Search found 1863 matches

by indexfundfan
Mon Oct 16, 2017 10:38 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads
Replies: 89
Views: 4627

Re: Fellow TDA bogleheads

It really doesn't look that bad at all. The new State Street portfolio funds are added low cost competition - that is a good thing - and seem to cover all the broad categories. Of my core funds, the only one that I currently buy there with no commission that I don't see a great replacement for me i...
by indexfundfan
Mon Oct 16, 2017 10:25 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads
Replies: 89
Views: 4627

Re: Fellow TDA bogleheads

It looks like I'll be transferring assets in-kind out of TDAmeritrade. They have one ETF on the list that has an Average Daily Volume of 57. That's not 5700, it is fifty-seven shares. Yup. It's almost two hours into the trading day and so far 106 shares of SPTM have traded. But market makers are wo...
by indexfundfan
Mon Oct 16, 2017 8:31 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads
Replies: 89
Views: 4627

Re: Fellow TDA bogleheads

Doesn't look like there is a good replacement for VTI. No ITOT, no SCHB.
Wait, it looks like their replacement for VTI is SPTM. ER 0.03%, but thinly traded for now.
by indexfundfan
Mon Oct 16, 2017 6:43 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads
Replies: 89
Views: 4627

Re: Fellow TDA bogleheads

I'm sure the spin, when TDAM announces the new lineup, would be that they want "to give investors more choices, more value for money"... LOL.
by indexfundfan
Mon Oct 16, 2017 6:26 am
Forum: Investing - Help with Personal Investments
Topic: Thinking we are close to winning the game
Replies: 29
Views: 4120

Re: Thinking we are close to winning the game

AllMostThere, The healthcare cost situation is fluid. If you haven't looked at the individual market before, you might be in for a rude shock. I am in my late 40s and I ER'ed earlier this year. The premium cost a Bronze HDHP plan for my family of four is $12k+ this year. This is expected to go up by...
by indexfundfan
Sun Oct 15, 2017 10:03 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads
Replies: 89
Views: 4627

Re: Fellow TDA bogleheads

I was just looking at tda because of this thread, what would people use if they get rid of vanguard. Namely what would they use to replace VTI? I couldn't really find anything unless you use a bunch of ishares etfs maybe to replicate an all market etf. edit: I guess, IWV ishares russell 3000 could ...
by indexfundfan
Sun Oct 15, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 18
Views: 947

Re: Calculating max electrical load of your home

Does an electric car need 220v/50 amp circuit? No. It depends on the EVSE equipment you want to put in. My car does not charge any faster than 16A @240V. The EVSE I bought maxes out at 16A @240V. So I only put in a 20A circuit with #12 wire, terminating with a 6-20R receptacle. If you have a Tesla ...
by indexfundfan
Sun Oct 15, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5408

Re: Help me understand what happens with the new law and ACA subsidies

This article, dated 9/28, confirms that GA's insurance officials have approved the rates hikes and have sent them to the federal officials for approval.

http://www.macon.com/news/local/article175842756.html
by indexfundfan
Sun Oct 15, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5408

Re: Help me understand what happens with the new law and ACA subsidies

I don't want to repost everything I said on a different thread about this, so here's a link: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=229476&start=50#p3573510 The most important thing is to know is how your state's insurance regulators have instructed insurers to handle things if the CS...
by indexfundfan
Sun Oct 15, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 18
Views: 947

Re: Calculating max electrical load of your home

Question for OP: why do you think you need an upgrade? Is it because the main breaker is tripping frequently? Or are you planning on adding some new circuits, e.g. to charge an electric car? The above are two possible reasons why you need an upgrade.
by indexfundfan
Sun Oct 15, 2017 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking we are close to winning the game
Replies: 29
Views: 4120

Re: Thinking we are close to winning the game

Your portfolio is approx 60/40 and looks reasonable. After selling your second home, its value would be ~2.1m. US Stocks 34.9% International 14.8% Bond 38.7% REIT 10.4% Cash 1.2% Some comments: o Do you want so much in REIT? o I think you have too many funds. You don't need to replicate the entire U...
by indexfundfan
Sun Oct 15, 2017 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking we are close to winning the game
Replies: 29
Views: 4120

Re: Thinking we are close to winning the game

Try doing a Firecalc https://www.firecalc.com/ simulation.

