Search found 245 matches

by SobeCane
Wed Aug 30, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: High-Deductible Health Plan vs. Peace of Mind
Replies: 42
Views: 4205

Re: High-Deductible Health Plan vs. Peace of Mind

Don't want to de-rail the thread but I have a similar comparison and am also young, single, and in good health. (Mods, If this needs a new, separate post, let me know) HDHP Deductible $2,500 Out of Pocket Max $2,500 Bi-Weekly Premium $20 Employer Contribution to HSA $1,000 Regular Plan Deductible $...
by SobeCane
Wed Aug 30, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: High-Deductible Health Plan vs. Peace of Mind
Replies: 42
Views: 4205

Re: High-Deductible Health Plan vs. Peace of Mind

Don't want to de-rail the thread but I have a similar comparison and am also young, single, and in good health. (Mods, If this needs a new, separate post, let me know) HDHP Deductible $2,500 Out of Pocket Max $2,500 Bi-Weekly Premium $20 Employer Contribution to HSA $1,000 Regular Plan Deductible $0...
by SobeCane
Mon May 22, 2017 10:07 am
Forum: Investing - Theory, News & General
Topic: BofA HSA dropping Vanguard Funds
Replies: 65
Views: 8849

Re: BofA HSA dropping Vanguard Funds

Just wanted to provide a heads up. Bank of America HSA recently did a systems wide upgrade to their website towards the end of April. All of my investments were automatically liquidated to cash. Just logged into the new website to set up the investments again. Not happy. What?! Did this happen to a...
by SobeCane
Wed May 17, 2017 11:04 am
Forum: Investing - Theory, News & General
Topic: BofA HSA dropping Vanguard Funds
Replies: 65
Views: 8849

Re: BofA HSA dropping Vanguard Funds

Don't know if there was a typo, but this post says that ER of BDOKX used to be 1.2%! h https://www.bogleheads.org/forum/viewtopic.php?t=162233 I've been willing to attribute the underpermance to the higher ER. now that it is lower I expect the performance to improve. Perhaps that was the gross expe...
by SobeCane
Wed May 17, 2017 7:57 am
Forum: Investing - Theory, News & General
Topic: BofA HSA dropping Vanguard Funds
Replies: 65
Views: 8849

Re: BofA HSA dropping Vanguard Funds

Available investments and the current ERs include WFSPX, S&P 500 index, ER 0.04% BDOKX, Total international index, ER 0.11% IUTIX, Treasury index, ER 0.2% Expense ratios are not enough to look at. BDOKX, Blackrock's "Total International", has underperformed Vanguard's Total Internatio...
by SobeCane
Tue May 16, 2017 4:51 pm
Forum: Investing - Theory, News & General
Topic: BofA HSA dropping Vanguard Funds
Replies: 65
Views: 8849

Re: BofA HSA dropping Vanguard Funds

Just wanted to provide a heads up. Bank of America HSA recently did a systems wide upgrade to their website towards the end of April. All of my investments were automatically liquidated to cash. Just logged into the new website to set up the investments again. Not happy.
by SobeCane
Wed Apr 19, 2017 4:29 pm
Forum: Investing - Theory, News & General
Topic: How to use Vanguard Portfolio Watch for rebalancing
Replies: 91
Views: 42519

Re: How to use Vanguard Portfolio Watch for rebalancing

I use the Vanguard Portfolio as well. It is a good tool. However, it refuses to treat the Fidelity Total U.S. stock index properly(counts it as 100% large cap) so I have to go to Portfolio analysis and subsitute the Vanguard Total US Stock Index to get an accurate account for small and mid cap stoc...
by SobeCane
Fri Feb 17, 2017 5:31 pm
Forum: Investing - Theory, News & General
Topic: BofA HSA dropping Vanguard Funds
Replies: 65
Views: 8849

Re: Bank of America HSA: new investment menu

[Thread merged into here, see below. --admin LadyGeek] B of A HSA has offered investor class shares of Vanguard's 500, inflation protected bond, and Total International funds, choices I was pretty happy with. However, they just today announced a new lineup. They are getting rid of the Vanguard choi...
by SobeCane
Thu Jan 19, 2017 11:12 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 105
Views: 12478

Re: Vanguard's new "account overview" page... BOO!

that's how I used to do it but there is no edit button available now. http://i65.tinypic.com/2u7rg5w.jpg " Edit holdings " is not really a button. Maybe your browser has a problem or is an outdated version? Livesoft - you are using the old page format. Mine had updated to the new "ex...
by SobeCane
Thu Jan 19, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 105
Views: 12478

Re: Vanguard's new "account overview" page... BOO!

