Search found 668 matches

by dual
Sat Aug 25, 2007 6:19 pm
Forum: Personal Investments
Topic: HSA's as pure retirement investment vehicle
Replies: 21
Views: 5299

[quote="mbrasher1"]FWIW, I have my HSA through Patelco Credit Union. They charge fees of $1/month and it is waived for the first year. It seemed like a better deal, at least until the balance gets higher. They give a competitive interest rate (currently 5.12% APY) and I just count the funds there as...
by dual
Sat Aug 25, 2007 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Author recommendations - mostly science fiction
Replies: 68
Views: 23995

Brit-centric

Vauethinker:"Ironic 2 authors who live in Southern California would come up with a 'Brit Centric' novel Confused They are the two least 'British' guys I have met in Science Fiction." If you consider all the PBS series and grocery store rack tabloid stories on the British royals, I think a lot of us ...
by dual
Sat Aug 25, 2007 12:06 pm
Forum: Personal Investments
Topic: HSA's as pure retirement investment vehicle
Replies: 21
Views: 5299

Save your medical bills

The way I interpret it, you can withdraw tax free for medical bills incurred in previous years, so long as they occurred in years when you had the HSA and HDHP. So when you decide to start withdrawing you can match up with the previous bills and withdraw larger amounts. I have decided that I am NOT ...
by dual
Fri Aug 24, 2007 7:17 pm
Forum: Investing - Theory, News & General
Topic: How To Speak Hedge Fund
Replies: 6
Views: 1673

Hedge fund fees

"Give me your $100 million to invest. I will only charge you a 3% per year fee and 20% of any increase. If the investments lose money, that's your tough luck. And I still get my fee!"
by dual
Fri Aug 24, 2007 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Author recommendations - mostly science fiction
Replies: 68
Views: 23995

Books/Authors to stay away from

Spider Robinson-Variable Star. To parahrase, "I knew Bob Heinlein, Bob Heinlein was a friend of mine. Spider, you ain't no Bob Heinlein" Larry Niven, Jerry Pournelle, "The mote in God's eye". Boring, excessively long, all the good action like starship battles takes place off stage, zilch science con...
by dual
Sat Aug 18, 2007 4:15 pm
Forum: Personal Investments
Topic: Insurance my Biggest Expense after Housing
Replies: 17
Views: 5093

self insure

My approach is to self insure for everything except those losses that will cause a catastrophic change in my life. So, I insure against lawsuits and a catastrophic illness. Actually, I think I can self-insure against illnesses but I have health insurance because I don't think I can get admitted to a...
by dual
Tue Jul 31, 2007 8:13 pm
Forum: Personal Investments
Topic: Best option to hold high dividend stocks
Replies: 34
Views: 9095

Foliofn

I hold dividend paying stocks in a foliofn account. I think this gives me the best parts of owning a mutual fund and individual stocks. They allow you to hold a portfolio of 50 stocks for $200/year. You can buy a set dollar amount of a whole portfolio and they will purchase and keep track of the fra...
by dual
Fri Jul 13, 2007 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Tour de France
Replies: 11
Views: 2930

Pronunciation

Why do the TV announcers here in the US pronounce it Tour de Frahnce and then use the regular English pronunciation of France for everything else?

Inquiring minds want to know.

Bob
by dual
Sun Jul 01, 2007 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: If not national health care...then what, exactly?
Replies: 112
Views: 38883

WiseNLucky wrote: "It is also not a matter of me being required to provide health care directly to my neighbor - I am not a health care provider. " So, do you think we should force a doctor/nurse/drug company worker to provide services to someone else? Or should we force someone to pay taxes to pay ...
by dual
Sun Jul 01, 2007 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: If not national health care...then what, exactly?
Replies: 112
Views: 38883

stebul wrote: [/quote]Parents are charged with felony child neglect when they do not provide food and shelter to their children, so yes in some circumstances food and shelter are protected. [quote] You are changing the subject. Does society have an obligation to provide food and shelter to anyone re...
by dual
Sun Jul 01, 2007 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: If not national health care...then what, exactly?
Replies: 112
Views: 38883

Healthcare a right?

For those who say it is a right, I have some questions: Should we have the police enforce it like we do other fundamental human rights, like the right to life and liberty. For example, if you want to deprive another of the right to life i.e. by murdering them, our society will stop you by killing yo...
by dual
Sat Jun 16, 2007 1:15 pm
Forum: Investing - Theory, News & General
Topic: TIPS Auctions : Decision Tree
Replies: 35
Views: 10565

TIPS in taxable account

I think I-bonds are not competitive with TIPS in taxable accounts at today's real interest rates. The difference between the I-bond and, say, the 5 year TIPS real rate is so large that, even if you pay taxes yearly, you are ahead with TIPS. This has been discussed at length here in several threads. ...
by dual
Fri Jun 15, 2007 2:18 pm
Forum: Personal Investments
Topic: Why should I invest in Bond Funds rather than CDs?
Replies: 16
Views: 5825

State Income Tax

A big difference in high tax states is the exemption of interest on Treasury bonds from state income tax. Here in CA it adds about 10% of the CD. Last I checked, most CDs were not competitive with Treasury Note interest on an after-tax basis.

Bob
by dual
Wed Jun 06, 2007 2:43 pm
Forum: Investing - Theory, News & General
Topic: TIPS and tax efficiency
Replies: 11
Views: 2837

TIPS vs Ibonds

This is related to the TIPS vs. Ibonds question. If the real rates are the same, then Ibonds win if you ignore the early redemption penalty. But if there is a big difference, as there is now, then TIPS usually win depending on the inflation. For normal inflation, TIPS are ahead. But with very high i...
by dual
Wed May 23, 2007 11:31 am
Forum: Investing - Theory, News & General
Topic: Hedge fund article in May 23 NY Times Business Section
Replies: 10
Views: 3131

2+20

Their fee structure is even more outrageous than just 2%. The managers also get 20% of any increase in the portfolio. That's absolute increase not say increase over a benchmark like the S&P500!

Nice gig if you can get it.

Bob
by dual
Mon Apr 16, 2007 1:29 pm
Forum: Personal Investments
Topic: Emergency Fund with High Taxes
Replies: 8
Views: 2972

Use state muni mmkt or Fed mmkt

IMO the very low real rate of I-bonds + the 6-month penalty + the minimum holding period makes them unattractive for emergency funds. Here in Taxifornia, the CA Muni MMkt is the best choice depending on your Federal bracket. The last I checked, it was yielding above 3.5% federal and state tax free. ...
by dual
Tue Apr 03, 2007 2:20 pm
Forum: Investing - Theory, News & General
Topic: STORY: Schwab Launches Three Funds Similar to Popular ETFs
Replies: 15
Views: 4473

Expenses

Interesting but the expenses are a little rich for my tastes: basically 0.82% for the select shares (<$10K balance) with a 0.23% reduction only guaranteed through 2/7/09.

Bob
by dual
Sun Mar 11, 2007 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Retire to New Mexico
Replies: 9
Views: 4657

I recall a thread on one of the retire-early boards about retiring to El Paso. There were discussions about the weather, one problem being huge dust storms. IIRC Las Cruces is pretty close to El Paso. Might be something to investigate.


Bob