Search found 211 matches

by cookymonster
Tue Jan 17, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 167
Views: 44938

Re: my review of my HSA with Saturna brokerage

Does anyone know of a non-Vanguard total bond fund with a rock bottom expense ratio? My current HSA is completely invested in VBMPX. I prefer to keep my HSA in bonds, and since these pay out dividends so frequently, I want to avoid ETF's (and the monthly dividend reinvestment fee). If there are no b...
by cookymonster
Sun Jan 15, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Question [Tax Loss Harvesting]
Replies: 2
Views: 410

Re: TLH Question [Tax Loss Harvesting]

You can hold both. If you start buying shares of VXUS, and VEU now starts to decline in price, there is no reason you can't in the future TLH VEU back to VXUS. You would just have to make sure you haven't bought VEU at any point in the 30 days prior to selling.
by cookymonster
Sun Jan 08, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Doctors and retirement
Replies: 67
Views: 9234

Re: Doctors and retirement

One need not travel to get CME for MOC. Nearly all professional societies offer CME online. If you belong to your specialty societies you have already paid for this. One could get 50 hours per year by investing the time, but never leaving home. Go to one or two national meetings a year and actually...
by cookymonster
Tue Jan 03, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting - Is it worth it?
Replies: 85
Views: 11854

Re: Tax Loss Harvesting - Is it worth it?

Is there a list of ETF's and their desired TLH pair somewhere? For me, I would like to do TLH but it's always the question of not being able to find the right pair and then the trading costs for some ETF's. If you don't have trading costs, I guess you can just wait 30 days if it's unlikely for asse...
by cookymonster
Mon Jan 02, 2017 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds go in taxable/
Replies: 13
Views: 4212

Re: Bonds go in taxable/

How does one determine then if bonds should go into 401K or Taxable? I'm in the 33% tax bracket this year and have TBM fund in 401K. I do exactly the same. Invest in SCHZ through my 401k. 33% fed, 5% state. This is much cheaper than any Muni fund I have available and I sleep like a champ. For someo...
by cookymonster
Mon Jan 02, 2017 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds go in taxable/
Replies: 13
Views: 4212

Re: Bonds go in taxable/

Mark2614 wrote:How does one determine then if bonds should go into 401K or Taxable? I'm in the 33% tax bracket this year and have TBM fund in 401K.
I do exactly the same. Invest in SCHZ through my 401k. 33% fed, 5% state. This is much cheaper than any Muni fund I have available and I sleep like a champ.
by cookymonster
Mon Jan 02, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds go in taxable/
Replies: 13
Views: 4212

Re: Bonds go in taxable/

Roth IRA $100K Bonds grows at 2.69% for 30 years to $221,740 =FV(2.69%,30,,-100000,1)=221,740 Taxable $100K Stocks grows at 8% -(15% * the 1.86% yield) = 7.72% to $930,873 over 30 years. =FV(7.72%,30,,-100000,1) You don’t pay capital gains on the original $100K, nor on the $183,177 in dividends rec...
by cookymonster
Mon Jan 02, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: International Small Cap Value?
Replies: 24
Views: 3923

Re: International Small Cap Value?

VSS is pretty tax inefficient (horrendous QDI ratio and doesn't pay much in foreign taxes). I would personally go with SCHC in large transactions, even if I were paying $7 transaction fees. Tax efficiency matters a lot more than sales commissions for anyone in high brackets, unless you are investin...
by cookymonster
Mon Jan 02, 2017 7:06 am
Forum: Investing - Help with Personal Investments
Topic: International Small Cap Value?
Replies: 24
Views: 3923

Re: International Small Cap Value?

VSS is pretty tax inefficient (horrendous QDI ratio and doesn't pay much in foreign taxes). I would personally go with SCHC in large transactions, even if I were paying $7 transaction fees. Tax efficiency matters a lot more than sales commissions for anyone in high brackets, unless you are investin...
by cookymonster
Mon Jan 02, 2017 1:11 am
Forum: Investing - Help with Personal Investments
Topic: International Small Cap Value?
Replies: 24
Views: 3923

Re: International Small Cap Value?

VSS is pretty tax inefficient (horrendous QDI ratio and doesn't pay much in foreign taxes). I would personally go with SCHC in large transactions, even if I were paying $7 transaction fees. Tax efficiency matters a lot more than sales commissions for anyone in high brackets, unless you are investing...
by cookymonster
Fri Dec 23, 2016 6:06 pm
Forum: Investing - Theory, News & General
Topic: Health Equity - new fund lineup, all vanguard - Still .4% AUM fee
Replies: 8
Views: 2407

Re: Health Equity - new fund lineup, all vanguard - Still .4% AUM fee

I'm also planning to transfer out. My balance is getting too high for almost any AUM fee. I guess I'm going to transfer to Saturna, which seems to have issues of its own, but all of the competitors seem to have higher flat or AUM fees.
by cookymonster
Fri Dec 23, 2016 8:25 am
Forum: Investing - Help with Personal Investments
Topic: How long does Capital One Investing take to process a transfer out?
Replies: 18
Views: 2520

Re: How long does Capital One Investing take to process a transfer out?

