Search found 223 matches

by cookymonster
Fri May 17, 2019 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand the ACA Cliff
Replies: 24
Views: 4427

Re: Help me understand the ACA Cliff

Bumping an old thread.... I was on healthsherpa.org looking at the cost of various plans, ... First off I wouldn’t rely on healthsherpa being accurate. Use Healthcare.gov or the corresponding state exchange (caveat emptor: my state exchange has gotten in wrong as well). If your income is below 400%...
by cookymonster
Fri May 17, 2019 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand the ACA Cliff
Replies: 24
Views: 4427

Re: Help me understand the ACA Cliff

Bumping an old thread.... I was on healthsherpa.org looking at the cost of various plans, and the size of the subsidy, in places I may relocate in the next year. I understand that the size of the subsidy can vary by location due to various convoluted factors. However, what puzzled me is that althoug...
by cookymonster
Fri Mar 29, 2019 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Anybody else get a huge tax increase due to SALT deduction changes?
Replies: 101
Views: 7107

Re: Anybody else get a huge tax increase due to SALT deduction changes?

Another way to look at this is that you got a five figure interest free loan (assuming no penalty). that's a pretty big win in my book. I try to owe thousands on my tax return every year.
by cookymonster
Sun Mar 24, 2019 12:05 pm
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 11719

Re: The easiest way I know to save money for retirement is to own an inexpensive automobile.

While your point is valid, my bone to pick with the original message is that the term "inexpensive automobile" is almost always an oxymoron.
by cookymonster
Thu Mar 21, 2019 7:09 pm
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 11719

Re: The $4,026,858.95 Car or a Worry-Free Retirement?

Episode 14 in The War Against Cars covers an interview with Click and Klack's Tom Magliozzi about how Ray Magliozzi always used cars just to get from point A to point B and found them to be a big waste of money. Ray Magliozzi always preferred to drive beater cars. He was known to ride his bike ever...
by cookymonster
Thu Mar 21, 2019 5:31 pm
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 11719

Re: The $4,026,858.95 Car or a Worry-Free Retirement?

I sincerely hate automobiles and have switched to bicycle commuting over the past two years. To me, a Corolla is a $2 million car (i.e. $4,000 annually compounded over a lifetime) and not worth as much as a worry free retirement. I know I am in the minority though.
by cookymonster
Sat Mar 02, 2019 9:16 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1745
Views: 272287

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

So which are the one per lifetime bonuses now? Schwab, maybe Fidelity? I read earlier in the thread that same applied to Ally.
by cookymonster
Sat Feb 23, 2019 5:42 pm
Forum: Personal Consumer Issues
Topic: Relocate to Carolinas
Replies: 80
Views: 6864

Re: Relocate to Carolinas

Go Heels! I grew up in Gastonia, lived eight years in Chapel Hill, then four years in Charleston. Now live in the Mountain West. Summers in NC and SC, outside the mountains are oppressively hot and humid IMO. I recall seeing a heat index of 132 in Charleston at one point. I like NC but if I moved ba...
by cookymonster
Wed Feb 20, 2019 1:03 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1024
Views: 87471

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

I've transferred accounts from Health Equity and Saturna. Health Equity was MUCH slower, took exactly a month. Saturna took about two weeks. I successfully got my account closing fee reduced from $75 to $35. This is because within the Pershing platform is lists the account closing fee as $35. I call...
by cookymonster
Tue Feb 19, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: Darn Tough Socks....Boxers???
Replies: 18
Views: 2079

Re: Darn Tough Socks....Boxers???

How do you guys find the best deals on Darn Tough socks? Interested in giving them a try but the stores all seem to charge $20 a pair.
by cookymonster
Fri Feb 08, 2019 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 630
Views: 68427

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

I wonder how Ally ultimately computed the bonus for people who had activity (both in and out) during the retention period? There was considerable debate on this thread about whether Ally would count all withdrawals during the retention period as going against the original deposit, and thereby reduc...
by cookymonster
Sun Jan 20, 2019 11:30 am
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 225
Views: 27437

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

I went with online shopping. Seems like this could be pretty lucrative since the terms and conditions make it sound like pretty much any online store would qualify. I will try, for instance, to use Walmart online pickup for groceries rather than just shop in the store (something I probably should do...
by cookymonster
Sat Jan 19, 2019 11:07 pm
Forum: Personal Consumer Issues
Topic: Bicycling trip along the French Riviera
Replies: 13
Views: 740

Re: Bicycling trip along the French Riviera

I like the suggestion of looking closer to Aix en Provence. Friends recently did a guided, lightly supported ride in that neck of the woods and loved it. If I recall correctly, the inclines weren't as intense and there's lots of nice scenery there too, but a little more laid back than the Riviera. ...
by cookymonster
Sat Jan 19, 2019 11:03 pm
Forum: Personal Consumer Issues
Topic: Bicycling trip along the French Riviera
Replies: 13
Views: 740