Also, one of the big ticket item is healthcare. What is your plan / budget for it? Is that covered in your $70k expenses?
by indexfundfan
Sun Oct 15, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 84
Views: 8939

Re: 2018 ACA costs arrived

This article discusses paying the individual mandate penalty: https://www.healthinsurance.org/faqs/ive-heard-that-the-government-wont-really-be-able-to-enforce-the-penalty-for-not-having-health-insurance-is-this-true/ Thanks for the extra info. You got me to do some googling and surprisingly, the I...
by indexfundfan
Sun Oct 15, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 84
Views: 8939

Re: 2018 ACA costs arrived

As I understand it, you no longer have to specify on your tax return if you have insurance. The IRS will accept your return without it so there is no way they can figure out if you owe a penalty or not. Maybe I'm paranoid, but as I understand it, willfully misrepresenting the refund you're entitled...
by indexfundfan
Sun Oct 15, 2017 6:24 am
Forum: Investing - Help with Personal Investments
Topic: Help me pick a fund for my HSA in California
Replies: 9
Views: 582

Re: Help me pick a fund for my HSA in California

I strongly suggest using treasury bond funds for a HSA in CA. Using a tax-efficient equity fund like the total market is fine, as long as you stay with the same HSA custodian . If the custodian's fee increases a lot and you want/need to move, the holding will typically have to be liquidated and you ...
by indexfundfan
Sun Oct 15, 2017 6:15 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7236

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

Oh, on the Saturna closing fee -- I believe you can avoid it if you take the distribution and then roll it over to the next HSA custodian. So that is not an issue for me if I want to move out.
by indexfundfan
Sun Oct 15, 2017 6:13 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7236

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

Would you be kind enough to elaborate on what the Saturna annoyance may be? I need to switch and am trying to decide between Saturna and Lively. I put money in my HSA once a year, and have to date not spent a cent from it. Due to the tax advantage, I really need to turn it into a buy and hold inves...
by indexfundfan
Sat Oct 14, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 84
Views: 8939

Re: 2018 ACA costs arrived

For option #1: Also got some quotes on the short term policies and cheap, cheap..... <$300 per month. Of course they are quoted for just 3 months at a time. Last night, I saw on eHealthInsurance the option to automatically extend the short term policies to a year. I looked on eHealthinsurace.com fo...
by indexfundfan
Sat Oct 14, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7236

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

Looks like TDAM decided that they don't make any money offering Vanguard ETFs. With iShares, I think they might get some kickback from Blackrock.
by indexfundfan
Sat Oct 14, 2017 7:23 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 84
Views: 8939

Re: 2018 ACA costs arrived

BarbK wrote:
Sat Oct 14, 2017 7:13 am
For option #1: Also got some quotes on the short term policies and cheap, cheap..... <$300 per month. Of course they are quoted for just 3 months at a time.
Last night, I saw on eHealthInsurance the option to automatically extend the short term policies to a year.
by indexfundfan
Sat Oct 14, 2017 6:31 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 84
Views: 8939

Re: 2018 ACA costs arrived

Well with the elimination of the CSRs by the Feds, my unsubsidized Blue Shield Silver PPO plan in California is going up a full 50%!!! No BS. :oops: Supposedly if I buy off exchange, I may not be hit by the surcharge for lack of CSR, but the off exchange rates are not yet available. I'm searching a...
by indexfundfan
Fri Oct 13, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5408

Re: Help me understand what happen with the new law and ACA subsidies

I buy insurance from the market and I am currently in the >400% FPL group. My current insurer has proposed a 30% increase if CSR continues or 57% if CSR is terminated. I am not aware if these rates are approved yet. Originally, my plan was to do Roth IRA conversions to the top of the 15% bracket. Qu...
by indexfundfan
Fri Oct 13, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5408

Re: Help me understand what happen with the new law and ACA subsidies

If the insurance companies are no longer getting the cost sharing subsides paid to them by the government, wouldn't that follow that the cost sharing will no longer be available to the 138% to 250% of poverty insurance purchaser? By law the insurance companies must provide the subsidy. To cover any...
by indexfundfan
Tue Oct 10, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Schwab money market fund for my mom? How safe?
Replies: 5
Views: 357

Re: Schwab money market fund for my mom? How safe?