This thread is timely for me. I mailed my paperwork yesterday for transferring from Capital One Inv. to Vanguard. I was unaware of them not transferring the fractional shares - does anyone know if they charge the $6.95 for selling the fractional shares for each holding? Ask them if you can get a fe...
by cookymonster
Fri Dec 23, 2016 12:09 am
Forum: Investing - Help with Personal Investments
Topic: How long does Capital One Investing take to process a transfer out?
Replies: 18
Views: 2520

Re: How long does Capital One Investing take to process a transfer out?

Once I got that message, the funds showed up in my new custodian five days later, but that was after I had to go through the process once already because they wouldn't transfer fractional shares. They are kind of a pain to deal with. Hopefully for you they will complete the transfer next week. And d...
by cookymonster
Fri Dec 16, 2016 12:11 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1470
Views: 239601

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

So I just got a bonus (from Merrill Edge) into my Roth IRA. I had already put in my max contribution for the year. Can I get in to trouble because the bonus could also be considered a contribution? It is not reported as a contribution. Look back to my post from August in this thread as to how Merri...
by cookymonster
Fri Dec 16, 2016 10:41 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1470
Views: 239601

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

So I just got a bonus (from Merrill Edge) into my Roth IRA. I had already put in my max contribution for the year. Can I get in to trouble because the bonus could also be considered a contribution? I just called another brokerage to ask about their promotion and they said their bonus was considered ...
by cookymonster
Sat Dec 03, 2016 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Adding IJS to portfolio--Anything to consider first?
Replies: 8
Views: 1649

Re: Adding IJS to portfolio--Anything to consider first?

Why not get VIOV instead? It tracks the same index but has a lower ER (0.20%). I think it has a lower volume so the spread might be a little higher too... but if it's a long term holding the lower ER will eventually overcome that.
by cookymonster
Sat Dec 03, 2016 2:02 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1470
Views: 239601

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Has anyone messed around with the motif offer? https://www.motifinvesting.com/offers/offer_150trade?refid=402850FOF2978433522178908 $150 for a $2k deposit, but trading fees eat a lot of it up (since only trades of "motifs" qualify for the bonus). I guess it is a decent excuse to set aside some "play...
by cookymonster
Sat Dec 03, 2016 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Making the best of a terrible 401k
Replies: 15
Views: 1238

Re: Making the best of a terrible 401k

:oops: My condolences. That is a horrendous 401k. I think I would also go with RGABX. Its ER isn't the lowest, and I would normally prefer a large blend or value fund, but all of the others I looked at had fewer than 200 holdings (RIDBX has 122). RGABX at least has 239.
by cookymonster
Tue Nov 29, 2016 5:19 pm
Forum: Personal Consumer Issues
Topic: Credit Card bonuses
Replies: 19
Views: 3540

Re: Credit Card bonuses

If you're new at this and plan to make it a hobby, get the Chase cards, especially the Reserve, FIRST, then move on to other products. Once you have opened five new lines of credit in 24 months, Chase will start denying you (the infamous 5/24 rule), and it is difficult if not impossible to get arou...
by cookymonster
Tue Nov 29, 2016 5:17 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1470
Views: 239601

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Has anyone gotten fees for transfers out reimbursed by Etrade? I had Etrade refuse to add those on my most recent transfer there, but that was on a targeted offer for $500 on a 100k transfer. I didn't really have any other options at the time as I'd just used a similar one at TDA and Merrill Edge o...
by cookymonster
Tue Nov 29, 2016 3:08 pm
Forum: Personal Consumer Issues
Topic: Credit Card bonuses
Replies: 19
Views: 3540

Re: Credit Card bonuses

If you're new at this and plan to make it a hobby, get the Chase cards, especially the Reserve, FIRST, then move on to other products. Once you have opened five new lines of credit in 24 months, Chase will start denying you (the infamous 5/24 rule), and it is difficult if not impossible to get aroun...
by cookymonster
Fri Nov 25, 2016 8:27 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1470
Views: 239601

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Has anyone gotten fees for transfers out reimbursed by Etrade? They're the first so far to refuse this, which would mean I'd only get $495 net of a $600 bonus :? .

I decided to try Etrade since their terms only required keeping the assets in the account for six months, but this is a minor demerit.
by cookymonster
Wed Nov 23, 2016 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Employer Plan is adding "Participant Record Keeping Fees" - any good way to push back?
Replies: 9
Views: 1902

Re: Employer Plan is adding "Participant Record Keeping Fees" - any good way to push back?

