Search found 762 matches

by motorcyclesarecool
Tue Nov 12, 2019 5:35 am
Forum: Personal Finance (Not Investing)
Topic: HDHP over BCBS Basic for Feds?
Replies: 30
Views: 1304

Re: HDHP over BCBS Basic for Feds?

Would you be able to invest that $1,800 if you don't need to use it that year? I’ve forgotten how much cash HSABank makes you keep on hand before you can push money to TD Ameritrade. Currently, I’m setup to have my “cafeteria plan” payroll contributions made to my Fidelity HSA, which has better inv...
by motorcyclesarecool
Mon Nov 11, 2019 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k + 401k sanity check
Replies: 3
Views: 305

Re: Solo 401k + 401k sanity check

Watching/ bumping this thread. I’m interested to hear what the consensus is.
by motorcyclesarecool
Mon Nov 11, 2019 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP over BCBS Basic for Feds?
Replies: 30
Views: 1304

Re: HDHP over BCBS Basic for Feds?

Got GEHA HDHP and two littles. Works great! Not switching. One has severe food allergies and we hit the deductible every year between that and the usual ear infections. We’ve also used Limited Expense (LEX) FSA in FSAFEDS for when we’ve been able to anticipate major dental work (crowns, etc.) FSAFE...
by motorcyclesarecool
Mon Nov 11, 2019 9:08 pm
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 27
Views: 1595

Re: Snow tires

Hakkapeliittas are the gold standard for winter traction. From Finland. It is no coincidence that the Finns dominate world rally car racing. It is the perfect lab for winter tires. I’ve never put Hakkas on my vehicles. I did spring for Nokian Nordman tires once. Salesman told me they are last year’s...
by motorcyclesarecool
Mon Nov 11, 2019 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP over BCBS Basic for Feds?
Replies: 30
Views: 1304

Re: HDHP over BCBS Basic for Feds?

Got GEHA HDHP and two littles. Works great! Not switching. One has severe food allergies and we hit the deductible every year between that and the usual ear infections. We’ve also used Limited Expense (LEX) FSA in FSAFEDS for when we’ve been able to anticipate major dental work (crowns, etc.) FSAFED...
by motorcyclesarecool
Mon Nov 11, 2019 7:28 am
Forum: Personal Consumer Issues
Topic: 2 days in New York City
Replies: 57
Views: 4241

Re: 2 days in New York City

Resurrecting this thread to ask: what comedy clubs are decent?
by motorcyclesarecool
Mon Nov 11, 2019 7:07 am
Forum: Personal Consumer Issues
Topic: Romantic northeast winter weekend getaway?
Replies: 13
Views: 1632

Re: Romantic northeast winter weekend getaway?

If you’re going to go to Stowe, the Trapp Family Lodge (yes, the people from The Sound of Music) is THE iconic resort to stay at. Get a Tyrol suite or better, and the bell hop will build you a wood fire in your fireplace. Several menu items are raised onsite. The outdoor hot tub at the spa has quite...
by motorcyclesarecool
Sat Nov 09, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Rolling over old 401k into a solo 401k. Pitfalls?
Replies: 13
Views: 4160

Re: Rolling over old 401k into a solo 401k. Pitfalls?

Sorry to resurrect an old thread but I have a question stemming from this precise topic: If I were to open a solo §401(k) for a sideline hobby / business at E*Trade, which appears to allow in-service rollovers to IRAs or other §401(k)s, couldn’t I continuously roll money out to my employer’s §401(k...
by motorcyclesarecool
Fri Nov 08, 2019 8:17 am
Forum: Personal Consumer Issues
Topic: Is selling trees for lumber Immoral?
Replies: 33
Views: 2650

Re: Is selling trees for lumber Immoral?

Do you use lumber? Or paper? How often do you consider the sourcing? The morality of forest products was determined by you long ago.
by motorcyclesarecool
Thu Nov 07, 2019 5:07 am
Forum: Personal Finance (Not Investing)
Topic: Rolling over old 401k into a solo 401k. Pitfalls?
Replies: 13
Views: 4160

Re: Rolling over old 401k into a solo 401k. Pitfalls?

