Search found 2292 matches

by tj
Thu Feb 14, 2019 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Open personal HSA or use company HSA?
Replies: 32
Views: 1786

Re: Open personal HSA or use company HSA?

Thanks for all the response. I've decided to open a Lively HSA account and move all my funds in there. I'll keep contributing through my employer to get all the tax benefits and just transfer it to Lively every now and then. Thank you! Wait! I’d encourage you to check out Fidelity’s HSA, which is f...
by tj
Thu Feb 14, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Open personal HSA or use company HSA?
Replies: 32
Views: 1786

Re: Open personal HSA or use company HSA?

The pros of forgoing payroll deductions: You can basically put everything into a Fidelity HSA immediately, no annual rollovers, forms, trustee to trustee, multiple employer custodians to deal with, tax forms, etc. The mental energy required to do all that hoopla may not be worth the small financial...
by tj
Wed Feb 13, 2019 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Open personal HSA or use company HSA?
Replies: 32
Views: 1786

Re: Open personal HSA or use company HSA?

Thanks for all the response. I've decided to open a Lively HSA account and move all my funds in there. I'll keep contributing through my employer to get all the tax benefits and just transfer it to Lively every now and then. Thank you! Wait! I’d encourage you to check out Fidelity’s HSA, which is f...
by tj
Tue Feb 12, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 265
Views: 28702

Re: Fidelity as a one stop shop

yogesh wrote:
Sun Feb 10, 2019 8:47 pm
drk wrote:
Sun Feb 10, 2019 5:34 pm
mptfan wrote:
Sun Feb 10, 2019 5:10 pm
Could you elaborate on this? I was not aware that you could get more than 2% cash back.
Presumably because of tax-free earnings.
Yes. 2% cashback automatically deposited to ROTH IRA or 529 instead of taxable accounts.
Still don't see how that makes the cash back more than 2%.
by tj
Tue Feb 12, 2019 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is Long Term Care Insurance worth it?
Replies: 295
Views: 11299

Re: Is Long Term Care Insurance worth it?

It's really hard to model this when you don't know what the future premiums will be. See post above with a 50% increase. Most LTCi policies sold today have regulations requiring no planned premium increases. "Genworth raises long-term-care insurance costs an average 58%" - Aug 2018. Genworth is the...
by tj
Mon Feb 11, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Tax law expiring in 2025
Replies: 22
Views: 2036

Re: Tax law expiring in 2025

(increased standard deduction
But that removed the personal exemptions. You could use the personal exemptions and still itemize. Is the new one better? It's definitely simpler...but raised taxes on quite a few.
by tj
Sun Feb 10, 2019 10:54 pm
Forum: Investing - Theory, News & General
Topic: Tax efficient and FDIC insured
Replies: 11
Views: 1149

Re: Tax efficient and FDIC insured

Sure, accounts that are non-interest bearing. But wouldn't you rather generate the income and pay the tax?
by tj
Sat Feb 09, 2019 10:30 pm
Forum: Personal Investments
Topic: Ally Bank's nightmarish online reviews -- should I be worried?
Replies: 97
Views: 8687

Re: Ally Bank's nightmarish online reviews -- should I be worried?

Don't know what the nightmares are, they paid me $1k with no effort...
by tj
Wed Feb 06, 2019 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Is Long Term Care Insurance worth it?
Replies: 295
Views: 11299

Re: Is Long Term Care Insurance worth it?

The only winner would be someone who needs years and years of care.
most of the policies don't offer that, or have much higher premiums.
by tj
Tue Feb 05, 2019 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Is Long Term Care Insurance worth it?
Replies: 295
Views: 11299

Re: Is Long Term Care Insurance worth it?

I can get $450/day for 5 years (no COLA) from LTCFeds for $70/month. That seems like a good deal, but I don't know. The COLA seems like an expensive option since the COLA doesn't start until you start collecting the benefits... That is incorrect. For every LTCi policy that has a COLA, the benefits ...
by tj
Tue Feb 05, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Is Long Term Care Insurance worth it?
Replies: 295
Views: 11299

Re: Is Long Term Care Insurance worth it?

I can get $450/day for 5 years (no COLA) from LTCFeds for $70/month. That seems like a good deal, but I don't know.

The COLA seems like an expensive option since the COLA doesn't start until you start collecting the benefits...
by tj
Tue Feb 05, 2019 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 629
Views: 67219

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

LSLover wrote:
Tue Feb 05, 2019 3:39 pm
Bonus has just been posted.


