Search found 25 matches

by dave_m_
Wed Feb 25, 2015 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Account Was Compromised
Replies: 8
Views: 1229

Re: HSA Account Was Compromised

I've never activated my HSA debit card, I wonder if it could be used or compromised? I guess it's around somewhere, but I would never know if it was missing.
by dave_m_
Wed Feb 25, 2015 1:26 am
Forum: Personal Finance (Not Investing)
Topic: HSA Account Was Compromised
Replies: 8
Views: 1229

Re: HSA Account Was Compromised

You should definitely receive a corrected 1099, have you asked the custodian when to expect it? I corrected an issue with my HSA account and they had a new 1099 available relatively quickly.
by dave_m_
Mon Feb 23, 2015 5:14 pm
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 92
Views: 18347

Re: why do some people like Fidelity?

As other have mentioned, the cash back credit cards and also their Spartan Extended Market Index fund actually has lower fees than Vanguard. The combination of both of those is why I still have a Fidelity account open even after transferring most assets to Vanguard.
by dave_m_
Mon Feb 23, 2015 3:56 pm
Forum: Investing - Theory, News & General
Topic: My review of the Wells Fargo HSA
Replies: 11
Views: 4210

My review of the Wells Fargo HSA

I thought I'd relay my experiences with Wells Fargo HSA, which isn't a common recommendation here, but works for me. Like some other firms, they split the account into a deposit account and an investment account, with the option to transfer balances above $2000 from the deposit account to the invest...
by dave_m_
Fri Feb 20, 2015 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Why don't I see more people arguing for a world portfolio?
Replies: 41
Views: 4288

Re: Why don't I see more people arguing for a world portfoli

I think it's just a matter of degrees and expense ratios. I see posts arguing for international exposure everywhere, the LifeStrategy and Target Retirement funds at Vanguard have an international component and are being recommended all the time. The lazy portfolio recommendations in the wiki include...
by dave_m_
Thu Feb 19, 2015 3:03 pm
Forum: Investing - Theory, News & General
Topic: 20% of portfolio in High Yield Bonds?
Replies: 32
Views: 3547

Re: 20% of portfolio in High Yield Bonds?

I'm a fan of a limited HY Bond allocation, but it's definitely an asset class that produces mixed opinions. My reasons for including it (aside from yield) are added diversification and lack of correlation with other asset classes, both fixed income and stocks. If the majority of someone's bond alloc...
by dave_m_
Fri Feb 13, 2015 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 85
Views: 1101120

Re: Costco/AmEx relationship ending. New Costco MasterCard?

I'll be curious to see what the new benefits are on the replacement card, the 4% cash back on the fuel purchases for the Costco AMEX Business would be what I would miss most.
by dave_m_
Fri Feb 06, 2015 12:01 am
Forum: Personal Consumer Issues
Topic: Cable Modem
Replies: 19
Views: 2562

Re: Cable Modem

Comcast has raised their rental rates in this area to near $10 / month. At that point it's pretty hard not to come out ahead even if the modem doesn't last very long.
by dave_m_
Thu Feb 05, 2015 4:18 am
Forum: Investing - Help with Personal Investments
Topic: SP 500 Index Fund vs Total Stock Market index fund
Replies: 55
Views: 26840

Re: SP 500 Index Fund vs Total Stock Market index fund

This is speculation, but I'm guessing a lot of retirement plans have a decent S&P 500 Index fund among the other not so good choices in their 401k plan, so in this case the recommendation becomes fairly solid advice. It's the minority of people who both don't have an employer 401k and do have a reti...
by dave_m_
Wed Feb 04, 2015 4:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 6720

Re: Vanguard survey: what should they do differently?

1. Offer individual HSA accounts
2. Offer a cash back credit card (similar to the Retirement/Investments rewards ones from Fidelity)
by dave_m_
Thu Jan 22, 2015 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: $50,000 to invest, want little to no risk. CDs? Silver? Etc?
Replies: 37
Views: 5577

Re: $50,000 to invest, want little to no risk. CDs? Silver?

For no risk, CDs are kind of the obvious choice. For the little risk, putting a portion in something like Vanguards LifeStrategy Income Fund could be an option worth looking at.
by dave_m_
Thu Jan 22, 2015 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Real 3% (CPI plus 3% guaranteed)
Replies: 21
Views: 2467

Re: Real 3% (CPI plus 3% guaranteed)

countmein wrote:If it's for real and guaranteed then clearly you'd be silly not to put 100% of your $ into it (not just the bond side).
I don't know that 100% is a wise decision, no matter the guarantee. It may be a fantastic deal, but there has to be some risk to it.
by dave_m_
Wed Jan 21, 2015 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 212
Views: 28069

Re: HSA... any receipt savers?

