Search found 7313 matches

by jeffyscott
Tue Dec 18, 2018 3:25 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on long term treasuries
Replies: 4
Views: 262

Re: Thoughts on long term treasuries

I am getting interested in LT treasuries. Here's my rational: If the yield curve continues to invert, the LT treasuries should see an increase in price... Yes, or maybe you'll just be signing up to collect 3% nominal for the next 20-30 years. That's all that's guaranteed. The rest is speculation.
by jeffyscott
Tue Dec 18, 2018 8:44 am
Forum: Investing - Theory, News & General
Topic: What is dividend "growth" investing?
Replies: 18
Views: 1409

Re: What is dividend "growth" investing?

If so, then it seems like "dividend growth " investing doesn't appear to be any different from "dividend investing" ... They are as different as, for example, Vanguard Dividend Growth Fund (VDIGX) is different from Vanguard Equity Income Fund (VEIPX/VEIRX). The biggest variance in performance would...
by jeffyscott
Mon Dec 17, 2018 10:24 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 717
Views: 50680

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

Actually, on Form 1099-SA, the source HSA custodian reports no determination of tax status. Non-qualified distributions, qualified distributions and distributions for rollovers are all reported as Box 3 Code 1 - Normal distributions. Thanks, never paid much attention as only ever had qualified dist...
by jeffyscott
Mon Dec 17, 2018 6:17 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 717
Views: 50680

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

When making a withdrawal from this HSA for medical expenses, there is no need to identify that it is being withdrawn for medical expenses, correct? It appears that I would just click on the "make a withdrawal" link and transfer funds to my checking account. I'm used to my employer HSA, where they h...
by jeffyscott
Mon Dec 17, 2018 5:36 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 717
Views: 50680

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

When making a withdrawal from this HSA for medical expenses, there is no need to identify that it is being withdrawn for medical expenses, correct? It appears that I would just click on the "make a withdrawal" link and transfer funds to my checking account. I'm used to my employer HSA, where they ha...
by jeffyscott
Sat Dec 15, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: ?Admiral share availability in other brokerages?[Yes, after a few weeks they are now appearing at other brokerages.]
Replies: 33
Views: 3316

Re: ?Admiral share availability in other brokerages?[Yes, after a few weeks they are now appearing at other brokerages.]

b0B wrote:
Fri Dec 14, 2018 1:05 pm
At ETrade they are No Transaction Fee whereas Schwab and Merrill Edge charge their usual mutual fund fees.
But in Schwab's case they have their own index funds with lower expenses and lower minimums, at least in the major categories.
by jeffyscott
Fri Dec 14, 2018 6:03 pm
Forum: Investing - Theory, News & General
Topic: ?Admiral share availability in other brokerages?[Yes, after a few weeks they are now appearing at other brokerages.]
Replies: 33
Views: 3316

Re: ?Admiral share availability in other brokerages?[Yes, after a few weeks they are now appearing at other brokerages.]

From another thread Vanguard Admiral shares were available for purchase at Schwab today (VTSAX, VTIAX, VBILX, etc). $3K min. They previously were available for "institutional" customers only, availability now says "open" instead. So maybe it'll be starting elsewhere too. We'll see. It appears that ...
by jeffyscott
Fri Dec 14, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 717
Views: 50680

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

Took my transfer check to local Fidelity branch and was told they can not do deposits to HSA accounts (I was told in online message that I could take a check there to deposit). They are mailing it for me. Hm, I wonder if branches aren't up to speed yet or if there is some system limitation. It seem...
by jeffyscott
Fri Dec 14, 2018 3:11 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 717
Views: 50680

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

Took my transfer check to local Fidelity branch and was told they can not do deposits to HSA accounts (I was told in online message that I could take a check there to deposit). They are mailing it for me.
by jeffyscott
Thu Dec 13, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Grandfathered T-mobile plan, change SIM
Replies: 8
Views: 408

Re: Grandfathered T-mobile plan, change SIM

My experience is that the T-mobile retail stores will do nothing for prepaid customers except refer them to the T-mobile prepaid phone number. Those retail stores are driven by commission and I don't think there is anything in it for them to do anything for prepaid customers. I was able to keep my ...
by jeffyscott
Thu Dec 13, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Grandfathered T-mobile plan, change SIM
Replies: 8
Views: 408