Can anyone edit their "Outside Holdings" on the new accounts overview page? Sure, I just click on "Outside investments" and I am taken directly to Outside investments on "Balances and holdings" page where all edits are possible. Or I can click on "Go to Balances a...
by SobeCane
Wed Jan 18, 2017 4:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 105
Views: 12478

Re: Vanguard's new "account overview" page... BOO!

Can anyone edit their "Outside Holdings" on the new accounts overview page?
by SobeCane
Sun Jan 31, 2016 11:54 am
Forum: Investing - Help with Personal Investments
Topic: switch to Bank of America HSA
Replies: 23
Views: 3303

Re: switch to Bank of America HSA

I buy one fund at Saturna for $14.95 total cost per year. Hard to beat that. This option would have no cost and you would only pay the expense ratios of the funds. What funds and expense ratios does Saturna provide? You can buy anything on the open market except admiral shares. For Vanguard funds (...
by SobeCane
Sun Jan 31, 2016 10:01 am
Forum: Investing - Help with Personal Investments
Topic: switch to Bank of America HSA
Replies: 23
Views: 3303

Re: switch to Bank of America HSA

mikep wrote:I buy one fund at Saturna for $14.95 total cost per year. Hard to beat that.


This option would have no cost and you would only pay the expense ratios of the funds. What funds and expense ratios does Saturna provide?
by SobeCane
Sat Jan 30, 2016 10:49 am
Forum: Investing - Help with Personal Investments
Topic: switch to Bank of America HSA
Replies: 23
Views: 3303

Re: switch to Bank of America HSA

dodecahedron wrote:Interesting! How long ago did you do this? And did this interchange take place before or after you opened a HSA at BOA.


I asked earlier this week before I proceeded with opening an account. Today I opened the account and will be doing a trustee to trustee rollover in.
by SobeCane
Fri Jan 29, 2016 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: switch to Bank of America HSA
Replies: 23
Views: 3303

Re: switch to Bank of America HSA

I sent a message to the email address on the HSA page and a representative replied that they would waive the monthly fee for Platnium Honors.
by SobeCane
Fri Jan 29, 2016 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: switch to Bank of America HSA
Replies: 23
Views: 3303

Re: switch to Bank of America HSA

Re-visiting an old thread but I think Bank of America might have a great HSA solution. While I know we all wish Vanguard would get into the HSA business directly for those of us who invest our HSA and don't take distributions or need a debit card, I think BOA's options are superior to HSA Administat...
by SobeCane
Thu Jul 09, 2015 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Windfall Elimination Provision
Replies: 30
Views: 6783

Re: Social Security Windfall Elimination Provision

Update #3. -------------------------------------------------------------------- Unfortunately my mother has passed away at the age of 64 and I would like to revisit this post due to the change in circumstances. Mom died at age 64 and has never applied for SS benefits Dad is age 67 and is currently w...
by SobeCane
Tue Jun 02, 2015 4:27 pm
Forum: Personal Consumer Issues
Topic: Heads up on a great CC promotion (Chase Freedom)
Replies: 51
Views: 10567

Re: Heads up on a great CC promotion (Chase Freedom)

[OT comments removed by admin LadyGeek]
by SobeCane
Fri Mar 13, 2015 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Windfall Elimination Provision
Replies: 30
Views: 6783

Re: Social Security Windfall Elimination Provision

OP here, adding on to a post that is 4 years old but hoping that sscritic or others can assist. Same facts but now my father is 67 years old, still working for the Federal Government, and has not claimed social security due to the earnings test that sscritic mentioned in post #2. However, I want to ...
by SobeCane
Mon Jan 26, 2015 10:15 am
Forum: Investing - Help with Personal Investments
Topic: More tax efficient: Total US or Total International?
Replies: 19
Views: 3369

Re: More tax efficient: Total US or Total International?

tludwig23 wrote:Seems odd to have a poll for factual information.


