Search found 1264 matches

by feh
Tue Nov 20, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Documenting High-Deductible Health Plan (HDHP) for IRS
Replies: 9
Views: 878

Re: Documenting High-Deductible Health Plan (HDHP) for IRS

I'm just starting an HSA in 2019, so excuse my ignorance, but shouldn't you be contributing through your wife's payroll? Don't you save on Social Security and Medicare deductions that way? No. FICA comes off the top. Payroll contributions to an HSA reduce your SS and Medicare wages. You're absolute...
by feh
Tue Nov 20, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Documenting High-Deductible Health Plan (HDHP) for IRS
Replies: 9
Views: 878

Re: Documenting High-Deductible Health Plan (HDHP) for IRS

Tdubs wrote:
Mon Nov 19, 2018 8:56 pm
I'm just starting an HSA in 2019, so excuse my ignorance, but shouldn't you be contributing through your wife's payroll? Don't you save on Social Security and Medicare deductions that way?
No. FICA comes off the top.
by feh
Fri Nov 16, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: total US bond fund for Fidelity account holders
Replies: 6
Views: 625

Re: total US bond fund for Fidelity account holders

I think I was confusing FSITX with Fidelity's total ex-US equities fund, which has actually underperformed the index.
by feh
Fri Nov 16, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: total US bond fund for Fidelity account holders
Replies: 6
Views: 625

Re: total US bond fund for Fidelity account holders

PFInterest wrote:
Fri Nov 16, 2018 9:20 am
why do you want/need something else? what are you looking for?
I vaguely remember seeing threads that FXNAX/FSITX has underperformed. If I have that wrong, please let me know.
by feh
Fri Nov 16, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: total US bond fund for Fidelity account holders
Replies: 6
Views: 625

total US bond fund for Fidelity account holders

Hello folks. I have some funds I need to invest in US total bond, in an account held at Fidelity. I've always used FSITX (recently converted to FXNAX) for this, but I'm considering using something else now. What IShare funds (free purchase at Fidelity) would people suggest? IUSB? AGG? Something else...
by feh
Wed Nov 14, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: rule of thumb for using HSA funds?
Replies: 40
Views: 3262

Re: rule of thumb for using HSA funds?

Next year, I plan to close out/pay for 2010 and 2011 qualified medical expenses and begin paying out current health insurance and Medicare premiums as they are incurred from our HSAs. Could somebody please confirm - insurance premiums (ie. for an ACA policy once retired) can be paid w/ HSA monies, ...
by feh
Wed Nov 14, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: rule of thumb for using HSA funds?
Replies: 40
Views: 3262

Re: rule of thumb for using HSA funds?

Thanks for all the replies folks. I think I'm starting to understand the pros & cons. I'm getting the sense that for a variety of reasons, it would make sense to not spend HSA funds in my situation (early 50s, earning a paycheck, maxing out retirement accounts). Once I'm fully retired (which will pr...
by feh
Tue Nov 13, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: rule of thumb for using HSA funds?
Replies: 40
Views: 3262

Re: rule of thumb for using HSA funds?

Follow-up question - at some point, the HSA funds should be spent for medical expenses. If they aren't used for current expenses, how do you determine when they should be used?
by feh
Tue Nov 13, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: rule of thumb for using HSA funds?
Replies: 40
Views: 3262

Re: rule of thumb for using HSA funds?

FWIW - all other retirement vehicles (401Ks and Roth IRAs) are being maxed out. The HSA contribution max is also being met. So, in a nutshell, it sounds like it's a question of trading the hassle of book-keeping vs long term investment gains in the HSA. How big of a hassle is it to retroactively app...
by feh
Tue Nov 13, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: rule of thumb for using HSA funds?
Replies: 40
Views: 3262

rule of thumb for using HSA funds?

Let's say you have $5000 in your HSA, and you have a medical expense of $4000. You also have funds available to pay that bill from savings.

Under what circumstances would it make sense to take the money from savings instead of the HSA?
by feh
Tue Nov 13, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA.com now has 2018 Return available.
Replies: 32
Views: 3326

Re: FreeTaxUSA.com now has 2018 Return available.

Does anybody with a K-1 use FreeTaxUSA? My LLC membership is the one aspect of our return that is uncommon.
by feh
Tue Nov 13, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Wanting to move my family but where to begin?
Replies: 21
Views: 2389

Re: Wanting to move my family but where to begin?

