Search found 2190 matches

by tj
Sat Nov 17, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: interesting call with my 80yr old mothers Fidelity advisor
Replies: 12
Views: 1325

Re: interesting call with my 80yr old mothers Fidelity advisor

So what is the point of having a fee based advisor if they do not take their clients concerns into account? What's the point of having an advisor if you know what to invest in? Move her to Vanguard PAS if you want her to have a Boglehead like portfolio. Fidelity GO would work too, but she wouldn't ...
by tj
Sat Nov 17, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 270
Views: 17112

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

dachshunddad wrote:
Sat Nov 17, 2018 1:41 pm
Thanks to everyone for letting the community know this info. I'm going to switch to Fidelity this week.

Does anyone know of a way around the health equity $25 closing fee?

:sharebeer
Pay it. $25 is nothing compared to the 40bps wrap unless your account is small.
by tj
Sat Nov 17, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund
Replies: 13
Views: 965

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

Will there ever be a "lower free" response from Vanguard? Doubt it. I do not have numbers to prove it but I am 95% confident that the average and median customer at vanguard pays a lower expense than than the same customer at Fidelity or ANY other brokerage or mutual fund company. Focusing on one f...
by tj
Sat Nov 17, 2018 1:13 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 270
Views: 17112

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

Does anyone know if Fidelity support Institutional class Vanguard funds? That's what I have in my HealthEquity account and wondering if I'd need to sell before transferring. I don't know, but I doubt it. Fidelity's own peasant class index funds have extremely low ERs, sometimes lower than Vanguard ...
by tj
Sat Nov 17, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 270
Views: 17112

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

Does anyone know if Fidelity support Institutional class Vanguard funds? That's what I have in my HealthEquity account and wondering if I'd need to sell before transferring. I don't know, but I doubt it. Fidelity's own peasant class index funds have extremely low ERs, sometimes lower than Vanguard ...
by tj
Sat Nov 17, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Sell 0% Fixed Rate IBonds and Buy TIPS?
Replies: 10
Views: 836

Re: Sell 0% Fixed Rate IBonds and Buy TIPS?

I think it's a good article. The question needs to be asked. But the answer will be different for different folks. There are probably some people who should hold on to those low yield I bonds. Others would absolutely be better served by swapping them out for higher yielding TIPS. How so? Who benefi...
by tj
Sat Nov 17, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund
Replies: 13
Views: 965

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

lostdog wrote:
Sat Nov 17, 2018 9:07 am
Will there ever be a "lower free" response from Vanguard?
Doubt it.
by tj
Sat Nov 17, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 270
Views: 17112

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

Does anyone know if Fidelity support Institutional class Vanguard funds? That's what I have in my HealthEquity account and wondering if I'd need to sell before transferring.
by tj
Sat Nov 17, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Water-Sewer line insurance
Replies: 28
Views: 996

Re: Water-Sewer line insurance

What companies offer this type of insurance?
by tj
Tue Nov 13, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Question re: HSA for federal employees and FSA carryover
Replies: 15
Views: 877

Re: Question re: HSA for federal employees and FSA carryover

sixtoeight wrote:
Tue Nov 13, 2018 1:37 pm
I am also thinking of getting GEHA high deductible during the open season. For feds, are there any other HSA plans that people have tried other than GEHA?
Folks have mentioned Aetna and MHBP in other threads.
by tj
Tue Nov 13, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 30
Views: 2990

Re: USAA Multi Product Discount

mickeyd wrote:
Tue Nov 13, 2018 2:48 pm
Since USAA is selling off it's mutual funds to Victory, I wonder if that will affect any future discounts.
It says the accounts will still be accessible through USAA.com, so I doubt it.
by tj
Tue Nov 13, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Another HDHP Question
Replies: 7
Views: 427

Re: Another HDHP Question

I definitely wouldn't be doing a HDHP with a "new baby" coming. You have guaranteed higher medical expenses than normal... You'll have to pay $2700 deductible + 20% coinsurance until you spend the $8,000 With the plan 2, you only have a $300 deductible + 10% coinsuance until you spend $2,000. Why w...
by tj
Tue Nov 13, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Another HDHP Question
Replies: 7
Views: 427

Re: Another HDHP Question

I definitely wouldn't be doing a HDHP with a "new baby" coming. You have guaranteed higher medical expenses than normal... You'll have to pay $2700 deductible + 20% coinsurance until you spend the $8,000 With the plan 2, you only have a $300 deductible + 10% coinsuance until you spend $2,000. Why wo...
by tj
Tue Nov 13, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Direct Primary Care-Anyone use it?
Replies: 40
Views: 3131

Re: Direct Primary Care-Anyone use it?