You are correct. I guess the question should have been; which do you prefer holding in a taxable account?
by SobeCane
Fri Jan 23, 2015 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: More tax efficient: Total US or Total International?
Replies: 19
Views: 3369

Re: More tax efficient: Total US or Total International?

Your second point hits it all. TSM has all qualified dividends and thus for higher tax brackets will be taxed at the LT cap gains rate vs ordinary income tax for non qualified - but TISM has the foreign tax credit... TISM also has qualified dividends. Approximately 73% in 2012, 70% in 2013 and 74% ...
by SobeCane
Fri Jan 23, 2015 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: More tax efficient: Total US or Total International?
Replies: 19
Views: 3369

More tax efficient: Total US or Total International?

According to the http://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement Total Index funds for both Domestic and International funds are highly recommended for holding in taxable accounts due to their tax efficiency. I was wondering which one was more efficient or if it depends on ...
by SobeCane
Wed Nov 19, 2014 12:58 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 133
Views: 36150

Re: my review of my HSA with Saturna brokerage

I was given the following list of fund families have entered into agreements with Pershing and Saturna Brokerage Services for zero commission. Does anyone know if any of these fund families offer a Total Stock Market or S&P 500 fund with low expense ratios? Alger Allianz2 American Century Apples...
by SobeCane
Tue Nov 18, 2014 11:12 am
Forum: Personal Finance (Not Investing)
Topic: HSA Bank or Health Savings Administrators?
Replies: 38
Views: 13059

Re: HSA Bank or Health Savings Administrators?

Any updates a year later as to which of these firms is better? How much value is given to the fact that HSA Administrators Fee can be paid with funds outside the HSA?
by SobeCane
Mon Nov 03, 2014 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 378
Views: 70660

Re: Bank of America/Merrill Edge - Preferred Rewards

I recently took advantage of this promotion and am waiting for the 90 days period to get my $500 bonus for $100k in assets. I have my investment in iShares S&P 1500 Index Fund for automatic dividend reinvestment but was wondering about the fee you discussed above that I had not initially noticed...
by SobeCane
Wed Aug 27, 2014 11:31 am
Forum: Personal Finance (Not Investing)
Topic: strategy to get brokerage bonuses
Replies: 56
Views: 5968

Re: strategy to get brokerage bonuses

How do you get fidelity to re-invest the dividend automatically for an ETF? I thought that was one of the disadvantages to ETFS is that you can't buy fractional shares?

Merrill Edge has a current promo for $500 for 100k in assets or .5%
by SobeCane
Wed Aug 27, 2014 11:03 am
Forum: Personal Finance (Not Investing)
Topic: strategy to get brokerage bonuses
Replies: 56
Views: 5968

Re: strategy to get brokerage bonuses

Tramper Al - I agree with everything above and think it is worth it to play the brokerage bonus game, especially for IRA accounts (no 1099 received). My one issue is that it will only work with ETF's and not Mutual Funds. The ETF's seem to declare dividends every month and there is no automatic re-i...
by SobeCane
Thu Apr 24, 2014 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Elfcu HSA $24 Wire Transfer Fee
Replies: 11
Views: 1784

Re: Elfcu HSA $24 Wire Transfer Fee

http://thefinancebuff.com/elfcu-best-hsa-adds-fee.html

Encourage others to voice their displeasure about the new fee and no option for ACH
by SobeCane
Thu Mar 20, 2014 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: HSA: spend it or save it?
Replies: 27
Views: 7195

Re: HSA: spend it or save it?

Got excited when I saw that 5% interest rate being mentions for HSA accounts. Then realized this thread is from 2008.
by SobeCane
Sun Mar 02, 2014 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Experiences with Eli Lilly Credit Union for HSA?
Replies: 69
Views: 19513

Re: Experiences with Eli Lilly Credit Union for HSA?

AZB- what type of credit card was it? I have heard that Citi cards code it as a cash advance.
by SobeCane
Sun Mar 02, 2014 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Experiences with Eli Lilly Credit Union for HSA?
Replies: 69
Views: 19513

Re: Experiences with Eli Lilly Credit Union for HSA?

azb wrote: So far, I am very happy with this no-fee account. (Heck, they even let me use a credit card to make my initial HSA deposit, which gave me 2% free money.