Madison/Dane County is a great area to raise a family.

I cannot compare the job market or cost of living to Indiana, though.
by feh
Tue Nov 13, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Feeling uneasy about recent splurge
Replies: 40
Views: 3959

Re: Feeling uneasy about recent splurge

Not directly related to the OPs question...our current inner spring mattress is about 15 years old, and I also occasionally have trouble sleeping. Given how much time we spend in bed, I wanted to try another mattress. The great thing about the newer memory foam mattresses (Tuft & Needle, Purple, Lee...
by feh
Thu Nov 08, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: Good explanation of how bond funds don't get crushed in rising rate environment
Replies: 64
Views: 6200

Re: Good explanation of how bond funds don't get crushed in rising rate environment

I own 2 "total bond" funds, both currently down about 2.5% for the year (nominal).

Looks like this is gonna be one of those rare years...
by feh
Thu Nov 08, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: Would you still jump if you were ready, then the market dropped 50%??
Replies: 40
Views: 4633

Re: Would you still jump if you were ready, then the market dropped 50%??

The math says it shouldn't matter to us.

Would I still jump? Probably not, but only because my employer makes it easy for me to work part time, which I would do until the dust cleared.
by feh
Sun Nov 04, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Rewards - Do you move the cash out of Fido?
Replies: 47
Views: 3455

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

linenfort wrote:
Fri Nov 02, 2018 4:21 pm
What do you guys do with the cash? Invest it in a Fidelity fund?
I transfer it to our Ally savings account.
by feh
Thu Nov 01, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 134
Views: 10292

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

After carefully reading all of the 6 portfolios. I came up with this for my Traditional IRA (old 401K rollover): ITOT (48%) VXUS (24%) PSCH (20%) FAHDX (8%) I really don't want to deviate from Rick's excellent choices but wanted to try eliminating REIT and added FAHDX for the bond. Any thoughts? Pl...
by feh
Thu Nov 01, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 86
Views: 7644

Re: I bond new rate posted - 2.83%

aristotelian wrote:
Thu Nov 01, 2018 9:38 am
Dang, wish I had waited to buy.
You can buy more in January.
by feh
Thu Nov 01, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 86
Views: 7644

Re: I Bond fixed rate = 0.5%

I'll be buying before May. Already purchased 2018 limit.
by feh
Tue Oct 30, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: E911 Service
Replies: 20
Views: 1030

Re: E911 Service

I use bulkvs.com
by feh
Fri Oct 26, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: TLH - first in, first out?
Replies: 1
Views: 235

TLH - first in, first out?

Hello folks. I'm considering doing a little tax loss harvesting. Sometime in the last year, I remember there was talk of changing the tax code so that when shares are sold, lots could not be chosen, but rather the shares held the longest time would be the ones sold (for tax purposes). Just want to m...
by feh
Thu Oct 25, 2018 1:36 pm
Forum: Investing - Theory, News & General
Topic: How do you define how/when you make or lose money?
Replies: 17
Views: 1399

Re: How do you define how/when you make or lose money?

Smoke wrote:
Thu Oct 25, 2018 12:10 am
When you sell.
And don't buy back in. Made money or Lost money.
+1
by feh
Tue Oct 23, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5654

Re: Cross-country trip via Amtrak

Spent 24 hours on Amtrak summer of 2017. Sleeper is a must.

It was fun, since I hadn't done it before. However, the novelty wears off. Going across the entire country may be tedious.

If you choose to do this, I suggest flying back home.
by feh
Tue Oct 23, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 32
Views: 2689

Re: Do I need laptop software?

