Search found 563 matches

by motorcyclesarecool
Tue Dec 11, 2018 10:10 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 113
Views: 4310

Re: What Happened to you during the Financial crisis of 2007–2008

I lost my Megacorp job the day after the election. Two weeks’ pay was my severance. I had been invested haphazardly across too many §401(k) options. I held target date funds from two different companies, as well as some institutional total stock market fund, and some stable value. I avoided company ...
by motorcyclesarecool
Mon Dec 10, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and dental insurance
Replies: 8
Views: 926

Re: HSA and dental insurance

Keep in mind, GEHA HSA has a decent dental benefit baked in. I’ve found that it makes “low option” GEHA Connection Dental coverage through BENEFEDS almost superfluous. Read the brochure carefully to see how much your primary dental coverage on GEHA HSA would cover. Then, if you can afford it, consi...
by motorcyclesarecool
Sat Dec 08, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2485

Re: New QUIET Tires for Accord

For keeping tires quiet, maintain your tires well. This means rotating them every 10k miles or less (just do rotations with oil changes), maintaining tire pressure, maintaining alignment (poor wear due to alignment issues will cause noisy tires), and making sure your suspension is in good shape (ba...
by motorcyclesarecool
Sat Dec 08, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB HDHP options for Federal Employees
Replies: 28
Views: 2487

Re: FEHB HDHP options for Federal Employees

How many trips to the doctor did you take last year? Ours are 2 and 4, and one has severe food allergies. We’ve found that the deductible disappears pretty quickly between between all the sniffles and ear infections, even without any trips to the emergency department. GEHA after the deductible is pr...
by motorcyclesarecool
Fri Dec 07, 2018 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and dental insurance
Replies: 8
Views: 926

Re: HSA and dental insurance

Keep in mind, GEHA HSA has a decent dental benefit baked in. I’ve found that it makes “low option” GEHA Connection Dental coverage through BENEFEDS almost superfluous. Read the brochure carefully to see how much your primary dental coverage on GEHA HSA would cover. Then, if you can afford it, consid...
by motorcyclesarecool
Thu Dec 06, 2018 5:45 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8542
Views: 1671059

Re: U.S. stocks in freefall

I think the market is free to go up now.........somebody dumped a big position into an iliquid market. We traded 2649.75!!!! Where do you see this info? Bloomberg has an article about it right now: https://www.bloomberg.com/news/articles/2018-12-06/s-p-500-futures-plunge-leaving-traders-grasping-fo...
by motorcyclesarecool
Tue Dec 04, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Travel now & work a bit longer, OR the other way around?
Replies: 38
Views: 2872

Re: Travel now & work a bit longer, OR the other way around?

Leverage travel reward credit card bonuses to maximize your travel while minimizing the cost. And continue to save aggressively.
by motorcyclesarecool
Tue Dec 04, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8542
Views: 1671059

Re: U.S. stocks in freefall

I was hoping for a TLH opportunity in taxable. No dice. My highest basis lots are still showing gains. What’s the big deal?
by motorcyclesarecool
Fri Nov 30, 2018 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Open enrollment. Too Much Risk?
Replies: 12
Views: 947

Re: Open enrollment. Too Much Risk?

Doubling your deductible decreases your premium by 2/3. If there is any form of employer contribution, I’d definitely go for that.
by motorcyclesarecool
Wed Nov 28, 2018 10:16 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 650
Views: 45638

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

My HSABank linked TDA account generated a secure message today indicating that my TDA account is eligible for outgoing transfers. I’m doing a partial transfer (leaving a few hundred behind) and I had liquidated my position because I thought I’d have to work through HSABank. So I’ll have a DP soon fo...
by motorcyclesarecool
Wed Nov 28, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Winter boot recommendation
Replies: 26
Views: 2334

Re: Winter boot recommendation

I used to buy L.L. Bean knock-offs at Ames. They worked great. I recommend the L.L. Bean winter boots.

Also consider Merrell or Salomon snow mocs. I go for my merrells most mornings and change shoes at work.
by motorcyclesarecool
Tue Nov 27, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 650
Views: 45638

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

DP: I opened an HSA with Fido on the 15th and queued up my payroll deductions to go there beginning in 2019. Yesterday I initiated a trustee-to-trustee partial transfer from TDA (linked to HSABank). Projected completion date is 11/28. Uploaded my most recent TDA statement. All forms completed 100% ...
by motorcyclesarecool
Mon Nov 26, 2018 6:55 am
Forum: Investing - Theory, News & General
Topic: Windfall investment
Replies: 3
Views: 411

Re: Windfall investment

1. Most recipients of a windfall don’t have an IPS.
2. Sitting in cash for a year is less likely to lead to behaviorally driven financial mistakes. Especially if the windfall gets lump-summed into the teeth of a bear market.
by motorcyclesarecool
Sun Nov 25, 2018 7:03 am
Forum: Personal Finance (Not Investing)
Topic: How do tax brackets work?
Replies: 37
Views: 5604

Re: How do tax brackets work?

