Search found 200 matches

by cookymonster
Thu Dec 06, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance for FIRE [Financial Independence Retire Early]
Replies: 83
Views: 6265

Re: Health insurance for FIRE

Rich and healthy? Get a catastrophic plan. The future costs may increase rapidly or fall to free...it's uncertain for retirement whether it's early or not. PS: I would avoid using that acronim, as it was probably coined by someone who makes money giving financial advice...your choice. If you are yo...
by cookymonster
Wed Nov 28, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 640
Views: 44281

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

Has anyone transferred their HSA from Saturna to Fidelity yet? If so, any tips, issues to look out for, etc.? I know it was a pain getting into Saturna (mountains of paperwork), which makes me feel it might be a pain getting out. Also, if any of you have started the process, has Fidelity said they'...
by cookymonster
Fri Nov 23, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Non-government 457(b) or taxable account
Replies: 3
Views: 241

Re: Non-government 457(b) or taxable account

I invest in mine, which also has good investment options and a flexible withdrawal schedule. I think it's worth it. I can't comment from the experience of going through the withdrawal process. The standard advice is this should be the last tax-advantaged account to fill and the first from which to w...
by cookymonster
Wed Nov 21, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 640
Views: 44281

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

I called Fidelity today to ask if they would reimburse Saturna's $75 transfer fee. The CSR told me no this time around. Anyone have better luck? For now, I am moving a small amount out of Saturna via distribution/rollover of an NTF but I've kept the FXNAX portion at Saturna (which would cost $25 to...
by cookymonster
Wed Nov 21, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 640
Views: 44281

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

I called Fidelity today to ask if they would reimburse Saturna's $75 transfer fee. The CSR told me no this time around. Anyone have better luck? For now, I am moving a small amount out of Saturna via distribution/rollover of an NTF but I've kept the FXNAX portion at Saturna (which would cost $25 to ...
by cookymonster
Sun Nov 18, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 640
Views: 44281

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

I have my Saturna HSA invested mostly in a Fidelity fund. It would cost me $25 just to sell the fund. I am going to keep it along with $1 in an NTF, which I'll trade annually to avoid the inactivity fee, and hope that Fidelity at some point buys them out. It's more hassle than I'd like, but I'm alle...
by cookymonster
Fri Nov 16, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer Saturna HSA to Fidelity?
Replies: 3
Views: 290

Re: Transfer Saturna HSA to Fidelity?

poster in the main Fidelity thread described taking a distribution and doing an indirect rollover to avoid the closing fee. I will likely attempt this next week.
by cookymonster
Thu Nov 15, 2018 8:37 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 640
Views: 44281

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

Cheers to Fidelity. I regret picking Saturna a couple of years ago. Now I'm stuck with a $75 closing fee.
by cookymonster
Wed Nov 14, 2018 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 58
Views: 5948

Re: You Invest by JP Morgan Chase

Extremely frustrating experience so far: - No support for partial transfers online - For partial transfers, must do in paper, obtain notarization, and send in US Mail. No option for fax/email - No reimbursement for account transfer fees I completed all these steps, mailing off the transfer form on ...
by cookymonster
Tue Nov 13, 2018 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 58
Views: 5948

Re: You Invest by JP Morgan Chase

Extremely frustrating experience so far: - No support for partial transfers online - For partial transfers, must do in paper, obtain notarization, and send in US Mail. No option for fax/email - No reimbursement for account transfer fees I completed all these steps, mailing off the transfer form on ...
by cookymonster
Tue Nov 13, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 58
Views: 5948

Re: You Invest by JP Morgan Chase

Extremely frustrating experience so far: - No support for partial transfers online - For partial transfers, must do in paper, obtain notarization, and send in US Mail. No option for fax/email - No reimbursement for account transfer fees I completed all these steps, mailing off the transfer form on 1...
by cookymonster
Thu Nov 01, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 493
Views: 49454

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Customer service was brutal today. I called today to cancel my no-penalty CD so I could open a new larger one. It took 35 minutes because the system was so sluggish. Closing a CD and opening a new one is very easy online. I understand that some people don't like to do bank stuff online, but just ma...
by cookymonster
Thu Nov 01, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 493
Views: 49454

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Customer service was brutal today. I called today to cancel my no-penalty CD so I could open a new larger one. It took 35 minutes because the system was so sluggish.
by cookymonster
Wed Oct 31, 2018 9:52 am
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 58
Views: 5948

