Search found 38 matches

by stevethefundguy
Sun Jul 12, 2020 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Question: Changed employers and ran into a situation
Replies: 3
Views: 349

Re: HSA Question: Changed employers and ran into a situation

I wouldn't worry about this, personally. Your description of a slight overlap in a final contribution being posted after you changed employers and were without an HDHP seems like a reasonable explanation that the IRS should accept, if this were to ever be questioned. Also, it's my understanding that...
by stevethefundguy
Sun Jun 21, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank Charging Monthly Account Maintenance Fees - GEHA HDHP
Replies: 19
Views: 1867

Re: HSA Bank Charging Monthly Account Maintenance Fees - GEHA HDHP

A 2019 HSA Bank fee increase applies to mutual fund investments made through the Devenir platform: Received from HSA Bank on June 26, 2019: >>To help you reach your unique Health Savings Accounts (HSA) investment goals, we are excited to announce changes to the Devenir HSA Investment Program effecti...
by stevethefundguy
Sun Aug 04, 2019 4:08 pm
Forum: Personal Investments
Topic: Is 0.30% Annual Fee on HSA Investment Account Reasonable?
Replies: 16
Views: 1328

Re: Is 0.30% Annual Fee on HSA Investment Account Reasonable?

whodidntante wrote: Sun Aug 04, 2019 4:00 pm I have two HSA accounts and I do not have "issues." What issues are you concerned about?
Thanks. It means keeping track of two annual HSA tax forms for tax filing, I suppose.
by stevethefundguy
Sun Aug 04, 2019 3:54 pm
Forum: Personal Investments
Topic: Is 0.30% Annual Fee on HSA Investment Account Reasonable?
Replies: 16
Views: 1328

Re: Is 0.30% Annual Fee on HSA Investment Account Reasonable?

I have an HSA account at HSAbank that is funded by automatic payroll deductions plus a quarterly employer contribution. But HSAbank just announced a .30% fee on mutual fund assets up to $50,000, which I've surpassed, meaning they'll take $150 annually out of my account. I'm thinking of transferring ...
by stevethefundguy
Tue Jan 01, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: delete
Replies: 2
Views: 221

Re: FSA and HSA Overlap

https://www.hsaedge.com/2018/02/17/hsa-contribution-with-fsa-carryover-grace-period/ It seems you can't fund an HSA until all funds in the general-purpose health FSA are spent. I would bring this to your employer's attention. Perhaps the funds in the general-purpose health FSA can be rolled over in...
by stevethefundguy
Sat Feb 18, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Missing my Microsoft Money - any equivalents?
Replies: 53
Views: 17292

Re: Missing my Microsoft Money - any equivalents?

Likewise, I still use my many-years-old Microsoft Money. I tried Quicken and was stunned by how inferior it was. But Money no longer automatically updates mutual fund/ETF daily prices, so every so often I have to do that manually. Microsoft could easily have kept that function available so it's part...
by stevethefundguy
Sun Sep 11, 2016 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Glass in Air Vents
Replies: 4
Views: 817

Re: Auto Glass in Air Vents

Maybe try suctioning out the glass shards with a vacuum-hose? Otherwise, I'd take it in to Goodyear or similar for an estimate so you at least know what the cost is likely to be before making any decisions.
by stevethefundguy
Sun Jul 31, 2016 7:35 am
Forum: Personal Finance (Not Investing)
Topic: has anyone wished they worked one or two more years
Replies: 76
Views: 10364

Re: has anyone wished they worked one or two more years

Might some of the early retirees share how much they've saved? I'm 59, with just over $2 million in investments and a paid-off mortgage on my home, earning about $100,000 annually. And I wouldn't feel secure retiring at this point. I'm thinking perhaps at 65, when I'll be able to start receiving pa...
by stevethefundguy
Sat Jul 30, 2016 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: has anyone wished they worked one or two more years
Replies: 76
Views: 10364

Re: has anyone wished they worked one or two more years

Might some of the early retirees share how much they've saved? I'm 59, with just over $2 million in investments and a paid-off mortgage on my home, earning about $100,000 annually. And I wouldn't feel secure retiring at this point. I'm thinking perhaps at 65, when I'll be able to start receiving pay...
by stevethefundguy
Sat Aug 17, 2013 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: A few questions about Long term care
Replies: 16
Views: 1249

