Search found 1902 matches

by indexfundfan
Tue Nov 21, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Transferring $$ from Ally
Replies: 19
Views: 1030

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: 6
Views: 517

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: 1030

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: 139
Views: 13468

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: 139
Views: 13468

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: 129

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: 139
Views: 13468

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: 690

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: 690

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: 1011

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: 690

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: 690

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: 14593

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: 14593

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: 465

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: 465

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: 465

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: 465
Views: 40011

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: 6371

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: 6371

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: 6371

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: 465
Views: 40011

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: 465
Views: 40011

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: 14593

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: 14593

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: 623

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: 623

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: 465
Views: 40011

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: 465
Views: 40011

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: 465
Views: 40011

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: 465
Views: 40011

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: 465
Views: 40011

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: 465
Views: 40011

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: 1514

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: 632

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: 465
Views: 40011

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: 695

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: 625

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...
by indexfundfan
Tue Oct 17, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: SCHWAB PCRA - Investment help
Replies: 3
Views: 323

Re: SCHWAB PCRA - Investment help

Schwab's own line of ETF are low-cost and mostly have very good trading volume. These trade commission-free. US Total Market : SCHB US Large Cap : SCHK, SCHX US Small Cap : SCHA EAFE : SCHF EAFE Small Cap : SCHC EM : SCHE Total Bond : SCHZ Short term Treasury : SCHO Intermediate term Treasury : SCHR...
by indexfundfan
Mon Oct 16, 2017 10:38 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40011

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 [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40011

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 [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40011

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 [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40011

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: 35
Views: 5860

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 [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40011

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: 34
Views: 2206

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: 5889

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: 5889

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: 34
Views: 2206

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.