Search found 1999 matches

by indexfundfan
Thu Feb 22, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Lawn spraying
Replies: 26
Views: 1701

Re: Lawn spraying

In my yard with a dog, the grass is very green coming out of winter wherever the dog has peed or done his business. Your photo goes not suggest dog to me. There would be many such spots if it was dog. If the rest of the lawn was brown, with a circular green spot, I think I could buy that explanatio...
by indexfundfan
Thu Feb 22, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: Bond Fund Interest as QDI?
Replies: 12
Views: 769

Re: Bond Fund Interest as QDI?

I think your question was misunderstood because the term "fixed income" is commonly used equivalently to mean bond funds.

What you are basically asking is whether high dividend stock funds can have better yields compared to bond funds? Is this your question?
by indexfundfan
Thu Feb 22, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Lawn spraying
Replies: 26
Views: 1701

Re: Lawn spraying

Once you get a healthy, thick, lawn established, there should be very little need for weed killer chemicals. One of the keys is to NOT mow your lawn too short. The shortest that your grass should be is 2 1/2" to 3" in the Spring/Fall and try to maintain around 3" in the heat of the summer. Longer g...
by indexfundfan
Thu Feb 22, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Lawn spraying
Replies: 26
Views: 1701

Re: Lawn spraying

My bad. I have Bermuda in the front lawn and Tall Fescue at the back yard (which was hydroseeded last fall). I can see that by asking the question about the brown patch in the same thread, it is confusing people. There is a weed problem in the front lawn (Bermuda). But I don't have weed problem in t...
by indexfundfan
Thu Feb 22, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Lawn spraying
Replies: 26
Views: 1701

Re: Lawn spraying

I noticed this in my backyard which has fescue grass. Any idea what is it and how to prevent it?
Image
by indexfundfan
Wed Feb 21, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Can you transfer money with TransferWise directly to Vanguard?
Replies: 9
Views: 413

Re: Can you transfer money with TransferWise directly to Vanguard?

I know Vanguard can give you ABA and account numbers if you have the Vanguard Advantage account. But that account requires Voyager Select status to qualify and Flagship status to waive fees. Any incoming money goes directly into the settlement fund.
by indexfundfan
Tue Feb 20, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Lawn spraying
Replies: 26
Views: 1701

Re: Lawn spraying

Thanks for all the responses. There's a lot to learn. I bought a bag of weed killer granulars (https://www.homedepot.com/p/Vigoro-5-000-sq-ft-Crabgrass-Preventer-22524-1/203088932) from HD and applied it this afternoon. At some spots, there's quite a lot of broadleaf weeds. I intend to get a spray a...
by indexfundfan
Tue Feb 20, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Lawn spraying
Replies: 26
Views: 1701

Lawn spraying

I noticed in recent days that TruGreen is spraying some chemicals on many neighbor's lawn (bermuda grass). I assume this is for weed control. Since I see weeds emerging from my lawn, I was hoping to get some comments related to the lawn spraying service. Is the chemical similar to what I can buy fro...
by indexfundfan
Mon Feb 19, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: Interactive Brokers fee structure for passive investors
Replies: 36
Views: 2465

Re: Interactive Brokers fee structure for passive investors

The fee is waived if you have $100,000 in assets with them.
by indexfundfan
Sun Feb 11, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25857

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

TD Ameritrade is inflexible too, on purchases prior to the cash being there. Vanguard allows ETF purchases in advance of funding in retirement accounts. You can buy and then fund with an ACH transfer or mutual fund sale. We had retirement accounts at TD Ameritrade for 17 years before we moved to Va...
by indexfundfan
Sat Feb 10, 2018 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25857

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

Hmm, it looks like if I push the money in, I can get the money to TDA in 2 business days instead of 5 business days when I use Lively to pull. My wife's first (employer) payroll deposit went in yesterday, on payday. I forgot to check earlier in the day, but I received an email from Lively at 9:xx P...
by indexfundfan
Thu Feb 08, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Brokerage sweep fund- not worth the trouble
Replies: 5
Views: 582

Re: Brokerage sweep fund- not worth the trouble

With Vanguard I have my checking account linked to Vanguard. All distributions go directly to my checking account. All purchases come directly from my checking account. I don't need to hold cash at Vanguard. I don't know how TDA works. At Vanguard, this works if you only hold mutual funds. I haven'...
by indexfundfan
Wed Feb 07, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: Stock Market Didn't Get Tested You Did - WSJ Zweig
Replies: 20
Views: 3758