Grandfathered T-mobile plan, change SIM

We have the old T-mobile paygo plan that can be kept going for as little as $10 per year. The current SIM for this is full size, which limits our ability to move the plan to a newer phone, without buying a new SIM. I understand a new nano or micro SIM can be purchased from T-mobile, but was wonderin...
by jeffyscott
Mon Dec 03, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: Rental car classifications
Replies: 13
Views: 1172

Re: Rental car classifications

I don't know if it has been the case in the past, maybe I just noticed this year because have I re-booked about 10 times at progressively lower rates for a trip we are taking.......... I've been doing the same thing.....it's almost like an obsession to me......LOL. :sharebeer try autoslash if you a...
by jeffyscott
Mon Dec 03, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Rental car classifications
Replies: 13
Views: 1172

Re: Rental car classifications

Yep, in my final booking Jetta class was a couple bucks less than Elantra class and a couple bucks more than Focus class. So maybe I'll get an example of what's equivalent, if I don't get the Jetta.
by jeffyscott
Mon Dec 03, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Rental car classifications
Replies: 13
Views: 1172

Rental car classifications

Is there a difference in the quality of cars, rather than just size, that you get for some classifications? I don't know if it has been the case in the past, maybe I just noticed this year because have I re-booked about 10 times at progressively lower rates for a trip we are taking, but it seems lik...
by jeffyscott
Sun Dec 02, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 10493

Re: Why is Costco gas so much cheaper

tomd37 wrote:
Sun Dec 02, 2018 11:11 am
Rocket354 - I simply turn off my engine whenever I have to wait in line for more than a minute. :oops:
Not sure that it would be a great idea, for the battery or engine, to stop and restart your car 5-6 times every time you buy gas.
by jeffyscott
Sun Dec 02, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 10493

Re: Why is Costco gas so much cheaper

I just checked my nearest Costco (Brentwood, TN) gas prices online. They are $2.07 for regular and $2.45 for premium. The Costco website also lists the prices at six nearby major brand gas stations with their price for regular being $2.75. I did not realize there is such a differential. And you'll ...
by jeffyscott
Sun Dec 02, 2018 10:27 am
Forum: Investing - Theory, News & General
Topic: Penfed raises certificate rates 12/1/18
Replies: 25
Views: 3028

Re: Penfed raises certificate rates 12/1/18

mrmass wrote:
Sun Dec 02, 2018 9:56 am
Don't want to derail the post but can you show me where I can find that 1 yr for 2.7?
Also here: https://www.treasury.gov/resource-cente ... data=yield

Those PenFed rates are also less than what is available in new issue brokered CDs.
by jeffyscott
Sun Dec 02, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 10493

Re: Why is Costco gas so much cheaper

Oh, I need to fill up on gas. Costco is nearby. They always have the lowest price. Not by much, but still, penny saved is a penny earned. [go to Costco gas, fill-up, save $1.50 on gas] Oh what’s that on the bottom of the receipt? If i show the receipt in the store, I can save $1.50? Good deal. Hmm,...
by jeffyscott
Sat Dec 01, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 10493

Re: Why is Costco gas so much cheaper

$60 membership fee x 100 million members = $6 billion. That would appear to be approximately the number of cardholders, not memberships. In 2017 they collected $2.6 billion in membership fees. https://www.investopedia.com/articles/investing/071015/3-reasons-costco-has-membership-fees.asp Not sure i...
by jeffyscott
Sat Dec 01, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 10493

Re: Why is Costco gas so much cheaper

Very little difference here, just checked on gas buddy and Costco is 3 cents per gallon less than next cheapest. OTOH, don't have huge lines like we did when we went to Costco for gas on a road trip in a place where it was significantly cheaper than every other station.
by jeffyscott
Sat Dec 01, 2018 1:37 pm
Forum: Investing - Theory, News & General
Topic: HSA employee contributions subject to FICA?
Replies: 42
Views: 2855

Re: HSA employee contributions subject to FICA?

