Search found 133 matches

by DWesterb2iz2
Sun Apr 05, 2020 10:11 am
Forum: Personal Investments
Topic: Using Vanguard Personal Advisor Services
Replies: 30
Views: 1262

Re: Using Vanguard Personal Advisor Services

We have a Vanguard PAS for half our money. The other half is at Schwab where we have a self managed 3 fund portfolio. One thing that's nice about the PAS is that they really stick to the plan even when you might not. For example, if you are at all squeamish about rebalancing out of bonds in a downt...
by DWesterb2iz2
Sun Apr 05, 2020 9:32 am
Forum: Personal Investments
Topic: Using Vanguard Personal Advisor Services
Replies: 30
Views: 1262

Re: Using Vanguard Personal Advisor Services

We have a Vanguard PAS for half our money. The other half is at Schwab where we have a self managed 3 fund portfolio. One thing that's nice about the PAS is that they really stick to the plan even when you might not. For example, if you are at all squeamish about rebalancing out of bonds in a downtu...
by DWesterb2iz2
Sat Mar 21, 2020 11:32 am
Forum: Investing - Theory, News & General
Topic: How did you TLH during this correction?
Replies: 65
Views: 3712

Re: How did you TLH during this correction?

VTI to SPTM. But I should've waited longer, I guess. What's a third partner that isn't substantially similar but satisfies a total US equities allocation? (Considering going to NTSX Wisdom Tree 90/60, I've been following that discussion...). ITOT and SCHB are a good match. Does this mean that the s...
by DWesterb2iz2
Mon Feb 17, 2020 11:41 am
Forum: Investing - Theory, News & General
Topic: Portfolio Visualizer Going Subscription
Replies: 125
Views: 9838

Re: Portfolio Visualizer Going Subscription

I had assumed they made their money executing my awesome hypothetical portfolios.
by DWesterb2iz2
Tue Feb 11, 2020 8:24 am
Forum: Investing - Theory, News & General
Topic: Covered Calls Portfolio
Replies: 11
Views: 1280

Re: Covered Calls Portfolio

Ben Carlson and Michael Batnick just had an Animal Spirits podcast about this sort of thing
https://animalspiritspod.libsyn.com/tal ... -portfolio
by DWesterb2iz2
Thu Dec 19, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: Day Trip to Downtown Chicago
Replies: 62
Views: 3792

Re: Day Trip to Downtown Chicago

To me that's a lot of running around, from here to there, back here then back over there, etc. According to Google, all of the activities after the museum (boat tour, Maggie Daily Park, Millennium Park, dinner in/next to park) are within a few minutes walk of one another. I've done the boat tour ma...
by DWesterb2iz2
Thu Dec 19, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: Day Trip to Downtown Chicago
Replies: 62
Views: 3792

Re: Day Trip to Downtown Chicago

If you want a break, more or less across from the Art Institute and Millennium park is the Chicago Athletic Association. It's now a hotel. But The second floor is a huge beautiful room. It looks like an old world club with wooden walls chairs and couches. It's a great place to rest and check your em...
by DWesterb2iz2
Thu Dec 19, 2019 3:09 pm
Forum: Personal Consumer Issues
Topic: Day Trip to Downtown Chicago
Replies: 62
Views: 3792

Re: Day Trip to Downtown Chicago

We like the Russian Tea Time restaurant, right across from the Art Insitute on Adams. (It’s next to the Route 66 “Begin” road sign). I’m partial to their borscht but maybe your kids wouldn’t like that. The old Soviet propaganda posters on the wall are a hoot. Their website says they’re closed for r...
by DWesterb2iz2
Sat Jun 15, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 10829

Re: Article on high deductible health plans - and the math

The Schwab quote you copied looks perfectly fine. The term high deductible health plan (HDHP) is a specific term usually reserved for plans that are HSA compatible and have nothing to do with the general description of a plan with a high deductible. In the second quote they clearly reference to IRS...
by DWesterb2iz2
Sat Jun 15, 2019 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 10829

Re: Article on high deductible health plans - and the math

Up until this year, we've always used my wife's company HDHP as I was self employed. The deductible was $2500 and the company contributed $500 match to HSA. She was laid off, so this year we on the ACA Silver plan $450/mo. that has deductible 3x of her old companies, but miraculously does not count...
by DWesterb2iz2
Wed Jun 12, 2019 4:50 am
Forum: Investing - Theory, News & General
Topic: What financial information do you wish was more commonly known?
Replies: 50
Views: 10125

Re: What financial information do you wish was more commonly known?

