Search found 53 matches

by cafranci
Fri Nov 03, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 53
Views: 5229

Re: Alliant Credit Union no longer offering HSA's as of 11/9

I linked my regular TD Ameritrade brokerage and the one from my HSA Bank account and had no trouble. I can view both of them easily and go back and forth with no difficulty. I am really irritated at the commission-free ETF changes, but there are perfectly reasonable total stock and total bond option...
by cafranci
Thu May 02, 2013 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank Fees
Replies: 12
Views: 4426

Re: HSA Bank Fees

I bet you got hit with the $3 fee for the first month since you started with less than $5K and that the fee in the first month reduced your balance below $5K for the remaining months. The only month I got his with the $3 investment fee was the last month I had a balance under $5K on one day during ...
by cafranci
Sun Mar 10, 2013 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Mathematicians or statisticians here? Seeking your advice
Replies: 70
Views: 8438

Re: Mathematicians or statisticians here? Seeking your advic

I think it's just harder to do that in the world of maths and pure science. And good teaching jobs are hard to come by-- tenure track academic jobs. That reminds me. I have a friend who was on the search committee for an assistant professor opening in mathematics. The one opening received over 150 ...
by cafranci
Sun Feb 24, 2013 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: Question for those with HSA Bank / TD Ameritrade account
Replies: 7
Views: 1428

Re: Question for those with HSA Bank / TD Ameritrade account

You would have two separate accounts at TD Ameritrade, because you cannot commingle the funds. (Similarly, if you have a taxable account and an IRA at the same brokerage, you have two separate accounts.) Thanks. I figured as much. What I meant is (sorry for not being clear) - will I need to log in ...
by cafranci
Tue Aug 14, 2012 11:14 am
Forum: Investing - Help with Personal Investments
Topic: HSA Strategy Question
Replies: 20
Views: 2435

Re: HSA Strategy Question

mholdi1540 wrote:Yes to all of the above and YES you can transfer all $$ from your employer's HSA to another HSA using IRS form 5498-sa.

I don't think you need to report a transfer from one custodian to another on 5498-sa.
by cafranci
Mon Jun 25, 2012 12:26 pm
Forum: Investing - Theory, News & General
Topic: What has been the least risky allocation for retirees?
Replies: 48
Views: 4400

Re: What has been the riskiest allocation for retirees?

Don't know if you can edit, but the thread title says "riskiest," and the question listed says "least risky," which will likely cause confusion.
by cafranci
Tue Apr 24, 2012 8:21 pm
Forum: Personal Consumer Issues
Topic: Best Finance Magazines?
Replies: 20
Views: 2883

Re: Best Finance Magazines?

I don't think Delta miles expire: http://www.delta.com/skymiles/about_skymiles/membership_guide_program/skymiles_rules/index.jsp Account Deletion and Mileage Expiration Under the SkyMiles Mileage Expiration policy, miles do not expire. Delta reserves the right to de-activate or close an account unde...
by cafranci
Mon Feb 20, 2012 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Confirm Health Spending Account (HSA) rules post-retirement
Replies: 4
Views: 600

Re: Confirm Health Spending Account (HSA) rules post-retirem

See Question 39 here, which confirms what the wiki asserts.
by cafranci
Tue Jan 10, 2012 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Taking a 529 state tax deduction in a non-resident state
Replies: 15
Views: 2897

Re: Taking a 529 state tax deduction in a non-resident state

We live in Oklahoma, where you must enroll in the state's plan to receive the state tax deduction. While an extra 5.25% would be nice, the high fees (roughly 0.5% higher than the low cost alternatives) would eat up that tax deduction. I don't think it's quite that bad. They lowered fees last year, ...
by cafranci
Thu Jan 05, 2012 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Vanguard 529 Plan AA
Replies: 2
Views: 334

Re: Question on Vanguard 529 Plan AA

Click on your link, and then click on Program Description at the bottom of that page, which explains the portfolios.
by cafranci
Sun Sep 11, 2011 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Yet Another I-Bond Thread
Replies: 26
Views: 3886

Interest is earned from the first even if you buy on the last day of the month. On the other end, interest is only credited after the month is over. If your rules applied, you could buy on August 31 and redeem the same day and get a full month's interest (ignoring the no redemption for one year and...
by cafranci
Sun Sep 11, 2011 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Yet Another I-Bond Thread
Replies: 26
Views: 3886

After three months have passed, you'll see the first month's interest posted, and the next month you'll see the second month's interest posted, etc. It's always the last three month's interest that is withheld until you hit the five-year mark, and then you see a nice spurt since they add all the wi...
by cafranci
Sun Sep 04, 2011 4:13 pm
Forum: Personal Consumer Issues
Topic: PhD Student Request for Help
Replies: 20
Views: 2869