2. You are required to save your receipts for ever (in case of audit). Not if you, like nearly everyone not on this forum, pay your medical bills with the account as you get them. This is what I do and then the excess is saved/invested. If used for future medical expenses it will be tax-free, if no...
by jeffyscott
Sat Dec 01, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: [Understanding volatility in ultrashort bond funds]
Replies: 51
Views: 5448

Re: Ultrashort bond funds in freefall

Floating Rate Notes have very short duration because they are equivalent to money market instruments. I think floating rate funds tend to have lower rated bonds in them, unlike money markets. But ultrashort bond funds can be money market-ish. For example T. Rowe floating rate (PRFRX) has BB at 26% ...
by jeffyscott
Thu Nov 29, 2018 5:35 pm
Forum: Investing - Theory, News & General
Topic: News: Vanguard rolls out HSA's
Replies: 11
Views: 2293

Re: News: Vanguard rolls out HSA's

The overall HSA market: Assets in health savings accounts have increased steadily over the past several years. Devenir Group, a consulting firm, estimates there will be $54 billion in HSAs by year-end, a 46% increase in two years. It projects HSAs will hold $74.7 billion by the end of 2020. The num...
by jeffyscott
Thu Nov 29, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: RedPocket - any reason not to use Verizon?
Replies: 12
Views: 962

Re: RedPocket - any reason not to use Verizon?

This is what we do, my Moto e4 on FreedomPop ATT $49 a year free calls free messages 1gb data per month. MsG has an older LTE CDMA Moto on Freedom Pop with the free service but spend $4 a month to roll her unused data, which she than shares with me. Works for us as most of the month we are using wi...
by jeffyscott
Thu Nov 29, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: RedPocket - any reason not to use Verizon?
Replies: 12
Views: 962

Re: RedPocket - any reason not to use Verizon?

OP use opensignal to separate the four major carriers to see where you have best coverage, the application is based on actual users https://opensignal.com/ Thanks, assuming I understood their map correctly, it implies that we might have better signal in the house with Verizon over ATT. That's one f...
by jeffyscott
Thu Nov 29, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: RedPocket - any reason not to use Verizon?
Replies: 12
Views: 962

Re: RedPocket - any reason not to use Verizon?

Some of the best plans are annual cards that one buys on Ebay. We have an "ultimate plan" from Ebay, and that specific one is GSMa only. (ATT) That's seems kinda odd, in that the cheapest ebay plan (the one we bought), let's you go on any network. I guess with the low limits the cost difference to ...
by jeffyscott
Thu Nov 29, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: RedPocket - any reason not to use Verizon?
Replies: 12
Views: 962

Re: RedPocket - any reason not to use Verizon?

GSM vs CDMA do have some differences. I stick with AT&T GSM (Cricket Wireless). CDMA (Verizon) seems to use a bit more battery as the network connection is different and it is always making sure it is connected. This my experience. I had a Moto G5 on Total Wireless and then on Cricket Wireless. Bat...
by jeffyscott
Wed Nov 28, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: RedPocket - any reason not to use Verizon?
Replies: 12
Views: 962

Re: RedPocket - any reason not to use Verizon?

I'm free on FreedomPop. Spouse has been too.

Now she is going with the 100 minutes, 100 texts, 500 MB RedPocket plan, already have that. Got a year for $51, with 15% off eBay coupon.

Planning to activate tomorrow.
by jeffyscott
Wed Nov 28, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: RedPocket - any reason not to use Verizon?
Replies: 12
Views: 962

RedPocket - any reason not to use Verizon?

Putting my wife's Moto G4 on a Red Pocket plan. Since my phone is on ATT via FreedomPop, figured I would activate hers on Verizon. Where we live, there are no coverage issues with any of the 4 networks, but when traveling the Verizon/ATT pair would, I think, give us better coverage than any other co...
by jeffyscott
Wed Nov 28, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 717
Views: 50680

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

So far unimpressed with Fidelity. It has been 13 days since opening the HSA and they haven't even looked at my paperwork according to the Fidelity rep. They said they go through them in the order they were received which is fair - but they must be quite overwhelmed for nothing to take place for 2 w...
by jeffyscott
Thu Nov 22, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: A lot of us expected a US stock "pull back" is this it?
Replies: 58
Views: 7848

Re: A lot of us expected a US stock "pull back" is this it?