I get information from Schwab and hear on Morningstar podcasts that everyone with “a high deductible plan” should use an HSA. That isn’t currently possible. Health savings accounts are great, and everyone with a qualified plan should use one. But lots of high-deductible, ACA-compliant health insuran...
by DWesterb2iz2
Fri Jun 07, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: how to deal with people who are not living boglehead way of life
Replies: 45
Views: 3264

Re: how to deal with people who are not living boglehead way of life

My New Year’ resolution was to “wait 24 hours before giving advice, then don’t give it.” It’s been a very freeing year.
by DWesterb2iz2
Mon Jun 03, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Recommend a small inexpensive laser printer?
Replies: 39
Views: 3098

Re: Recommend a small inexpensive laser printer?

Thanks Everyone. This was hugely helpful. I took the advice of getting more functions than printing. I got the Brother HLL2390DW (which is an update of the HL2380DW). With tax it all came to about $138 from Amazon. That seems like a good choice for Mom. Thanks again everyone. This site continues to...
by DWesterb2iz2
Mon Jun 03, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: Recommend a small inexpensive laser printer?
Replies: 39
Views: 3098

Re: Recommend a small inexpensive laser printer?

Thanks Everyone. This was hugely helpful. I took the advice of getting more functions than printing. I got the Brother HLL2390DW (which is an update of the HL2380DW). With tax it all came to about $138 from Amazon. That seems like a good choice for Mom. Thanks again everyone. This site continues to ...
by DWesterb2iz2
Sat Jun 01, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: Recommend a small inexpensive laser printer?
Replies: 39
Views: 3098

Re: Recommend a small inexpensive laser printer?

Thanks everybody for all the helpful responses. I really appreciate them.
by DWesterb2iz2
Sat Jun 01, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Recommend a small inexpensive laser printer?
Replies: 39
Views: 3098

Recommend a small inexpensive laser printer?

My senior citizen mom needs a new black and white printer. I’d like to get her a small, reliable, easy to use laser printer. No more ink jet printers. She does not need to print in color and does not print very often. Can anyone recommend one? Refurbished is likely fine. Thank you!
by DWesterb2iz2
Wed May 29, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: The Economist print and digital, $99 today
Replies: 14
Views: 1442

Re: The Economist print and digital, $99 today

There is another promotion: 1 Year Subscription To The Economist For Just $47.99 From DiscountMags. Available in Print or Digital. Also available in Print and Digital for $69.99. Use code: DANSDEALS Link to the post on Dansdeals website: https://www.dansdeals.com/shopping-deals/magazines/1-year-sub...
by DWesterb2iz2
Wed May 29, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: The Economist print and digital, $99 today
Replies: 14
Views: 1442

Re: The Economist print and digital, $99 today

Just a good price on the Economist today: https://www.magazinedeals.com/magazines/subscription/the-economist-magazine-printdigital-magazine.jsp?affid=mageconpd&ptp=1&cpnCode=ECONDPDEAL There are some cheap “digital only” subscriptions on eBay too. One (iphonemachine) has a “best offer” butt...
by DWesterb2iz2
Wed May 29, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: The Economist print and digital, $99 today
Replies: 14
Views: 1442

Re: The Economist print and digital, $99 today

That seems like a very good deal if one wants both print and digital. I think I paid slightly under $100 for print only, and that was before a recent price increase. I may renew my print subscription today as it seems that I could get digital "for free", which would definitely be a plus. ...
by DWesterb2iz2
Wed May 29, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: The Economist print and digital, $99 today
Replies: 14
Views: 1442