Re: Stock Market Didn't Get Tested You Did - WSJ Zweig

Monday was hardly a test. Do that 10 days in a row and then we will see.
by indexfundfan
Tue Feb 06, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 57814

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

I'll just mention something stupid about the SPDRS/SSGA ETFs that I see right now: VTI and SPTM are supposedly total US Stock Market ETFs. So why are VTI and SPTM trading so differently? And why are there executions for SPTM relatively well outside the bid/ask spread? That's great if you are on the...
by indexfundfan
Mon Feb 05, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: How to Invest my HSA - Lively
Replies: 30
Views: 3709

Re: How to Invest my HSA - Lively

Here's what I think. If you can find a credit union that pays a reasonable interest, move the money there, and treat it as part of your cash allocation. You then reduce your cash allocation elsewhere (by the same amount) and invest that money. In this way, you avoid the $30 charge and still keep the...
by indexfundfan
Sun Feb 04, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Why bother with separate and Growth and Value index funds?
Replies: 17
Views: 1609

Re: Why bother with separate and Growth and Value index funds?

For tax reasons, you can put the growth index in taxable account and value index in tax deferred account.
by indexfundfan
Sat Feb 03, 2018 12:18 am
Forum: Investing - Help with Personal Investments
Topic: Transfer in Kind
Replies: 8
Views: 691

Re: Transfer in Kind

To OP: It reduces the number of accounts you need to track by one. Understood. I haven't done anything as of yet, however, does Vanguard charge a fee, which would be on top of the 0.64% that Dodge & Cox Charges ? There's two parts to your question. 1) Transfer the holding from D&C to Vanguard : Van...
by indexfundfan
Thu Feb 01, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25857

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

Direct deposit hit today at my bank. I got an email from Lively that my HSA contribution posted. I logged in and do not see it posted but it may take a bit to fully process. It showed up by the time I logged in this morning and shows as contributed 1/31. I transferred the funds to TDAM. Interesting...
by indexfundfan
Thu Feb 01, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25857

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

Direct deposit hit today at my bank. I got an email from Lively that my HSA contribution posted. I logged in and do not see it posted but it may take a bit to fully process. It showed up by the time I logged in this morning and shows as contributed 1/31. I transferred the funds to TDAM. Interesting...
by indexfundfan
Thu Feb 01, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: California Taxes and HSA
Replies: 3
Views: 574

Re: California Taxes and HSA

I live in sunny California and I am trying to file my state taxes. It is my understanding that I have to pay state taxes on the contributions ($3400 for 2017). I don't quite understand how earnings are taxed. The instructions for Schedule CA 540 say "Interest or earnings in a HSA are taxable in the...
by indexfundfan
Thu Feb 01, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 414
Views: 82445

Re: Bank of America/Merrill Edge - Preferred Rewards

Thanks for your replies. I have another question. Is it possible to set up automatic monthly payment for my credit card at BAC so that it pays off the entire balance each month? I found the BAC web site very confusing. It allows me to set up recurring monthly payment for a set amount but not for th...
by indexfundfan
Thu Feb 01, 2018 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Is this portfolio allocation reasonable?
Replies: 6
Views: 418

Re: Is this portfolio allocation reasonable?

The 60/40 allocation with the two funds looks reasonable. But VTWSX at ER 0.21% is "expensive". If you split it into US Total (ER 0.04%) and International Total (ER 0.11%), you can cut the expense by more than half without loss of diversification. I did think about that, but Vanguard has been decre...
by indexfundfan
Thu Feb 01, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Is this portfolio allocation reasonable?
Replies: 6
Views: 418

Re: Is this portfolio allocation reasonable?

The 60/40 allocation with the two funds looks reasonable. But VTWSX at ER 0.21% is "expensive". If you split it into US Total (ER 0.04%) and International Total (ER 0.11%), you can cut the expense by more than half without loss of diversification. Splitting it also makes it easier to tax-loss harves...
by indexfundfan
Wed Jan 31, 2018 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer in Kind
Replies: 8
Views: 691

Re: Transfer in Kind

To OP: It reduces the number of accounts you need to track by one.
by indexfundfan
Mon Jan 29, 2018 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest my HSA - Lively
Replies: 30
Views: 3709

Re: How to Invest my HSA - Lively

If the balance is $1250, my suggestion is to look for a credit union with no fees and move the balance there (savings account).