Can anyone else confirm that they will allow a full years of contribution to be funded by a credit card?
by SobeCane
Tue Feb 25, 2014 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: HSA as stealth IRA - Inheritence issue
Replies: 9
Views: 2029

Re: HSA as stealth IRA - Inheritence issue

While there is no penalty for withdrawing after age 65, i think the inheritance rules should affect those who are trying to preserve the tax free growth of the HSA while they have years of un-reimbursed medical expenses that they could withdraw from the HSA tax free. Your heirs won't be able to reim...
by SobeCane
Tue Feb 25, 2014 11:55 am
Forum: Personal Finance (Not Investing)
Topic: HSA as stealth IRA - Inheritence issue
Replies: 9
Views: 2029

HSA as stealth IRA - Inheritence issue

I know many of us use the HSA as a stealth IRA. It is my understanding that inherited HSAs by non-spouses are included in the income of the recipient without the stretch provision of IRAs. Does it make sense for an elderly person to annually withdraw from the HSA up to the amount of cumulative medic...
by SobeCane
Mon Feb 17, 2014 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Help make Sec 457 Plan Election: 3.5% Guaranteed v. Tot Bond
Replies: 9
Views: 1552

Re: Help make Sec 457 Plan Election: 3.5% Guaranteed v. Tot

The website does not give much information as to how the guaranteed annuity contract works. I am hesitant to invest in something that I don't fully understand. I pulled this from the Nationwide site: Historical Crediting Yield Annualized 4th Quarter Yield:3.50% 2013 Guaranteed Yield: 3.50%: Creditin...
by SobeCane
Sun Feb 16, 2014 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help make Sec 457 Plan Election: 3.5% Guaranteed v. Tot Bond
Replies: 9
Views: 1552

Re: Changed Jobs - Help make Sec 457 Deferred Comp. Election

Hate to bump again but would like to understand all of my options before making such an important decision.
by SobeCane
Mon Feb 10, 2014 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help make Sec 457 Plan Election: 3.5% Guaranteed v. Tot Bond
Replies: 9
Views: 1552

Re: Changed Jobs - Help make Sec 457 Deferred Comp. Election

Why do you use the Pimco Total Return fund when it costs 3 times as much? Also, is it even an index fund?
by SobeCane
Sun Feb 09, 2014 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Help make Sec 457 Plan Election: 3.5% Guaranteed v. Tot Bond
Replies: 9
Views: 1552

Help make Sec 457 Plan Election: 3.5% Guaranteed v. Tot Bond

I posted my annual financial checkup in this post a couple months back: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=126908 I recently changed jobs from the private to the public sector and will be able to contribute to a Section 457 Deferred Compensation plan. The 2 plan providers to cho...
by SobeCane
Wed Jan 22, 2014 4:26 pm
Forum: Investing - Theory, News & General
Topic: Total International still more tax efficient than Total US?
Replies: 31
Views: 3049

Re: Total International still more tax efficient than Total

In the 15% tax bracket, the tax cost of Total Stock Market is zero. 30% of the Total International dividend is taxed at 15% (it was 33% this year), and with the 7% foreign tax credit, your net tax cost on Total International is -2% of the dividend. (There is an IRS rule which would prevent you from...
by SobeCane
Mon Jan 20, 2014 9:05 am
Forum: Investing - Theory, News & General
Topic: Total International still more tax efficient than Total US?
Replies: 31
Views: 3049

Re: Total International still more tax efficient than Total

Is the tax cost of Total US really 0? I remember reading a post recently where someone mentioned that they were shocked Total US was only 94% qualifies for 2013.
by SobeCane
Sun Jan 19, 2014 8:02 pm
Forum: Investing - Theory, News & General
Topic: Total International still more tax efficient than Total US?
Replies: 31
Views: 3049

Re: Total International still more tax efficient than Total

David,

Have you done the calculation with the 2013 dividend information? I am curious about the 15% bracket, no state income taxes.
by SobeCane
Sun Jan 19, 2014 7:52 pm
Forum: Investing - Theory, News & General
Topic: Total International still more tax efficient than Total US?
Replies: 31
Views: 3049

Total International still more tax efficient than Total US?

Now that the 2013 1099-DIV's have been issued, can someone shed some light on which fund is more tax efficient and more ideal to be held in taxable?

I know the dividend yield, % of dividend that is qualified, and % of foreign tax credit determine this, but not sure how to quantify.
by SobeCane
Sat Dec 21, 2013 6:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: SE Florida - Taylor's big birthday meeting 1/26/14
Replies: 50
Views: 5709

Re: SE Florida chapter - 2013/14 next meeting

Taylor & Englishgirl,

I will be there!

