Search found 424 matches

by veggivet
Tue Nov 12, 2019 1:56 pm
Forum: Personal Investments
Topic: Speculating - Chesapeake Energy (CHK)
Replies: 16
Views: 565

Re: Speculating - Chesapeake Energy (CHK)

Shorts are happy today; stock down around 15%.
by veggivet
Tue Nov 12, 2019 1:00 pm
Forum: Personal Investments
Topic: Taxes on Long Term Capital Gains
Replies: 5
Views: 449

Re: Taxes on Long Term Capital Gains

Don't forget about state taxes...even if the federal rate is 0%, your state may want some of your gains.
by veggivet
Tue Nov 12, 2019 12:58 pm
Forum: Personal Investments
Topic: Speculating - Chesapeake Energy (CHK)
Replies: 16
Views: 565

Re: Speculating - Chesapeake Energy (CHK)

The only path I see for CHK is for oil prices to rise significantly, and soon. Barring that, bankruptcy is very likely within a few months...I'm glad this investment represented a very small slice of your overall portfolio.
by veggivet
Mon Nov 11, 2019 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: State Estate Tax Consideration
Replies: 16
Views: 921

Re: State Estate Tax Consideration

I don't think there are any workarounds that move the needle when you get to that level of assets. Not sure where you reside in MA, but the borders of New Hampshire, Maine, Rhode Island, Connecticut and Vermont aren't all that far from many points within MA. Worth looking into establishing residency...
by veggivet
Sun Nov 10, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Romantic northeast winter weekend getaway?
Replies: 10
Views: 1437

Re: Romantic northeast winter weekend getaway?

No need to travel 3-6 hours when Mohonk Mountain House is less than 2 hours away.

Enjoy, wherever you end up!

www.mohonk.com
by veggivet
Mon May 13, 2019 1:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2123566

Re: U.S. stocks in free fall

Yup, they'll be back in September, if they follow the adage...
by veggivet
Mon May 13, 2019 1:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2123566

Re: U.S. stocks in free fall

With a little over half the month to go, May is off to its worst performance in the last 50 years...
by veggivet
Mon May 06, 2019 5:03 pm
Forum: Investing - Theory, News & General
Topic: TD Ameritrade Expanding List of Commission-Free ETFs
Replies: 17
Views: 2228

Re: TD Ameritrade Expanding List of Commission-Free ETFs

I doubt any Vanguard funds will ever trade free on TDA or Fidelity going forward...
by veggivet
Mon May 06, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: "Shopping for Healthcare" - How Use an HSA Effectively
Replies: 30
Views: 2348

Re: "Shopping for Healthcare" - How Use an HSA Effectively

Peter Parker speaks the truth! Very well put, Sir!
by veggivet
Fri May 03, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 8406

Re: Received email and PDF allegedly from Apple

You shouldn't have even clicked to open the email...
by veggivet
Sun Apr 28, 2019 10:10 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1964
Views: 324590

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Wrote this up in my notes earlier to keep track of what's available, and figured it wouldn't hurt to share here as well. These all assume new account openings. Chase : $200/25k, $300/100k, $625/250k ETrade : $200/25k, $300/100k, $600/250k, $1200/500k, $2500/1m Ally : $200/25k, $300/100k, $600/250k,...
by veggivet
Wed Apr 24, 2019 4:14 pm
Forum: Personal Investments
Topic: Where to open 529 savings plan?
Replies: 19
Views: 1487

Re: Where to open 529 savings plan?

Since state tax breaks aren't an issue in your case, you may want to consider www.NYSaves.org, which uses Vanguard funds and has low expenses.
by veggivet
Wed Apr 24, 2019 4:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1879
Views: 195413

Re: U.S. stocks continue to soar!

Of course, but you likely won't find any on this board (or at least any who would admit it :mrgreen: )
by veggivet
Wed Apr 24, 2019 9:38 am
Forum: Personal Investments
Topic: waiting for over 1 year to buy Norfolk Southern!
Replies: 30
Views: 2755

Re: waiting for over 1 year to buy Norfolk Southern!

Wait until it splits and then buy at the much lower price. :wink:
by veggivet
Wed Apr 24, 2019 9:09 am
Forum: Personal Investments
Topic: Vanguard REITs ETF vs Admiral
Replies: 6
Views: 588

Re: Vanguard REITs ETF vs Admiral

Either one would suit your needs. Just a matter of personal preference. ETFs have taken market share away from mutual funds over the years, fwiw.
by veggivet
Wed Apr 24, 2019 8:57 am
Forum: Personal Finance (Not Investing)
Topic: 529 college savings over-funded - how to proceed?
Replies: 31
Views: 2073

Re: 529 college savings over-funded - how to proceed?