HSA custodians that support investing charge a fee of at least $30 a year. This makes it impractical to invest the $1250.
by indexfundfan
Sun Jan 28, 2018 10:24 pm
Forum: Investing - Theory, News & General
Topic: Roboadvisors - tax loss harvest entire portfolio during a big recession?
Replies: 12
Views: 1206

Re: Roboadvisors - tax loss harvest entire portfolio during a big recession?

For example, this article from Betterment talks about swapping IEMG for VWO during tax loss harvesting.

https://www.betterment.com/resources/re ... ite-paper/

It also lists many TLH partner funds.
by indexfundfan
Sun Jan 28, 2018 10:21 pm
Forum: Investing - Theory, News & General
Topic: Roboadvisors - tax loss harvest entire portfolio during a big recession?
Replies: 12
Views: 1206

Re: Roboadvisors - tax loss harvest entire portfolio during a big recession?

Hypothetically, they will sell the lots with losses and immediately replace them with ETFs invested in the same area. I doubt the money will sit in cash. Perhaps I’m wrong, but I though if money sold from one sector (like real estate ETF for example) could not be reinvested in that sector for a per...
by indexfundfan
Sun Jan 28, 2018 10:13 pm
Forum: Investing - Theory, News & General
Topic: Roboadvisors - tax loss harvest entire portfolio during a big recession?
Replies: 12
Views: 1206

Re: Roboadvisors - tax loss harvest entire portfolio during a big recession?

Hypothetically, they will sell the lots with losses and immediately replace them with ETFs invested in the same area. I doubt the money will sit in cash.
by indexfundfan
Sun Jan 28, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Confused about Roth Conversions and MAGI for ACA Eligibility
Replies: 4
Views: 454

Re: Confused about Roth Conversions and MAGI for ACA Eligibility

There are different "versions" of MAGI. For the purpose of ACA eligibility, Roth conversions are counted. In addition, dividends from tax exempt bond funds are also added to the MAGI. You need to make a decision whether to do the Roth conversions and forgo the subsidies. For myself, I'm not doing th...
by indexfundfan
Sat Jan 27, 2018 9:14 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 847
Views: 144945

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Fidelity changed their marketing approach. Rather than offering a bonus and higher commissions they lowered their commission and got rid of the bonuses. They're still marketing, just in different ways. The Schwab rep told me the same thing about Schwab bonuses. They are cutting costs and giving fre...
by indexfundfan
Sat Jan 27, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25857

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

Here's Lively's reply when I asked them about the long ACH time and pushing money into Lively: We’ve actually been working on speeding up the posting of funds so the delay should go down in the near future. With the way the banking network works, there’s a 2-4 banking day delay between funds actuall...
by indexfundfan
Sat Jan 27, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: HSA Asset Allocation
Replies: 5
Views: 529

Re: HSA Asset Allocation

Made the switch to Lively/TD for my HSA. Now need the infinite wisdom of BH to set up asset allocation. I'm going 100% equities as I don't plan to use this money for at least 15 years (Hopefully even longer) and I have a healthy bond percentage in other accounts. Here's what I have planned..... 65%...
by indexfundfan
Fri Jan 26, 2018 7:15 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25857

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

I noticed Lively provides a set of ABA/Acc numbers. Has anyone tried pushing money into Lively through ACH?
by indexfundfan
Thu Jan 25, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25857

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

KATNYC wrote:
Thu Jan 25, 2018 8:57 am
Buying DGS
Wow, that's an "extreme" tilt. I thought earlier you said you were going for a total market ETF. :shock:
by indexfundfan
Thu Jan 25, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25857

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

Still waiting for my 2017 $6,750 contribution made on 1/18 to move from pending to available at Lively. I did a pull with Lively from my bank. It cleared my bank on 1/19 around 6:30 am. I set up a direct deposit on paydays to Lively. According to my experience, the money should move from pending to...
by indexfundfan
Wed Jan 24, 2018 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab brokerage incentive $2,500 - - - thoughts?
Replies: 72
Views: 18555

Re: Schwab brokerage incentive $2,500 - - - thoughts?

