Search found 615 matches

by motorcyclesarecool
Thu Jan 17, 2019 6:51 am
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 189
Views: 11071

Re: Why are you NOT buying rental properties?

The laws in my jurisdiction are inconceivably solicitous towards deadbeat tenants. And now they’re making it harder to weed out the deadbeats. No thank you.
by motorcyclesarecool
Tue Jan 15, 2019 7:54 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 64978

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

I’m guessing that non-bh types doing cash-only HSAs are staying put. I’m also guessing that employer-sponsored HSAs (especially with an employer contribution and/or cafeteria plan payroll deductions) will be staying put for now. I’m interested to see what PayFlex/AETNA/CVS will do in response.
by motorcyclesarecool
Tue Jan 15, 2019 6:26 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1450
Views: 237388

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Did anyone do the HSBC $750 offer? https://www.us.hsbc.com/checking-accounts/campaigns/premier-offer/?irgwc=1&cid=AFF0000067 I opened the checking account, but I never could figure out how to open an investment account. Every link I found either was dead or took me somewhere irrelevant. It appears ...
by motorcyclesarecool
Sun Jan 13, 2019 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Understanding Chubb’s “deductible reserve”
Replies: 6
Views: 465

Re: Understanding Chubb’s “deductible reserve”

How is this different from “vanishing deductible” gimmickry?
by motorcyclesarecool
Sat Jan 12, 2019 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Convert 401K to tIRA?
Replies: 2
Views: 238

Re: Convert 401K to tIRA?

However, my tIRA balance is currently zero, so rolling over the 401K to a tIRA would cause any future tIRA to Roth IRA conversions to incur taxes on nearly 100% of the conversions. So nondeductible tIRA contributions I do could no longer be converted to Roth w/o incurring taxes. This seems to be a ...
by motorcyclesarecool
Sat Jan 12, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: Fidelity HSA: Bill Pay Works From Website, Not in App
Replies: 2
Views: 192

Re: Fidelity HSA: Bill Pay Works From Website, Not in App

whodidntante wrote:
Sat Jan 12, 2019 6:40 pm
I don't spend the money in my HSA. But if I did, I think I would use a rewards credit card and then withdraw money via ACH to pay the credit card bill. You do not need to pay the medical expenses directly.
So I’ll take that as a, “No.”
by motorcyclesarecool
Sat Jan 12, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: Fidelity HSA: Bill Pay Works From Website, Not in App
Replies: 2
Views: 192

Fidelity HSA: Bill Pay Works From Website, Not in App

When I attempt to use Online Bill Pay for my HSA in the Fidelity iPhone app, I get an error stating, “We’re sorry but HSA accounts are not available for use with Fidelity BillPay, please select another account.” When I use the Fidelity website, no problem using the bill pay feature from my HSA. My a...
by motorcyclesarecool
Fri Jan 11, 2019 6:50 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1450
Views: 237388

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

New bonus alert. $200 for 25k at Chase You Invest. https://accounts.chase.com/youinvest/trade/offer?jp_cmp=rb/Chase_Brand_Exact_You+Invest_SEM_US_No+xLOB_Standard_NA/sea/p38425640377/You+Invest I didn’t see cost to transfer out/close account after bonus. Also didn’t see if they’ll cover any fees ch...
by motorcyclesarecool
Tue Jan 08, 2019 11:09 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12584

Re: Recommendations for a 9mm handgun

I will add that the requirement to pull the Glock trigger before disassembly contributes to a higher than normal negligent discharge rate with the Glock compared with other makers. +1. Almost anybody can be trained to properly use almost any handgun effectively. Figure out what works for you. The a...
by motorcyclesarecool
Mon Jan 07, 2019 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tech budget to fix issues
Replies: 26
Views: 1633

Re: Vanguard Tech budget to fix issues

One way or another, it just doesn’t really affect me. I’ve transferred my Roth to Fidelity. Only my taxable account remains. And at some point I’ll convert MFs to ETF shares and ACATS them to Fidelity, too. I’ve had it with their customer service and IT incompetence. So what if I lose my Voyager Sel...
by motorcyclesarecool
Sat Jan 05, 2019 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Tax Correction - Worth It? (Likely Investigation)
Replies: 12
Views: 1112

Re: 2016 Tax Correction - Worth It? (Likely Investigation)

I have a different opinion. I don't think it will be popular. If you were fairly certain the birth parents had not claimed him, it's worth it and no big deal. But let's say they did claim him. Something in their lives was completely out of whack in 2016 for them to give up their baby or have their ...
by motorcyclesarecool
Sat Jan 05, 2019 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 273
Views: 44559

