Search found 1914 matches

by indexfundfan
Wed Dec 13, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Best HSA for buy-&-hold?
Replies: 15
Views: 1261

Re: Best HSA for buy-&-hold?

SelectAccount would probably be my second choice. Schwab brokerage. I forget all the details. Saturna would probably be my third. From my notes earlier, you can start the Schwab brokerage at SelectAccount only after you have reached $10,000 in cash. You are then required to keep at least $1000 in c...
by indexfundfan
Wed Dec 13, 2017 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Best HSA for buy-&-hold?
Replies: 15
Views: 1261

Re: Best HSA for buy-&-hold?

1) Lively, $2.50/month fee with investments through TD Ameritrade using commission-free SPDR Portfolio ETFs. Lively is the one I'm using now (since early October). At $2.50/month and no other fees, it's the lowest cost for me given a desire to minimize cash in my employer HSA by making frequent (qu...
by indexfundfan
Wed Dec 13, 2017 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Best HSA for buy-&-hold?
Replies: 15
Views: 1261

Re: Best HSA for buy-&-hold?

Fees are still very common in HSAs if you want to have investment options. The three best HSA custodians that support first dollar investing are 1) Lively, $2.50/month fee with investments through TD Ameritrade using commission-free SPDR Portfolio ETFs 2) Saturna -- fees follow either a) or b) below...
by indexfundfan
Tue Dec 12, 2017 2:25 pm
Forum: Investing - Theory, News & General
Topic: Total Bond vs. 70/30 Int. Treasury/High Yield Corporate
Replies: 9
Views: 773

Re: Total Bond vs. 70/30 Int. Treasury/High Yield Corporate

A few quick observations: 1. I split out treasuries and corporates, but I use VSIGX and VICSX, Vanguard's intermediate treasury and corporate bond index funds, at 50/50. The corporate fund is all investment grade. The treasuries give me adequate rebalancing fodder. The corporates have a bit more ri...
by indexfundfan
Sun Dec 10, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Can/Should early retiree avoid ACA tax credits?
Replies: 55
Views: 3441

Re: Can/Should early retiree avoid ACA tax credits?

I will tell you my own experience. ER'ed earlier this year. Took a market plan which costs about $12k this year. In my planning, I never wanted any ACA subsidy, and planned to convert my Trad to Roth IRA to the top of the 15% bracket in the future years. Come October (two months ago), I was shocked ...
by indexfundfan
Sun Dec 03, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: moved to another state in 2017 -- best tax software?
Replies: 6
Views: 583

Re: moved to another state in 2017 -- best tax software?

You can purchase a second state for the 2017 tax year. Turbo Tax will offer that when you indicate that you have a second state return to file. Except that the additional state add-on actually costs more than the copy of Fed+State software. For example, H&R Fed + State was offered for $20 on 11/29/...
by indexfundfan
Sat Dec 02, 2017 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Donated shares to my DAF (Vanguard Charitable)
Replies: 6
Views: 593

Re: Donated shares to my DAF (Vanguard Charitable)

Yes they are long term gains, thank you for the clarifying question...Hoping you can explain the importance in this case.... The following is from Schwab's FAQ Appreciated non-cash assets held for more than one year generally receive a fair market value deduction of up to 30% of adjusted gross inco...
by indexfundfan
Sat Dec 02, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Donated shares to my DAF (Vanguard Charitable)
Replies: 6
Views: 593

Re: Donated shares to my DAF (Vanguard Charitable)

Wash rules only apply when realizing losses. You are good. Donate as much as you can now so you get the deduction this year before it goes away due to the plan we aren't allowed to talk about. In addition, you might not be able to select the specific lot to donate next year (again, we are not allow...
by indexfundfan
Wed Nov 29, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 131
Views: 10793

Re: H&R Block Software

Earl Lemongrab wrote:
Wed Nov 29, 2017 3:35 pm
That's one advantage to the download version, it's easy to "return". No shipping or anything.
Nice try. Here's the fine print on Amazon

"This product is non-returnable and non-refundable."
by indexfundfan
Mon Nov 27, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 96
Views: 7660

Re: Divs and Cap Gains are killing me

Some typical distribution yields Biotech ETF 0.25% US LargeCap Growth 1.2% US SmallCap 1.3% US Total Market 1.8% US LargeCap Blend 1.9% EAFE, Emerging Markets >2% Over the past few years, I have been gravitating towards assets with low dividend distributions in the taxable account so that MAGI can b...
by indexfundfan
Sat Nov 25, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to avoid ACA Subsidy failure!
Replies: 18
Views: 1715

Re: Trying to avoid ACA Subsidy failure!