Re: You Invest by JP Morgan Chase

For those of you doing this for the 60k bonus DO NOT CLOSE YOUR ACCOUNT IN 3 MONTHS In the fine print, you only have to have the money there for 3 months, but if you close it in 6 months, they pull the bonus back. $75 fee for not having 75k in the accounts, so basically plan on this being a 6 month...
by cookymonster
Wed Oct 31, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 58
Views: 5948

Re: You Invest by JP Morgan Chase

Anyone have any luck getting Chase to reimburse transfer fees?
by cookymonster
Sun Oct 28, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1558

Re: Help with Tax Loss Harvesting for VWO

Thanks again for the reply cookymonster. Your explanation does help me in understanding the math. Can you please elobrate more on how you got 180% and 150% number for SCHE andr IEMG? So based upon look like I have two options - (1) I can sell VWO now and hold it in cash or Money Market for 31 days ...
by cookymonster
Sat Oct 27, 2018 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1558

Re: Help with Tax Loss Harvesting for VWO

Thanks again for the reply cookymonster. Your explanation does help me in understanding the math. Can you please elobrate more on how you got 180% and 150% number for SCHE andr IEMG? So based upon look like I have two options - (1) I can sell VWO now and hold it in cash or Money Market for 31 days ...
by cookymonster
Sat Oct 27, 2018 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1558

Re: Help with Tax Loss Harvesting for VWO

Thanks again for the reply cookymonster. Your explanation does help me in understanding the math. Can you please elobrate more on how you got 180% and 150% number for SCHE andr IEMG? So based upon look like I have two options - (1) I can sell VWO now and hold it in cash or Money Market for 31 days ...
by cookymonster
Sat Oct 27, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1558

Re: Help with Tax Loss Harvesting for VWO

31 days might seem like a long time, but the alternative is holding on to a 2nd choice MF/ETF for decades. Might not be a big deal if you have two partners you prefer more or less equally. What I would do is exchange it to the ETF SCHE. Here's the twist though. Don't do it until after the dividend ...
by cookymonster
Fri Oct 26, 2018 8:44 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 227383

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Has anyone signed up for this offer ? https://accounts.chase.com/consumer/banking/online?px=TX22729&jp_aid_a=66878011&jp_aid_p=chasehome_3/hero if so, any experience with Chase's YouInvest product, transfer of securities to Chase etc. ? Hoping to generate more discussion about this. In particular w...
by cookymonster
Wed Oct 24, 2018 12:38 am
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1558

Re: Help with Tax Loss Harvesting for VWO

31 days might seem like a long time, but the alternative is holding on to a 2nd choice MF/ETF for decades. Might not be a big deal if you have two partners you prefer more or less equally. What I would do is exchange it to the ETF SCHE. Here's the twist though. Don't do it until after the dividend ...
by cookymonster
Mon Oct 22, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5221

Re: What to do with >$1000 in Amazon credits?

Guess I may be holding on to the credit for a while, maybe until Prime Day next year. I need to figure out another way to cash in coins in the meantime. Some B&M banks still take them but you might want to get to the root of why your collecting so many coins... move more to credit cards (with cash ...
by cookymonster
Mon Oct 22, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5221

Re: What to do with >$1000 in Amazon credits?

Some preliminary comparisons of household items: Clumping cat litter - $0.36/pound Wal-Mart, $0.57/pound Amazon Laundry detergent - $0.04/oz. Wal-Mart, ~$0.05/oz. Amazon (not a big difference, but too inexpensive to count for much anyway) Toilet paper - $0.06/100 sheets Wal-Mart, $0.13/100 sheets Am...
by cookymonster
Sun Oct 21, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5221

Re: What to do with >$1000 in Amazon credits?

Gift cards are a good suggestion. It would be nice if they had Wal-Mart. I probably will spring for Airbnb and possibly one for Southwest. Otherwise I can't easily think of one I'm sure to use quickly.
by cookymonster
Sun Oct 21, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5221

Re: What to do with >$1000 in Amazon credits?

nonperishable grocery items are what I'm thinking of. I'll be due to order another 25 pound bag of quinoa in a couple of weeks.

Appreciate the suggestions so far. I don't spend a lot of money except on groceries and vacations.
by cookymonster
Sun Oct 21, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5221

What to do with >$1000 in Amazon credits?