Some have argued that an this CAPE should be higher like around 17-18 but I think that is just due to the last 20-30 years with the baby boomers in the work force. Such a large percentage of workers putting away for retirement should have increased the bid on stocks. Now that they are retiring I th...
by jeffyscott
Thu Nov 22, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: Why Active Funds Have Outperformed in Theory
Replies: 20
Views: 2167

Re: Why Active Funds Have Outperformed in Theory

Many active funds will pass this screen and I can always lower the Expense Ratio criteria if I so choose. After using whatever initial screening criteria you choose to employ, you can also sort by expense ratio and then start with the lowest. I look at lowest net ER, then make a note of the current...
by jeffyscott
Thu Nov 22, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: What is the true expense of buying an ETF vs a mutual fund?
Replies: 20
Views: 2414

Re: What is the true expense of buying an ETF vs a mutual fund?

Mutual funds are more convenient and simpler to use and understand. I think this adds a small "cost" to the ETFs, in terms of time required to manage a portfolio of them. This added time seems to be poorly, if at all, compensated.
by jeffyscott
Thu Nov 22, 2018 9:59 am
Forum: Investing - Theory, News & General
Topic: Reducing number of funds by supplementing LifeStrategy
Replies: 16
Views: 2173

Re: Reducing number of funds by supplementing LifeStrategy

Wouldn't expenses be higher if you use lifestrategy, as that will continue to use investor shares of underlying funds?
by jeffyscott
Thu Nov 22, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: A lot of us expected a US stock "pull back" is this it?
Replies: 58
Views: 7848

Re: A lot of us expected a US stock "pull back" is this it?

TheBogleWay wrote:
Thu Nov 22, 2018 6:13 am
Is this the pull back? Because this doesn't feel that bad at all. Lol. (knock on wood)
Yeah, that's because this is nothing.

You can read this to try to get a feel for what it was like, when it was bad:
viewtopic.php?f=10&t=25126
by jeffyscott
Wed Nov 21, 2018 11:05 pm
Forum: Investing - Theory, News & General
Topic: Inflation
Replies: 27
Views: 2704

Re: Inflation

OK, but why do you think do you think you have a better handle on expected inflation than the market? Ah, well, I didn't actually say that I did. :) I am just surprised at the market’s expectations for inflation. Actually, I'm surprised at the markets expectations for a lot of things. I've started ...
by jeffyscott
Wed Nov 21, 2018 8:56 pm
Forum: Investing - Theory, News & General
Topic: Inflation
Replies: 27
Views: 2704

Re: Inflation

Kevin M wrote:
Wed Nov 21, 2018 7:35 pm
What does the rate you got on a 2.5-year CD have to do with expected inflation?
Just has to do with learning what my expectation is, since making the choice between 3.24% nominal vs. 1% real seemed like a coin toss to me.
by jeffyscott
Wed Nov 21, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: CDs vs Treasuries
Replies: 5
Views: 1266

Re: CDs vs Treasuries

Although there appears to be no commission when buying, perhaps if one needs to sell before maturity Treasuries are more liquid with a tighter bid/ask spread? That is definitely the case, treasuries are much more liquid that brokered CDs. I would not buy a CD if there were any chance that I would w...
by jeffyscott
Tue Nov 20, 2018 11:02 pm
Forum: Investing - Theory, News & General
Topic: Lots of Newbie bond questions
Replies: 14
Views: 1475

Re: Lots of Newbie bond questions

The fund (or you) can buy secondary "bonds" when they have less than 10 years remaining or either "notes or bonds" when they have less than 1 year remaining, so the terminology does not really matter. Of course, total bond is not limited to treasuries, nor is it limited to less than 10 year maturit...
by jeffyscott
Tue Nov 20, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: Inflation
Replies: 27
Views: 2704

Re: Inflation

Well, the TIPS-nominal spread indicates only about 1.85% inflation is expected over the next 5 years. Based on my feeling that it was kinda a toss-up as to whether I should buy a 2.5 year CD at YTM of 3.24% or a similar TIPS with at about 1% real in an IRA yesterday, I guess I don't believe it will ...
by jeffyscott
Tue Nov 20, 2018 8:03 am
Forum: Investing - Theory, News & General
Topic: Lots of Newbie bond questions
Replies: 14
Views: 1475