Re: A few questions about Long term care

I have an unlimited benefit period through a policy with Bershire Life. I consider it a form of longevity insurance. I know the average stay in less than 5 years, but lifespans are getting longer every year. I also came across a few horror stories of people being told after 5 years they had to leave...
by stevethefundguy
Sat Aug 10, 2013 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning, second marriage, kids and steps
Replies: 45
Views: 5608

Re: Estate planning, second marriage, kids and steps

For what it's worth: my father had two children (my sister and myself), and his second wife, with whom he was very close, had three children from an earlier marriage. She was named executor, and virtually everything was left to her, based on her promise to treat all five children equally with his es...
by stevethefundguy
Wed Apr 24, 2013 2:06 pm
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 325
Views: 54910

Re: Frontline--The Retirement Gamble

Yes, a few good points on fees, but almost entirely ignored the new disclosure requirements. [Political comment removed by admin LadyGeek] Many sad stories of people who lost money in the financial crisis; one couple shown saying it would take over 10 years to grow that money back. Program never sta...
by stevethefundguy
Mon Jan 21, 2013 11:28 pm
Forum: Personal Investments
Topic: VG high yield tax exempt vs. USAA VA bond fund
Replies: 13
Views: 1129

Re: VG high yield tax exempt vs. USAA VA bond fund

The T. Rowe Price VA tax-exempt bond fund (PRVAX) has an expense ratio of .48 and a yieldof 3.47%, per Morningstar. It's another fund to consider.
by stevethefundguy
Tue Oct 16, 2012 8:52 pm
Forum: Investing - Theory, News & General
Topic: iShares Lowers Expense Ratios -- unless you own EEM or EFA
Replies: 19
Views: 3051

Re: iShares Lowers Expense Ratios -- unless you own EEM or E

Over 8 years in EEM and now, due to a sizeable capital gains in taxable account, I'm screwed, along with other long-term EEM investors. Shame on Blackrock. If it weren't for the taxable gains, I'd liquidate all my iShares holdings and I wouldn't reinvest them in the new "core" funds, eithe...
by stevethefundguy
Sat Oct 13, 2012 2:05 pm
Forum: Investing - Theory, News & General
Topic: International REIT / Real Estate Fund - Do you invest in it?
Replies: 31
Views: 4014

Re: International REIT / Real Estate Fund - Do you invest in

I've held the Wisdom Tree Int'l REIt ETF (DRW) for several years. In 2012, it's up over 27% -- it's my best performing ETF or mutal fund. Unfortunately, it fell nearly 70% -- more than VNQ (Vanguard U.S. Reit ETF) -- during the '09 freefall, and it is still underwater by some 16%, while VNQ is back ...
by stevethefundguy
Fri Aug 17, 2012 2:49 am
Forum: Investing - Theory, News & General
Topic: What are good funds to tilt to international small value?
Replies: 24
Views: 5842

Re: What are good funds to tilt to international small value

Wisdom Tree's DLS is a popular International Small cap Dividend ETF that fits into the small-to-midcap value box. Several Boglehead authors recommend it for that purpose.
by stevethefundguy
Fri Aug 03, 2012 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Administration Compliance Question (TrueUp)
Replies: 1
Views: 2312

Re: 401k Administration Compliance Question (TrueUp)

This seems like a compliance question better suited for other HR benefits managers to answer. If no one else jumps in, you might want to post it at the discussion board at BenefitsLink.com -- http://benefitslink.com/boards / (quick, free registration). I sometimes read their threads on employee bene...
by stevethefundguy
Sun Aug 28, 2011 4:41 pm
Forum: Personal Consumer Issues
Topic: Has anyone ever quit their job without a job to go to?
Replies: 38
Views: 4909