The Economist print and digital, $99 today

Just a good price on the Economist today: https://www.magazinedeals.com/magazines/subscription/the-economist-magazine-printdigital-magazine.jsp?affid=mageconpd&ptp=1&cpnCode=ECONDPDEAL There are some cheap “digital only” subscriptions on eBay too. One (iphonemachine) has a “best offer” butto...
by DWesterb2iz2
Sun May 26, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Three days In Montreal
Replies: 21
Views: 1716

Re: Three days In Montreal

There are tons of great places to eat in Montreal, but my favorite place there is L’express. I just love that place. (It’s a bistro, so not for your elegant dinner).

http://restaurantlexpress.com/en/

Agree that St. Joseph’s Oratory is magnificent, and that Notre Dame is really stunning, too.
by DWesterb2iz2
Fri May 17, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 4806

Re: Instant Coffee?

Nescafe Classico https://www.nestleusa.com/brands/coffee/clasico Seconded! It’s “Clasico” with one “s”. Took my mother in law to Tahiti and stayed in small hotels. We got tins of Clasico and a $25 electric kettle at a local store there and had instant coffee every morning in whatever little place w...
by DWesterb2iz2
Tue May 07, 2019 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: "Shopping for Healthcare" - How Use an HSA Effectively
Replies: 30
Views: 2454

Re: "Shopping for Healthcare" - How Use an HSA Effectively

Right all those are true as I said for an HSA compatible plan. My main point was probably lost in trying to be snarky. The main thing is #1. You need to decide how much you are willing to spend out of pocket. Many people look at the HSA plans their employers offer and see they are much cheaper than...
by DWesterb2iz2
Tue May 07, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: What kind of Replacement A/C would you get ??
Replies: 59
Views: 7134

Re: What kind of Replacement A/C would you get ??

If you belong to Costco, be sure to check their deal.
by DWesterb2iz2
Tue May 07, 2019 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: "Shopping for Healthcare" - How Use an HSA Effectively
Replies: 30
Views: 2454

Re: "Shopping for Healthcare" - How Use an HSA Effectively

Using an HSA compatible plan is really easy: 1. During open enrollment pick the plan with the OOP Max that you are willing to pay. 2. Fill HSA to reap tax benefits 3. Pay all the bills until you hit the max how you want. All the caveats about in vs out of network apply as with any other plan type. ...
by DWesterb2iz2
Wed May 01, 2019 10:01 am
Forum: Personal Investments
Topic: Ever Too Much in HSA?
Replies: 53
Views: 5939

Re: Ever Too Much in HSA?

(Duplicate)
by DWesterb2iz2
Wed May 01, 2019 10:01 am
Forum: Personal Investments
Topic: Ever Too Much in HSA?
Replies: 53
Views: 5939

Re: Ever Too Much in HSA?

Also because HSA qualifying plans will become fewer and fewer, as the “total out max of out of pocket” and “minimum deductible” numbers converge. Our plans used to qualify and now don’t, as max out of pocket has risen in our plan. So we can use what we have, but can no longer add to them.
by DWesterb2iz2
Wed May 01, 2019 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Another PPO vs. HDHP thread...
Replies: 14
Views: 1019

Re: Another PPO vs. HDHP thread...

Maybe I'm missing something, but if you believe you will exceed the deductible for the HDHP, that exceeds the out of pocket max for the PPO so why wouldn't you get the PPO? This is true but doesn’t take into account the $2000 employer contribution and HSA tax deduction. However I agree with you in ...
by DWesterb2iz2
Sun Mar 31, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Best Book to Understand Shakespeare?
Replies: 16
Views: 1364

Re: Best Book to Understand Shakespeare?

For anyone with an interest in Shakespeare, check out The Folger Unlimited Shakespeare podcast. They are released often and reliably wonderful.

https://shakespeareandbeyond.folger.edu ... d-podcast/
by DWesterb2iz2
Sat Mar 30, 2019 5:48 pm
Forum: Personal Investments
Topic: Distributing capital gains
Replies: 7
Views: 820

Re: Distributing capital gains

Not sure if this helps answer your question, but I learned here that Vanguard funds that have an ETF Share class are able to avoid capital gains distributions using the trading mechanisms ETFs use. No other company can do this with mutual funds. Here is a link to the question when I asked it. https:...
by DWesterb2iz2
Mon Mar 18, 2019 11:14 am
Forum: Investing - Theory, News & General
Topic: Real Estate Investing Resources?
Replies: 17
Views: 1929

Re: Real Estate Investing Resources?