There may be some issue with the sweepstakes part of it. I took the survey and gave my contact information, but I got an error that said something about "Oops, couldn't find your incentive."
by cafranci
Sat Aug 20, 2011 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: HSA - Paying out of pocket and then reimbursing self?
Replies: 12
Views: 12099

Also, thank you to those of you who mentioned that you can reimburse yourself much later (and not just in the same year). I was not aware of this and will look into if it makes sense for us. This comes up from time to time on the board, so I finally bookmarked the IRS guidance on this question for ...
by cafranci
Fri Jul 22, 2011 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Vehicles
Replies: 8
Views: 1373

Re: Emergency Fund Vehicles

I keep about $15K in an emergency fund broken out in a cd ladder of 6 $2500 cds. This years CD just matured and, with interest rates being what they are, I'm hesitant to lock in to anything long term but I want to make better return than a money market fund while preserving principal. Any suggestio...
by cafranci
Fri Jul 15, 2011 3:33 pm
Forum: Personal Consumer Issues
Topic: World Cup Finals - US Womens Team Versus Japan
Replies: 49
Views: 4496

Re: Thanks

I'd also like to add that the commentators (Ian Darke and Julie Foudy) did a great job on this game and all the games. Ian: "Can you believe this?!" Julie: "I can believe it!" I love Ian Darke, but it was getting really annoying that first Foudy and then both Darke and Foudy cou...
by cafranci
Thu Jul 14, 2011 9:32 pm
Forum: Personal Consumer Issues
Topic: World Cup Finals - US Womens Team Versus Japan
Replies: 49
Views: 4496

Love watching our women's team. We seem to be falling behind the rest of the world's best technically these days, really struggling to keep possession at midfield. It's much different from watching the '99 team in the years before other nations started to catch up. But the perseverance has been grea...
by cafranci
Thu Jun 30, 2011 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Question regarding HSAs
Replies: 23
Views: 1932

Re: Question regarding HSAs

1. "Proper" and "legal" mean two different things. IMO, it may be legal (after quick review of IRS Pub 969) but i don't think that is how or why HSAs were setup so you can pay for qualified expenses that are many years old. it will require impeccable record keeping on your part ...
by cafranci
Thu Jun 09, 2011 9:09 pm
Forum: Personal Consumer Issues
Topic: How many hours@day safe to drive rental truck cross-country?
Replies: 36
Views: 5907

Re: How many hours@day safe to drive rental truck cross-coun

I drove a 16-foot Penske truck from NY to MO in 2004 with my wife driving our car behind. (We'd reserved a 12-foot truck, but they only had 16-foot trucks available; be ready for this because it happens frequently.) Our truck easily did 65-70 mph on the interstate. The engine was good, and the ride ...
by cafranci
Thu Jun 09, 2011 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds Not worth it for me?
Replies: 49
Views: 7643

It's absolutely fair, especially for a one-year period. The current rate for I bonds is 4.6%. That could go down to 0% for the next six months. Thus the minimum rate for a one-year period is roughly 2.3% (the penalty for early withdrawal after one year would be zero if we assume the worst, that the ...
by cafranci
Wed Jun 01, 2011 7:47 am
Forum: Investing - Theory, News & General
Topic: Poll: Did you buy I-Bonds in May 2011?
Replies: 88
Views: 8175

If this is the case, why is everyone rushing to buy i-Bonds in May and not in Oct? I distinctly remember reading that the current 4%+ rate will only last till November, so if you purchase it in Oct you will only get 1mth at 4%+. Is this information incorrect? If you purchase in October, you get six...
by cafranci
Sat May 28, 2011 1:11 pm
Forum: Personal Consumer Issues
Topic: Dorm, home, or apartment for new student?
Replies: 25
Views: 2037

Would recommend the dorm experience for the first year. There's a lot learned during the college experience that is not from the classroom. The mental hurdle of driving out from home to mingle friends is pretty steep compared to walking down the hall. Agreed. A big part of the freshman experience, ...
by cafranci
Thu May 26, 2011 3:12 pm
Forum: Personal Consumer Issues
Topic: Best 4 Firefox Add-ons
Replies: 53
Views: 7712

Price-Blink immediately scans the web for alternative (cheaper) prices for most online purchases being considered or researched...then gives you a complete list of alternative sources and prices in a drop down tab...a dandy and cost savings tool for any online shopper... PS just installed NoScript ...
by cafranci
Sat May 21, 2011 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: HSA catch-up limits
Replies: 8
Views: 1228