Keep in mind, there may be quirks of your state tax system creating jagged tax cliffs. For example, for homeowners in my state, at over $89,999 of “household” income, the calculation of your property tax adjustment (we have an income sensitized property tax scheme) changes from the first $400k of ho...
by motorcyclesarecool
Wed Nov 21, 2018 8:32 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 650
Views: 45638

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

DP: I opened an HSA with Fido on the 15th and queued up my payroll deductions to go there beginning in 2019. Yesterday I initiated a trustee-to-trustee partial transfer from TDA (linked to HSABank). Projected completion date is 11/28. Uploaded my most recent TDA statement. All forms completed 100% o...
by motorcyclesarecool
Wed Nov 21, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Landlords: Where do you buy your fridges?
Replies: 15
Views: 2396

Landlords: Where do you buy your fridges?

Our fridge is old and no longer holding its temperature. We need a replacement. We also plan to sell our condo this spring, so we don’t want to drop much money on it.

Where should I look?
by motorcyclesarecool
Tue Nov 20, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8542
Views: 1671059

Re: U.S. stocks in freefall

Wahoo! More TLH! Only $414 of short term gains left to erase! C’mon RBD!
by motorcyclesarecool
Fri Nov 16, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: which snow blower ?
Replies: 58
Views: 3534

Re: which snow blower ?

I’ll be in the market soon. My landscaper friend says Ariens.
by motorcyclesarecool
Fri Nov 16, 2018 6:21 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have a bad experience with HDHP?
Replies: 43
Views: 3970

Re: Anyone have a bad experience with HDHP?

Health care services are a little like taxes. When it’s withheld from our paychecks, we don’t notice it. When we open our wallets to pay a bill, it activates the pain center of our brains. I think it’s been good for me to learn how Byzantine our medical billing practices are. We can’t have market fo...
by motorcyclesarecool
Thu Nov 15, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB HDHP options for Federal Employees
Replies: 28
Views: 2487

Re: FEHB HDHP options for Federal Employees

My payroll is processed by the NFC. Their interface appears to allow me to make HSA payroll deductions to any valid HSA account. Looks like I’ll be parking cash at HSABank, and auto-investing at Fidelity!
by motorcyclesarecool
Thu Nov 15, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 650
Views: 45638

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

This looks like the solution to my HSABank / TDA angst. Opened the account in minutes, and have my payroll deductions queued up to start in 2019. Happy new year to me! I’ll keep cash at HSABank (It is where my insurance company’s “premium pass through” will go), and be able to “set & forget” my inve...
by motorcyclesarecool
Wed Nov 14, 2018 9:24 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg: GE Preferred STOCK in Vanguard short bond funds??
Replies: 14
Views: 1694

Re: Bloomberg: GE Preferred STOCK in Vanguard short bond funds??

I would not recommend individual corporate bonds. David Swensen will take you through why this is a bad idea. So does Larry Swedroe from memory: - many of the bonds have a call feature - if you guess right (improving credit quality, falling interest rates) then you get called just when you do not w...
by motorcyclesarecool
Wed Nov 14, 2018 6:27 am
Forum: Investing - Help with Personal Investments
Topic: Contribute to Roth IRA now or tIRA later (to save tax)?
Replies: 20
Views: 1298

Re: Contribute to Roth IRA now or tIRA later (to save tax)?

Unfortunately, with your income in the partially deductible range, and with traditional IRA balances, it appears that your ability to contribute to Roth IRAs, either through the front door or the back door, is severely limited. Can you and your spouse roll your Traditional IRAs to §401(k) plans or s...
by motorcyclesarecool
Tue Nov 13, 2018 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Question re: HSA for federal employees and FSA carryover
Replies: 15
Views: 907

Re: Question re: HSA for federal employees and FSA carryover

I’m weighing a switch from GEHA to MHBP, for the higher premium pass-through, and a better investment situation (Vanguard mutual funds through PayFlex versus State Street ETFs through TDAMERITRADE).
by motorcyclesarecool
Tue Nov 13, 2018 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: health savings account as federal employees
Replies: 30
Views: 10636

Re: health savings account as federal employees

I am a current GEHA Health Savings Advantage satisfied customer. GEHA continues to be very good, however, MHBP offers a higher premium pass through, and in my area uses the same Aetna network as GEHA. If you: 1. Max your HSA contributions 2. Don’t anticipate hitting your deductible, and 3. Plan to p...
by motorcyclesarecool
Tue Nov 13, 2018 7:52 am
Forum: Investing - Theory, News & General
Topic: Bloomberg: GE Preferred STOCK in Vanguard short bond funds??
Replies: 14
Views: 1694