I thought the Whitecoat Investor's post on Cityvest was interesting. I think the fund he discusses in the original post is closed, but Cityvest has others.

https://www.whitecoatinvestor.com/cityv ... al-estate/

https://www.cityvest.com/home.html
by DWesterb2iz2
Wed Jan 30, 2019 10:25 pm
Forum: Personal Consumer Issues
Topic: Personal hotspot for light internet surfing plus light tv streaming on Hulu/sling
Replies: 10
Views: 1669

Re: Personal hotspot for light internet surfing plus light tv streaming on Hulu/sling

What router do you use with your Calyx institute membership? Can it support an in-home Ethernet infrastructure? Our current DSL provider has been bought out by a company who doesn’t want to sell residential service. Our residential account is grandfathered, but when we move, they won’t serve our ne...
by DWesterb2iz2
Sat Jan 26, 2019 7:23 pm
Forum: Personal Consumer Issues
Topic: Personal hotspot for light internet surfing plus light tv streaming on Hulu/sling
Replies: 10
Views: 1669

Re: Personal hotspot for light internet surfing plus light tv streaming on Hulu/sling

Sorry for the late reply. Just seeing this. We got the hotspot at a place that had no router. It was small and the hotspot covered it all by itself. We didn't use a printer there. I don't know how it would work with one or ethernet, sorry. Also the hotspot device we got is now a couple years old, so...
by DWesterb2iz2
Wed Jan 09, 2019 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Do you take inheritance into account when calculating net worth?
Replies: 68
Views: 6241

Re: Do you take inheritance into account when calculating net worth?

Reminds me of this: A 120-Year Lease on Life Outlasts Apartment Heir Andre-Francois Raffray thought he had a great deal 30 years ago: He would pay a 90-year-old woman 2,500 francs (about $500) a month until she died, then move into her grand apartment in a town Vincent van Gogh once roamed. But this...
by DWesterb2iz2
Mon Jan 07, 2019 10:30 am
Forum: Investing - Theory, News & General
Topic: Are “REIT bonds” distinct from REITS?
Replies: 6
Views: 523

Re: Are “REIT bonds” distinct from REITS?

Thanks everyone. In case anyone is interested, I read the term on the Reddit FI board. https://www.reddit.com/r/financialindependence/comments/ad2ytc/sitting_on_2_million_and_dont_know_what_to_do/ It's in the first bulleted comment list to the guy who has sudden wealth, and asked for investment advi...
by DWesterb2iz2
Mon Jan 07, 2019 6:46 am
Forum: Investing - Theory, News & General
Topic: Are “REIT bonds” distinct from REITS?
Replies: 6
Views: 523

Are “REIT bonds” distinct from REITS?

I saw an internet reference to “REIT bonds”, a term I had not heard of before. Further investigation has not taught me much. Are “REIT bonds” distinct from REITs, and if so, how? Thank you for your help.
by DWesterb2iz2
Thu Dec 27, 2018 10:34 pm
Forum: Investing - Theory, News & General
Topic: What have you learned this year
Replies: 90
Views: 7794

Re: What have your learned this year

My 95 year old uncle plays harmonica well enough to be a guest artist on a newly released CD. Link please! This is awesome. This is a foreign language CD mixed and digitally mastered in the USA. Unfortunately I don't have a link. The band is Radost (Joy). Well, it’s great that he is on the CD. Than...
by DWesterb2iz2
Thu Dec 27, 2018 7:59 am
Forum: Investing - Theory, News & General
Topic: What have you learned this year
Replies: 90
Views: 7794

Re: What have your learned this year

SGM wrote: Wed Dec 26, 2018 3:00 pm My 95 year old uncle plays harmonica well enough to be a guest artist on a newly released CD.
Link please! This is awesome.
by DWesterb2iz2
Wed Dec 12, 2018 6:59 am
Forum: Personal Investments
Topic: [Bond returns are currently negative. Why should I buy bonds now?]
Replies: 19
Views: 3085

Re: [Bond returns are currently negative. Why should I buy bonds now?]

