am
Forum: Personal Investments
Topic: Fidelity HSA
Replies: 33
Views: 4032

Re: Fidelity HSA

Megamill wrote: Fri Oct 23, 2020 2:06 pm Also don't plan to use the Fidelity HSA for any medical expenses, in fact I'll tell them not to even send me a debit card (if that's possible).
They won't send you a debit card unless you specifically request it. I never did.
by earflop
Fri Sep 04, 2020 5:26 pm
Forum: Investing - Theory, News & General
Topic: Three funds portfolio
Replies: 5
Views: 602

Re: Three funds portfolio

I planned to buy a 3 funds portfolio in my Roth IRA account. Do you have any other retirement accounts, such as a 401(k)? You don't have to have the three fund portfolio in every account - rather you should look at all of your investments as one big account. You could put your bonds elsewhere and m...
by earflop
Tue Aug 18, 2020 9:58 am
Forum: Investing - Theory, News & General
Topic: Personal Capital Acquired by Empower Retirement
Replies: 2
Views: 509

Re: Personal Capital Acquired by Empower Retirement

There was a short discussion of this when it was first announced at: https://bogleheads.org/forum/viewtopic.php?f=10&p=5342233 My 401(k) is through Empower and it used to lose connection to PC routinely for weeks and sometimes even months at a time. The connection has been more stable the last f...
by earflop
Tue Aug 18, 2020 9:12 am
Forum: Personal Investments
Topic: For people who don't like their employee provided HSA - why not open elsewhere?
Replies: 39
Views: 2772

Re: For people who don't like their employee provided HSA - why not open elsewhere?

It's also worth asking your company's HR if they can just direct payroll contributions directly into a Fidelity HSA. I work for a small company (around 70-80 people) and my HR was able to do this without any trouble. I do not have a match, so it was a simple matter of manually overriding where they ...
by earflop
Mon Aug 17, 2020 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: 2020 allowable FSA expenses
Replies: 1
Views: 157

Re: 2020 allowable FSA expenses

I used this list as a guide:

https://hsastore.com/All-Over-the-Counter-C480.aspx

It's extremely broad and, perhaps, subject to some discretion.
by earflop
Mon Aug 17, 2020 12:23 pm
Forum: Personal Investments
Topic: Pricing weird securities in Empower 401(k)
Replies: 6
Views: 383

Re: Pricing weird securities in Empower 401(k)

DW has a similar situation in her 401(a). The funds have the names of normal publicly-available funds, but the prices don't match up. I use a spreadsheet to track our investments and it was bugging me. What I ended up doing is I tracked the public price vs. her price on a spreadsheet for two weeks. ...
by earflop
Wed Aug 05, 2020 2:55 pm
Forum: Personal Investments
Topic: Do I need to go through my employer's selected HSA?
Replies: 12
Views: 427

Re: Do I need to go through my employer's selected HSA?

Ask your HR department if they will allow you to set up your own HSA through their payroll system. I work for a small company (approximately 80 people) and they had no problem doing this for me. My deposits go straight from payroll to Fidelity. I double checked and I still get all the tax benefits. ...
by earflop
Sat Aug 01, 2020 8:52 pm
Forum: Personal Investments
Topic: Is it possible to disable online access to Vanguard?
Replies: 53
Views: 3604

Re: Is it possible to disable online access to Vanguard?

Would the account be less secure if you can't check it real time and not receive electronic confirmations of activity? I know people that have had credit card fraud last for months because they never checked the paper statements. (Vs. catching fraud instantly with real time transaction alerts.) Thi...
by earflop
Tue Jul 28, 2020 6:49 pm
Forum: Personal Investments
Topic: Bogleheads guide to investing
Replies: 11
Views: 1247

Re: Bogleheads guide to investing

You have to be careful with Fidelity. Most of their funds have expenses greater than 0.5%. Many have similar sounding names. For example, the Fidelity Freedom target date funds vs. the Fidelity Freedom Index target date funds. This is one reason why I have the relevant Bogleheads Wiki pages bookmar...
by earflop
Tue Jul 28, 2020 2:38 pm
Forum: Personal Investments
Topic: T-rowe price 3-fund portfolio allocation.
Replies: 2
Views: 331

Re: T-rowe price 3-fund portfolio allocation.

You may want to rewrite your post using the format listed at Asking Portfolio Questions.

Please re-post the list with expense ratios.