AllMostThere wrote:
Sun Oct 21, 2018 7:45 pm
Look at LibreOffice. It's a totally free suite of office products that IMO mirror MS Office with same functionality. I've been using it of years without issue. Go to https://www.libreoffice.org/
+1

For both windows and linux.
by feh
Tue Oct 16, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest maturing CDs
Replies: 9
Views: 871

Re: How to invest maturing CDs

If the money is long term, I suggest total bond.
by feh
Tue Oct 16, 2018 8:12 am
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10579

Re: Short Term Bond yield over 3%

I was in my accounts today and noticed that the SEC yield on the Vanguard Short Term Bond Fund (Admiral: VBIRX) is 3.01% :happy This is the fund where I am holding our living expenses for the first next two years of retirement (out years are in intermediate term). Last 12 month inflation was 2.7%. ...
by feh
Mon Oct 15, 2018 9:06 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10579

Re: Short Term Bond yield over 3%

I was in my accounts today and noticed that the SEC yield on the Vanguard Short Term Bond Fund (Admiral: VBIRX) is 3.01% :happy This is the fund where I am holding our living expenses for the first next two years of retirement (out years are in intermediate term). Last 12 month inflation was 2.7%. ...
by feh
Mon Oct 15, 2018 8:19 am
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10579

Re: Short Term Bond yield over 3%

peterinjapan wrote:
Sun Oct 14, 2018 11:12 pm
I know CD ladders can be unpopular here, but I am amazed at the current numbers. 3% for the 2 year through Fidelity!

https://fixedincome.fidelity.com/ftgw/f ... -new-issue
I've been considering the Fido bond ladder myself the last few weeks. I think it's a solid option.
by feh
Sun Oct 14, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 5891

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

davidkw wrote:
Fri Oct 12, 2018 1:31 pm
You will get calls from the Fidelity reps to sell you other items.
Been a Fido customer for 5+ years and have never received such a call. Have met with my Fido rep twice in those 5 years, and never received a sales pitch.
by feh
Fri Oct 12, 2018 5:24 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10579

Re: Short Term Bond yield over 3%

Which makes me wonder. If you wanted to pay next years bills would you put you money in Money Market, or short term bond fund. I tried this experiment, YTD MM is ahead of short term bond fund. Next year might be different. When I buy short term bond funds, I plan on holding them for at least the av...
by feh
Fri Oct 12, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10579

Re: Short Term Bond yield over 3%

dknightd wrote:
Fri Oct 12, 2018 4:52 pm
Are short term bonds really paying 3% ? I assume that is for individual bonds, not a bond fund
Yes, they are. Look at M* for yourself.
by feh
Fri Oct 12, 2018 8:22 am
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 38
Views: 3604

Re: anybody sell I Bonds to buy something else?

I think that there is a good chance that I will sell some/all to buy college educations for my kids over the course of the next few years. Just FYI - the interest is no longer tax free when used for education. Source? I was not aware that the Exclusion of Interest From Series EE and I U.S. Savings ...
by feh
Fri Oct 12, 2018 8:02 am
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 38
Views: 3604

Re: anybody sell I Bonds to buy something else?

Mursili wrote:
Thu Oct 11, 2018 9:56 pm
I think that there is a good chance that I will sell some/all to buy college educations for my kids over the course of the next few years.
Just FYI - the interest is no longer tax free when used for education.
by feh
Thu Oct 11, 2018 4:21 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10579

Re: Short Term Bond yield over 3%

DartThrower wrote:
Thu Oct 11, 2018 3:51 pm
In addition I know that I will be holding onto the fund long enough for the higher yield to benefit me.
+1

If you're holding onto the funds for 2-3+ years, there's no reason to be concerned about short term fluctuations in the NAV.
by feh
Thu Oct 11, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 38
Views: 3604

Re: anybody sell I Bonds to buy something else?

That is true. Taxes due in year of maturity. If one wants to smooth out the tax hit from bonds maturing in 2019, one has to start redeeming before the end of 2018. And pay attention to the accrual dates on the EE Bonds. I believe they only accrue interest semi-annually as opposed to I Bonds which a...
by feh
Wed Oct 10, 2018 11:54 am
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 38
Views: 3604

Re: anybody sell I Bonds to buy something else?

You don't buy I Bonds for their earnings. You buy them for protection from inflation. Victoria I think you buy them for both reasons. Unfortunately, you can't buy enough of them (at least I can't) to adequately protect our portfolio from inflation, due to the annual limits. For that reason, we also...
by feh
Wed Oct 10, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 38
Views: 3604

anybody sell I Bonds to buy something else?

Hi folks. For the last few years, I've been buying my annual limit of I Bonds. I consider them a 2nd tier emergency fund; don't plan on really selling them unless absolutely necessary. I'm rethinking that approach, given the recent increases in interest rates. I could use those funds and very likely...
by feh
Tue Oct 09, 2018 9:32 pm
Forum: Investing - Theory, News & General
Topic: Child is HS senior: Should college fund have any equities?
Replies: 28
Views: 2328

Re: Child is HS senior: Should college fund have any equities?