That's what I thought but their "expert" said it didn't matter if we had two accounts. I have read that publication over a few times and I couldn't find any mention of the required separate HD policies instead of the family. CAn I put the whole contribution in at one time before the end o...
by cafranci
Wed May 18, 2011 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Understanding the interest rate for I bonds
Replies: 17
Views: 2058

So are you all saying you can sell them six months later with a guaranteed (about) 2.3% gain (4.6% annualized). Is it as simple as that? I thought either you had to hold them much longer, or else pay a penalty. You can't redeem within the first year. Between one and five years, you lose three month...
by cafranci
Mon May 16, 2011 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone know if you can send Quarterly IRS
Replies: 10
Views: 1490

Be sure to register a few weeks ahead of time because they snail mail you the password and it took a couple of weeks for me. I signed up a few weeks ago and am going to try it for the June 15 deadline, but I'll try it a day early in case there are any issues. I want to see the money clear! You may ...
by cafranci
Tue May 10, 2011 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Plan Question
Replies: 4
Views: 1183

Bruce: Thank you for the guidance. Sounds like I have some studying to do before proceeding on this. Maybe even get an accountant involved. Would you have any idea how to get the "room and board" number that the university must produce? If it matters, the school is Ohio State. Best regard...
by cafranci
Tue May 10, 2011 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: HSA questions
Replies: 10
Views: 1103

Re: HSA questions

Hello! In another thread someone advised fully funding an HSA, before a Roth, and then paying the expenses out of pocket. Then saving the receipts and waiting until retirement to get reimbursed. I assume that this would be good because the money is going into the account pre-tax, everything is grow...
by cafranci
Wed Apr 27, 2011 6:27 pm
Forum: Personal Consumer Issues
Topic: Black Hawks - Canucks
Replies: 37
Views: 3287

Here's some explanation of the situation. It was certainly a shame they had to do it, but I'd trade this roller coaster of a year for having won the Cup last year any day of the week.
by cafranci
Wed Apr 27, 2011 6:04 pm
Forum: Personal Consumer Issues
Topic: Black Hawks - Canucks
Replies: 37
Views: 3287

I wonder how McDonough feels about all the personnel moves he made after winning the Cup now that the Hawks were eliminated in the first round. He saved $ which I imagine is what really matters. But as a fan I can say it was very disappointing. I thought he had to do all that to get under the salar...
by cafranci
Sun Apr 24, 2011 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help with HSABANK account
Replies: 17
Views: 1712

Re: Need Help with HSABANK account

My wife is retired and no longer eligible to add funds. Are you sure? I am retired and I still contribute the max and deduct it too. Are you still covered by a plan that makes you eligible? You can be retired and still have a HDHP that makes you eligible to contribute to an HSA, but probably most r...
by cafranci
Tue Apr 05, 2011 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: State 529 Plans
Replies: 16
Views: 2385

If you're a Missouri resident, you do get a state tax break for using any state's 529 plan. The about.com 529 pages are horribly out of date. They have the same mistake on the Kansas page, and I told them about it a couple months ago. The guy e-mailed me back and said he'd fix it, but he hasn't. I d...
by cafranci
Wed Mar 30, 2011 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Opening a 529 plan before I have kids
Replies: 19
Views: 6834

derek51 wrote:Unless I'm mistaken I think you can open a 529 with yourself as the beneficiary and then change it to your child later.

Yes, you can. I did exactly that.
by cafranci
Sat Mar 26, 2011 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom - what stores for what categories?
Replies: 10
Views: 8935

I've occasionally seen big banners in front of stores announcing that they were Chase Freedom Rewards Zones. I suspect that if a store is participating, they'll have a banner. This is too restrictive a condition. I've gotten credit at many stores without a banner. Generally if there's no ambiguity ...
by cafranci
Sat Mar 19, 2011 3:51 pm
Forum: Personal Consumer Issues
Topic: delivery big screen TV?
Replies: 22
Views: 3055

I got a 46" TV IN THE BOX home in my mom's Scion xA: m Wow! You should have taken a photo of the box IN the car! Thanks everyone. Renting a truck won't be a problem, but I guess even though less weight than a CRT TV, a 42" LCD or plasma TV may be too much for me to move alone. We just had...
by cafranci
Fri Mar 18, 2011 9:56 pm
Forum: Personal Consumer Issues
Topic: FIX PRCJD707 ABEND 20021118
Replies: 19
Views: 3387

I had a statement like this listed in the "Transaction" section of the 2011 contribution summary for my Roth IRA the other day. I went to my 2010 contribution summary and then back to the 2011 page, and it had disappeared.
by cafranci
Fri Mar 18, 2011 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: HSA gotchas?
Replies: 17
Views: 2902

