Search found 2169 matches

by jhfenton
Wed Oct 18, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 26
Views: 2689

Re: TD Ameritrade fund replacement

Those should all be fine. The smallest of those, SPEM, now has $1.1B in assets, double what it had last week as GMM. I believe AUM and liquidity will improve dramatically on all the new SPDR Portfolio funds. Are the assets going up so quickly just from inclusion in the TD Ameritrade commission-free...
by jhfenton
Wed Oct 18, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 2518

Re: Credit scores fell this month a lot for no reason

There is zero risk in extending me credit. The scores aren't entirely designed to estimate your risk. They're designed to rate your attractiveness as a credit customer. Your risk level is only half of that picture. :beer I can't imagine how I would get to 0% utilization while using our cards. We ru...
by jhfenton
Wed Oct 18, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 26
Views: 2689

Re: TD Ameritrade fund replacement

Those should all be fine. The smallest of those, SPEM, now has $1.1B in assets, double what it had last week as GMM. I believe AUM and liquidity will improve dramatically on all the new SPDR Portfolio funds.
by jhfenton
Wed Oct 18, 2017 7:58 am
Forum: Investing - Theory, News & General
Topic: 30th Anniversary of October 19, 1987 stock market crash
Replies: 36
Views: 3034

Re: 30th Anniversary of October 19, 1987 stock market crash

On the evening of Saturday, October 17, 1987, driving home from homecoming, I fell asleep at the wheel and crashed my car into a telephone pole. I broke my jaw and my left collarbone and partially collapsed my left lung. A local judge happened to be driving behind me and rescued me from the smoking ...
by jhfenton
Wed Oct 18, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 2518

Re: Credit scores fell this month a lot for no reason

There is zero risk in extending me credit. The scores aren't entirely designed to estimate your risk. They're designed to rate your attractiveness as a credit customer. Your risk level is only half of that picture. :beer I can't imagine how I would get to 0% utilization while using our cards. We ru...
by jhfenton
Wed Oct 18, 2017 4:55 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 111
Views: 10658

Re: WPA2 protocol used by vast majority of wifi connections has been broken

In all likelihood any hacker would probably target a small business or doctors/ medical place before an individual home or even apartment. . Who knows. I figure hackers have to start somewhere and they might go for the low-hanging fruit first. Like a doctor living in a nearby, affluent neighborhood...
by jhfenton
Wed Oct 18, 2017 4:49 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 139
Views: 13477

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

My HSA money is in my TD Ameritrade account this morning and ready to invest. So in this case, at least, it only took one business day. Edited to add: I persuaded TD Ameritrade to give me three free trades in my HSA. They were reluctant, but I sweet-talked them. It took three messages through their ...
by jhfenton
Tue Oct 17, 2017 9:31 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

Re: Fellow TDA bogleheads

Has anyone gotten free trades from TD like this to use indefinitely, and for HSAs specifically? I think this may not work because (1) as far as I can tell any free trades given from TD have time limits associated with using them, and (2) in the case of HSAs, giving free trades would be considered a...
by jhfenton
Tue Oct 17, 2017 2:30 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

Re: Fellow TDA bogleheads

Has anyone gotten free trades from TD like this to use indefinitely, and for HSAs specifically? I think this may not work because (1) as far as I can tell any free trades given from TD have time limits associated with using them, and (2) in the case of HSAs, giving free trades would be considered a...
by jhfenton
Tue Oct 17, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

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

Lot of discussion about alternative SPDR portfolio ETFs as substitutes. Not really a fair substitute. The SPDR funds are not only changing their tickers. They are CHANGING their tracking index to their OWN proprietary SSGA index. This is very troubling to me and I won’t use them for that reason alo...
by jhfenton
Tue Oct 17, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

Re: TD Ameritrade dropping Vanguard from commission-free ETFs

Have my HSA there with a tiny amount, $20K. Ended up doing this today: BND to SPAB VTI to SPTM VBR to SPSM The only VG fund I didn't dump there was VDE (though I don't see this on the current list of free ETF's, odd). The energy alternatives had very high fees in comparison. Will just pay the commi...
by jhfenton
Tue Oct 17, 2017 10:39 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

Re: TD Ameritrade dropping Vanguard from commission-free ETFs

There is a long thread discussing this, including the equivalents to the Vanguard ETFs:

viewtopic.php?f=10&t=229801
by jhfenton
Tue Oct 17, 2017 10:36 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

Re: Fellow TDA bogleheads

The new list is on their site. VTI is still included in the commission free ETFs. If they remove this ETF, I will contact them and let them know how displeasured I am. This coming from a NRA. VTI and the other Vanguard funds will be removed after November 20. They're sending out email notices to cu...
by jhfenton
Tue Oct 17, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 111
Views: 10658