2. If your Solo 401k reaches $250k, you are required to file form 5500. Just one more hoop to jump through; one more thing that can go wrong. Some Solo's may reach this within 4-5 years without rollover of another 401k, because the Solo allows up to around $50k year contribution. Sorry to resurrect...
by motorcyclesarecool
Tue Nov 05, 2019 6:15 am
Forum: Investing - Theory, News & General
Topic: Citizens Bank 5% cash back on everything thru 3/31/20
Replies: 9
Views: 1363

Re: Citizens Bank 5% cash back on everything thru 3/31/20

I received a targeted $500 bonus for opening a platinum checking account with them. All I had to do was use the debit card a few times and receive a single direct deposit of $1000 or more. They’re counting on the fact that most places it’s hard to make changes to your direct deposit. Not so at my em...
by motorcyclesarecool
Fri Nov 01, 2019 2:26 pm
Forum: Personal Investments
Topic: New government worker investing sanity check
Replies: 15
Views: 1005

Re: New government worker investing sanity check

Are your §401(k) plans Traditional, Roth, or some of each? Moving your traditional §401(k) balance to the TSP is a slam-dunk. If you or your spouse have Roth money in your §401(k) you should consider rolling it to a Roth IRA at Fidelity, Schwab, TD Ameritrade, Merrill Edge, E*Trade, or even Vanguard...
by motorcyclesarecool
Tue Oct 29, 2019 6:08 am
Forum: Personal Finance (Not Investing)
Topic: Cash Back Bonuses - Race to $10k
Replies: 28
Views: 5158

Re: Cash Back Bonuses - Race to $10k

May I make some suggestions? 1. Have an annual bonus accrual contest. Starting 1/1/2020. 2. Have different categories of competition: A] Open Class, no restriction on CC spend or investable assets. B] Two Comma Class; >= $1M investable assets. C] Six Figure Class; <= $999,999 >= $100,000 investable ...
by motorcyclesarecool
Sun Oct 27, 2019 8:39 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas for February
Replies: 48
Views: 3921

Re: Vacation ideas for February

1. Get Chase Sapphire 50,000 point bonus.
2. Redeem for 10 nights at Hyatt Place Fort Myers.
3. Thank me.
by motorcyclesarecool
Sun Oct 27, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: MyPayrollHR fraud ripple effects on unrelated company payrolls
Replies: 2
Views: 691

Re: MyPayrollHR fraud ripple effects on unrelated company payrolls

One would think it would be that simple, but it appears that the company in question is a middleman between banking system and payroll processors. Appears to be 2 degrees of separation at least from affected people’s payroll office.
by motorcyclesarecool
Sun Oct 27, 2019 6:22 am
Forum: Personal Finance (Not Investing)
Topic: MyPayrollHR fraud ripple effects on unrelated company payrolls
Replies: 2
Views: 691

MyPayrollHR fraud ripple effects on unrelated company payrolls

It appears that the recent apparently criminal activity of MyPayrollHR is likely to take Cachet Financial with it. Thousands of unrelated companies whose payroll processors rely on Cachet to process their ACH transactions were unable to pay their employees after 10/23, and have scrambled to make oth...
by motorcyclesarecool
Sat Oct 26, 2019 9:15 pm
Forum: Personal Investments
Topic: All Weather Portfolio with TSP
Replies: 9
Views: 1172

Re: All Weather Portfolio with TSP

Because G-Fund is essentially risk-free, if you decide to hold G fund as your sole bond holding, you’ll probably want an overall lower bond allocation to match the overall risk of Dalio’s portfolio.
by motorcyclesarecool
Sun Oct 20, 2019 12:55 pm
Forum: Investing - Theory, News & General
Topic: what was vanguard like before the internet?
Replies: 74
Views: 7298

Re: what was vanguard like before the internet?

Telephone and US mail. once an account was setup, Vanguard provided deposit slips and even franked (postage paid) envelopes to mail checks in to Valley Forge. This! I used to feel like I was swimming in postage paid envelopes! Any mailing from Vanguard included at least one, and deposit slips. That...
by motorcyclesarecool
Sat Oct 19, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Fed w/ non-fed working spouse - HDHP ?
Replies: 14
Views: 1082

Re: Fed w/ non-fed working spouse - HDHP ?

