Search found 1612 matches

by sperry8
Mon Nov 12, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 79
Views: 7897

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

For those who may be considering transferring from HSA Bank to Fidelity, it looks like you'd need to liquidate all holdings to cash in order to complete the transfer. It doesn't appear that HSA Bank is set up to transfer assets in kind... I don't believe that is true. The assets are held with TD Am...
by sperry8
Mon Nov 12, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Florida BCBS through ACA: experiences/reviews
Replies: 10
Views: 682

Re: Florida BCBS through ACA: experiences/reviews

I have BCBS (Florida Blue Select) out of Miami. Bought via the healthcare.gov website even though I don't qualify for subsidies. No issues with billing or usage - but their provider directory is not current. Either that or the doctors simply don't honor what is listed in the directory. So it's best ...
by sperry8
Mon Nov 12, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 79
Views: 7897

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

This would be very good news. On my quest toward simplification I've consolidated all my investment accounts at Fidelity and Vanguard, except for my pesky HSA at HSA Bank (and the linked brokerage account at TD Ameritrade). Even if the fees are a little higher than HSA Bank, I will gladly move my H...
by sperry8
Fri Nov 09, 2018 8:53 am
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 301
Views: 45344

Re: Whats your number to walk away?

From observing my elders I figured out that when you "walk away" from engaging in the work that gave your life meaning you are almost certain to deteriorate. Everyone I watched in the generation above me who retired had grandiose plans. They were going to write books. They were going to do executiv...
by sperry8
Thu Nov 08, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10502

Re: This man can predict when bubbles burst: time to time the market?

Assuming Steve321 is sincere in his questions (I am beginning to have doubts), I would like to ask him: What are your goals and why are you spending so much time and effort trying to find someone who can tell you how to "beat the markets?" Is the historical market return not good enough to make it ...
by sperry8
Wed Nov 07, 2018 3:52 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10502

Re: This man can predict when bubbles burst: time to time the market?

Assuming Steve321 is sincere in his questions (I am beginning to have doubts), I would like to ask him: What are your goals and why are you spending so much time and effort trying to find someone who can tell you how to "beat the markets?" Is the historical market return not good enough to make it ...
by sperry8
Mon Nov 05, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: Private equity investment
Replies: 43
Views: 5162

Re: Private equity investment

Thanks Valuethinker, I thought angel investing and venture capital were subcategories of the private equity category. What are my tax obligations as an angel investor? Is there anything I can do to prevent the Living Dead scenario? What prevents any company from calling it quits after taking in fun...
by sperry8
Mon Nov 05, 2018 9:21 am
Forum: Investing - Theory, News & General
Topic: Private equity investment
Replies: 43
Views: 5162

Re: Private equity investment

Thanks Valuethinker, I thought angel investing and venture capital were subcategories of the private equity category. What are my tax obligations as an angel investor? Is there anything I can do to prevent the Living Dead scenario? What prevents any company from calling it quits after taking in fun...
by sperry8
Sat Nov 03, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 3925

Re: HealthCare 2019 - No ACA Subsidy

• Joint replacement or other treatment of joints, spine, bones or connective tissue including tendons, ligaments and cartilage, unless related to a covered Injury. It sounds like that excludes arthritis which you do not have to be old to get. And I have not had any advice, diagnosis, care or treatm...
by sperry8
Sat Nov 03, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 3925

Re: HealthCare 2019 - No ACA Subsidy

Yes, that is why I am here getting feedback. I never really understood the differences but seeing a $400 per month difference in price, I knew there was a difference. Now I'm starting to understand it. Those 6 bullet points above are not covered and could pertain to someone. I'd say it's highly unl...
by sperry8
Fri Nov 02, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Thoughts on the New Macbook Air?
Replies: 70
Views: 3987

Re: Thoughts on the New Macbook Air?

One suggestion OP is to wait until January when the MacBook Air returns come in. Then you can buy one as a refurbished model at an ~15% discount via Apple (with warranty). I haven't bought a new Apple in decades. Refurb is the way to go (it usually doesn't mean broken, just returned or exchanged). I...
by sperry8
Fri Nov 02, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: "Individual investors should have access to Private Equity"
Replies: 46
Views: 3420

Re: "Individual investors should have access to Private Equity"

There are firms that allow you to invest in large private companies (assuming you're an accredited investor). Not sure that's what you mean by PE, but it at least allows you to invest in the same companies as the PE firms.
by sperry8
Fri Nov 02, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 3925

Re: HealthCare 2019 - No ACA Subsidy

Understood. But for all the things they don't cover, are they covered once the total out of pocket maximums are reached? So assuming the max payout is $15k and assuming I incur $15k of total bills in an emergency (e.g., heart attack), after that I pay $0? I am only buying insurance for potential ca...
by sperry8
Fri Nov 02, 2018 7:30 am
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 3925