Re: WPA2 protocol used by vast majority of wifi connections has been broken

Also, I'm wondering if turning off the broadcasting of your network's SSID could help deter invasions?? No. Anyone sophisticated enough to be wardriving in your neighborhood in order the execute this attack will not be slowed down by an unbroadcast SSID. It looks like a basic first step for those m...
by jhfenton
Tue Oct 17, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

Re: Fellow TDA bogleheads

SPTM has an expense ratio of 0.10%, not as good as the 0.04% from VTI. I'm a little irked by TDA emailing me the bad news masquerading as good news. Where do you see 0.10%? I thought it was 0.03% per this link: https://us.spdrs.com/en/etf/spdr-portfolio-total-stock-market-ETF-SPTM That was the old ...
by jhfenton
Tue Oct 17, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

Re: Fellow TDA bogleheads

After logging into my HSA account at TDA, I saw a link to a PDF for the list of free ETFs as of 10/17/17. Also posted on the public site: https://www.tdameritrade.com/investment-products/etfs.page I only use VTI here and it is still an option. There are a total of 30 Vanguard ETFs available. I beli...
by jhfenton
Tue Oct 17, 2017 8:19 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

Re: Fellow TDA bogleheads

I haven't had a chance too look through the list yet, do we still have the ability to make a low-cost three fund portfolio? I used to use VTI, VEU&VSS, and BND. There are equivalents to VTI, VEU, and BND (and VWO), but not VSS. VTI = SPTM (3 bp) VEU = SPDW (4 bp) BND = SPAB (4 bp) VWO = SPEM (11 bp)
by jhfenton
Tue Oct 17, 2017 8:16 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

Re: Fellow TDA bogleheads

Just an FYI - those of you who have balances over $100,000, there is no fee to transfer the entire account out. This is true, and it's the household aggregate balance that matters. We transferred 5 TDAmeritrade accounts to Vanguard two years ago and didn't pay any transfer fees. Two of the accounts...
by jhfenton
Tue Oct 17, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 111
Views: 10658

Re: WPA2 protocol used by vast majority of wifi connections has been broken

You do have to be targeted. They do have to be within wifi range of your house. It can be fixed by patching clients. Those all minimize the likelihood of damage. But, it affects every unpatched client, including IoT devices like smart doorbells and locks and wifi security cameras. How quickly will t...
by jhfenton
Mon Oct 16, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 139
Views: 13477

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

I received an email from Lively support late this afternoon that my trustee-to-trustee transfer check arrived today and had been credited to my account. They said it would show as pending now and would post this evening. I should be able to transfer it to the TD Ameritrade account tomorrow and then ...
by jhfenton
Mon Oct 16, 2017 1:19 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

Re: TD Ameritrade Drops Vanguard From Revamped Commission-Free ETF Lineup TD Ameritrade will nearly triple its overall c

I just noticed that the returns on these (and VGIT) are depressingly low. What do you think about this fund, with a lower ER and higher returns? SPTL (SPDR Portfolio Long Term Treasury ETF) ITE for comparison: https://us.spdrs.com/en/etf/spdr-bloomberg-barclays-intermediate-term-treasury-etf-ITE I ...
by jhfenton
Mon Oct 16, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay and CVV number
Replies: 7
Views: 948

Re: Apple Pay and CVV number

ApplePay sends a dynamically-generated CVV to go with the dynamically-generated Device Account Number. It's supposed to be treated as a card-present transaction, and you're not supposed to have to show the physical card (since there isn't one). Someone has a bad implementation. I've never had a stor...
by jhfenton
Mon Oct 16, 2017 12:42 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

Re: TD Ameritrade Drops Vanguard From Revamped Commission-Free ETF Lineup TD Ameritrade will nearly triple its overall c

Press release and full list of ETFs: https://s1.q4cdn.com/959385532/files/doc_downloads/Expanded-Commission-Free-ETF-Program.pdf What's the best equivalent for VGIT ? I have that in my HSA so that I have to pay minimal state taxes, since CA doesn't recognize HSAs. Looking for a commission-free bond...
by jhfenton
Mon Oct 16, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 111
Views: 10658

Re: WPA2 protocol used by vast majority of wifi connections has been broken

If one has a router through, say, Comcast, does Comcast have to push some sort of firmware when it's available? RM They should be able to. My telecom employer will as soon as we get patches from the manufacturer. Our gateways have a client on them that periodically checks for SW updates. But we don...
by jhfenton
Mon Oct 16, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

Re: Fellow TDA bogleheads

I wouldn't touch these new SPDR Portfolio funds in a taxable account, but I'd be OK with them in a tax-advantaged account, including my new Lively-TD Ameritrade HSA. I expect assets and liquidity will improve for most of the funds. Edited to add: Some of them I wouldn't touch until I actually saw so...
by jhfenton
Mon Oct 16, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