Not ideal, I agree. But if patients are fed up with their HMO and want to see me, I am happy to work with them as long as they realize it may be clunky. As for the HMO docs, they get paid the same whether the patient comes to see them or not , and they are already overwhelmed with their own workloa...
by tj
Mon Nov 12, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 30
Views: 2990

Re: USAA Multi Product Discount

As much as I want to consolidate, the token mutual fund offers superb savings ...I consolidated OUT of USAA a few years ago, but with the savings your link is showing, the minimum is going right back in. I certainly hope it is only $1k... Curious as to what $$ amount is superb savings, if you care ...
by tj
Mon Nov 12, 2018 12:41 am
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 30
Views: 2990

Re: USAA Multi Product Discount

As much as I want to consolidate, the token mutual fund offers superb savings ...I consolidated OUT of USAA a few years ago, but with the savings your link is showing, the minimum is going right back in. I certainly hope it is only $1k... Curious as to what $$ amount is superb savings, if you care ...
by tj
Sat Nov 10, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4038

Re: tipping for grocery delivery

They are paid at least minimum wage-$10.50, but pay ranges from $11.50 to 21.00
I wouldn't be so sure. Instacart, Shipt, Doordash, Postmates, GrubHub, UberEats, Amazon Restaraunts - those are all independent contractors and IMO unprofitable to pursue considering the vehicle cost.
by tj
Sat Nov 10, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 93
Views: 15140

Re: Don't pay full price for SiriusXM radio

neilpilot wrote:
Sat Nov 10, 2018 10:36 am
Bacchus01 wrote:
Sat Nov 10, 2018 10:04 am
Pandora is better, more mobile, and free.
Free even if you pay for mobile data? I prefer the lower overall cost of my current free cell phone plan with limited "free" data, plus the $5/mo I pay for SiriusXM.
What's your free cell phone plan?
by tj
Fri Nov 09, 2018 11:44 pm
Forum: Personal Consumer Issues
Topic: Appealing Insurance Dental Claim Decision
Replies: 10
Views: 833

Re: Appealing Insurance Dental Claim Decision

There isn't anything to appeal. Pick a dentist that is in network or go into it understanding that you won't have it 100% covered.
by tj
Thu Nov 08, 2018 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term Care Insurance
Replies: 184
Views: 8793

Re: Long-term Care Insurance

Are they still selling LTCi policies with no cap? Last I heard, they were NO longer issuing policies with no caps and having very high premium rate increases on many outstanding policies. Back when H was a fed employee over a decade ago, all the policies he was sent to look over to potentially buy ...
by tj
Thu Nov 08, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 473
Views: 44517

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

When I went to ally.com, I saw the promo on top of the front page. I know some people reported not having it tho. I wonder why the response was so huge on this? I've seen other deals like $400 for 10k at HSBC or $500 for 50k at CapOne. Maybe because it included existing customers Most of those requ...
by tj
Thu Nov 08, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 473
Views: 44517

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

Did existing Ally customers automatically get included, or did they also have to actively enroll in the promotion? I've had an Ally savings account for years, but didn't hear about this until just recently. similar here, didn't hear a thing. They were tryting to attract new deposits. Maybe they did...
by tj
Thu Nov 08, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: PenFed new savings rates
Replies: 19
Views: 2252

Re: PenFed new savings rates

Penfed used to be a good place to invest in CDs. But their EWP is bad enough to make their CDs unattractive if there is a possibility of early withdrawal. Agree with this. I have used Pen Fed CD's in the past, but not recent past. I now keep only a small token amount in one of their CD's simply to ...
by tj
Thu Nov 08, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: PenFed new savings rates
Replies: 19
Views: 2252

Re: PenFed new savings rates

Penfed used to be a good place to invest in CDs. But their EWP is bad enough to make their CDs unattractive if there is a possibility of early withdrawal. Agree with this. I have used Pen Fed CD's in the past, but not recent past. I now keep only a small token amount in one of their CD's simply to ...
by tj
Thu Nov 08, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 134
Views: 10090

Re: Core-4 Investing is LIVE! It really is this time!