I've been accumulating Amazon credit faster than I've desired to spend it. Mainly this came in the form of a $1000 Amazon gift card I got through purchasing a subscription for CME, but I also will have another $100 soon from a referral bonus. Some credit accrues from Coinstar redemptions as well. I ...
by cookymonster
Wed Oct 10, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Question about wash sale rules and replacement shares
Replies: 1
Views: 136

Question about wash sale rules and replacement shares

Suppose I am selling a stock that has the following lots: Lot A (10 shares) - purchased 1 week ago Lot B (10 shares) - purchased 6 weeks ago I see that Lot A has dropped below cost basis and decide to sell it for a loss. The following day I notice Lot B has dropped below cost basis as well. Time to ...
by cookymonster
Mon Oct 08, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: Debunking Bonds in Taxable
Replies: 99
Views: 10491

Re: Debunking Bonds in Taxable

I ran the numbers using WCI's methodology, and the final totals in each scenario were within 2% of each other.

I see myself continuing to put bonds in traditional retirement accounts because I don't really want to mess with municipal bonds. If my taxes go up dramatically maybe I'll reconsider.
by cookymonster
Thu Jun 28, 2018 6:55 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2028
Views: 377094

Re: What are you up YTD? [Year To Date]

down to +0.06%, pretty much a nothingburger.
by cookymonster
Sat Jun 23, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes from dividends getting high.. how to handle?
Replies: 24
Views: 2939

Re: Taxes from dividends getting high.. how to handle?

This idea that getting a refund from the IRS is bad is just bunk. Consider two cases: 1. You don't get a refund, but invest the money instead. And your investments lose money. In that case, getting a refund would have helped prevent you from losing money. 2. Tax prep software companies give you a 1...
by cookymonster
Fri May 04, 2018 1:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: Salt Lake City Bogleheads
Replies: 58
Views: 10420

Re: Salt Lake City Bogleheads

Is tomorrow still a go?
by cookymonster
Fri Apr 27, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: White Coat Investor Interviews Paul Merriman
Replies: 37
Views: 7313

Re: White Coat Investor Interviews Paul Merriman

It was a good podcast. I've tilted to small and value for a while. I think Paul does himself a disservice by calling his non buy and hold strategy "market timing." To me that means attempting to get out of the market when it has gone up out of fear of a coming crash, and trying to get back in when s...
by cookymonster
Wed Feb 14, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 103
Views: 8215

Re: I didn't tax-loss harvest this month, did you?

Looks like I've harvested about $700. Nothing to write home about, but more impressive than the $27 in losses I captured last year.
by cookymonster
Wed Feb 14, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 67
Views: 9211

Re: The Best HSA

Saturna allows me to make one trade a year for $14.95, no other fees. No cash drag. If I want to do a Vanguard fund, it's $24.95. Works great for my purposes. It's even cheaper than that if you buy a NTF fund. I bought one with an ER of 0.21%. The higher ER means $6 in extra costs this year. No oth...
by cookymonster
Tue Feb 13, 2018 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard VXUS QDI% 2017
Replies: 9
Views: 816

Re: Vanguard VXUS QDI% 2017

SCHF had a ratio of 0.899 in 2016. Don't see 2017 anywhere yet. I now not only put new intl holdings in it, but it would also take a huge loss for me to exchange it to something else in a TLH event.
by cookymonster
Sun Feb 11, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding Brokerage Transfer Fee [Merrill Edge]
Replies: 10
Views: 1648

Re: Avoiding Brokerage Transfer Fee [Merrill Edge]

You'd be surprised. I've never failed to get a transfer fee reimbursed, even on top of a bonus.
by cookymonster
Wed Feb 07, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Investment ideas for my Saturna HSA
Replies: 3
Views: 314

Re: Investment ideas for my Saturna HSA

When i moved my 15k HSA to Saturna, I put it in a Fidelity low-cost bond fund. At the time, there was a transaction fee of $15; it has since gone up to $25. The lowest ER NTF option I'm aware of is PREIX, an S&P 500 index fund with an ER of 0.21. I put my new $3450 contribution in that, since I wasn...
by cookymonster
Sun Feb 04, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: Comparing Schwab Mutual Funds & ETFs
Replies: 16
Views: 3535