I left a job due to a truly nasty, vile boss -- felt sick to my stomach every morning knowing I'd have to face him and he'd start in on my again. I gave one month's notice thinking I'd surely land a new job by then -- I didn't, and was out of work for over 6 months. Thinking back, I wish I had spoke...
by stevethefundguy
Sun Aug 21, 2011 2:14 pm
Forum: Investing - Theory, News & General
Topic: S&P report criticizes "barbell" approach
Replies: 47
Views: 5944

richard wrote: Diversification is a good thing. Why avoid a sizable portion of the market? Especially if you're basing your decision on the hope that a limited amount of past data (how many independent 25 year periods do we have) is an effective way to predict the future. Certainly a good point, an...
by stevethefundguy
Sun Aug 21, 2011 10:36 am
Forum: Investing - Theory, News & General
Topic: S&P report criticizes "barbell" approach
Replies: 47
Views: 5944

S&P report criticizes "barbell" approach

Sorry for url pasting error. William Bernstien's comments on why he is not partial to midcaps is now corrected in orginal post.
by stevethefundguy
Sun Aug 21, 2011 10:20 am
Forum: Investing - Theory, News & General
Topic: S&P report criticizes "barbell" approach
Replies: 47
Views: 5944

S&P report criticizes "barbell" approach

An August 2011 S&P report makes the case for midcaps and against the "barbell" approach: Since mid-cap exposure is distinct, it cannot be replicated with a "barbell" or some portfolio combination of large-caps and small-caps. . . . A portfolio combination of large- and small-...
by stevethefundguy
Mon Jun 06, 2011 8:51 pm
Forum: Personal Consumer Issues
Topic: Marshall Matt Dillon died today
Replies: 38
Views: 4225

4. What actor besides James Arness, played a same character role for 20 consecutive years? I think the question is meant to be about a non-Gunsmoke character (hence, not Doc or anyone else who worked with James Arness throughout the run of the show). In which case, the answer is Kelsey Grammer as D...
by stevethefundguy
Thu May 05, 2011 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Books with a direct impact on your life?
Replies: 103
Views: 15932

Psyche and Symbol, Carl Jung
Interpretation of Cultures, Clifford Geertz
At the Edge of History, William Irwin Thompson
by stevethefundguy
Fri Apr 15, 2011 2:05 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree changes 9 Funds
Replies: 2
Views: 885

WisdomTree changes 9 Funds

These all seem like reasonable changes. For years, I felt (and told WT) that most investors have no clue about the difference between their "dividend" funds and their "equity income" funds. Case in point was WisdomTree Pacific ex-Japan Total Dividend Fund (DND) and WisdomTree Pac...
by stevethefundguy
Thu Jan 13, 2011 11:03 pm
Forum: Personal Investments
Topic: An uncomfortable day at work. . .
Replies: 49
Views: 8859

For the past three years I've served on the investment committee of my mid-sized company's retirement plan (we have 401(k) and defined benefit pension). Uggg. Our CFO is convinced that actively managed funds outperform despite their higher expense ratios, because that's what our Fidelty reps keep te...
by stevethefundguy
Sat Dec 04, 2010 11:57 am
Forum: Personal Investments
Topic: Do you max out your 401k at the beginning of the year?
Replies: 55
Views: 9885

We have to use % of salary in our contribution election form. Last year I didn't realize we could use decimal percents, so I ended up contributing 16,200 over the year. This year I'll be contributing 16,493.xx. It's hard getting the decimals to work out just right . I used to do this too, trying to...
by stevethefundguy
Sun Oct 03, 2010 2:04 pm
Forum: Personal Consumer Issues
Topic: Best Daily Newspaper for National (US) News
Replies: 68
Views: 9651

Nick wrote:
New York Times - 104 Pulitzers and counting....

yobria wrote:
And don't forget one Jayson Blair!


And Walter Duranty.
by stevethefundguy
Sat Oct 02, 2010 1:51 pm
Forum: Investing - Theory, News & General
Topic: SS return as if it were an investment?
Replies: 26
Views: 3215

Social Security is a first-line defence against another depression. Every month, the checks go out to the seniors/disabled. Most of that money is promptly spent, thus "priming the pump" and stimulating the economy. OK, but if the government didn't collect those funds from indivdiuals and ...
by stevethefundguy
Mon Sep 13, 2010 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: HSA/ HDHP/ COBRA
Replies: 5
Views: 1354