Thanks again for hosting and happy holidays.
by SobeCane
Fri Dec 20, 2013 8:08 am
Forum: Investing - Help with Personal Investments
Topic: 26y/o in 25% bracket should I even be doing Roth IRA?
Replies: 14
Views: 2034

Re: 26y/o in 25% bracket should I even be doing Roth IRA?

Beastykato, Why not use the 401(k) and other deductions to bring you down close to the 15% bracket before funding your Roth IRA? Your adjustments or itemized deductions may be different but here's an example: Salary 72,000 Health Ins. Premiums (2,000) HSA Contributions (3,250) 401(k) Deferral (17,50...
by SobeCane
Sat Nov 23, 2013 8:06 am
Forum: Investing - Help with Personal Investments
Topic: 3rd yr Boglehead Anniversary - Annual Checkup - 27 yr old.
Replies: 21
Views: 2149

Re: 3rd yr Boglehead Anniversary - Annual Checkup - 27 yr ol

Rent is cheap as I am lucky to have great roommates that I went to undergrad with. Most of my meals are provided between eating at work or having girlfriends that will cook dinner to try to impress me. Obviously, I know that I'll need more than 12k year to live in the future. I do have plans to sett...
by SobeCane
Sat Nov 23, 2013 12:23 am
Forum: Investing - Help with Personal Investments
Topic: 3rd yr Boglehead Anniversary - Annual Checkup - 27 yr old.
Replies: 21
Views: 2149

Re: 3rd yr Boglehead Anniversary - Annual Checkup - 27 yr ol

OP, congratulations on an impressive start towards retirement, and a very successful last 2 years, both from the market perspective as well as your personal contribution beyond that. It won't be long before you'll have years where your capital gains will exceed your gross income! I think you mean w...
by SobeCane
Sat Nov 23, 2013 12:19 am
Forum: Investing - Help with Personal Investments
Topic: 3rd yr Boglehead Anniversary - Annual Checkup - 27 yr old.
Replies: 21
Views: 2149

Re: 3rd yr Boglehead Anniversary - Annual Checkup - 27 yr ol

Gross 70,000.00 401K (17,500.00) Est Health Prem (5,000.00) HSA Account (1,000.00) AGI 46,500.00 Standard Deduction (3,800.00) Exemption (5,950.00) Taxable Income 36,750.00 Up to $17,850 1,785.00 $17,851 - $72,500 2,835.00 Total Tax 4,620.00 Gross 70,000.00 SS Tax Rate 6.20% Medicare Tax Rate 1.45%...
by SobeCane
Fri Nov 22, 2013 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: 3rd yr Boglehead Anniversary - Annual Checkup - 27 yr old.
Replies: 21
Views: 2149

Re: 3rd yr Boglehead Anniversary - Annual Checkup - 27 yr ol

You're doing an incredible job. You've gone from $150K 2 years ago, to ~$210,000 last year to ~$315K this year. How does one do this on $70k a year? Good question. Returns over 2 years average around 20% a year, so that accounts for a majority of the results, but not completely without basically in...
by SobeCane
Fri Nov 22, 2013 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: 3rd yr Boglehead Anniversary - Annual Checkup - 27 yr old.
Replies: 21
Views: 2149

Re: 3rd yr Boglehead Anniversary - Annual Checkup - 27 yr ol

You are overweighed in international - 44.94% to your suggested 40% allocation. You are underweighted in domestic equities - 55.3% vs. 60% suggested allocation. Time to rebalance. Grt2bOutdoor, I usually do this by investing new money instead of making taxable sales. Are you implying that it may be...
by SobeCane
Fri Nov 22, 2013 11:54 am
Forum: Investing - Help with Personal Investments
Topic: 3rd yr Boglehead Anniversary - Annual Checkup - 27 yr old.
Replies: 21
Views: 2149

3rd yr Boglehead Anniversary - Annual Checkup - 27 yr old.

I am asking for a checkup on my 3 year anniversary of becoming a Boglehead. I like to get a financial checkup from the Boglehead community similar to how I receive a free preventative care physical once a year from my doctor. Please let me know of any suggestions or areas that I have overlooked or n...