Re: Comparing Schwab Mutual Funds & ETFs

I didn't want to start a new thread for this. Is it possible to get up-to-date Schwab annual reports anywhere online? I can find old reports from Morningstar, but that's it. I would like to figure out what the tax efficiency for the ETF's are (including foreign tax paid). I would also like to figure...
by cookymonster
Fri Feb 02, 2018 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Best International Small Cap Option
Replies: 53
Views: 6734

Re: Best International Small Cap Option

VSS has lousy tax efficiency with a QDI ratio of 0.41. SCHC is at 0.72 and is where I put new $ in the class.
by cookymonster
Thu Dec 21, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Selling an out of print book
Replies: 12
Views: 1394

Re: Selling an out of print book

Listed on eBay for now. They take about a 10% cut, which is the lowest I'm aware of. Other sites (excluding Amazon) take about 15%.
by cookymonster
Wed Dec 20, 2017 11:32 pm
Forum: Personal Consumer Issues
Topic: Selling an out of print book
Replies: 12
Views: 1394

Re: Selling an out of print book

The list price is $37.95 and it's paperback. It's not a textbook, more a how-to to help a doctor find the right job. I have to assume I can get more than that for it since it's almost completely unavailable. I'm thinking I'll start at $200 and go down $10 a week... Hopefully it'll sell within a few ...
by cookymonster
Wed Dec 20, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Selling an out of print book
Replies: 12
Views: 1394

Selling an out of print book

Hi all, I have a copy of a book published in 2011, now surprisingly out of print. It is IMO a practically useful book for physicians. I looked all over the web for copies for sale to see how much it might be worth. I found one copy on Amazon UK for $51, and another on Amazon US for $3215. I also loo...
by cookymonster
Wed Nov 08, 2017 2:22 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 227383

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Somehow I'm still getting the 75% bonus despite only having 70-74k at ME the last several months. But yeah, it's an awesome deal. I'm using the Bank of America Cash Rewards card and the Travel Card. You had $100k in assets at some point in the last year, correct? I thought the tier was based on 3-m...
by cookymonster
Wed Nov 08, 2017 2:07 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 227383

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Somehow I'm still getting the 75% bonus despite only having 70-74k at ME the last several months. But yeah, it's an awesome deal. I'm using the Bank of America Cash Rewards card and the Travel Card.
by cookymonster
Tue Nov 07, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Account Options with Vanguard
Replies: 2
Views: 596

Re: HSA Account Options with Vanguard

Are you using your HSA for purely investment purposes? When do you think you might withdraw the money? To me, the preferred choice is the Vanguard Bond Fund. It's cheap, and although it isn't going to grow much, that maximizes the likelihood that all the HSA funds are going to be spent on only quali...
by cookymonster
Mon Nov 06, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 6226

Re: Poll-How much do you have in your HSA?

18.4k. Probably had since 2010. I was reimbursing for a few years. The main reason balance isn't higher is that for the last few years I've kept it invested in bonds (though I am debating moving it to stocks since it seems unlikely that I'm not going to be able to come up with enough qualifying expe...
by cookymonster
Mon Nov 06, 2017 8:23 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?
Replies: 50
Views: 6902

Re: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?

I have just tossed these in the recycler but assuming they're business reply I can send them back next time. I don't see a way to vote online through E*Trade, Scottrade, or Merrill Edge.
by cookymonster
Mon Nov 06, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 227383

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

My Roth IRA is at Scottrade. Anyone know if TD Ameritrade will pay bonuses for Scottrade transfers with the pending merger? Doesn't seem likely but I thought I'd see if anyone has tried.
by cookymonster
Sun Sep 03, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 136
Views: 29531

Re: Becoming a Landlord: My Experiences

Appreciate this post, de novo. I've thought about getting into this but it just sounds way too complicated, and your post is solid testimony to why. I had a few questions though: 1) Do you document the time this takes and consider that when evaluating your returns? 2) Would you ever take a tenant wh...
by cookymonster
Sat Sep 02, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2028
Views: 377094

Re: What are you up YTD? [Year To Date]

I'm up 10.21% according to XIRR. I have 21 ETFs and mutual funds. Best of the year is SCHE (Schwab Emerging Markets) at 26.25%. The only one with a negative return is IWN (ishares Russell 2000 Value). In order to get a valid YTD return with XIRR, you need to set the ending date to 12/31/17. Otherwi...