Why is there no HSA plan available to me in Texas through ACA in 2018? I am 63 and have part-time employment. Spouse is 75 on Medicare. We have adhered to Boglehead investing theory for many years which has resulted in many benefits including minimal taxable investment income. This technique has al...
by indexfundfan
Fri Nov 24, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 65
Views: 5010

Re: TaxAct and alternatives

For those with experience using FreeTaxUSA, does it support the uploading of brokerage forms, like 1099B, 1099DIV etc. ?
by indexfundfan
Tue Nov 21, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Transferring $$ from Ally
Replies: 19
Views: 1259

Re: Transferring $$ from Ally

I have done both and it matters not. Ally counts it as one of the monthly transactions either way. Depends on your bank, but no fees anytime for me. Ally has gotten pretty quick about completing transfers compared to back in the day. I'd go from Ally to your bank just for that reason. Thanks, sound...
by indexfundfan
Mon Nov 20, 2017 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Pay capital gains now, avoid ACA cliff later?
Replies: 8
Views: 972

Re: Pay capital gains now, avoid ACA cliff later?

I guess you need to calculate how much CG you need to realize each year, and see how close this brings you to the cliff. If it is not near at all, I wouldn't do it. If it is dangerously close, I may realize some of the CG now. And who knows, the cliff rules might change in a few years.
by indexfundfan
Mon Nov 20, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring $$ from Ally
Replies: 19
Views: 1259

Re: Transferring $$ from Ally

I have done both and it matters not. Ally counts it as one of the monthly transactions either way. Depends on your bank, but no fees anytime for me. Ally has gotten pretty quick about completing transfers compared to back in the day. I'd go from Ally to your bank just for that reason. Thanks, sound...
by indexfundfan
Tue Nov 14, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 147
Views: 16085

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

jhfenton wrote:
Tue Nov 14, 2017 8:21 am
In retrospect, I'm not sure why mine sailed through with everything frozen.
Could be that Lively added new measures for identity check. It's not unusual for things to change quickly at startups.
by indexfundfan
Tue Nov 14, 2017 8:00 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 147
Views: 16085

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

LifeIsGood wrote:
Tue Nov 14, 2017 7:33 am
I'm in the process of doing a transfer to Lively. They want a copy of my drivers license to verify my identity. I'm a bit uncomfortable with this.
Has anyone else ran into a request like this?
Did you freeze your credit information?
by indexfundfan
Mon Nov 13, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Did any of your Merrill Edge to Vanguard ACH fail?
Replies: 0
Views: 180

Did any of your Merrill Edge to Vanguard ACH fail?

I know there's quite a few Merrill Edge users here. At times, I have pulled money from my Merrill Edge brokerage account into my Vanguard account. This month, the transfers are failing. Vanguard told me that the ACH error was "account not found or invalid". I checked the bank information page on Van...
by indexfundfan
Fri Nov 10, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 147
Views: 16085

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

There's one more option: HSA Authority if you can live with mutual funds. The annual fee at the HSA Authority is $36 and it has a bunch of low cost Vanguard mutual funds. It supports first dollar investing too (but you do need $1000 to establish the investment account).
by indexfundfan
Tue Nov 07, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with single state muni fund?
Replies: 8
Views: 752

Re: What to do with single state muni fund?

If you knew you would be holding on to these for the next 10 years, would it change your mind as to what to do? I've been sitting on a single stock that has appreciated quite a bit for many years. I now wish I had simply taken the tax hit at the beginning and diversified into total market fund. Eve...
by indexfundfan
Tue Nov 07, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with single state muni fund?
Replies: 8
Views: 752

Re: What to do with single state muni fund?

Thanks for the responses. I don't automatically reinvest dividends in taxable accounts. Creates too many tax lots for my taste. Another wrinkle for me is that in my future tax bracket, muni bond funds actually don't make sense for me anymore. I plan to sell the CA bond funds as long as I have losses...
by indexfundfan
Mon Nov 06, 2017 9:18 pm
Forum: Investing - Theory, News & General
Topic: General question about taxable investment at VG
Replies: 8
Views: 1060

Re: General question about taxable investment at VG

About 5 months ago I bought my first taxable investment at Vanguard. I did not buy more or sell since then. Now, I am considering buying more, but when (if I decide to) sell portion of the same fund later, how will the capital gain taxes be calculated? Does VG let you sell from Purchase 1 and Purch...
by indexfundfan
Mon Nov 06, 2017 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with single state muni fund?
Replies: 8
Views: 752

Re: What to do with single state muni fund?