Bloomberg: GE Preferred STOCK in Vanguard short bond funds??

https://www.bloomberg.com/view/articles/2018-11-13/ge-s-preferred-stock-looms-large-for-vanguard-and-pimco What is this garbage perpetual preferred stock doing in the Vanguard Short Term Investment Grade Bond Fund? Makes me want to go all individual bonds. The dividends are effectively the security...
by motorcyclesarecool
Mon Nov 12, 2018 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Direct Rollover from Fidelity IRA to TSP
Replies: 3
Views: 277

Re: Direct Rollover from Fidelity IRA to TSP

Yes, I’ve had success. Call them up, get the individual rep on the same page as you. Fax / scan / mail them the TSP-60. I did it both from Fidelity and Vanguard a few years ago. IIRC, Fidelity wasn’t willing to put my TSP account # on the check, but they made out the check to the TSP and mailed it t...
by motorcyclesarecool
Mon Nov 12, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 4797

Re: Do you prefer etfs or mutual funds?

I get all this, but why would you keep anything other than an HSA with lively at TDA? And at such small limits on an HSA, it nullifies the spread issue? If you had an anchored account at TDA for some reason they will pretty much give you a few free trades if you ask in my experience. That's what I ...
by motorcyclesarecool
Mon Nov 12, 2018 8:18 am
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 4797

Re: Do you prefer etfs or mutual funds?

I don't get the comment about spreads with ETFs. If you're using a "total market" type of portfolio, where the ETF trading volume is high, has this ever been an issue for anyone? My experience of trading ETFs has been in the TD Ameritrade platform, and I’ve been trying to stick to their commission-...
by motorcyclesarecool
Sun Nov 11, 2018 6:27 am
Forum: Personal Consumer Issues
Topic: Cars similar to Toyota Corolla LE that I should consider for purchase?
Replies: 36
Views: 3876

Re: Cars similar to Toyota Corolla LE that I should consider for purchase?

Before you go Hyundai, consider a Nissan Altima in the SV trim level.
by motorcyclesarecool
Sat Nov 10, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3670

Re: International Travel during Maternity/Paternity

Get junior the Measles and Pertussis vaccines before you travel, even domestically. Measles can be lethal to infants and lingers in the air for hours after a single infected person walks through. Because measles outbreaks are on the increase due to lack of vaccination, I’d be hesitant to travel anyw...
by motorcyclesarecool
Thu Nov 08, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB HDHP options for Federal Employees
Replies: 28
Views: 2487

Re: FEHB HDHP options for Federal Employees

1. OPM indicates that The effective date of the Open Season change is the first day of the first full pay period in January. For annuitants this date will always be January 1 2. Call the plan administrator to find out how / when they establish the HSA. My conversation with the person who answered th...
by motorcyclesarecool
Thu Nov 08, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB HDHP options for Federal Employees
Replies: 28
Views: 2487

Re: FEHB HDHP options for Federal Employees

Yes. I did it before when I signed up for the NALC (National Association of Letter Carriers) plan for pregnancy #1. Piece of cake.
by motorcyclesarecool
Thu Nov 08, 2018 5:49 pm
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 4797

Re: Do you prefer etfs or mutual funds?

I feel that ETFs have less flexibility in purchasing and selling. I am limited to during business hours and I have to babysit to avoid being hosed on the bid-ask spread. With mutual funds, I can place my order any time and be assured of my execution at a fair price.
by motorcyclesarecool
Thu Nov 08, 2018 7:04 am
Forum: Personal Finance (Not Investing)
Topic: HSA or Not? 1st Child Born in Feb
Replies: 19
Views: 1563

Re: HSA or Not? 1st Child Born in Feb

I'm in 2019 open enrollment trying to decide whether to opt into an HSA or PPO health insurance program, and if I choose the HSA how much I should be contributing on an annual basis - with the main factor being my wife and I will be having out first child in February. I know there are a lot of fact...
by motorcyclesarecool
Thu Nov 08, 2018 5:14 am
Forum: Personal Consumer Issues
Topic: Filing cabinet recommendations
Replies: 10
Views: 760

Re: Filing cabinet recommendations

I got my HON filing cabinets at Staples. They have such a satisfying sound when you close them. I recommend.
by motorcyclesarecool
Wed Nov 07, 2018 5:55 am
Forum: Investing - Help with Personal Investments
Topic: HSA Bank and Trustee to Trustee Fee question for FEHB
Replies: 6
Views: 446

Re: HSA Bank and Trustee to Trustee Fee question for FEHB

Re: PayFlex- keep in mind that once you leave Aetna (or MHBP- they also use PayFlex) they will charge you fees to keep the account open. I’m giving serious thought to switching from GEHA to MHBP for the higher premium pass-through as well as set & forget investment contributions. MHBP also uses the ...
by motorcyclesarecool
Tue Nov 06, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: FEHB HDHP options for Federal Employees
Replies: 28
Views: 2487

Re: FEHB Open Season HDHP shopping: Stay with GEHA or switch to MHBP?