Schwab offers a few different money market funds. The current yields are http://www.schwab.com/public/schwab/investing/accounts_products/investment/money_markets_funds/purchased_money_funds Prime MMF 0.97% Govt MMF 0.71% Treasury MMF 0.71% If you are concerned about safety, you can go for the treasu...
by indexfundfan
Sat Oct 07, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: FatWallet Cash Back Check Bounced
Replies: 15
Views: 3672

Re: FatWallet Cash Back Check Bounced

Maybe the check bouncing was a precursor to what is happening. Fatwallet will close doors in two days, on Oct 9, 2017.
RIP.
by indexfundfan
Fri Oct 06, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7236

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

^ I am watching with interest to see how Lively turns out. I'm sure as a startup, Lively can and would respond very quickly to any feedback for improvement. I will still stick with Saturna for now. My timing for starting a HSA account was horrible because I mailed in the application to Saturna the w...
by indexfundfan
Fri Oct 06, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Custodian dragging their feet with transfer
Replies: 10
Views: 717

Re: Custodian dragging their feet with transfer

Yes, file a complaint with FINRA. The custodian would have to respond. Years ago, I have trouble with TradeKing and filed a complaint with FINRA. TradeKing provided a resolution after the complaint.
by indexfundfan
Thu Oct 05, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Health Savings Account recommendation
Replies: 22
Views: 1869

Re: Health Savings Account recommendation

Not happy with my HSA with Bank of America. Any recommendations? Would like option to purchase Vanguard funds through a linked brokerage account. Thanks. If you are using the HSA for investments only, consider using a provider with "first dollar" investing. Three that I currently know of are HSA Au...
by indexfundfan
Thu Oct 05, 2017 9:43 am
Forum: Investing - Help with Personal Investments
Topic: HSA fees??
Replies: 9
Views: 472

Re: HSA fees??

Saturna is the other alternative, and I just started an account with them. Saturna is good if you make the contribution only once a year.
by indexfundfan
Wed Oct 04, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Health Savings Account recommendation
Replies: 22
Views: 1869

Re: Health Savings Account recommendation

You can also use Saturna if the HSA is used only for investment, and you invest lump-sum only once a year.
by indexfundfan
Wed Oct 04, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolios vs. WiseBanyan
Replies: 31
Views: 2112

Re: Schwab Intelligent Portfolios vs. WiseBanyan

It appears that Schwab will sell your other assets to replenish the cash position if you withdrew cash for an emergency. This makes the cash position in SIP a "poor" emergency fund. How much is Schwab's cash position yielding in SIP? Just today, Schwab sent me an email informing me that they have m...
by indexfundfan
Wed Oct 04, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7236

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

jhfenton wrote:
Wed Oct 04, 2017 11:53 am
One additional tidbit with Lively: they take the $2.50/month investment fee from your linked bank account not your HSA cash account or your TD Ameritrade investment account.
That's good! Clearly they have thought through how to maximize for investments in the HSA. :-)
by indexfundfan
Wed Oct 04, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3267

Re: Cash in a local bank or credit union

I do my bill pay and main checking activities online. So I only keep $200 in a local BofA checking account. This is linked to my Merrill Edge brokerage account which I can transfer cash over instantly if needed (using margin).
by indexfundfan
Wed Oct 04, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolios vs. WiseBanyan
Replies: 31
Views: 2112

Re: Schwab Intelligent Portfolios vs. WiseBanyan

It appears that Schwab will sell your other assets to replenish the cash position if you withdrew cash for an emergency. This makes the cash position in SIP a "poor" emergency fund. How much is Schwab's cash position yielding in SIP? Just today, Schwab sent me an email informing me that they have ma...
by indexfundfan
Mon Oct 02, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Minimizing income in taxable account
Replies: 13
Views: 1444

Re: Minimizing income in taxable account

I'm in a high tax bracket. I hold about 40% of my taxable in BRK'B and PRGFX, because of the dividend issue. I hope the rest in VTI and VXUS. The expense ratio of PRGFX is 0.68, so it's not cheap. But I've held that fund for over 5 years, and it's earned its fee every year (in an IRA), in addition ...
by indexfundfan
Sun Oct 01, 2017 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Backdoor 101 - Some basic questions...
Replies: 9
Views: 770

Re: Roth Backdoor 101 - Some basic questions...

mhalley wrote:
Sun Oct 01, 2017 6:21 pm
Vanguard does not accept rollovers, but fidelity does.
Does anyone know if Schwab's solo 401(k) accept rollovers?
by indexfundfan
Sun Oct 01, 2017 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Backdoor 101 - Some basic questions...
Replies: 9
Views: 770

Re: Roth Backdoor 101 - Some basic questions...

Setup a solo 401(k) for yourself and roll the SEP IRA into this new 401(k). After that, you can do the backdoor Roth.