Re: TSP vs Fidelity Zeroes

When I retire, unless something changes, I’ll be taking a significant fraction of my TSP balance with me (except whatever G-Fund allocation I desire) and putting it into cheaper vehicles. Multiply that out by a substantial fraction of retiree Feds, and FRTIB might be looking at a death spiral if th...
by motorcyclesarecool
Fri Jan 04, 2019 6:57 am
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7309

Re: Engagement Ring (Affordable)

Much appreciated, thank you all! Shame it’s become such a social pressure/competition for people. My girlfriend’s brother just dropped 15k on a ring that looks pretty meh, which terrified me haha To put a boglenerd spin on this thread, could gf’s brother’s purchase be a source of anchoring bias? Ho...
by motorcyclesarecool
Thu Jan 03, 2019 8:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1782082

Re: U.S. stocks in free fall

My stop order wasn’t triggered today. Maybe tomorrow? I wonder why more people don’t use stop orders to automate their TLH? Because when you need them the most is when they are the least likely to work. If the decline is rapid enough, there's no guarantee your order will process even as the market ...
by motorcyclesarecool
Thu Jan 03, 2019 7:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1782082

Re: U.S. stocks in free fall

My stop order wasn’t triggered today. Maybe tomorrow? I wonder why more people don’t use stop orders to automate their TLH?
by motorcyclesarecool
Thu Jan 03, 2019 7:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1782082

Re: U.S. stocks in free fall

Oh, we’re getting close to post # 10,000. Who will it be?
by motorcyclesarecool
Wed Jan 02, 2019 7:10 am
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 130
Views: 6109

Re: 2019 Hedge Fund Contest

Low Tech Transport Fund

Short
TSLA
GE
IBM

Long
BRK.B
EGLE
CSX
by motorcyclesarecool
Tue Jan 01, 2019 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Federal Employees: HDHP, HSA and Limited FSA--Can I use FSA for medical expenses?
Replies: 16
Views: 593

Re: Federal Employees: HDHP, HSA and Limited FSA--Can I use FSA for medical expenses?

OP, I have a feeling it’s not offered by our employer. But you’ve identified something for which we can begin to advocate. Relevant quote from the other thread (emphasis mine) Sorry -- I just saw this. Payflex and Aetna both have info on post-deductible FSA plans. The IRS info I found was in: https:...
by motorcyclesarecool
Tue Jan 01, 2019 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Federal Employees: HDHP, HSA and Limited FSA--Can I use FSA for medical expenses?
Replies: 16
Views: 593

Re: Federal Employees: HDHP, HSA and Limited FSA--Can I use FSA for medical expenses?

Since you have to demonstrate that you have met your deductible before a limited FSA can be used for medical expenses, that demonstration would have to be Wageworks, right? So if Wageworks says you can use a limited FSA for expenses other than dental and vision, their rules apply? Nowhere (not even...
by motorcyclesarecool
Tue Jan 01, 2019 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Federal Employees: HDHP, HSA and Limited FSA--Can I use FSA for medical expenses?
Replies: 16
Views: 593

Re: Federal Employees: HDHP, HSA and Limited FSA--Can I use FSA for medical expenses?

Wageworks administers but the buck stops with OPM. If you call FSAFeds it’ll more likely than not be a Wageworks employee who answers. I still believe FSAFEDS is the one to call.
by motorcyclesarecool
Tue Jan 01, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Should I do Married and 4 or?
Replies: 3
Views: 538

Re: Should I do Married and 4 or?

I don’t know, but this can give you a solid answer:
https://apps.irs.gov/app/withholdingcalculator/
by motorcyclesarecool
Tue Jan 01, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Snow Plowing
Replies: 54
Views: 2498

Re: Snow Plowing

Much of that will depend on length of driveway and market conditions. Most plowers in my area charge per visit. A friend who owns a landscape company operates a fleet of tractors with forward facing industrial scale snow blowers on the rear 3 point hitch. He can clear a driveway much faster than a s...
by motorcyclesarecool
Tue Jan 01, 2019 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Chase sapphire reserve points
Replies: 19
Views: 2305

Re: Chase sapphire reserve points

I’ve successfully booked Southwest flights using Ultimate Rewards points by the following process: 1. Search for flights on Southwest website, selecting “pay with points” option. 2. Get to screen listing total points and 9/11 taxes due 3. Open a new tab. Logon to Chase UR website. 4. Transfer only t...
by motorcyclesarecool
Tue Jan 01, 2019 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Paid your out of pocket maximum? Think again
Replies: 15
Views: 2320

Re: Paid your out of pocket maximum? Think again

If you paid both the hospital and the pharmacy from an HSA, you might want to talk to your HSA custodian about how to handle the refund check, lest you wind up with an unqualified distribution.
by motorcyclesarecool
Tue Jan 01, 2019 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Withholding Calculator for 2019 and Shutdown...
Replies: 4
Views: 820

Re: Withholding Calculator for 2019 and Shutdown...