I assume your new state has an income tax. Otherwise there's no harm in keeping CA only funds, except for lack of diversification. Even if you stay below the ACA cliff, you will effectively be taxed 9.5 % for loss of subsidy. So your marginal capital gains rate on ACA will be not 16 % but 25.5 % as...
by indexfundfan
Mon Nov 06, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with single state muni fund?
Replies: 8
Views: 752

What to do with single state muni fund?

I moved out of California this year. Currently, I still have CA state muni bond funds with capital gains ranging from 10% to 20%. Given that I want to keep my MAGI from next year onwards to below 400% FPL, my options are 1. Take the bullet now : liquidate all CA muni bond funds and pay CG tax on the...
by indexfundfan
Thu Nov 02, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 15148

Re: 2018 ACA rates now live....

munemaker wrote:
Thu Nov 02, 2017 1:19 pm
indexfundfan wrote:
Thu Nov 02, 2017 1:04 pm
After you submit the application, can you still make changes until Dec 15?
Yes you can.
Thanks. That's good to hear.
by indexfundfan
Thu Nov 02, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 15148

Re: 2018 ACA rates now live....

After you submit the application, can you still make changes until Dec 15?
by indexfundfan
Mon Oct 30, 2017 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: ACA earning prediction
Replies: 5
Views: 513

Re: ACA earning prediction

I assume you already checked that the capital gains on this fund is greater than $23,000? Otherwise, get rid of the fund before the distribution and buy a replacement fund. The unrealized gain on that fund is about $88,000, more than triple the cap gain distribution. Got nowhere to hide. Is this an...
by indexfundfan
Mon Oct 30, 2017 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: ACA earning prediction
Replies: 5
Views: 513

Re: ACA earning prediction

I am one year on Medicare, but my wife does not start Medicare until June, 2018. In order to maintain my substantial ACA supplement I am working to keep my MAGI as low as possible for 2018. We live on our $21,000 annual pension, some limited interest and dividends, with the balance of our living ex...
by indexfundfan
Mon Oct 30, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: ACA earning prediction
Replies: 5
Views: 513

Re: ACA earning prediction

I am one year on Medicare, but my wife does not start Medicare until June, 2018. In order to maintain my substantial ACA supplement I am working to keep my MAGI as low as possible for 2018. We live on our $21,000 annual pension, some limited interest and dividends, with the balance of our living ex...
by indexfundfan
Mon Oct 30, 2017 7:02 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45222

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I think this move by TDA/SSGA could have a silver lining. I believe the AUM for the new SPDR Portfolio funds would grow significantly, and this would give us more choices of ETF TLH partners. Which partners? SPDR would be the only one comission-free, so you will not be able to not exchange into any...
by indexfundfan
Mon Oct 30, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 6543

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

He emailed to say he sent a "test" $1 transfer, and is asking me to confirm that I see this. So you've already given him the information? Yes, I gave it. And then, :oops: maybe I should have paused. But... Wait I think I misunderstood. You are not confirming test deposits. You are just confirming t...
by indexfundfan
Mon Oct 30, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 6543

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

I should add that the ABA and account numbers are pretty much known once you issue a check. So you are not disclosing any additional information if you provide these information.

But I would be very wary to confirm the test deposits.
by indexfundfan
Mon Oct 30, 2017 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 6543

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

I think business accounts can let you do "blind" outgoing ACH. He should not be asking you to confirm the test deposits. If you confirm the test deposits, he could be linking up your account so that he can pull from your account for all you know. I wouldn't confirm those deposits if I were you, unle...
by indexfundfan
Sun Oct 29, 2017 4:47 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45222

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I think this move by TDA/SSGA could have a silver lining. I believe the AUM for the new SPDR Portfolio funds would grow significantly, and this would give us more choices of ETF TLH partners.
by indexfundfan
Fri Oct 27, 2017 6:33 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45222

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Still so confused with this new list... Do you know if SPDW, SPEM, SPLG are liquid enough now to trade in a decent amount (+/- 100k) ? Currently, I don't recommend trading in blocks of 100k. I would limit each block to be at most 10k or so. Nevertheless, I believe the situation should improve once ...
by indexfundfan
Wed Oct 25, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 15148

Re: 2018 ACA rates now live....