Be sure to select a solo 401(k) provider that accepts incoming rollovers.
by indexfundfan
Sun Oct 01, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Conversion
Replies: 6
Views: 477

Re: Backdoor Roth Conversion

I am 42 and at the income level where I can’t invest in a Roth IRA. I have a traditional IRA with about $400K in it. A few years ago, my accountant suggested I rollover my traditional IRA into a Roth IRA and I completely got sticker shock at the tax bill that would have been due had I done that. Pa...
by indexfundfan
Sat Sep 30, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for Backdoor Roth IRA
Replies: 5
Views: 614

Re: Preparing for Backdoor Roth IRA

The "post tax" IRA is not all post tax unless there are no earnings in there. So there will be tax on the earnings part. Other than that, seems Ok. To expand on this: Your "Traditional IRA with only post-tax funds" probably has earnings. These earnings need to be rolled over into the 403(b) as well...
by indexfundfan
Fri Sep 29, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 163
Views: 26987

Re: Best HSA (2017)

I would add HSA Authority into the mix. HSA Authority - Total $36/year to invest in mutual funds. - Investment options include VG S&P500, TSM (both with ER 0.04%), Emerging Mkts (ER 0.14%), EAFE (ER 0.17%). - Other options: short term bond index (ER 0.07%). SmallCap, MidCap, TIPS, REIT and Lifestra...
by indexfundfan
Fri Sep 29, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7236

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

Am I reading this right that I can invest ALL of my HSA funds for $2.50 per month with no savings account minimum? My current HSA requires $1,000 in a savings account to invest. If I can make 2% on that $1,000, the $20 pays for 2/3 of the fees... Yes, this is my understanding as well. Invest from t...
by indexfundfan
Fri Sep 29, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7236

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

Nate79 wrote:
Fri Sep 29, 2017 10:56 am
I'm happy that my Payflex HSA thru my employer now doesn't have any investment fee. I think the industry is moving in the right direction.
Your employer is probably covering the fee.
by indexfundfan
Fri Sep 29, 2017 8:03 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7236

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

stockfuturist wrote:
Thu Sep 28, 2017 9:29 am
Signup process was painless. 5-minutes. Now to see about switching my payroll deduction.
That's good to hear. The Saturna application took multiple pages and requires a snail mail to send in the paperwork.
by indexfundfan
Wed Sep 27, 2017 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7236

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

We save with OptumBank HSA. No fees. Funds are invested with Vanguard VTSAX at 0.04% expense ratio. Very happy. According to HSA Search, you are paying .03% portfolio fee plus a minimum of $3k or $2.75 monthly. Is that correct? If so Lively would seem to be slightly cheaper as well as having the fu...
by indexfundfan
Wed Sep 27, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7236

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

Is anyone familiar with TDAmeritrade? Do they charge fees for Vanguard funds? Do they have reasonable inexpensive index funds? gasdoc TD Ameritrade has a lot of commission-free ETFs (including Vanguard ETFs). But low-cost mutual funds would have trading fees. If you want to use TD Ameritrade, it is...
by indexfundfan
Wed Sep 27, 2017 7:12 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7236

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

What is interest rate in Lively HSA account? Never mentioned on website. Sick of HSA Bank too many fees. I am not impressed with their interest rates. It is listed in the fineprint on the following page https://livelyme.com/individuals-and-families/ Tier 1: 0.05% (APY of 0.05%) for daily balances l...
by indexfundfan
Wed Sep 27, 2017 7:09 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7236

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

Lively, a startup, offers HSA accounts with "first dollar" investing for $2.50/month ($30/year). Investments are held at TD Ameritrade. https://livelyme.com/individual-and-family-features/invest/ I certainly hope to see more competition to drive down the junk fees charged in the current HSA provide...
by indexfundfan
Tue Sep 26, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 90
Views: 7236

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

Lively, a startup, offers HSA accounts with "first dollar" investing for $2.50/month ($30/year). Investments are held at TD Ameritrade. https://livelyme.com/individual-and-family-features/invest/ I certainly hope to see more competition to drive down the junk fees charged in the current HSA provider...
by indexfundfan
Sat Sep 23, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 163
Views: 26987

Re: Best HSA (2017)

Comparing SelectAccount, HSABank, and Saturna, HSABank seems to be the most well rounded and flexible provider: HSABank: -Total $66/year to invest in Vanguard Index EFTs (via TDAM) [$2.5 maintenance fee/mo + $3 investment fee/mo] -Almost no cash drag (no min balance to invest) -Best balance between...