If the Apple shares are held within an ESA (Coverdell), they can be sold without incurring any capital gains taxes. Then the account can be transferred to the 529 account held in the daughter's name. Once there, those funds can be re-distributed in any proportion to other siblings, again without inc...
by veggivet
Tue Apr 23, 2019 5:35 pm
Forum: Investing - Theory, News & General
Topic: Marcus-13 month no penalty CD
Replies: 6
Views: 1032

Re: Marcus-13 month no penalty CD

www.bankrate.com shows CIT Bank pays 2.45% with 25k minimum, or no minimum with $100/month deposit. MySavingsDirect pays 2.4% with no minimum/strings attached. These are money-market accounts, not CDs.
by veggivet
Tue Apr 23, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3847

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

Most egregious error: Car fell off the lift during an oil change. Worse yet, they tried to cover it up at first. They did pay for bodywork that was needed via their insurance. In second place: Mechanic forgot to replace oil cap after an oil change. Very apologetic, and cleaned up engine bay. And tak...
by veggivet
Mon Apr 22, 2019 8:10 am
Forum: Non-US Investing
Topic: The urge to go back to stockpicking [Malaysia]
Replies: 25
Views: 1935

Re: The urge to go back to stockpicking

If you 're not familiar with the 'barbell' strategy, research it and see if that may be consistent with your investment plan...it has worked for me, but ymmv.
by veggivet
Sat Apr 20, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: Get the best deal for your cruise: Whole Food, Plant Based
Replies: 14
Views: 2246

Re: Get the best deal for your cruise: Whole Food, Plant Based

You're welcome! Enjoy the cruise...and you are correct, Dr. Greger donates all profits to charity, in honor of his grandmother, whose story you probably know by heart by now.
by veggivet
Fri Apr 19, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: Get the best deal for your cruise: Whole Food, Plant Based
Replies: 14
Views: 2246

Re: Get the best deal for your cruise: Whole Food, Plant Based

I went on the vegan cruise a couple of years ago and wasn't that impressed. You may have a different experience being a relatively new 'convert', but for me, the information the speakers covered was old news. (I've been vegan for nearly 20 years, and vegetarian for 15 before that.) If I were to go o...
by veggivet
Fri Apr 19, 2019 5:40 pm
Forum: Personal Investments
Topic: Ever Too Much in HSA?
Replies: 53
Views: 5454

Re: Ever Too Much in HSA?

Fidelity estimates that for a couple at age 65 today, total health care costs going forward average $285k. By the time you reach 65, who knows how much higher that number will be? Probably a good idea to continue maxing out your HSA for the foreseeable future, IMHO. Hard to find another triple tax-f...
by veggivet
Thu Apr 18, 2019 2:40 pm
Forum: Personal Investments
Topic: Fidelity email notifications
Replies: 7
Views: 858

Re: Fidelity email notifications

Not my experience at all. Recently linked my online bank to a couple of my accounts, and confirmation was received via email almost instantaneously. There were also confirmation notices in my message folder in each respective account on the Fidelity website.
by veggivet
Thu Apr 18, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax Filing Steps - Please help/confirm
Replies: 5
Views: 459

Re: Estimated Tax Filing Steps - Please help/confirm

Yes, your description of the process is correct. Takes me less than 3 minutes to make a payment, and I just set a reminder for myself to alert me a day or two before they are due. You will receive a confirmation number, which I jot down just in case there are any issues. In the last 20 or so years t...
by veggivet
Tue Apr 16, 2019 6:26 pm
Forum: Personal Consumer Issues
Topic: Received wrong vaccine...
Replies: 34
Views: 3256

Re: Vaccine consent form allegedly forged...

Your best path is to contact the state medical board and register a complaint. They will contact the doctor involved and determine if proper medical protocols were not followed. From what you describe, it sounds like you have a solid complaint.
by veggivet
Tue Apr 16, 2019 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: HSA with no fees and max investments?
Replies: 28
Views: 2762

Re: HSA with no fees and max investments?

Next time, just buy ITOT commission-free. Very close to VTI.
by veggivet
Mon Apr 15, 2019 11:40 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1879
Views: 195413

Re: U.S. stocks continue to soar!

Since 1945, the S&P 500 has averaged a 1.4% return in the May-October period. November through April returns an average return of 6.6%.
by veggivet
Thu Apr 11, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: Boston area - nice towns for families
Replies: 80
Views: 5403

Re: Boston area - nice towns for families

Have you considered Sherborn?
by veggivet
Tue Apr 09, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 7187

Re: How Much Do You Pay For Haircut?

$15, no tip (barber is the owner).
by veggivet
Mon Apr 08, 2019 3:16 pm
Forum: Personal Investments
Topic: Fidelity Bonus?
Replies: 6
Views: 1726

Re: Fidelity Bonus?

This makes me wonder if Fidelity is treating 'retention' bonuses similarly. Specifically, would they not make an effort to retain an account unless it is over 5 mil? I'm not one who plays this angle, but I've read several posts where investors received 'cash' as an incentive not to defect to another...
by veggivet
Fri Apr 05, 2019 2:51 pm
Forum: Personal Investments
Topic: Disastrous amount of brokerage transfer fee slapped by Trade Station?
Replies: 18
Views: 1306

Re: Disastrous amount of brokerage transfer fee slapped by Trade Station?