Do you have any other investments/retirement accounts?
by earflop
Sun Jul 26, 2020 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: new BoA Premium Card benefit
Replies: 101
Views: 11767

Re: new BoA Premium Card benefit

Ron Ronnerson wrote: Sun Jul 26, 2020 7:14 pm Perhaps it is not a targeted offer after all?
Correct, it is not targeted.
by earflop
Sun Jul 12, 2020 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Amex platinum annual fee
Replies: 28
Views: 5330

Re: Amex platinum annual fee

As others have said, AmEx typically won't waive the fee but they'll give you cash or points. I was given 50k points for agreeing to stay signed up for another year. These offers come every other year - they will not give retention offers two years in a row. Data points for the kinds of offers you mi...
by earflop
Sat Jul 11, 2020 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: new BoA Premium Card benefit
Replies: 101
Views: 11767

Re: new BoA Premium Card benefit

Nope, no email or snail mail offer for me. I use this card all the time - it’s become our general purpose card. Maybe no need to incentivize me with the offer? I did read this is a targeted offer. :annoyed Speculation is that the offer will work for everyone and is not targeted. https://www.doctoro...
by earflop
Fri May 15, 2020 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to use up $300 Chase Sapphire Reserve Travel Credit
Replies: 23
Views: 1724

Re: How to use up $300 Chase Sapphire Reserve Travel Credit

wootwoot wrote: Fri May 15, 2020 10:11 amUbereats
I don't believe this works anymore.
by earflop
Tue May 12, 2020 9:52 am
Forum: Personal Finance (Not Investing)
Topic: So the federal govt mandated free (tele)-healthcare doctor visits!?
Replies: 4
Views: 933

Re: So the federal govt mandated free (tele)-healthcare doctor visits!?

DW has been conducting her weekly therapy sessions over video chat and we were told the copay would be waived.

It's actually causing me a minor headache because I budgeted money in my FSA assuming those charges and now we are going to be under.
by earflop
Sun Sep 22, 2019 8:53 pm
Forum: Personal Investments
Topic: My plan to sell taxable investments and increase 401(k)
Replies: 17
Views: 1103

Re: My plan to sell taxable investments and increase 401(k)

It's good that you are here and are taking control of your investments, but this is the part that makes me doubt that you will reach your goals. Sell all - you have more loses than gains - take a little deduction against your income this year, and get into an index fund. If you want to hold a littl...
by earflop
Sun Sep 22, 2019 3:47 pm
Forum: Personal Investments
Topic: My plan to sell taxable investments and increase 401(k)
Replies: 17
Views: 1103

Re: My plan to sell taxable investments and increase 401(k)

HomeStretch wrote: Sun Sep 22, 2019 3:22 pm If your income is $90k, you spend $50k and save $11k in 401k and $6k in IRA, where does the remaining $23k go (= $90k - $50k - $11k - $6k)? Perhaps you don’t include payroll taxes and income taxes in your $50k spend?
That's correct. The $90k number is pre-tax. The $50k number is after-tax.
by earflop
Sun Sep 22, 2019 11:29 am
Forum: Personal Investments
Topic: My plan to sell taxable investments and increase 401(k)
Replies: 17
Views: 1103

Re: My plan to sell taxable investments and increase 401(k)

Your investment portfolio is $150k. Your annual expenses are $73k ($90k income minus savings of $11k 401k + $6k IRA) with no mortgage payment. You currently have 2x expenses saved at age 42. Consider reviewing your expenses to see if there is anywhere to cut and funnel the savings into your portfol...
by earflop
Sun Sep 22, 2019 10:55 am
Forum: Personal Investments
Topic: My plan to sell taxable investments and increase 401(k)
Replies: 17
Views: 1103

Re: My plan to sell taxable investments and increase 401(k)

If you don’t have a sense of what your retirement tax bracket(s) will be, then at your age I suggest contributing as much as you can up to the $19k max on a pretax basis to the 401k to maximize the amount you can contribute due to tax savings/receive from employer match and then contributing $12k t...
by earflop
Sun Sep 22, 2019 10:26 am
Forum: Personal Investments
Topic: My plan to sell taxable investments and increase 401(k)
Replies: 17
Views: 1103

Re: My plan to sell taxable investments and increase 401(k)

I think your instinct of going for the free match money is a good one. Is your IRA a Roth? Sorry I should have mentioned that. Both the 401(k) and IRA are Roth. Turn off dividend and capital gain reinvestment in your new Taxable account so you don’t buy more of the funds you don’t want until you tr...
by earflop
Sun Sep 22, 2019 9:37 am
Forum: Personal Investments
Topic: My plan to sell taxable investments and increase 401(k)
Replies: 17
Views: 1103

My plan to sell taxable investments and increase 401(k)

Hi everyone, I've been lurking here for about 18 months and it's time to dive in. I have a specific question about how to handle my taxable investments but I'll go through the basics first. My wife and I are 42 and have a combined income of about $90K. We have no debt, no kids, a decent emergency fu...