ERISA Stone wrote:
Wed Oct 25, 2017 2:34 pm
indexfundfan wrote:
Wed Oct 25, 2017 12:45 pm
Up 57% for me in GA for the same HSA bronze plan for family of four.
Only 49% in GA for me.
LOL. Yes, 49% is better than me.
by indexfundfan
Wed Oct 25, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 15148

Re: 2018 ACA rates now live....

Up 57% for me in GA for the same HSA bronze plan for family of four.
by indexfundfan
Tue Oct 24, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Hydroseeding. Anyone used it?
Replies: 8
Views: 664

Re: Hydroseeding. Anyone used it?

Thanks for all the feedback. It looks like I can get a good lawn with hydroseeding. :-)
My area is in North Georgia. I am hoping I can get it done before end of this month or latest the first week of November.
I plan to put in fescue -- any comments?
by indexfundfan
Tue Oct 24, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Hydroseeding. Anyone used it?
Replies: 8
Views: 664

Hydroseeding. Anyone used it?

I'm thinking of putting in a lawn in my yard. The land needs some grading and prepping.

Does anyone have any experience with hydroseeding? Does the grass turn out good? It seems that hydroseeding is a lot cheaper compared to sod installation.
by indexfundfan
Tue Oct 24, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45222

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Yes. I figured , but I also imwill buying other spdr etfs in taxable as well. You don't think a large lot will be poss or prudent because of the volume and spread avail ? Or will this change as hopefully volume picks up with the td ameritrade affiliation ?? Yes, I do think volume will pick up with ...
by indexfundfan
Tue Oct 24, 2017 3:26 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45222

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

i thought one of the other posters stated these new etfs were not comm free in tax advantaged plans - my mistake, also, i didnt say it was common= on the contrary i wish to make a large one time purchase of dev market etf to diversify as i have no intl exposure... i also plan to prob purchase spem ...
by indexfundfan
Tue Oct 24, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45222

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Volume and depth of SPEM is a lot less than VWO. But if you are just doing DCA with no more than one or two hundred shares each time, SPEM looks OK.
by indexfundfan
Tue Oct 24, 2017 11:47 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45222

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

triceratop wrote:
Tue Oct 24, 2017 11:00 am
Thanks! My original post was about SPEM. Could you please post it for SPEM vs. VWO ?
Image

Image
by indexfundfan
Tue Oct 24, 2017 10:08 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45222

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Low volume shouldn't really impact bid/ask spreads in broad market ETFs much (a quick look at the bid/ask spread on SPEM and VWO compared to the volume should demonstrate that to you). The reason is because the ability for certain participants to create/destroy units using the underlying holdings a...
by indexfundfan
Mon Oct 23, 2017 6:35 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45222

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I haven't done any systematic test of non-marketable limit orders so I can't say anything authoritatively. I have seen market orders executed at the same time and Merrill Edge gets it executed at the bottom of the spread while TDA executes in the middle or higher (bottom/top relative to the action)...
by indexfundfan
Sat Oct 21, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab- which money market fund? (taxable account)
Replies: 23
Views: 1639

Re: Schwab- which money market fund? (taxable account)

Schwab stopped allowing investors from using their MMF as "sweep". You now have to manually buy and sell their MMF. This is not as convenient as a "sweep" option.

FWIW, I sometimes use SWVXX in their IRA account.
by indexfundfan
Wed Oct 18, 2017 8:16 pm
Forum: Investing - Theory, News & General
Topic: Written transactions in brokerage accounts basically going away
Replies: 4
Views: 664

Re: Change for mail purchases of Vanguard funds

I think you can still schedule an investment. Go to

Account Maintenance > Automatic Investment
by indexfundfan
Wed Oct 18, 2017 8:01 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45222

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

According to State Street, "Each one of these ETFs is profitable at the current prices. " If Vanguard is offering the ETFs "at cost", it makes me wonder if Vanguard is not as efficient as State Street or if State Street has a different system of cost accounting. In any case, I like the clean naming...
by indexfundfan
Tue Oct 17, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: Alternatives to selling TSM from a taxable account
Replies: 5
Views: 714

Re: Alternatives to selling TSM from a taxable account

Do you have any losses in the taxable account to realize?
by indexfundfan
Tue Oct 17, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Critique My Portfolio
Replies: 5
Views: 656

Re: Critique My Portfolio

I am transferring $2500 to an HSA that can be invested in mutual funds via TD Ameritrade. I looked at their re-vamped commission-free ETF lineup last night and came up with this: 50% SPDRA Total Stock 15% iShares Europe Stock 15% iShares Pacific Stock 4% SPDRA Long Term Corp Bond 4% SPDRA Short Ter...