Now that you've found the Bogle method, you should be on a better path for future success. Keep those frozen orange juice futures in your freezer, not on your balance sheet :wink:
by veggivet
Fri Apr 05, 2019 2:00 pm
Forum: Personal Investments
Topic: Disastrous amount of brokerage transfer fee slapped by Trade Station?
Replies: 18
Views: 1306

Re: Disastrous amount of brokerage transfer fee slapped by Trade Station?

Margin to leveraged to ETFs? If you really want to reduce your risk, consider pork belly futures. Good luck!
by veggivet
Mon Apr 01, 2019 6:16 pm
Forum: Investing - Theory, News & General
Topic: What accounts do you have for your kids?
Replies: 27
Views: 2054

Re: What accounts do you have for your kids?

Roth IRA
529
Coverdell
Taxable account

All are with TDA, except the 529, which is with Vanguard via the NY Saves program.
by veggivet
Sun Mar 31, 2019 3:08 pm
Forum: Personal Investments
Topic: Fido Screws Up and Says "Tough Luck"
Replies: 32
Views: 3408

Re: Fido Screws Up and Says "Tough Luck"

No brokerage firm will backdate a trade. That would land them in a potential mine field with the SEC. If you want to recoup some of the potential gains you missed out on you have a couple of options. Mention to your rep that due to their mistake, you are considering transferring all funds to another...
by veggivet
Sun Mar 31, 2019 8:28 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
Replies: 1057
Views: 102788

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

My transfer from HSA Bank to Fido went quickly and smoothly. I was an early adopter, if that makes any difference. I wonder if HSA Bank is now purposefully slowing things down as they see their customer base shrinking by the day with defections to Fidelity.
by veggivet
Wed Mar 27, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Buying Concert Tickets
Replies: 20
Views: 953

Re: Buying Concert Tickets

dm200, before you get too psyched to see Gordon Lightfoot, I will share my experiences with his shows. I saw him in Ithaca, NY a few years ago (maybe 3 or 4) and his voice was in horrible shape. The sound guys had turned his volume down so much I spoke with them during the break between sets. They s...
by veggivet
Wed Mar 27, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: Buying Concert Tickets
Replies: 20
Views: 953

Re: Buying Concert Tickets

Another vote for Craigslist on the day of the show. I often can obtain a ticket for half face value. I insist on meeting the seller at the venue, so I can determine ticket authenticity. Sellers are very willing to negotiate as show time approaches, especially for a single ticket. I refuse to pay Tic...
by veggivet
Sun Mar 24, 2019 5:28 pm
Forum: Personal Investments
Topic: RMD and QCD Tax Filing Question
Replies: 17
Views: 1044

Re: RMD and QCD Tax Filing Question

Gotcha, so it would work if your RMD was less than 100k, all going to a QCD...
by veggivet
Sun Mar 24, 2019 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA-how are you investing the funds?
Replies: 36
Views: 3142

Re: Fidelity HSA-how are you investing the funds?

I remember reading somewhere, (maybe in the Wiki) that bonds are the favored investment in an HSA. Is that correct?
by veggivet
Sun Mar 24, 2019 4:30 pm
Forum: Personal Investments
Topic: RMD and QCD Tax Filing Question
Replies: 17
Views: 1044

Re: RMD and QCD Tax Filing Question

Taking this one step further, if you take your entire RMD out as a QCD and live off a Roth IRA, you should incur no taxes and no risk of Medicare surcharges, correct?
by veggivet
Thu Feb 14, 2019 5:26 pm
Forum: Personal Consumer Issues
Topic: Where to go over the long weekend?
Replies: 12
Views: 1033

Re: Where to go over the long weekend?

Does your gym have a sauna?
by veggivet
Thu Feb 14, 2019 12:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2123566

Re: U.S. stocks in free fall

Savings rate and time IN the market are, in my opinion, the most important predictors of investment success.
by veggivet
Tue Feb 05, 2019 9:11 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
Replies: 1057
Views: 102788

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

I doubt it. When I had my HSA @ TD Ameritrade, the only account where I was unable to get free trades was my HSA account. I think Fido will be the same.
by veggivet
Tue Feb 05, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Deposit Cash into Fidelity Cash Management Account via ATM
Replies: 13
Views: 3217

Re: Deposit Cash into Fidelity Cash Management Account via ATM

You can't even deposit cash directly at a Fidelity branch office. I would suggest opening an account with a local bank that would be convenient for you to make cash deposits. Then just link that to your Fido account, and you should be all set.
by veggivet
Fri Feb 01, 2019 8:36 pm
Forum: Personal Investments
Topic: HSA to Fidelity, now where to park the funds?
Replies: 19
Views: 2709

Re: HSA to Fidelity, now where to park the funds?

Most advise bond funds inside the HSA to make best use of the tax advantages the account provides. The majority of mine is a combination of bond funds and REITs, (VNQ), along with a relatively small position in SPYV (S&P Value ETF). If you want 50% equities in your HSA, you may want to consider ITOT...