According to IRS Pub. 969, if you have family HDHP coverage, you can contribute the family amount to your HSA. https://www.irs.gov/publications/p969#en_US_2018_publink1000204046 If your spouse is old enough to qualify for catch-up contributions, she would have to have her own HSA to capture that; o...
by motorcyclesarecool
Fri Oct 18, 2019 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Are there HSA matches for Federal employees?
Replies: 39
Views: 2726

Re: Are there HSA matches for Federal employees?

What plan are you looking at that pays $2,400 for HRA but only $1,800 for HSA? Mhbp has the $2400 HSA. Yes and that’s the plan I will likely select, Though the national association of letter carriers (NALC) health plan is about $700/year less for a family and offers $2,400 though as best as I can t...
by motorcyclesarecool
Fri Oct 18, 2019 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Fed w/ non-fed working spouse - HDHP ?
Replies: 14
Views: 1082

Re: Fed w/ non-fed working spouse - HDHP ?

According to IRS Pub. 969, if you have family HDHP coverage, you can contribute the family amount to your HSA. https://www.irs.gov/publications/p969#en_US_2018_publink1000204046 If your spouse is old enough to qualify for catch-up contributions, she would have to have her own HSA to capture that; o...
by motorcyclesarecool
Fri Oct 18, 2019 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Fed w/ non-fed working spouse - HDHP ?
Replies: 14
Views: 1082

Re: Fed w/ non-fed working spouse - HDHP ?

According to IRS Pub. 969, if you have family HDHP coverage, you can contribute the family amount to your HSA. https://www.irs.gov/publications/p969#en_US_2018_publink1000204046 If your spouse is old enough to qualify for catch-up contributions, she would have to have her own HSA to capture that; ot...
by motorcyclesarecool
Fri Oct 18, 2019 6:29 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 5312

Re: FEHB Open Season 2019

I have recently left GEHA, and now HSA Bank charges me $2/month. What are good options for holding a ~$40k HSA account used as savings (not investments) for ~$3k-$4k annual withdrawals? Victoria Fidelity HSA charges no fees and has online bill pay on the website. (The app doesn’t do online bill pay...
by motorcyclesarecool
Fri Oct 18, 2019 6:21 am
Forum: Personal Finance (Not Investing)
Topic: Fed w/ non-fed working spouse - HDHP ?
Replies: 14
Views: 1082

Re: Fed w/ non-fed working spouse - HDHP ?

There’s something I don’t understand from your posts:

Why can’t you elect family coverage on whatever FEHB HDHP for you and the kids, and she continues using her employer’s $0 option? Why couldn’t that scenario work?
by motorcyclesarecool
Thu Oct 17, 2019 7:23 pm
Forum: Personal Investments
Topic: HSA Bank and Trustee to Trustee Fee question for FEHB
Replies: 14
Views: 1322

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

I have HSA Bank and Fidelity HSAs. I found it very easy to push funds from HSA Bank to TD Ameritrade, and then do an ACATS transfer to Fidelity. Very easy process. No paper needed from me.
by motorcyclesarecool
Thu Oct 17, 2019 6:41 am
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6296

Re: car battery change or not? 2 year old battery

If it were an airplane or a boat, I’d say replace it. Since it’s a car, I’d run to failure. Unless I lived in or commuted through a violent area. If I lived there, I’d replace my battery annually.
by motorcyclesarecool
Wed Oct 16, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Are there HSA matches for Federal employees?
Replies: 39
Views: 2726

Re: Are there HSA matches for Federal employees?

Can this information also be found in the health insurance brochure: if the fees will be waived? Thank you for this great extra tip. I think it can; check the brochure for the plan you use. Are a HSA and a HRA the same thing? I found a plan that offers HRA, is that different from an HSA in any way?...
by motorcyclesarecool
Tue Oct 15, 2019 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Open Enrollment - to HSA or not HSA?
Replies: 21
Views: 2942

Re: Open Enrollment - to HSA or not HSA?