I believe the rep receives $800 if you bring in $1m.

https://www.schwab.com/public/schwab/nn ... sentatives

So remember, the rep wants your assets and is compensated well. Don't be afraid to ask. :-)
by indexfundfan
Wed Jan 24, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: are updated 2017 IRS tax forms and instructions available?
Replies: 8
Views: 647

Re: are updated 2017 IRS tax forms and instructions available?

Most of the TCJA provisions do not affect the 2017 tax return. The only effect on 2017 taxes that I can think of, arising from the TCJA, is the medical deduction threshold being changed from 10% to 7.5%. I did notice that this change was already reflected in the latest H&R software update.
by indexfundfan
Wed Jan 24, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 57814

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

Sorry if this has been covered earlier in this long thread: Did TDAM get rid of the short term trading fee for commission-free ETFs?
by indexfundfan
Wed Jan 24, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Novice needs ideas on fixing 401K and NUA company stock treatment
Replies: 27
Views: 1141

Re: Novice needs ideas on fixing 401K AA

indexfundfan........ the company stock must stay in the 401 plan until my wife retires. She then can move the stock into a taxable account to position it for selling. She would like to sell it all in one shot.....but was wondering if she could still do that and stay in 15 % Capital Gains rate. Firs...
by indexfundfan
Wed Jan 24, 2018 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Novice needs ideas on fixing 401K and NUA company stock treatment
Replies: 27
Views: 1141

Re: Novice needs ideas on fixing 401K AA

Not sure what you meant by not taking the NUA option. You have a huge NUA in the company stock ($820k). Given your wife's age, can she distribute the entire company stock to a taxable account first before selling the shares? That way, you will only pay most of the tax at the LTCG rate instead of inc...
by indexfundfan
Wed Jan 24, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25857

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

Still waiting for my 2017 $6,750 contribution made on 1/18 to move from pending to available at Lively. I did a pull with Lively from my bank. It cleared my bank on 1/19 around 6:30 am. I set up a direct deposit on paydays to Lively. According to my experience, the money should move from pending to...
by indexfundfan
Tue Jan 23, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25857

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

Still waiting for my 2017 $6,750 contribution made on 1/18 to move from pending to available at Lively. I did a pull with Lively from my bank. It cleared my bank on 1/19 around 6:30 am. I set up a direct deposit on paydays to Lively. According to my experience, the money should move from pending to...
by indexfundfan
Mon Jan 22, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25857

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

My wife just started a new job, and her employer told her to set up her own HSA account and give them the account information to make deposits. Her employer will contribute $1,000 per year ($38.46/2 weeks). So we set up an account for her at Lively, and we will see how those deposits go. (We are st...
by indexfundfan
Mon Jan 22, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25857

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

Could you try a "push" from your bank account and see if it shortens or eliminates the effective hold time at Lively? This is one interesting suggestion. I did notice the Choice Financial ABA/Account numbers on the Lively website. If I push in the money, it might shorten the time it takes for the m...
by indexfundfan
Mon Jan 22, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25857

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

That looks like 5 days to me. I don't think you get to count the initiating day. :beer It's still longer than I consider reasonable. Could you try a "push" from your bank account and see if it shortens or eliminates the effective hold time at Lively? You're right. It should be 5. I edited my post.
by indexfundfan
Mon Jan 22, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25857

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

My ACH transfer to TDAM (Lively) is completed. Day 1: Submitted transfer request (during business hours). Day 2: Morning: Money was deducted from external bank, but it was not credited to Lively. Day 3: No progress. Day 4: Night: Money credited at Lively. I immediately submitted the request to move ...
by indexfundfan
Fri Jan 19, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25857

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

Hmm. I haven't attempted an ACH to Lively, so I can't say whether the delay on an ACH pull was normal. But I haven't seen more than an overnight delay on the transfers to TD Ameritrade. I would call or email them and see what's up. I'd emailed them. That's their standard / normal speed for ACH. I b...
by indexfundfan
Fri Jan 19, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25857

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

I wanted to report on the long lag time to get money into Lively/TDAM using Lively's ACH transfer. This is not custodian rollover. The following is the timeline in business days: Day 1: Submitted transfer request. Day 2: Morning: Money was deducted from external bank, but it was not credited to Live...