Re: HealthCare 2019 - No ACA Subsidy

There are non-ACA compliant plans that can be sold to individuals in 2019 via Associations. You can also buy "short-term" plans and string them together for all of 2019 for your needs. You don't need to string them together anymore, there are 364-day options in most states now. Some states like Nev...
by sperry8
Thu Nov 01, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 3925

Re: HealthCare 2019 - No ACA Subsidy

There are non-ACA compliant plans that can be sold to individuals in 2019 via Associations. You can also buy "short-term" plans and string them together for all of 2019 for your needs. You don't need to string them together anymore, there are 364-day options in most states now. Some states like Nev...
by sperry8
Wed Oct 31, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 3925

Re: HealthCare 2019 - No ACA Subsidy

There are non-ACA compliant plans that can be sold to individuals in 2019 via Associations. You can also buy "short-term" plans and string them together for all of 2019 for your needs.
by sperry8
Tue Oct 30, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 96
Views: 18832

Re: Replacement for Google Finance price quote function

GoogleFinance is on the fritz again (showing incorrect 1 yr returns). Anyone have any code that pulls in via another source for YTD or 1 year returns? I use this one for ETFs which shows 9 mo returns - but it doesnt work for mutual funds. =INDEX(IMPORTHTML("https://www.nasdaq.com/symbol/voe/etf-deta...
by sperry8
Mon Oct 29, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA plans available for review
Replies: 30
Views: 2920

Re: 2019 ACA plans available for review

Ambetters base plan (the cheapest one for Miami). Doesn't cover out of network doctors at all and despite what you describe re ACA doesn't appear to me that it covers emergencies out of network either. Of course I could be reading it wrong. You're reading it wrong. The Ambetter Essential Care 1 cov...
by sperry8
Mon Oct 29, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA plans available for review
Replies: 30
Views: 2920

Re: 2019 ACA plans available for review

Is anyone familiar with HMO (vs EPO or PPO)? My rates for a PPO are skyrocketing - but the HMO is much less. I don't use healthcare often, mainly have it for catastrophic insurance (like cancer, etc.). The HMO plans say "out of network" isn't covered nor is "out of network" emergency care. The ACA ...
by sperry8
Sun Oct 28, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA plans available for review
Replies: 30
Views: 2920

Re: 2019 ACA plans available for review

Is anyone familiar with HMO (vs EPO or PPO)? My rates for a PPO are skyrocketing - but the HMO is much less. I don't use healthcare often, mainly have it for catastrophic insurance (like cancer, etc.). The HMO plans say "out of network" isn't covered nor is "out of network" emergency care. Does this...
by sperry8
Sun Oct 28, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: LastPass - LogMeIn's Acquisition of LastPass (trying to figure out what that means)
Replies: 6
Views: 603

Re: LastPass - LogMeIn's Acquisition of LastPass (trying to figure out what that means)

I didnt even know this acquisition happened. Missed the email back in 2015. Haven't changed anything - I still log in as usual, still use extensions on chrome, safari and cell phone as always. No change here.
by sperry8
Thu Oct 18, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 295
Views: 45893

Re: New HSA provider Lively offers investments for $30/yr fee

I'm enjoying the boglehead discussion about Lively, and have confirmed I am eligible for a one-time transfer from IRA to HSA. But I hesitate- is anyone ELSE worried that Lively will disappear in a couple of years/be sold or actually fail? :oops: I realize that Lively deposits are theoretically in S...
by sperry8
Thu Oct 18, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 295
Views: 45893

Re: New HSA provider Lively offers investments for $30/yr fee

How easy is it to transfer/switch from HSA Bank to Lively? Anyone gone through the process?
by sperry8
Thu Oct 18, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 447
Views: 42361

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I emailed Ally yesterday with this question: Says funds must be deposited by 10/31/18 in one place, 11/5/18 in another. Which is it? Answer: 11/5/18. They also said: he promotion is based on an overall increase in funds to your account during the funding period. If you withdraw funds and deposit th...
by sperry8
Thu Oct 18, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6587

Re: Did you retire because you hit your number?

I retired for reasons having nothing to do with money. I went at 61 because a reorganization would have left me with a larger job I could not commit to or get excited about. I could have retired, from a financial perspective, in my early 50s, but then I would have missed my most significant achieve...
by sperry8
Wed Oct 17, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 102
Views: 9867

Re: When will you backup the truck on stocks

Today is what I call a real sell off day, but not something that would make me break open the cash reserves and plung in. I have some reserves that I have earmarked for purchasing 5% more equities in case of a serious sell off. This isn't a regular re-balancing to your IPS or sleeping point plan. T...
by sperry8
Wed Oct 17, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Pay $3/mo. Or keep $5k in HSA
Replies: 5
Views: 462

Re: Pay $3/mo. Or keep $5k in HSA

$36 a year is 0.72% of $5000, so you could think of it as your $5k investment having a 0.72% expense ratio (or 0.76% if you add the VTSAX expense ratio of 0.04%). Not ideal, but if you're investing for the long term and the alternative is keeping it in cash that gets a tiny amount of interest every...
by sperry8
Wed Oct 17, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 58
Views: 5974

Re: Best way to complain about Hertz bait-and-switch?