When deciding whether to HDHP for kid #2, I took all the Explanations of Benefit (EOBs) for the year kid #1 was born (on a PPO plan), assumed the negotiated rates would remain “in the ballpark” between insurers, and ran the the numbers in Excel. I found out that I would have paid less with HDHP. The...
by motorcyclesarecool
Tue Oct 15, 2019 5:19 am
Forum: Investing - Theory, News & General
Topic: Isn't lack of transparency in China a huge risk for international stock index?
Replies: 132
Views: 11783

Re: Isn't lack of transparency in China a huge risk for international stock index?

Yes.
Cooked books is always a risk. With U.S. securities of all types, too.

The real question is whether you’re being sufficiently remunerated for the risk you’re taking.
by motorcyclesarecool
Tue Oct 15, 2019 5:16 am
Forum: Personal Finance (Not Investing)
Topic: Are there HSA matches for Federal employees?
Replies: 39
Views: 2726

Re: Are there HSA matches for Federal employees?

If your pass through is $1200, I assume the insurance company deposits $100 to your HSA account each month or maybe it’s per paycheck. But either way, is that your money to have in future years? If you don’t use that $1200 in a year and you switch health insurance companies to a new plan which also...
by motorcyclesarecool
Tue Oct 15, 2019 5:10 am
Forum: Personal Finance (Not Investing)
Topic: Are there HSA matches for Federal employees?
Replies: 39
Views: 2726

Re: Are there HSA matches for Federal employees?

But if you use your insurer's HSA provider, fees are likely to be waived, which may make it worth staying with that provider. Can this information also be found in the health insurance brochure: if the fees will be waived? Thank you for this great extra tip. I think it can; check the brochure for t...
by motorcyclesarecool
Mon Oct 14, 2019 8:47 pm
Forum: Personal Investments
Topic: Federal payflex HSA fees (switching plans)
Replies: 1
Views: 186

Re: Federal payflex HSA fees (switching plans)

Fidelity has a free HSA with a universe of low cost investment options and a decent online bill pay from the website.
by motorcyclesarecool
Mon Oct 14, 2019 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 5312

Re: FEHB Open Season 2019

I have recently left GEHA, and now HSA Bank charges me $2/month. What are good options for holding a ~$40k HSA account used as savings (not investments) for ~$3k-$4k annual withdrawals? Victoria Fidelity HSA charges no fees and has online bill pay on the website. (The app doesn’t do online bill pay...
by motorcyclesarecool
Mon Oct 14, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Selling used car experience (dealer vs online vs in person)
Replies: 28
Views: 2815

Re: Selling used car experience (dealer vs online vs in person)

bloom2708 wrote:
Mon Oct 14, 2019 8:39 am

List on Craigslist for $5. Describe the good and the bad in detail.
A $5.00 listed car on CL would attract all sorts of attention I suppose.
by motorcyclesarecool
Mon Oct 14, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: Car renting
Replies: 29
Views: 2421

Re: Car renting

The Dow component megacorp where I used to work had a screaming employee discount code with Hertz. It gave me a cheaper rate than I could find on Kayak, and for free it included the extra insurance that I never willingly buy on my own. Hertz cars tended to have higher mileage, but after joining #1 C...
by motorcyclesarecool
Mon Oct 14, 2019 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Selling used car experience (dealer vs online vs in person)
Replies: 28
Views: 2815

Re: Selling used car experience (dealer vs online vs in person)

I’ve only sold a car private party when selling a beater. I typically unload my car after passing it’s annual state inspection, when I don’t think it’ll pass next year. I take photos of the tire treads, all the rusty places, and the inspection sticker for Craigslist. I usually ask $1000 but I’m will...
by motorcyclesarecool
Thu Oct 10, 2019 5:06 am
Forum: Personal Finance (Not Investing)
Topic: Making money with oversized rooftop solar system?
Replies: 22
Views: 2664

Re: Making money with oversized rooftop solar system?

Where I live, the utilities have broken down the bill into a rate per kWH, and a daily fee to access the grid. Additionally, grid connected solar users can zero out their electric bills, but they cannot collect a profit. So you’d have to do something else with the excess electricity to actually turn...
by motorcyclesarecool
Wed Oct 09, 2019 8:14 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9460

Re: Do you carry your passport with you during international travel?

We also use passports when flying domestically because one time the TSA officer in a faraway city didn’t think my Enhanced DL was from a real state. He hand-wrote an SSSS on my boarding pass and got very special treatment on the remainder of my trip.
by motorcyclesarecool
Wed Oct 09, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9460

Re: Do you carry your passport with you during international travel?