The reason why private vs. public school is a consideration is because I have enough to fund public school right now with low risk assets, but if my child goes to private school I don't have nearly enough in the low risk funds. I won't know whether she goes to public or private school until March, ...
by feh
Tue Oct 09, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: Child is HS senior: Should college fund have any equities?
Replies: 28
Views: 2328

Re: Child is HS senior: Should college fund have any equities?

In my college fund, I've got enough in Vanguard Total Bond and Prime MM to send my child to a state university for 4 years. Fortunately (or unfortunately?), she may gain entry into a top private college at 2.5 times the cost. With college only a year away, should I be selling equities in the colleg...
by feh
Tue Oct 09, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10579

Re: Short Term Bond yield over 3%

Which is why I'll be putting most of the proceeds from my recently matured NWFCU CD into VFSUX instead of another CD.
by feh
Tue Sep 25, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 6112

Re: Oil change interval for low-mileage vehicles

TxAg wrote:
Tue Sep 25, 2018 2:04 am
I've asked mechanics the same question and was told once per year. It has worked well for me.
+1, for this specific situation.
by feh
Tue Sep 25, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 7510

Re: Fed up with health insurance situation

Thread locking in 3...2... Without getting into politics, I will say that I checked my year end pay stub last year and noticed a line for my employer health coverage contribution. We only pay $100/mo fornour HSA because the employer is picking up something like $15K. If your company can't shoulder ...
by feh
Thu Sep 20, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8831

Re: Physical Banking - Any benefits anymore?

The only time I set foot in my local credit union these days is for the occasional cashier's check.
by feh
Wed Sep 19, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: anybody use Fidelity CD ladders?
Replies: 4
Views: 969

anybody use Fidelity CD ladders?

Hello folks. We keep a portion of our portfolio in short-term investments (I Bonds, CDs, short term bond funds). Like many others, we have a NWFCU (3%) CD maturing next month, and I need to reinvest those proceeds. Short term bond funds (VFSUX) look pretty appealing right now, but let's assume I wan...
by feh
Sun Sep 09, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 361
Views: 38665

Re: Northwest FCU 3-year 3.04% Add-On CD

I used their private messaging service a couple weeks ago to let them know I wanted the proceeds deposited in the savings account upon maturity. They responded promptly with confirmation.
by feh
Wed Sep 05, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: 100% Bonds to boost returns?
Replies: 61
Views: 6596

Re: 100% Bonds to boost returns?

Jebediah wrote:
Mon Sep 03, 2018 8:55 pm
Given that stocks are riskier, it seems only logical to be 100% bonds at this time. Maybe a splash of equities for diversification sake, but no more than a 'splash' (as Bogle likes to say).
Go ahead and do it. Please come back in 10 years and let us know if you regret it or not.
by feh
Tue Aug 14, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: TLH partner for IXUS
Replies: 5
Views: 574

Re: TLH partner for IXUS

I have Fedility Taxable Brokerage Account in which I bought IXUS last year. I see losses on the principal and also all dividend-reinvested units on it. I am planning to see if I can do TLH and what could be a better partner for it. Would IEFA (iShares Core MSCI EAFE ETF) a better partner to which I...
by feh
Thu Aug 09, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Ask for extension or turn down job offer?
Replies: 22
Views: 1501

Re: Ask for extension or turn down job offer?

This is a very personal decision.

I would recommend he take the offer. Going into senior year without having to look for a job is a wonderful position to be in. He can always look for better opportunities after he gets some real-world experience.
by feh
Thu Jul 26, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Moral dilemma - What would you do?
Replies: 54
Views: 5925

Re: Moral dilemma - What would you do?

I don't see this as an issue. Companies sell things to individuals ALL of the time that are not "wins" for both sides. Extended warranties, service plans, bundled services, etc. If they customer thinks it is a good deal, following their own diligence, then who cares. If they don't do their diligenc...
by feh
Tue Jul 17, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 7432

Re: Families - What's your total annual credit card spend?

$20-25K per year, family of 3.

I'm shocked at how much money people posting in this thread spend per year.