Re: Lots of Newbie bond questions

1) I am curious about how the Vanguard Total Bond Market Fund works. In particular, does it hold all of its bonds to maturity or does it sell some at different times? If it's the latter, is it possible that the action of selling could trigger a capital gain, thereby making the fund more tax ineffic...
by jeffyscott
Mon Nov 19, 2018 5:23 pm
Forum: Investing - Theory, News & General
Topic: Getting SEC yield for MM ETFs
Replies: 1
Views: 225

Re: Getting SEC yield for MM ETFs

Those aren't ETFs.

I only looked at the post because I thought, "now there's money market ETFs...why??? :shock: "
by jeffyscott
Mon Nov 19, 2018 5:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17264

Re: VTWSX - Admiral Shares Incoming

Effective November 19, 2018, (i) Admiral Shares have an investment minimum of $3,000, and (ii) Investor Shares are generally closed to new investors. Investor Shares will remain open to existing investors and certain new institutional investors. You may convert your Investor Shares to Admiral Share...
by jeffyscott
Mon Nov 19, 2018 5:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17264

Re: Vanguard lowering Admiral level to $3,000?

The other quote of interest to me: The firm is also launching new admiral shares on five index funds with those new minimums. Does anyone know what these are? Someone mentioned Total World in a separate thread. Is my VSS/VFSVX (All-World ex-US Small Cap) dream coming true? And the answer is YES! Pe...
by jeffyscott
Mon Nov 19, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 88
Views: 8423

Re: Vanguard investor class shares on their way out?

Perhaps the theoretical cost impact for VTSAX will be more like what I calculated for the 500 index as that's not used in the fund of funds?

In reality, I'd not expect any actual change. I doubt vanguard would do this and then turn around and jack up expense ratios.
by jeffyscott
Mon Nov 19, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 88
Views: 8423

Re: Vanguard investor class shares on their way out?

retiringwhen wrote:
Mon Nov 19, 2018 10:17 am
My calculations at least on VTSAX said that ERs would have to go up for Admiral shares if they were merged by %0.02 when calculated from the Annual report.
But those calculations, I assume, did not account for investor shares continuing in target date, life strategy, etc.
by jeffyscott
Mon Nov 19, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: brokerage failure & risk premium for t-bill & cd
Replies: 16
Views: 1097

Re: brokerage failure & risk premium for t-bill & cd

2. 52-week t-bill, purchased through brokerage (Schwab, Vanguard, Fidelity, etc) yield: assuming no purchase or maturity commission, the yield should be the same as in (1). tax: does the state tax free treatment pass through in this case, as in (1)? Yes, the t-bill interest is not subject to income...
by jeffyscott
Sun Nov 18, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 717
Views: 50680

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

Hello. I opened my HSA at Fidelity, but I haven't been able to find any way to do an indirect transfer of my HSA account (currently in a bank account) so that the contribution is marked as a rollover contribution rather than a 2018 contribution. I'll call to find out whether it's possible on Monday...
by jeffyscott
Sun Nov 18, 2018 9:06 am
Forum: Investing - Theory, News & General
Topic: POV on Vanguard's Global Wellington Fund Admiral Shares (VGWAX)
Replies: 9
Views: 1382

Re: POV on Vanguard's Global Wellington Fund Admiral Shares (VGWAX)

I have not studied it in detail, but wonder about the low yield on the bond portfolio. VGWAX has YTM of 3%, with average maturity of 8.2 years and duration 6. VWENX is 3.6% with one year longer average maturity and duration at 6.4. VGWAX holds both international government and international corpora...
by jeffyscott
Sat Nov 17, 2018 3:24 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 717
Views: 50680

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

Ostentatious wrote:
Sat Nov 17, 2018 2:49 pm
To transfer or not to transfer? I have Optum Bank with $3 monthly fee and invest all in the Vanguard S & P 500. Not sure if it worth it to transfer. Transfer fee seems to be just $20.
Doesn't Optum charge an asset fee, in addition to the $3/month?