Same, strange that they posted it in the middle of the day. Maybe because of all the people bugging them and asking? :D
by tj
Tue Feb 05, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 629
Views: 67219

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

When I login into my account, I see the following notification: "We’re excited to let you know that your cash bonus for the Payback Time promotion is processing. Your cash bonus will be deposited into your account within the next 48 hours." Ugh, Mine doesn't seem to have that. Hopefully it shows up...
by tj
Tue Feb 05, 2019 2:36 pm
Forum: Investing - Theory, News & General
Topic: Automatic Investing in new Fidelity HSA (Individual)
Replies: 10
Views: 926

Re: Automatic Investing in new Fidelity HSA (Individual)

I found a method that does work with the individual Fidelity HSA's! After you have made the initial purchase of the mutual fund(s) you want to invest in, you can set up automatic investments which occur monthly, quarterly or on a custom schedule. Log in to your Fidelity account. In the upper-left c...
by tj
Tue Feb 05, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 629
Views: 67219

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

When I login into my account, I see the following notification: "We’re excited to let you know that your cash bonus for the Payback Time promotion is processing. Your cash bonus will be deposited into your account within the next 48 hours." Ugh, Mine doesn't seem to have that. Hopefully it shows up.
by tj
Tue Feb 05, 2019 3:30 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 906
Views: 72071

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

My employer contribution is going to HSA Bank, but I'm not going to transfer it every year. I have employee contribution going into Fidelity via payroll deduction. I'll leave the $$ at HSA Bank which can be invested at TD Ameritrade with no fees....the annoying part will be manually investing at Fid...
by tj
Mon Feb 04, 2019 11:14 pm
Forum: Personal Investments
Topic: Fidelity customer service
Replies: 10
Views: 1156

Re: Fidelity customer service

Yes i was probably in there for 5 minutes when I dropped off the HSA form. Super friendly woman.
by tj
Mon Feb 04, 2019 8:46 pm
Forum: Personal Investments
Topic: Tsp [Thrift Savings Plan]
Replies: 55
Views: 3294

Re: Tsp [Thrift Savings Plan]

From the TSP website https://www.tsp.gov/InvestmentFunds/FundOptions/fundPerformance_G.html The G Fund interest rate calculation is based on the weighted average yield of all outstanding Treasury notes and bonds with 4 or more years to maturity. As a result, participants who invest in the G Fund ar...
by tj
Mon Feb 04, 2019 6:06 pm
Forum: Personal Investments
Topic: Best Vanguard funds to construct a *taxable* account?
Replies: 16
Views: 2267

Re: Best Vanguard funds to construct a *taxable* account?

The total U.S. and total international are your best bets. You could also do S&P 500, 400, and 600 funds if you want to separate large cap, mid cap, and small cap allocations (I prefer S&P, but really just avoid the Russell indexes in taxable because they have more churn in the way they rebalance y...
by tj
Mon Feb 04, 2019 6:03 pm
Forum: Personal Investments
Topic: Schwab Money Purchase funds
Replies: 2
Views: 274

Re: Schwab Money Purchase funds

The rates don't seem awful. Certainly better than cash at Schwab Bank.

https://www.schwab.com/public/schwab/in ... oney_funds
by tj
Mon Feb 04, 2019 5:26 pm
Forum: Personal Investments
Topic: Tsp [Thrift Savings Plan]
Replies: 55
Views: 3294

Re: Tsp [Thrift Savings Plan]

If the g fund is 2.75%, it's not THAT much higher than the Vanguard Treasury Money Market fund.. The TSP returned 2.94% over the last 12 months (as of 31 January), compared to 2.39% for the F Fund and 2.1% for VBTLX. So better than the comparable bond index funds. Yeah, but compared to the Treasury...
by tj
Mon Feb 04, 2019 5:23 pm
Forum: Investing - Theory, News & General
Topic: MSCI was forced to add China into its emerging market index...
Replies: 23
Views: 1882

Re: MSCI was forced to add China into its emerging market index...

While I won't protest China being in my indexes, anything over 10% and I will actively attempt to minimize exposure.
How would you do that? Use Vanguard Developed Markets Fund for international exposure?
by tj
Mon Feb 04, 2019 4:20 pm
Forum: Personal Investments
Topic: Tsp [Thrift Savings Plan]
Replies: 55
Views: 3294

Re: Tsp [Thrift Savings Plan]

If the g fund is 2.75%, it's not THAT much higher than the Vanguard Treasury Money Market fund.. The TSP returned 2.94% over the last 12 months (as of 31 January), compared to 2.39% for the F Fund and 2.1% for VBTLX. So better than the comparable bond index funds. Yeah, but compared to the Treasury...
by tj
Mon Feb 04, 2019 1:46 pm
Forum: Personal Investments
Topic: Tsp [Thrift Savings Plan]
Replies: 55
Views: 3294