Well, it appears the IRS has allowed the withholding calculator to remain functional for the new year. Now I know.
by motorcyclesarecool
Sun Dec 30, 2018 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Withholding Calculator for 2019 and Shutdown...
Replies: 4
Views: 820

Re: Withholding Calculator for 2019 and Shutdown...

Why would you think the calculator might stop working in 2019? Since it works today why not use it today? The sky isn’t going to fall. Why raise a post talking about a partial shutdown (clearly a politically charged topic)? Please don’t create work for the admins. Cheers The calculator only works f...
by motorcyclesarecool
Sun Dec 30, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Withholding Calculator for 2019 and Shutdown...
Replies: 4
Views: 820

Withholding Calculator for 2019 and Shutdown...

Ever since joining this forum, one of my new year’s rituals has been to fiddle with the IRS Withholding Calculator. For 2018, I had to be patient due to the tax reform. (I was ultimately very pleased with the current version once it rolled out, as it dealt with §401(k) contributions in a manner far ...
by motorcyclesarecool
Sat Dec 29, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation in Fort Myers
Replies: 16
Views: 1512

Re: Vacation in Fort Myers

I was having dinner at the Bubble Room in Captiva and about 20 minutes after we arrived, Walter Mondale and his party were seated behind our table. I had to do a double take.
by motorcyclesarecool
Sat Dec 29, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to afford a sports car?
Replies: 128
Views: 8939

Re: How to afford a sports car?

TL; dr:
MIATA
Is
Always
The
Answer
by motorcyclesarecool
Sat Dec 29, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: Utah 529 plan changing age-based glide paths
Replies: 17
Views: 2382

Re: Utah 529 plan changing age-based glide paths

You are permitted to make two changes per calendar year. Seeing as Monday is the last day of trading for 2018, you are just in time. You can create a custom designed allocation or switch into other investments. Im not currently an account owner: I’m looking to roll over most of my 529 balances beca...
by motorcyclesarecool
Sat Dec 29, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Utah 529 plan changing age-based glide paths
Replies: 17
Views: 2382

Re: Utah 529 plan changing age-based glide paths

Sorry to revive / hijack an old-ish thread: I’m trying to understand from the My529.org website whether it is possible to adjust the custom glide path over time, or change the date at which the AA adjusts? In my mind, AA should be based on the school year instead of the kid’s age, because some kids ...
by motorcyclesarecool
Fri Dec 28, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Superautomatic espresso machines
Replies: 36
Views: 2344

Re: Superautomatic espresso machines

What sort of maintenance / cleaning is required for a Nespresso machine? Its tempting and it seems like the machines are cheap ($125 for an evoluo) but the pods are about $1.25 for the Virtuoline coffee. Compared to maybe 40-50 cents if I bought beans at $10-12 bag and used a Super Automatic. So sa...
by motorcyclesarecool
Fri Dec 28, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Superautomatic espresso machines
Replies: 36
Views: 2344

Re: Superautomatic espresso machines

What sort of maintenance / cleaning is required for a Nespresso machine? Its tempting and it seems like the machines are cheap ($125 for an evoluo) but the pods are about $1.25 for the Virtuoline coffee. Compared to maybe 40-50 cents if I bought beans at $10-12 bag and used a Super Automatic. So sa...
by motorcyclesarecool
Thu Dec 27, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: HSA pre-tax (with only one financial institution) vs after tax (more choices)
Replies: 14
Views: 837

Re: HSA pre-tax (with only one financial institution) vs after tax (more choices)

Wait a tic, does California tax HSAs? I wonder how the method of contributing impacts state taxation of your HSA?
by motorcyclesarecool
Thu Dec 27, 2018 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employee new HSA in 2019
Replies: 4
Views: 345

Re: Federal employee new HSA in 2019

With great respect to Grabiner, a more generally applicable answer to the question is found in the OPM Open Season FAQ: https://www.opm.gov/faqs/QA.aspx?fid=fd635746-de0a-4dd7-997d-b5706a0fd8d2&pid=28ef7a84-7540-4946-b282-42b916d85778 Your enrollment takes effect the first full pay period of 2019. I...
by motorcyclesarecool
Thu Dec 27, 2018 6:38 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1782082

Re: U.S. stocks in free fall

Volume was well below average yesterday. I’d feel better about buyers outnumbering sellers if volume were high. Makes me wonder if the AlgoBots will decide today is a good day to sell?