Reservations don't mean much at rental car companies. It's more like an advance request. A complaint will get you a voucher at most. To be fair, car companies are one of the few remaining places where you can make a non-binding reservation with zero penalty. You don't even have to cancel...just ref...
by sperry8
Wed Oct 17, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Sneakers with good arch support
Replies: 33
Views: 1859

Re: Sneakers with good arch support

It is time to put away my Birkenstocks for the winter. I gave up on sneakers several years ago and have been wearing Birkenstocks and Keens. However, I now I need sneakers because I go to a gym. Can anyone recommend a sneaker with good arch support. If my feet don't like them, I have horrible back ...
by sperry8
Wed Oct 17, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 58
Views: 5974

Re: Best way to complain about Hertz bait-and-switch?

I would write a letter of complaint to the president of the board of directors of the airport demanding the the airport cancel the airport space lease for Hertz (and its affiliated companies) due to its failure to meet its commitments to customers. I would also request that the airport bar Hertz (a...
by sperry8
Thu Oct 11, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605779

Re: U.S. stocks in freefall

Question please: with the US Stock Market in free fall I need an advice as I I am planning to liquidate what would be equivalent to $150,000 from my Vanguard portfolio as a downpayment to a new house. I built that Vanguard portfolio earlier this year and I paid for the stocks when they were in thei...
by sperry8
Thu Oct 11, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605779

Re: U.S. stocks in freefall

3% of drop? It's barely a noise. Exactly. Including today, the S&P 500 is up 11.32% in the past year. Who cares what it did along the way. We would all take that 1 year return every year. Imagine no one would care when they lose the value of a new car on a single trading day... Why would they care ...
by sperry8
Thu Oct 11, 2018 7:52 am
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3930

Re: How to get over paper loss?

realize that losses happen more often than you might think: https://i.postimg.cc/2SrX5CKG/Capture.jpg source: https://am.jpmorgan.com/blob-gim/1383407651970/83456/MI-GTM_4Q18_Linked.pdf?segment=AMERICAS_US_ADV&locale=en_US Do you see how "Despite average intrayear drops of 13.8%, annual returns wer...
by sperry8
Wed Oct 10, 2018 5:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605779

Re: U.S. stocks in freefall

3% of drop? It's barely a noise. Exactly. Including today, the S&P 500 is up 11.32% in the past year. Who cares what it did along the way. We would all take that 1 year return every year. Imagine no one would care when they lose the value of a new car on a single trading day... Why would they care ...
by sperry8
Wed Oct 10, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7814
Views: 1605779

Re: U.S. stocks in freefall

WhiteMaxima wrote:
Wed Oct 10, 2018 3:06 pm
3% of drop? It's barely a noise.
Exactly.

Including today, the S&P 500 is up 11.32% in the past year. Who cares what it did along the way. We would all take that 1 year return every year.
by sperry8
Tue Oct 09, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6989

Re: Got my new Iphone Xs

Just pre-ordered the Pixel 3 today, supposed to have an even better camera than the 2 and still, no notch. These phones are darn expensive though... but they last at least two years, so amortized it's not horrible. I am no phone expert but I thought I saw a photo of the pixel 3 and it had a notch a...
by sperry8
Tue Oct 09, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3930

Re: How to get over paper loss?

I disagree with not checking. I think it is important to check. You need to learn what the market does. You will see it go down. You will see it stay flat. You will see it go up. What is important is this first hand learning experience. You say it right in the title - this is a paper loss. On paper ...
by sperry8
Tue Oct 09, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6989

Re: Got my new Iphone Xs

Am I the only one that doesn't want the new iPhone because of the notch at the top? Apple should copy Samsung...they figured out how to do the whole screen. No, you're not the only one. I also hate it. But I also have the home button taking up all the bezel space. So it's two steps forward and one ...
by sperry8
Sun Oct 07, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Accredited investor resources
Replies: 25
Views: 1923

Re: Accredited investor resources

And for clarification, the investment opportunities that I am considering are on secondary market websites, specifically SharesPost. For those unaware, these sites allow holders of private equity to sell shares to accredited investors. My understanding is that this essentially allows you to buy sha...
by sperry8
Wed Oct 03, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Landlord wants to raise rent, but is asking if he can?
Replies: 54
Views: 5559

Re: Landlord wants to raise rent, but is asking if he can?