Re: Tsp [Thrift Savings Plan]

If the g fund is 2.75%, it's not THAT much higher than the Vanguard Treasury Money Market fund..
by tj
Tue Jan 29, 2019 3:02 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax 2018 Forms Now Online
Replies: 60
Views: 3449

Re: Vanguard Tax 2018 Forms Now Online

scotthal wrote:
Mon Jan 28, 2019 10:04 pm
Downloaded my Consolidated Form 1099 today, but TurboTax is (as of 7pm PST) claiming that it won't be available for import until the 29th.
H&R Block said it won't be available for import until the 31st. I just entered the data manually.
by tj
Mon Jan 28, 2019 3:10 pm
Forum: Personal Investments
Topic: Risk free or very low risk at 4%
Replies: 43
Views: 4401

Re: Risk free or very low risk at 4%

There are some 10 year fixed annuities at 4%
by tj
Tue Jan 22, 2019 7:22 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 122
Views: 13821

Re: You Invest by JP Morgan Chase

Hmm the errors just seem to be on Vanguard Federal Money Market Fund, perhaps it can't be held at Chase. I received the same errors, however was able to successfully buy and hold the Vanguard Federal Money Market Fund. Still get the error when I try to get fund info, but have no other issues holdin...
by tj
Tue Jan 22, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Premiums Up Exactly 10% in 3 Consecutive Renewals?
Replies: 26
Views: 2126

Re: USAA Auto Premiums Up Exactly 10% in 3 Consecutive Renewals?

It might be a coincidence in your state. I don't think I've ever seen a trend like that in my rates from them.
by tj
Tue Jan 22, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 35
Views: 3699

Re: USAA Multi Product Discount

mickeyd wrote:
Tue Jan 22, 2019 4:19 pm
USAA is in the process selling their investment branch (mutual funds?) to Victory in Ohio. Wonder how this will impact this.
It shouldn't. USAA already outsourced the brokerage operations to Fidelity and that didn't change it.
by tj
Tue Jan 22, 2019 3:13 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 122
Views: 13821

Re: You Invest by JP Morgan Chase

Hmm the errors just seem to be on Vanguard Federal Money Market Fund, perhaps it can't be held at Chase.
by tj
Mon Jan 21, 2019 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 78
Views: 11029

Re: Fidelity Rewards Visa Card

I realize that some of us like to consolidate all of their financial activities into a single institution, but the sad truth is that the credit cards offered by Fidelity and Schwab are simply not the best available. In Fidelity's case, the frequent shutdowns for possible credit card fraud are the p...
by tj
Mon Jan 21, 2019 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 35
Views: 3699

Re: USAA Multi Product Discount

Multi product discount calculator showed I’d get $2~$3/month off my homeowners policy if I added an investment account, so I opened one and bought $500 worth of USAA 2050 Target retirement fund. But then I realized it’s a managed fund with lots of cap gains distribution every year (compared to Vang...
by tj
Mon Jan 21, 2019 3:39 pm
Forum: Personal Investments
Topic: Saving for 1-2 years rather than for a lifetime
Replies: 75
Views: 6456

Re: Saving for 1-2 years rather than for a lifetime

Having a saving plan doesn't need to be rigid. Your life is allowed to change.
by tj
Mon Jan 21, 2019 2:56 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 122
Views: 13821

Re: You Invest by JP Morgan Chase

What hours do you need to place a trade in for a Vanguard mutual fund? I can't seem to get the quote page to work properly.
by tj
Sun Jan 20, 2019 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another Solo 401k vs SEP question
Replies: 22
Views: 1208

Re: Yet another Solo 401k vs SEP question

SIMPLE IRA because you can deduct up to $12k, you'll be limited to 20% (25%?) of profits with a SEP or Solo 401k if you are already maxing out a 401k at work. The salary deferral limit unfortunately applies across all plans so a SIMPLE won't help. My understanding was the Simple IRA was completely ...
by tj
Sat Jan 19, 2019 8:52 pm
Forum: Investing - Theory, News & General
Topic: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund
Replies: 58
Views: 6566

Re: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund

Could a risk be that they have zero fees now but may end up raising the fee later? This is one reason I did not switch to the Fidelity Zero Funds. In the real world, really good deals just don't last. This seems to good to be true and thus I would shy away. In a tax advantaged account, you just sel...
by tj
Sat Jan 19, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another Solo 401k vs SEP question
Replies: 22
Views: 1208