Re: Bicycling trip along the French Riviera

It looks like you will be carrying your own gear. You also mention renting a bike. Is your plan to bring gear and panniers and then rent a bike with racks on it? Have you checked out companies that plan itineraries for people who want to show up, be given a bike and instructions, and then ride off?...
by cookymonster
Sat Jan 19, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: Bicycling trip along the French Riviera
Replies: 13
Views: 740

Re: Bicycling trip along the French Riviera

Are you asking for cities to visit via bike or when you're sightseeing off the bike, via car or train? Are you doing out and backs from Nice or staying in places along your route? I just plan on traveling via bike. Trying to plan the best route along the way. It would be great to find good cycling ...
by cookymonster
Sat Jan 19, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Bicycling trip along the French Riviera
Replies: 13
Views: 740

Bicycling trip along the French Riviera

Every spring I take a two-week bike tour in Europe. Each year I've tried to make it interesting and a little more challenging. These are the previous trips I've done: 2016: Bicycled around Lake Constance in Germany/Austria/Switzerland, stayed in hotels, accommodations/luggage transport arranged by t...
by cookymonster
Fri Jan 18, 2019 12:16 pm
Forum: Personal Investments
Topic: Where Do HSAs Fit in Asset Location?
Replies: 48
Views: 2980

Re: Where Do HSAs Fit in Asset Location?

I have been putting my HSA entirely in bonds. My reasoning is that if my HSA account value exceeds out of pocket medical costs, then the excess will be taxed at ordinary rates, so it makes the most sense to put low-return, tax-inefficient assets in the HSA, especially since I have reason to hope th...
by cookymonster
Thu Jan 17, 2019 10:16 pm
Forum: Personal Investments
Topic: Where Do HSAs Fit in Asset Location?
Replies: 48
Views: 2980

Re: Where Do HSAs Fit in Asset Location?

I have been putting my HSA entirely in bonds. My reasoning is that if my HSA account value exceeds out of pocket medical costs, then the excess will be taxed at ordinary rates, so it makes the most sense to put low-return, tax-inefficient assets in the HSA, especially since I have reason to hope tha...
by cookymonster
Fri Dec 28, 2018 9:44 pm
Forum: Personal Investments
Topic: Anyone have experience with Chase Investment?
Replies: 18
Views: 1059

Re: Anyone have experience with Chase Investment?

I can't figure out how to turn off dividend reinvestment either. I'll be planning to move out once I get my 60k points.
by cookymonster
Wed Dec 12, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: Should this doctor pay damages for malpractice?
Replies: 23
Views: 2755

Re: Should this doctor pay damages for malpractice?

Only a medical expert can answer whether this doctor breached his duty. But what kind of damages are you thinking she is owed? Is this a long-term or permanent injury? Even if the doctor committed malpractice you still have to convince an attorney that pursuing a case will lead to a rewarding moneta...
by cookymonster
Wed Dec 12, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 4175

Re: Donate to homeless?

Some of you are generalizing about homeless people and painting them all with the same broad brush of addiction and failing to realize some are actually poor homeless people. How many have you had a conversation with? I know of two people who worked the same intersection for years (in different cit...
by cookymonster
Tue Dec 11, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 4175

Re: Donate to homeless?

Donate to organizations that support the homeless. Don't give directly to the people on the street. The most obvious reason is that you're supporting drug use and crime, as well as the panhandling itself. Even giving food and clothing to people on the street is potentially dangerous, as it is someth...
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: 6709

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: 1024
Views: 87471

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: Personal Investments
Topic: Non-government 457(b) or taxable account
Replies: 3
Views: 286

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: 1024
Views: 87471

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: 1024
Views: 87471

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: 1024
Views: 87471

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: Personal Investments
Topic: Transfer Saturna HSA to Fidelity?
Replies: 3
Views: 388

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: 1024
Views: 87471

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: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 150
Views: 19289

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: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 150
Views: 19289

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: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 150
Views: 19289

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: 630
Views: 68427

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: 630
Views: 68427

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: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 150
Views: 19289

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: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 150
Views: 19289

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: Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1722

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: Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1722

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: Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1722

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: Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1722

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: 1745
Views: 272287

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: Personal Investments
Topic: Help with Tax Loss Harvesting for VWO
Replies: 21
Views: 1722

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: 5338

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: 5338

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: 5338

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: 5338

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: 5338

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: Personal Investments
Topic: Question about wash sale rules and replacement shares
Replies: 1
Views: 162

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 ...