Yes. Outside North America I keep it on me. I keep a photocopy of the biometric page and relevant visas in my luggage to assist if I ever need to use consular services for a new one.
by motorcyclesarecool
Tue Oct 08, 2019 1:46 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 5312

Re: FEHB Open Season 2019

OPM has posted some documents indicating 2020 premiums for FEHB plans, but doesn’t appear to have fully rolled out Open Season info as of yet.
by motorcyclesarecool
Tue Oct 08, 2019 1:44 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 76
Views: 5312

FEHB Open Season 2019

I noticed yesterday that GEHA has published their 2020 HDHP brochure, as well as the long-anticipated brochure for their two tiers of indemnity plan. Health Savings Advantage, my current plan, is seeing a modest premium increase. It appears the pass through to my HSA will remain unchanged from 2019....
by motorcyclesarecool
Mon Oct 07, 2019 4:25 am
Forum: Personal Consumer Issues
Topic: Adding middle name to SSN and Passport
Replies: 17
Views: 1799

Re: Adding middle name to SSN and Passport

The best time to make a legal name change was at naturalization. If the naturalization certificate contained the middle name, then that would be an excellent basis on which to document the name change on other documents. What did she tell the officer who asked her full, legal name? As it and the U....
by motorcyclesarecool
Mon Oct 07, 2019 4:01 am
Forum: Personal Consumer Issues
Topic: Adding middle name to SSN and Passport
Replies: 17
Views: 1799

Re: Adding middle name to SSN and Passport

The best time to make a legal name change was at naturalization. If the naturalization certificate contained the middle name, then that would be an excellent basis on which to document the name change on other documents. What did she tell the officer who asked her full, legal name? As it and the U.S...
by motorcyclesarecool
Thu Oct 03, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Would or should you tip AAA road assistance?
Replies: 67
Views: 4862

Re: Would or should you tip AAA road assistance?

Last time I needed a AAA tow, I gave the driver an orange, a banana, and a fresh bottled water.
by motorcyclesarecool
Wed Oct 02, 2019 3:38 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1966
Views: 325357

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Today I felt a great disturbance in the force. It's as though the marketing managers for dozens of brokers cried out and shifted to commission-free trades instead of brokerage transfer bonuses. The Great Interactive Brokening of 2019 has arrived. I humbly suggest that if you've been eyeing a bonus,...
by motorcyclesarecool
Sun Sep 29, 2019 6:30 am
Forum: Personal Finance (Not Investing)
Topic: HSA & Patient Assistance Programs
Replies: 6
Views: 356

Re: HSA & Patient Assistance Programs

You can have an HSA when on Medicare but you cannot contribute to it.

Don’t know about your main question.
by motorcyclesarecool
Sun Sep 29, 2019 6:25 am
Forum: Investing - Theory, News & General
Topic: How much cash do you keep in your HSA?
Replies: 63
Views: 4785

Re: How much cash do you keep in your HSA?

We don’t currently max our tax advantaged savings opportunities. The last two years I haven’t been able to max out my TSP but have been maxing my HSA and managed to max our IRAs. Therefore, I’ve been using our HSA to pay current medical expenses in order to free up cash flow for packing my TSP. I ha...
by motorcyclesarecool
Thu Sep 26, 2019 5:09 am
Forum: Personal Investments
Topic: Voya 457b rollover to Vanguard SD IRA
Replies: 1
Views: 181

Re: Voya 457b rollover to Vanguard SD IRA

Your concerns are valid. Have you considered the following ways to be able to access a Traditional IRA balance without paying the early withdrawal penalty? 1. Unreimbursed medical expenses that exceed 10% of AGI. 2. You become permanently disabled and unable to work. 3. You use it to pay qualified e...
by motorcyclesarecool
Mon Sep 23, 2019 7:46 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1966
Views: 325357

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Initiated transfer of assets from TDA to Merrill on Sunday. Got a call from local TDA rep today asking what he can do to keep our business. I told him he could give us a $500 retention bonus. He countered with $500 + $200 in cash or gift cards if we were to transfer in another six figures. I said th...