Re: TD Ameritrade Drops Vanguard From Revamped Commission-Free ETF Lineup TD Ameritrade will nearly triple its overall c

There's another thread with an ongoing discussion:

viewtopic.php?p=3575105#p3575105

The closest equivalent to the departing Vanguard funds is the newly-minted lineup of SPDR Portfolio funds.
by jhfenton
Mon Oct 16, 2017 10:04 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

Re: Fellow TDA bogleheads

There's several SPDR® Portfolio funds. The SPDR® Portfolio site is currently "down for maintenance." :? Up for me at the moment. Here's a list, though I didn't check if all are free at TDA: https://us.spdrs.com/en/strategies/spdr-portfolio-low-cost-etfs/view-all-spdr-portfolio-etfs It is back up no...
by jhfenton
Mon Oct 16, 2017 9:45 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

Re: Fellow TDA bogleheads

deltaneutral83 wrote:
Mon Oct 16, 2017 9:43 am
So how much longer will VTI be traded commission free on TDA, or is it a already over?
It should be at least 30 days from when they make the change official.
by jhfenton
Mon Oct 16, 2017 9:33 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

Re: Fellow TDA bogleheads

Here is the list of the new SPDR low-cost ETFs. http://www.businesswire.com/news/home/20171016005642/en/State-Street-Global-Advisors-Launches-Suite-Ultra-Low-Cost SPEM is a name change from GMM, with a price drop from 59 bp to 11 bp. It already had $577.45 MM in assets and traded $2.83 MM per day (a...
by jhfenton
Mon Oct 16, 2017 9:23 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

Re: Fellow TDA bogleheads

lazyday wrote:
Mon Oct 16, 2017 8:52 am
There's several SPDR® Portfolio funds.
The SPDR® Portfolio site is currently "down for maintenance." :?

I'm disappointed that they have MTUM and QUAL, two of the iShares Edge single-factor funds, on the commission-free list but not VLUE. I've always liked the construction of VLUE.
by jhfenton
Mon Oct 16, 2017 7:15 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 111
Views: 10658

Re: WPA2 protocol used by vast majority of wifi connections has been broken

It's definitely worthy of a new thread. I saw the news yesterday from some security folks on Twitter. I hope that fixes will be widely and quickly deployed by vendors, but that will only help folks aware of the problem and savvy enough to update the firmware on their routers. Fortunately, it can be ...
by jhfenton
Mon Oct 16, 2017 7:09 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 139
Views: 13477

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

From the other thread, discussing the changes to TD Ameritrade's commission-free ETF changes: TD Ameritrade Drops Vanguard The list of new ETF providers is not promising, but the key will be whether they have they a few key core iShares ETFs. It does look like they're going pay-to-play, so I'm not h...
by jhfenton
Mon Oct 16, 2017 6:57 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

Re: Fellow TDA bogleheads

I'll wait for an announcement with details, but this sounds pretty grim for low-cost investing with TDA. It definitely does not sound like a promising line-up. :annoyed I'm glad the list is coming out today, because I'm going to be investing my rolled-over HSA money there this week. I'd like to mak...
by jhfenton
Sun Oct 15, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: international funds - brokerage account
Replies: 8
Views: 480

Re: international funds - brokerage account

You are missing Canada which is a reasonable chunk of the global market. You could have everything in one fund if you used Total International Index instead. Is there a reason to want to use 3 separate funds? https://www.bogleheads.org/wiki/FAQ_on_Vanguard_international_funds VTMGX includes Canada....
by jhfenton
Sun Oct 15, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: International [Are multinational US companies the same as international?]
Replies: 12
Views: 662

Re: International

Can someone please explain why holding multinational American companies like apple is the same as investing in international index funds? It's not. You should invest in international index funds. I suggest 30-40%. (I have more than that.) You're welcome. :beer (As PFInterest said, there are numerou...
by jhfenton
Sun Oct 15, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 54
Views: 4462

Re: Amazon Prime - Decline in Delivery Service?

Not here. But we live about 1.5 hours from a massive AMZ distribution center. It's the same for us on both counts. The last thing we had arrive late was a TV last holiday season, and that was entirely UPS's fault. Most of our routine Amazon Prime deliveries now come via Amazon logistics. A few come...
by jhfenton
Sun Oct 15, 2017 1:27 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 465
Views: 40038

Re: Fellow TDA bogleheads

Hopefully they will keep their iShares ETFs. If they're dropping Vanguard ETFs, I hope they will expand their iShares ETFs. They currently only have a handful of the iShares core ETFs on the commission-free list. By comparison, Fidelity offers 70 commission-free iShares covering all of the major as...
by jhfenton
Sun Oct 15, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 139
Views: 13477