Re: Yet another Solo 401k vs SEP question

SIMPLE IRA because you can deduct up to $12k, you'll be limited to 20% (25%?) of profits with a SEP or Solo 401k if you are already maxing out a 401k at work.
by tj
Thu Jan 17, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 284
Views: 69368

Re: How to Minimize Your Emergency Care Expenses

I may get a bunch of slings and arrows for this but an easy way to minimize emergency care expenses is to belong to an HMO (like Kaiser that operates their own hospitals and other facilities) and to use Kaiser facilities. Some parts of the country have a strong Kaiser presence, others don't have an...
by tj
Thu Jan 17, 2019 4:17 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1528
Views: 245625

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I think I used VCHS when I held $$ at Tradeking for a couple months a year and a half ago. I don't remember if it gained or lost. It was negligible. Do you mean VGSH? I've considered that in the past, but the avg maturity of 2.0 yrs was a bit out of my range. No I used the corporate fund. It was a ...
by tj
Thu Jan 17, 2019 3:41 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1528
Views: 245625

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I think I used VCHS when I held $$ at Tradeking for a couple months a year and a half ago. I don't remember if it gained or lost. It was negligible.
by tj
Thu Jan 03, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual Whole Life Insurance (65 Life)
Replies: 61
Views: 3518

Re: Northwestern Mutual Whole Life Insurance (65 Life)

You have no dependents....currently. What about tomorrow? Sorry, but that's just silly. It's like buying a Homeowner's policy today because - at some indeterminate date in the future - I might consider purchasing a home. The OP has stated no reason to have any life insurance. I think it makes perfe...
by tj
Wed Jan 02, 2019 5:17 pm
Forum: Personal Investments
Topic: VG advises 15% International Bonds (VTABX)... Why?
Replies: 48
Views: 3775

Re: VG advises 15% International Bonds (VTABX)... Why?

...(and lower yields)... Don't forget to factor in the currency hedging. According to Morningstar, the hedging has added 3 percentage points a year to its return. And its returned more than Total (U.S.) Bond since its inception (5/31/2013). http://quotes.morningstar.com/chart/fund/chart?t=VTABX®...
by tj
Wed Jan 02, 2019 3:38 pm
Forum: Personal Investments
Topic: VG advises 15% International Bonds (VTABX)... Why?
Replies: 48
Views: 3775

Re: VG advises 15% International Bonds (VTABX)... Why?

Is this recommendation just for “developed” country bonds, or does it include “advanced” emerging, “secondary” emerging, first trimester, and frontier bonds? Did I miss anybody? 3.90% Emerging Markets 56.50% Europe 26.90% Pacific 0.20% Middle East 8.80% North America 3.70% Other Japan France German...
by tj
Wed Jan 02, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Fee Only Indep. advisor, Schwab or Vanguard?
Replies: 5
Views: 444

Re: Fee Only Indep. advisor, Schwab or Vanguard?

here's an interview with the $96/year guy. I'm definitely considering it just for a second opinion:

https://www.doughroller.net/financial-p ... mark-zoril
by tj
Tue Jan 01, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual Whole Life Insurance (65 Life)
Replies: 61
Views: 3518

Re: Northwestern Mutual Whole Life Insurance (65 Life)

If you do the 1035, be sure you don't buy it from most insurance salesmen who will then get a similar commission and you would again lose to a surrender fee. Vanguard annuities is one of the recommended sources of lower cost annuities, although investments are still a lower cost than annuities. I t...
by tj
Tue Jan 01, 2019 2:26 pm
Forum: Personal Investments
Topic: Vanguard personal advisor service (PAS) for high net worth?
Replies: 70
Views: 6544

Re: Vanguard personal advisor service (PAS) for high net worth?

I use a cookie cutter advisor service whose flat fee is less than VG's PAS percentage fee for my almost modest asset amount. I've had the same advisor there for 13 years. She is a CFP and offers to adjust my stock/bond ratio at any time. I need someone standing between my impulsiveness and my asset...
by tj
Mon Dec 31, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: Annuities objectively considered
Replies: 111
Views: 7412

Re: Annuities objectively considered

Perhaps to take a slightly different approach. A 45 year old male can buy $1193 in income beginning at age 65 for 100K. A 65 year old male can buy $528 in income beginning immediately for 100K (both quotes using the cash refund option). The 45 year old buying today is getting a yield of 4.15% on th...
by tj
Mon Dec 31, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: Annuities objectively considered
Replies: 111
Views: 7412

Re: Annuities objectively considered

For a joint life annuity (male and female, both age 65), I get a level payment quote of $469/month from immediateannuities.com. When I put that into my formula, I get an estimate of $305/month for a 3%-indexed payment. Real-world payouts should be a little higher (maybe someone has access to give u...