It's my understanding that once you are no longer eligible for a high-deductible health plan that meets HSA specifications, then you can no longer contribute to an HSA. But any money you previously contributed to an HSA (during the time you had an eligible HDHP) is fine to leave in the HSA and let i...
by stevethefundguy
Tue Jul 20, 2010 10:20 pm
Forum: Personal Investments
Topic: 401(k) Fee Disclosure Rules
Replies: 8
Views: 1754

One caveat: The rule covers "service provider fee disclosures to plan sponsors," i.e., employers. So it helps employers find out what the financial firm administering the plan is actually charging (amazingly, many don't know). What it doesn't do is require that employers pass this fee info...
by stevethefundguy
Mon May 03, 2010 2:39 pm
Forum: Investing - Theory, News & General
Topic: What are the best 401k providers for small companies?
Replies: 36
Views: 22303

Maybe your company pays the fee. If so, it would be interesting to know what it is. The reason I am asking is because I have questioned the administrators of my wife's plan about the overall fees and they are being very defensive. It would be good to know what a non-insurance company (she is with N...
by stevethefundguy
Sun May 02, 2010 4:35 pm
Forum: Investing - Theory, News & General
Topic: What are the best 401k providers for small companies?
Replies: 36
Views: 22303

What about administration fees? The Fidelity site says that they charge administration fees. From what HR has told me, if there is a distinct recordkeeping/administrataive fee it is not charged to participants out of plan assets. It appears that recordkeeping/admin fees are subject to negotiation w...
by stevethefundguy
Sun May 02, 2010 8:10 am
Forum: Investing - Theory, News & General
Topic: What are the best 401k providers for small companies?
Replies: 36
Views: 22303

My smallish company (300 employees) uses Fidelity, and HR tells me that Fidelity charges no plan fees other than what it earns from the annual expense ratios of its funds. The plan used to only offer one stock index fund, the Fidelity Spartan S&P 500 (FUSEX, er = .10). I lobbied and got added th...
by stevethefundguy
Sun May 02, 2010 8:10 am
Forum: Investing - Theory, News & General
Topic: What are the best 401k providers for small companies?
Replies: 36
Views: 22303

My smallish company (300 employees) uses Fidelity, and HR tells me that Fidelity charges no plan fees other than what it earns from the annual expense ratios of its funds. The plan used to only offer one stock index fund, the Fidelity Spartan S&P 500 (FUSEX, er = .10). I lobbied and got added th...
by stevethefundguy
Thu Feb 14, 2008 2:52 pm
Forum: Investing - Theory, News & General
Topic: IWC vs BRSIX
Replies: 25
Views: 9697

...his Quant shop donates 50% of their company profits to charity. So there's an intangible 'feel-good' aspect to it if it means anything to you. Maybe they should lower their ER and pass more of their profits onto fundholders, who could then decide how profits made from their investment ought best...
by stevethefundguy
Mon Jul 16, 2007 1:51 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree Dividend vs. High-Yielding Equity indices?
Replies: 6
Views: 2312

WT's divvy vs. HY: Too Much Confusion

I am convinced that the retail ETF buyer (and probably many advisors as well) do not fully get the distinction between WT's "Dividend" and "High-Yield" fund versions. To look over the display of available WT ETFs is to see a (for most investors) hard to conceptualize choice betwe...
by stevethefundguy
Wed Jun 13, 2007 12:55 pm
Forum: Investing - Theory, News & General
Topic: Your worst investing mistake
Replies: 145
Views: 37436

As a young know-nothing, letting a Dreyfus Fund rep talk me into putting my IRA into an annuity (for tax advantages!!!). Paying those high Dreyfus annuity fees and fund fees, and then, when Roth IRAs came along, paying another big fee to get my IRA out so I could convert it to Roth (plus, Dreyfus pu...
by stevethefundguy
Sat Jun 02, 2007 10:31 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer: How to front-run the Russell 2000
Replies: 14
Views: 6969

Russell Reconstitution

As I prefer rule-based to committee-based (i.e., semi-actively managed) indexes, I prefer Russell index funds to S&P, and believe their performance over time has justified my faith. I own Russell Microcap (IWC), small/mid-cap 2000 value (IWN) and large cap 1000 value (IWD), so for the most part ...