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

Is Lively computable with quicken? I don't see anything in the Lively website that hints at downloading transactions, and I'd be surprised if they support it on the back end at this point. Doing a site search for Quicken found nothing. You should send them an email at support@livelyme.com and ask. ...
by jhfenton
Sun Oct 15, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 139
Views: 13477

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

It isn't easy putting together a core four via the commission-free ETF offerings from TD Ameritrade if I exclude Vanguard. I got halfway there with IVV (S&P tracker) and AGG (US bonds) so far. Dirt cheap, too (0.04 and 0.06 respectively). They definitely don't have a complete iShares lineup yet. If...
by jhfenton
Sun Oct 15, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 139
Views: 13477

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 jhfenton
Sat Oct 14, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 52
Views: 7064

Re: Innovis and ChexSystems freeze confirmation letters

Requested both on 9/16. Letter from Innovis took about 2.5 weeks. Letter from Chexsystems arrived today, so 4 weeks. Ours were on the same schedule as yours. Our ChexSystems letters both arrived on Thursday. They took 27 days, from 9/15 to 10/12. Our Innovis we requested 9/14 and received them the ...
by jhfenton
Sat Oct 14, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 139
Views: 13477

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

He confirmed that “most of them would be rotating out” Thank you for that info. This breaks the deal for me. The Vanguard ETFs were the clincher. It would definitely cause me to wait and see if my money weren't already on the way. The best case scenario is that they're going to swap in much of the ...
by jhfenton
Sat Oct 14, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 139
Views: 13477

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

I received an email this morning from Lively that my investment link to TD Ameritrade was set up. In the account online, it shows my HSA balance ($0) and my investment balance ($0), and has a very simple interface to Transfer or Withdraw funds. There is a "My Positions" tab and an "Activity" tab, so...
by jhfenton
Sat Oct 14, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: HSA investment [use guaranteed 4% or use equities]
Replies: 22
Views: 1482

Re: HSA investment [use guaranteed 4% or use equities]

I'd be crazy to pass on a guaranteed 4% in favor of equities, right? In general, I'd jump at a 4% guaranteed return and use it as part of my fixed income allocation. Having it in an HSA where it can't be rebalanced with anything else is not ideal, but starting out I'd go 100% for the guaranteed 4%....
by jhfenton
Sat Oct 14, 2017 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Voluntary Corporate Action Tendered Offer Wal-Mart questions
Replies: 8
Views: 642

Re: Voluntary Corporate Action Tendered Offer Wal-Mart questions

It is the only corporate bond I own. It is in an inherited IRA. The other individual bonds I own are a mix of MBS and agency bonds and UITs. I don't have any specific reason to keep it other than it is earning a good interest rate. If I were to sell it, I would consolidate with my other Total Bond ...
by jhfenton
Fri Oct 13, 2017 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Voluntary Corporate Action Tendered Offer Wal-Mart questions
Replies: 8
Views: 642

Re: Voluntary Corporate Action Tendered Offer Wal-Mart questions

I don't think you're missing anything. For your bond, it appears that they're offering slightly less than fair market value. I looked up your CUSIP, and the bid/ask and third-party price quote today were in the 125.103 to 125.679 range. Walmart is offering 124.189. I'd decline, and if I wanted to se...
by jhfenton
Fri Oct 13, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 4026

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

I agree with the suggestions to be up front and put it in your contract. It makes it feel less personal than if you bring it up when the situation arises. I know, given my personality--analytical, laidback, but suspicious of authority--that I would probably not react well in the spur of the moment t...
by jhfenton
Fri Oct 13, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 139
Views: 13477

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

The clean website is a nice bonus too. Is there anything I'm missing here? The only downside I see is the non-trivial chance that their current business model doesn't work. Maybe fees go up. Maybe they go under. But that would just be an inconvenience. Our assets will be safe at Choice Bank and/or ...
by jhfenton
Fri Oct 13, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone buy long term bonds Now?
Replies: 33
Views: 3023

Re: Why would anyone buy long term bonds?

You won't find many bogleheads that buy a specific long-term bond fund, but many of us own the Total Bond Market, which has a small allocation to long-term bonds. Again, since we don't know the future, we diversify. And that is the primary reason I don't own Total Bond. I don't want long-term bonds...
by jhfenton
Fri Oct 13, 2017 7:36 pm
Forum: Investing - Theory, News & General
Topic: New investment account vs. credit freeze?
Replies: 7
Views: 855

Re: New investment account vs. credit freeze?

Last month I froze my credit with the big 3, Innovis, and ChexSystems. This month I opened a new HSA with Lively and an accompanying HSA brokerage account with TD Ameritrade. Neither online system blinked. (I did have accounts at TD Ameritrade from 199x-2015, so maybe I was still in their system.)