I recently re-upped my lease. I told the landlord I'd renew if he kept the rent the same - no increase. He took a week and came back with OK. I may have accepted a 2.5% increase or perhaps I would've moved. Why accept higher than is necessary? I just don't see the point. We still have a good relatio...
by sperry8
Wed Oct 03, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: Flattening yield curve
Replies: 55
Views: 4926

Re: Flattening yield curve

I doubt this indicator like all others is actionable in any way or can be used for market timing. Stay the course. I disagree. From all I've read it is quite actionable - but only when it goes negative. Not when it is on the way to negative or is flattening. And you must look at the proper yield cu...
by sperry8
Wed Sep 26, 2018 6:58 pm
Forum: Investing - Theory, News & General
Topic: Siegel: 'stocks are overvalued on a long-term basis, but bonds are enormously overvalued on a long-term basis'
Replies: 74
Views: 8064

Re: Siegel: 'stocks are overvalued on a long-term basis, but bonds are enormously overvalued on a long-term basis'

This article also seems to say small caps do not outperform. "...Siegel compared the situation to the 1990s, when small stocks were believed to outperform in the long term. After further investigation, he found that the small stock premiums from 1929 to the 1990s were mainly due to a 9-year period —...
by sperry8
Wed Sep 26, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: To Sell VGHAX or Not to Sell VGHAX? [Vanguard Health Care Fund Admiral]
Replies: 9
Views: 1616

Re: To Sell VGHAX or Not to Sell VGHAX? [Vanguard Health Care Fund Admiral]

I finally got around to doing some research on this fund. It appears to me it was the former manager (Ed Owens) who was amazing and where all the outperformance was. Once the new Manager Jean Hynes took over the fund hasn't beaten the Vanguard Health Care Index Fund (VHCIX). https://investor.vanguar...
by sperry8
Fri Aug 17, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Trip to Kazakhstan & Uzbekistan. Time to utilize a travel agent?
Replies: 24
Views: 2190

Re: Trip to Kazakhstan & Uzbekistan. Time to utilize a travel agent?

If you want to discourage him from going, I would make the trip inconvenient as possible :twisted: Or just let him watch the 2006 film "Borat! Cultural Learnings of America for Make Benefit Glorious Nation of Kazakhstan." (Yes, I know that the film is somewhat exaggerated.) Victoria Sorry, have to ...
by sperry8
Fri Aug 17, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Trip to Kazakhstan & Uzbekistan. Time to utilize a travel agent?
Replies: 24
Views: 2190

Re: Trip to Kazakhstan & Uzbekistan. Time to utilize a travel agent?

We want to go to Kazakhstan and Uzbekistan next summer from the US. Is this a difficult enough trip that a travel agent might be the best way to get this organized with flights, hotels, guides, etc? Trying to this on the cheap with family of 4. We have someone in our family that speaks and reads Ru...
by sperry8
Sat Aug 11, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for a bear market
Replies: 43
Views: 5378

Re: Preparing for a bear market

My wife and I retired nine years ago and are now 65. Our financial investments are all in a diversified portfolio of Vanguard index funds. In addition, we have income from an inflation indexed pension and social security plus about $800,000 equity in our house. Until recently we were firm believers...
by sperry8
Fri Aug 10, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: The Bigger Story: Fidelity Expense Ratios
Replies: 98
Views: 10848

Re: The Bigger Story: Fidelity Expense Ratios

Forgive me if this was highlighted in one of the longer threads, but this chart seems to me as big a story as the introduction of the two ZERO expense funds. Other Fidelity index funds have expense ratios on average half of Vanguard's expense ratios. http://i65.tinypic.com/t85aiq.png If there is so...
by sperry8
Fri Aug 10, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Valuations Too High?
Replies: 229
Views: 14599

Re: Larry Swedroe: Valuations Too High?

Sperry, If you’ve benefitted from the long bull, and want to spend those profits, might it make sense to realize some of those profits and save them as cash and short term bonds? That would be an AA change towards the more conservative. Dave Yes, if I realized profits then it would be more conserva...
by sperry8
Fri Aug 10, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Valuations Too High?
Replies: 229
Views: 14599

Re: Larry Swedroe: Valuations Too High?

As the whole thing shifts left due to valuations, the extra alpha we may get in stocks may not be worth it any longer. Of course - the dispersion of returns even thought shifted left are still too great to truly now. If it were as small as 2-4%, I could likely run some numbers to determine my perso...
by sperry8
Fri Aug 10, 2018 10:17 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Valuations Too High?
Replies: 229
Views: 14599

Re: Larry Swedroe: Valuations Too High?

I will add this, we invest in equities even though they are riskier. Reason we anticipate a risk premium. Now at some point you should believe the risk premium isn't worth it. That is a different level for every person. The ERP has historically been high because wealthy people have little need to t...