I for one welcome our new Algo Overlords.
by motorcyclesarecool
Wed Dec 26, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: Is there a Nassim Taleb portfolio?
Replies: 38
Views: 4337

Re: Is there a Nassim Taleb portfolio?

I’ve used Taleb’s observations to fine tune my investment philosophy, but I have not embraced his wholeheartedly. In The Black Swan Taleb observed that a very small number of days’ movements accounts for a disproportionate share of the stock market’s gains (or losses) for the year. From his observat...
by motorcyclesarecool
Tue Dec 25, 2018 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help with whittling
Replies: 6
Views: 673

Re: Help with whittling

I never got past making pointy sticks when camping.
by motorcyclesarecool
Tue Dec 25, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1782082

Re: U.S. stocks in free fall

Wahoo! I just TLH’d again! Thanks for the vast universe of TLH partners, Vanguard! I am about to add the European and Pacific Index Funds to my set of partners, starting to have to go deep..... With commission free ETFs, I can go VTI - ITOT - SPTM - SCHB - VOO - SPY - virtually forevermore. I'm pre...
by motorcyclesarecool
Mon Dec 24, 2018 10:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1782082

Re: U.S. stocks in free fall

retiringwhen wrote:
Mon Dec 24, 2018 2:13 pm
motorcyclesarecool wrote:
Mon Dec 24, 2018 11:03 am
Wahoo! I just TLH’d again! Thanks for the vast universe of TLH partners, Vanguard!
I am about to add the European and Pacific Index Funds to my set of partners, starting to have to go deep.....
With commission free ETFs, I can go VTI - ITOT - SPTM - SCHB - VOO - SPY - virtually forevermore.
by motorcyclesarecool
Mon Dec 24, 2018 11:03 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1782082

Re: U.S. stocks in free fall

Wahoo! I just TLH’d again! Thanks for the vast universe of TLH partners, Vanguard!
by motorcyclesarecool
Sun Dec 23, 2018 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Are some insurance polcies philosophically similar to gambling?
Replies: 57
Views: 2892

Re: Are some insurance polcies philosophically similar to gambling?

Peri mutuel gambling on horse races is slightly more insurance-like than playing the slots. One can hedge against multiple outcomes. The price of a bet (or odds) changes in real time in response to market interest. A sure thing costs per dollar of winnings more than a long shot. The house charges a ...
by motorcyclesarecool
Sun Dec 23, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Home Heating Advice
Replies: 72
Views: 5688

Re: Home Heating Advice

I’d try oil before propane for cost. Home heating oil price is effectively capped by the price of untaxed, off road diesel. Propane you are often captive with a less-than-scrupulous player, and the retail market has less price sensitivity.
by motorcyclesarecool
Sun Dec 23, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Currency Exchange
Replies: 5
Views: 337

Re: Currency Exchange

I’d love it if there were an Austro-American version of Norbert’s Gambit, that Canadians are able to use to exchange CAD and USD.

https://www.moneysense.ca/magazine-arch ... s-dollars/
by motorcyclesarecool
Sun Dec 23, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1782082

Re: U.S. stocks in free fall

Actually, if you are in de-cumulation phase (taking regular income from your portfolio), you are most probably using dollars invested many years ago, so you still should be living mostly on profits and earnings, not the original dollars. You aren't supposed to be living on money invested in the las...
by motorcyclesarecool
Thu Dec 20, 2018 7:30 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1782082

Re: U.S. stocks in free fall

More TLH yesterday! With Vanguard’s free ETF trades, I have sooo many partners to choose from. It’s the one thing keeping me from making Fidelity my one-stop shop. I love offsetting income. Then, in bull market years, I can donate appreciated shares to meet my charitable goals. No downsides to marke...
by motorcyclesarecool
Wed Dec 19, 2018 5:24 am
Forum: Investing - Help with Personal Investments
Topic: Two principles seemingly at odds re: Roth IRAs
Replies: 12
Views: 1507

Re: Two principles seemingly at odds re: Roth IRAs

I’d say the answer will vary in part depending on whether the individual is in accumulation or drawdown mode. I’m trying to keep my Roth space 100% stock, and only hold bonds in tax-deferred. Years from now when I intend to draw down, my AA will be much more bond heavy, and I’ll probably have to dev...