Glad to see it's finally launched!

Curious about the advertising firm though. On Core-4 site says they only do passive strategies for all accounts, but when you go to the firm's site, says they do individual stock picking as well.
by tj
Wed Nov 07, 2018 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Visa [credit card]
Replies: 20
Views: 1700

Re: Alliant Visa

HEDGEFUNDIE wrote:
Mon Nov 05, 2018 9:55 am
So the breakeven for the old card is $11,800 per year in spending for the extra 0.5% cash back to cover the annual fee.

I’ll be calling them today asking to convert my card to the new one.
Did they convert it?
by tj
Tue Nov 06, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: USAA credit card
Replies: 22
Views: 1685

Re: USAA credit card

What makes you think USAA is devaluing their 2.5% card?
by tj
Sun Nov 04, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone upgrading to sapphire banking at chase?
Replies: 7
Views: 1019

Re: Anyone upgrading to sapphire banking at chase?

I'd rather get the cash. I only redeem points for cash, so....
by tj
Sun Nov 04, 2018 1:07 am
Forum: Personal Finance (Not Investing)
Topic: Using drug discount coupons affecting deductible?
Replies: 26
Views: 1589

Re: Using drug discount coupons affecting deductible?

It's the same when you use a Dental Discount card - you can't also bill it to insurance....
by tj
Fri Nov 02, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Rewards - Do you move the cash out of Fido?
Replies: 47
Views: 3453

Re: Fidelity Visa Rewards - Do you move the cash out of Fido?

Transfer to my checking account. I suppose you cold use bill pay at Fidelity, to pay the Fidelity credit card, for example.
by tj
Thu Nov 01, 2018 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Help with choosing a Medigap company (not plan)
Replies: 5
Views: 762

Re: Help with choosing a Medigap company (not plan)

I'll be turning 65 in February of next year, so I'll be signing up for Medicare A & B tomorrow or soon after that. I've been doing a lot of Medicare research over the past couple of months - I've read Medicare for Dummies and I've spent an embarrassing amount of time on Medicare.gov reading about M...
by tj
Mon Oct 29, 2018 10:59 pm
Forum: Investing - Theory, News & General
Topic: ETF provider State Street unintentionally promotes traditional index funds
Replies: 38
Views: 2739

Re: ETF provider State Street unintentionally promotes traditional index funds

edgeagg wrote:
Mon Oct 29, 2018 4:30 pm
The game was reasonably fun, though the scores seemed unnecessarily inflated.

To be honest, for a passive investor, is there ever any good reason to buy ETFs? I can't think of a single reason off the top of my head.
There is no mutual fund equivalent of IJR and IJH.
by tj
Mon Oct 29, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard as a trustee
Replies: 33
Views: 3069

Re: Vanguard as a trustee

Doesn't Vanguard include accounting (e.g. the tax prep for the trust) in their fee? I recall reading that here...
by tj
Mon Oct 29, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Will or Trust?
Replies: 13
Views: 1603

Re: Will or Trust?

have not been given a plan to extend credit protection to the retirement accounts
Retirement accounts may already be protected? This PDF is a few years old though.

https://www.thetaxadviser.com/content/d ... achart.pdf
by tj
Mon Oct 29, 2018 12:32 am
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 30
Views: 2990

Re: USAA Multi Product Discount

flamesabers wrote:
Sun Oct 28, 2018 10:16 pm
Is anyone having issues accessing this discount calculator? When I click on the link, I get the message "We are unable to complete your request online."

That might mean that it is not available in your state.
by tj
Sun Oct 28, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 30
Views: 2990

Re: USAA Multi Product Discount

I am wondering whether someone might tell me: When you opened a Brokerage Account and bought a USAA ETF or other fund, did the extra discount show up automatically, or did you need to call the representative to ask for the discount? Thanks for the idea. It looks like I could save about $74/year. Th...
by tj
Sun Oct 28, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard as a trustee
Replies: 33
Views: 3069

Re: Vanguard as a trustee

I am also interested in hearing about experiences with Vanguard as a trustee for an irrevokable trust. In particular, is there any way that the trust (with Vanguard as trustee) can own a share of a family LLC (limited liability corporation)? (The LLC mainly holds about 9,000 acres of pastureland th...
by tj
Sun Oct 28, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 30
Views: 2990