For anyone that does need to withdraw money from an HSA, and isn't sure how reliable their receipt tracking has been, most doctors offices will give you an account summary of all your payments. Obviously the longer it's been, the more chance for something to have changed in their billing offices.
by dave_m_
Wed Jan 21, 2015 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid eligibility and cap gains
Replies: 4
Views: 1622

Re: Medicaid eligibility and cap gains

This will definitely be a complicated situation, because another $20k in income most likely made her ineligible for Medicaid. But that may have only applied to 2014 after the extra income was earned, and if her income is back to "normal" in 2015, she's probably eligible for Medicaid in 2015 again. T...
by dave_m_
Fri Jan 16, 2015 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 32604

Re: Amex Fidelity CC 2% Cash Back

Amex fidelity is one of my go-to cards (along with Blue Preferred) but one thing really bugs me. Perhaps I've missed it, but I can't find a way to automatically pay my bill, in full, every month. I worry that one month I'll forget and that the fees will pile up. EVERY other credit card I own is "se...
by dave_m_
Wed Jan 14, 2015 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 32604

Re: Amex Fidelity CC 2% Cash Back

The AMEX card certainly isn't accepted everywhere, but there is a similar Fidelity Investment Rewards Visa card that has 1.5% cash back as well. Works almost identically to the AMEX, and is also managed through FIA Card Services. Unless there are special promotions on other cards, the two Fidelity c...
by dave_m_
Wed Jan 14, 2015 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 32604

Re: Amex Fidelity CC 2% Cash Back

I've used this as my main card for quite a while, no problems with the customer service or with the transfers to Fidelity. Depending on what is needed, I've had the contributions go directly to an IRA and sometimes to the cash management account.
by dave_m_
Wed Jan 14, 2015 2:41 am
Forum: Investing - Theory, News & General
Topic: Psychology vs. Fundamentals of investing
Replies: 61
Views: 6097

Re: Psychology vs. Fundamentals of investing

And thirdly, the code is more what you'd call "guidelines" than actual rules. Even the wiki is mostly "here are some options, with pros and cons". There's no "best" asset allocation and no single "correct" portfolio, so I see it all as a matter of degrees. For me, most of my bond allocation is in t...
by dave_m_
Mon Jan 12, 2015 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Ever get 'Antsy' following BH
Replies: 26
Views: 3712

Re: Ever get 'Antsy' following BH

'Antsy' at the beginning of the year, wishing I already had the cash around to immediately max out HSA / Roth contributions? Sure

'Antsy' about where those contributions would be going? No. More or less I just use the three fund portfolio, so it's just a matter of sticking to my target allocation.
by dave_m_
Mon Jan 12, 2015 8:28 pm
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 19118

Re: What is the international portion of your portfolio and

Asset allocation is 70/30, and of the 70% approximately 35% is in Vanguard Total International Stock Index. That's not a hard 35%, anywhere between 30 and 40 is close enough. I picked 35 as the target because it was in the range suggested by others with more experience than myself and was also somet...
by dave_m_
Sun Jan 11, 2015 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Self employed - Exploring Medical insurance options
Replies: 4
Views: 658

Re: Self employed - Exploring Medical insurance options

There are HSA plans on the Washington State exchange. Is COBRA or continuing your current insurance an option?
by dave_m_
Fri Jan 09, 2015 4:31 pm
Forum: Personal Consumer Issues
Topic: retirement coming, health insurance?
Replies: 26
Views: 4079

Re: retirement coming, health insurance?

If you are close to Medicare age, the Obamacare subsidies are probably fairly substantial if you qualify for them. At that age the phase out is a pretty steep cliff, so it may be worth staying under income limit if you are anywhere near it.
by dave_m_
Thu Jan 08, 2015 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund vs. 3 Fund Portfolio
Replies: 45
Views: 16034

Re: Target Date Fund vs. 3 Fund Portfolio

For a single IRA account, at 26 years old? Target date all the way. It starts to get more complicated when you add a couple more accounts into the mix and a spouse, but no reason to make things more difficult until then, and it's hard to go wrong with the target date funds.
by dave_m_
Thu Jan 08, 2015 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on HSA bond fund choices
Replies: 3
Views: 910

Re: Thoughts on HSA bond fund choices

I've noticed HSA investments usually involve choosing the least bad option, rather than something ideal. Could you keep the same overall asset allocation and swap the location of the bond holdings to a Roth account with a larger fund selection? Sometimes the HSA investment options include a decent s...
by dave_m_
Thu Jan 08, 2015 3:13 am
Forum: Investing - Theory, News & General
Topic: Fidelity Customers, What Do You Hold at FIDO?
Replies: 43
Views: 6826

Re: Fidelity Customers, What Do You Hold at FIDO?

Spartan® Extended Market Index Fund, in an IRA funded mostly through fidelity rewards credit card. Used to complement an S&P 500 index fund held at another firm.