I think you may need to start your thinking at a different point. The two most basic investment classes are bonds and stocks. By buying bonds you loan money to government, government agencies, large corporations, and other large institutions, which repay the loan with interest within a specified ti...
by DWesterb2iz2
Sun Dec 09, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4756

Re: Rental Car Damage Issue

One of the things I like about Hotwire rentals is the collision damage waver is $9.00/day. I’ve been renting that way for this past year and it’s been great. There are downsides to Hotwire, but I really like getting a CDW, and that price is right. I pay $19.95 for car rental property damage coverag...
by DWesterb2iz2
Sat Dec 08, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4756

Re: Rental Car Damage Issue

One of the things I like about Hotwire rentals is the collision damage waver is $9.00/day. I’ve been renting that way for this past year and it’s been great. There are downsides to Hotwire, but I really like getting a CDW, and that price is right.
by DWesterb2iz2
Sat Dec 08, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance for FIRE [Financial Independence Retire Early]
Replies: 83
Views: 7278

Re: Health insurance for FIRE

... I would personally rather see health insurance mandated for all, which would bring down prices and allow people to buy into the ACA for the same rates as group plans. Until then, the current system is what we've got... The current system did mandate insurance for all (until next year), and whil...
by DWesterb2iz2
Thu Dec 06, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance for FIRE [Financial Independence Retire Early]
Replies: 83
Views: 7278

Re: Health insurance for FIRE

In Texas you can get great coverage cheaply as a community college student. One class will make you eligible. Not so in my state, maybe in yours?
by DWesterb2iz2
Thu Dec 06, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance for FIRE [Financial Independence Retire Early]
Replies: 83
Views: 7278

Re: Health insurance for FIRE

Thank you for the thread, OP. I myself am trying to tackle the "elephant in the room", and have been blocked for quite a while because I do not know how to calculate healthcare costs if I retire early. I have used the official calculator (healthcare.gov), and simulated scenarios. My under...
by DWesterb2iz2
Sun Dec 02, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: Meaning of “7-day yield (with waivers)”
Replies: 3
Views: 1148

Re: Meaning of “7-day yield (with waivers)”

Thank you both for your replies.
by DWesterb2iz2
Sun Dec 02, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: Meaning of “7-day yield (with waivers)”
Replies: 3
Views: 1148

Meaning of “7-day yield (with waivers)”

If Schwab money market’s SWVXX “7-day yield (with waivers)”, is 2.13%, does that mean that 2.13% is the actual money market yield? The ER, etc need not be subtracted? Thanks for your help.
by DWesterb2iz2
Wed Nov 28, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 7426

Re: Do Fidelity Offices/Advisors Add Value?

The problem with Fidelity is that in addition to having cheap ( now including zero fee funds] they also have a very expensive options. With vanguard, the worse you get is 0.3% with their PAS, but fidelity can go well north of 1%. That is why I have told my wife to go with vanguard PAS should I get ...
by DWesterb2iz2
Mon Nov 26, 2018 8:53 pm
Forum: Personal Investments
Topic: Good newsletters for speculative investments?
Replies: 14
Views: 1172

Re: Good newsletters for speculative investments?

Edit: a free research site that’s fun to follow is the Burkenroad report out of Tulane. The new one should be out shortly.

https://freeman.tulane.edu/content/burk ... ess-school
by DWesterb2iz2
Sat Nov 24, 2018 7:57 am
Forum: Investing - Theory, News & General
Topic: "Investing" conversations at work
Replies: 32
Views: 4542

Re: "Investing" conversations at work

My New Year’s resolution is going to be based on the wisdom of the three questions: 1. Does it absolutely need to be said? 2. Does it need to be said by me? 3. Does it need to be said right now? If I can apply this to all the responses and opinions and advice that pops into my head, I will be much b...