MHBP appears to have health incentives, at least. We expect to purchase extra dental coverage in 2019 through BENEFEDS regardless. I was very pleasantly surprised at how good the basic dental coverage was under GEHA. Definitely something to consider...
by motorcyclesarecool
Mon Nov 05, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB HDHP options for Federal Employees
Replies: 28
Views: 2487

FEHB Open Season HDHP shopping: Stay with GEHA or switch to MHBP?

[Thread merged into here, see below. --admin LadyGeek] It’s almost Civilian Federal Employee health insurance open season, and there have been some changes! We are happy on HDHP and max our HSA every year. This year, OPM has changed the limit on how much of the premium can be contributed by the pla...
by motorcyclesarecool
Fri Nov 02, 2018 5:00 am
Forum: Investing - Theory, News & General
Topic: What does your gut tell you; RMD now or in December?
Replies: 38
Views: 2247

Re: What does your gut tell you; RMD now or in December?

The arguments in favor of lump sum investments at the beginning of the year in accumulation would tend to argue in favor of taking RMDs as a lump sum at the end of the year in decumulation.(Time in the market, dividend reinvestment, etc.) It seems reasonable that if it could be automated to take pla...
by motorcyclesarecool
Mon Oct 29, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: Highlander or Murano 2018 ..
Replies: 36
Views: 2382

Re: Highlander or Murano 2018 ..

We drive a Rogue SV. The highlander by a mile. Has far better tow capacity. Plus the Murano fell off the ugly tree. That look will not age well.
by motorcyclesarecool
Sat Oct 27, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Manage Cash Drag in my HSA
Replies: 4
Views: 397

Re: Manage Cash Drag in my HSA

This is really nothing to do with HSA. The real problem is that you seem averse to keeping even a little cash around, and you end up with logistical problems that aren't worth the hassle. I would suggest just being happy with keeping a month's worth of expenses in an online savings account, so you ...
by motorcyclesarecool
Sat Oct 27, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Manage Cash Drag in my HSA
Replies: 4
Views: 397

Manage Cash Drag in my HSA

My account at HSABank has an auto sweep feature. It allows me to set a balance beyond which the money gets swept automatically to TDAmeritrade, where I have low five figures invested 100% in equities. I’m trying to piece together how to optimize the auto-sweep feature while managing my cash drag. He...
by motorcyclesarecool
Thu Oct 25, 2018 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Buying an apartment in China
Replies: 14
Views: 1627

Re: Buying an apartment in China

Combined deed with a Chinese citizen?, unmarried? dodgy, they will always win any legal battle in China if things go pear shaped. You're just a temporary guest and don't ever forget it. I wouldn’t buy residential real estate in my home country (whose laws I reasonably understand) jointly with a non...
by motorcyclesarecool
Tue Oct 23, 2018 8:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8542
Views: 1671059

Re: U.S. stocks in freefall

With Vanguard now having free ETF trading, I just tax loss harvested from VTI to ITOT. Maybe I’ll go to VOO or SPY tomorrow. Wahoo!
by motorcyclesarecool
Sun Oct 21, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Transition old gifted stock shares to diversified portfolio while decreasing tax hit
Replies: 6
Views: 494

Re: Transition old gifted stock shares to diversified portfolio while decreasing tax hit

How much charitable giving do you normally do in a year? Perhaps you could donate appreciated shares. A donor-advised fund makes it very easy. If you don’t already intend to give to charity, there’s no real benefit.
by motorcyclesarecool
Sun Oct 21, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Bear Market: Invest in Taxable, Bull Market: Pay Down Mortgage?
Replies: 8
Views: 1182

Re: Bear Market: Invest in Taxable, Bull Market: Pay Down Mortgage?

Whatever you choose after that is up to you, but keep in mind paying down mortgage is like adding bonds. So you are basically saying in bear add to stocks and bull add to fixed income. IF you are going to dynamic asset allocation model that is reasonable. So, if a mortgage pay down is like adding a...
by motorcyclesarecool
Sun Oct 21, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Bear Market: Invest in Taxable, Bull Market: Pay Down Mortgage?
Replies: 8
Views: 1182

Bear Market: Invest in Taxable, Bull Market: Pay Down Mortgage?

To the mods: I wasn’t sure whether this topic belongs here or in Investing Theory, News, Etc. Please move as appropriate. If I assume the following: Married filing jointly Accumulation phase AA around 80/20 and annual rebalance Maxing out available tax advantaged savings vehicles (§401(k), HSA, his ...