Don't you have to pay a lot more out-of-pocket as compared to HMO/PPO? That was the understanding I had. Did I misunderstand something? For example, for a sick visit to the doctor, we have a $20 co-pay right now (HMO). Would it not be like $100 or so with the HDHP (before meeting the deductible), o...
by cafranci
Tue Mar 08, 2011 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard 529 Plan the best option?
Replies: 10
Views: 4868

Ohio and Utah's plans are lower in cost than Vanguard's Nevada plan last time I checked, and they offer Vanguard funds. The "downside" if it is important to you is that the account statements you receive are not through Vanguard. The expense ratios are almost identical after the Nevada pl...
by cafranci
Mon Mar 07, 2011 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond Market II ER better than Admiral Shares
Replies: 14
Views: 2153

stratton wrote:Just reading the notes TBM II is restricted to funds like the Target Date ones. In another words its a "house" private fund like Fidelity has a bunch individual investors can't put money into.
Right. It's available in 529 plans as well.
by cafranci
Fri Feb 25, 2011 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Dropping to 1 income, can you still Max 401k and Roth?
Replies: 59
Views: 6504

I'm in a very similar position but with a lower income. We're in the 15% tax bracket, and we max out both our Roth IRAs and then contribute what's left over to my 403(b) and to a 529 for our son. I get an employer contribution to the 403(b) regardless of whether I contribute. I prefer doing this bec...
by cafranci
Tue Feb 15, 2011 1:32 pm
Forum: Investing - Theory, News & General
Topic: 403b 15 year catch up provision
Replies: 3
Views: 921

At my university, our HR even notified us of this, although they were a bit vague about the rules. I think they figured everyone who would want to do it would be able to figure out what the conditions were.
by cafranci
Mon Feb 07, 2011 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Any Boglehead Not Invested in an Ally CD?
Replies: 86
Views: 18429

The rules are, as far as I know, Short term CD's = 1099's report interst in the year it's paid Long term CD's = 1099's report interest in the year it's earned, regardless of when it's paid. The dividing line between "short" and "long" is, IIRC, 10 or 11 months. That was roughly ...
by cafranci
Sun Feb 06, 2011 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Any Boglehead Not Invested in an Ally CD?
Replies: 86
Views: 18429

We had a CD with Ally in 2009 which came due in 2010. I called them when we didn't get a 1099 for the 2009 portion of the interest. I was advised that Ally reports the interest when the CD pays out. We received a 1099 for the full amount of the interest for 2010. We've never had that happen with an...
by cafranci
Sun Feb 06, 2011 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Any Boglehead Not Invested in an Ally CD?
Replies: 86
Views: 18429

I don't have an Ally CD, but that's the greatest online customer rep chat I've ever seen. Actually I was thinking the same thing myself. Including the detail that when he said "wait 1-2 minutes" it was... I didn't put a stopwatch on it, but I think he was back in under a minute. Pretty go...
by cafranci
Tue Jan 18, 2011 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: How much does it cost to have a baby?
Replies: 92
Views: 9753

I'm not a big fan of the Walmart wipes. We tried them but didn't like them as much as the Huggies ones. They are cheaper, but I'm willing to pay a little more on wipes and diapers to get what I want. I just don't want to pay more for the identical product. Or it could've been just a confirmation bi...
by cafranci
Tue Jan 18, 2011 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much does it cost to have a baby?
Replies: 92
Views: 9753

I'm not a big fan of the Walmart wipes. We tried them but didn't like them as much as the Huggies ones. They are cheaper, but I'm willing to pay a little more on wipes and diapers to get what I want. I just don't want to pay more for the identical product.
by cafranci
Tue Jan 18, 2011 11:25 am
Forum: Personal Finance (Not Investing)
Topic: How much does it cost to have a baby?
Replies: 92
Views: 9753

We buy wipes from Costco at $0.03 a wipe (box of 900). That's very, very cheap compared to what a box of 100 wipes will run you at BRU (babies r us). I think I've gone through 3 boxes of wipes so far. I buy Pampers Baby Dry, 228 count for around $35 which again is $0.03 a diaper. You'll find you pr...
by cafranci
Tue Jan 18, 2011 11:19 am
Forum: Personal Consumer Issues
Topic: Poll for professors: what's your main job?
Replies: 51
Views: 5522

It seems many professors view their main job as research and publishing rather than as teaching. That's probably because at research institutions, that's the main way faculty are evaluated. Faculty are hired based on their research, not their teaching. Administrators want grant money and prestige, ...
by cafranci
Tue Dec 28, 2010 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Notice 1400: Anyone e-file with Free Fillable Forms?
Replies: 20
Views: 3271

For those that haven't used efile, it would be nice to know from those that have used it, how the system actually works. Can you make copies of things that you've submitted? Are the copies accessible once you click "send"? If you efile, what becomes of the requirement that you must attach...