Re: USAA Multi Product Discount

If your going to open a token mutual fund investment account with USAA: I think USAA's money market at the $1,000 minimum is a better deal than the USAA S&P 500 mutual fund which has a minimum of $3,000 and an expense ratio of 0.25%. Also the USAA S&P 500 mutual fund charges a quarterly $2.50 "inde...
by tj
Sun Oct 28, 2018 12:39 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1338
Views: 224611

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I haven't seen this offer, but if you have the Chase Sapphire Reserve, 60k points are worth $900. Thanks for this info. Is the extra 50% applicable only to redemption for travel rewards under CSR or does it apply to redemtion for cash as well? Travel. I never bother with travel redemptions. Its 1 c...
by tj
Sat Oct 27, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard, Costco, Coursera...
Replies: 39
Views: 5383

Re: Vanguard, Costco, Coursera...

I'm not sure of the policy for USAA Subscriber Accounts. (What you refer to as "dividends" are technically returns of premiums from USAA's reserves.) From what I've read, I think that only military members ("those who've served honorably") have Subscriber Accounts. I don't think that family members...
by tj
Sat Oct 27, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: To those who avoid FICA with HSA payroll contributions
Replies: 51
Views: 8601

Re: To those who avoid FICA with HSA payroll contributions

I would be shocked if I pass the second bend point. That's a a salary of over $70k for 35 years. Does that mean I shouldn't avoid FICA with HSA?
by tj
Sat Oct 27, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard, Costco, Coursera...
Replies: 39
Views: 5383

Re: Vanguard, Costco, Coursera...

I've been to a number of USAA conferences and I'm familiar with their business model. How do the enlisted military not notice that they don't get competitive rates,though? Do they just not shop around? E.G. premium comparisons from Hawaii, when you compare USAA vs USAA CIC vs Garrison P&C vs USAA G...
by tj
Sat Oct 27, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA plans available for review
Replies: 30
Views: 2925

Re: 2019 ACA plans available for review

Also, the individual mandate is a federal rule. I believe they got rid of the federal mandate? If I understand correctly, there is still technically an individual mandate at the federal level, but the penalty for failing to obtain insurance was reduced to $0. From the linked webpage: Starting with ...
by tj
Sat Oct 27, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA plans available for review
Replies: 30
Views: 2925

Re: 2019 ACA plans available for review

Also, the individual mandate is a federal rule.
I believe they got rid of the federal mandate?
by tj
Fri Oct 26, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Mapfre Insurance - Boston Area
Replies: 16
Views: 749

Re: Mapfre Insurance - Boston Area

Did you have Amica quote it? This can be done on their website. They are also very popular in the Northeast. No, an independent agent gave me the quotes. Go to amica.com and quote online or call them. They don't sell through agents. They are the top rated by JD Power in your region. https://www.jdp...
by tj
Fri Oct 26, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA plans available for review
Replies: 30
Views: 2925

Re: 2019 ACA plans available for review

Last year, Maricopa County in Arizona only had 1 option on the exchange. 4 this year. I guess that's an improvement.
by tj
Fri Oct 26, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Mapfre Insurance - Boston Area
Replies: 16
Views: 749

Re: Mapfre Insurance - Boston Area

Did you have Amica quote it? This can be done on their website. They are also very popular in the Northeast. No, an independent agent gave me the quotes. Go to amica.com and quote online or call them. They don't sell through agents. They are the top rated by JD Power in your region. https://www.jdp...
by tj
Fri Oct 26, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Mapfre Insurance - Boston Area
Replies: 16
Views: 749

Re: Mapfre Insurance - Boston Area

Did you have Amica quote it? This can be done on their website. They are also very popular in the Northeast.
by tj
Fri Oct 26, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 30
Views: 2990

Re: USAA Multi Product Discount

They also provide an additional discount if you have a checking account with them (minimum balance $1 AFAICT). I have a credit card, but not a checking account. Adding a checking account doesn't seem to make a difference. It seems to be one banking account, one investment account, life insurance, p...
by tj
Fri Oct 26, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 30
Views: 2990

USAA Multi Product Discount

https://www.usaa.com/inet/pcsavingscalculator/pcsavings If you have an auto or home policy, you might want to play with the multi product savings calculator to see if you can obtain some low effort discounts. I'm assuming the savings are percentage based rather than dollar based, but for me, In Ariz...