It looks like there's a lot of truth to what you guys are saying. Some background on my retirement plans at work: As a HCE, I can only contribute 5% of my salary to my 401(k), and have to contribute the rest of the $18,000 to the 403(b) because of HCE regulations. I found out yesterday that I can't ...
by cookymonster
Tue Nov 22, 2016 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone do tax loss harvesting??
Replies: 25
Views: 2600

Re: Why would anyone do tax loss harvesting??

It's simpler to conceptualize if you just imagine that you buy Vanguard Total Stock Market back 31 days later at approximately the same price. Then you still get to hold it for the long-term appreciation and capture the loss in the short term in your tax return. The advantage of buying a similar-but...
by cookymonster
Tue Nov 22, 2016 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Employer Plan is adding "Participant Record Keeping Fees" - any good way to push back?
Replies: 9
Views: 1902

Employer Plan is adding "Participant Record Keeping Fees" - any good way to push back?

I work for a healthcare MegaCorp that has announced that they are adding "record-keeping fees" of $8 per quarter. I have a 401(k), 403(b) as a HCE, and 457(b), which means this will cost me an extra $96 a year. What makes this especially irritating is they are retroactively imposing it for the third...
by cookymonster
Sun Nov 06, 2016 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation in 401(k) Fidelity
Replies: 4
Views: 770

Re: Asset Allocation in 401(k) Fidelity

Any reason you chose both the S&P 500 and the small market instead of just the total stock market fund (VITPX)? Are you wanting more of a small tilt? You could also do that with a combination with VITPX and the small cap fund and also get mid cap exposure. Doesn't make a big difference either way. W...
by cookymonster
Sun Nov 06, 2016 7:56 pm
Forum: Investing - Theory, News & General
Topic: Continuous TLH Strategy
Replies: 18
Views: 2231

Re: Continuous TLH Strategy

Some good advice in here but note that even with a robust "decision tree" like the one posted by cookiemonster, there are additional edge cases to handle due to fund minimums ($10,000 for many admiral class funds, but $3,000 or $1,000(?) or $50,000 for others). I've found that given all the constra...
by cookymonster
Fri Nov 04, 2016 11:23 am
Forum: Investing - Help with Personal Investments
Topic: ITOT vs VTI in 2016
Replies: 25
Views: 5462

Re: ITOT vs VTI in 2016

Someone check my calculations, but doesn't ITOT distribute almost twice as much in dividends compared to VTI? (Why?) ITOT split in July 2016, so that might affect your # of shares/$10,000 calculation. Thanks, that makes perfect sense. If I divide the quarterly distributions in Dec 2015, March 2016,...
by cookymonster
Fri Nov 04, 2016 11:16 am
Forum: Investing - Theory, News & General
Topic: Continuous TLH Strategy
Replies: 18
Views: 2231

Re: Continuous TLH Strategy

I think livesoft had a thread for TLH'ing in real time. Agree with House Blend that you should only select TLH partners that you would feel comfortable holding forever. I would use this decision tree. At this point, you have a combination of a Fund A and a Fund B: Market rises in 31 days --> hold c...
by cookymonster
Fri Nov 04, 2016 10:18 am
Forum: Investing - Theory, News & General
Topic: Continuous TLH Strategy
Replies: 18
Views: 2231

Re: Continuous TLH Strategy

I think livesoft had a thread for TLH'ing in real time. Agree with House Blend that you should only select TLH partners that you would feel comfortable holding forever. I would use this decision tree. At this point, you have a combination of a Fund A and a Fund B: Market rises in 31 days --> hold co...
by cookymonster
Fri Nov 04, 2016 10:13 am
Forum: Investing - Theory, News & General
Topic: Continuous TLH Strategy
Replies: 18
Views: 2231

Re: Continuous TLH Strategy

double post
by cookymonster
Fri Nov 04, 2016 5:18 am
Forum: Investing - Help with Personal Investments
Topic: ITOT vs VTI in 2016
Replies: 25
Views: 5462

Re: ITOT vs VTI in 2016

Someone check my calculations, but doesn't ITOT distribute almost twice as much in dividends compared to VTI? (Why?) Dividend distribution/share, last 12 months VTI: 2.07 ITOT: 1.7 # shares/$10,000 VTI: 93.58 ITOT: 210.53 Total Distributions/$10,000 VTI: $193.71 ITOT: $357.89 If so, it seems that IT...
by cookymonster
Fri Nov 04, 2016 5:17 am
Forum: Investing - Help with Personal Investments
Topic: ITOT vs VTI in 2016
Replies: 25
Views: 5462

Re: ITOT vs VTI in 2016

Someone check my calculations, but doesn't ITOT distribute almost twice as much in dividends compared to VTI? Dividend distribution/share, last 12 months VTI: 2.07 ITOT: 1.7 # shares/$10,000 VTI: 93.58 ITOT: 210.53 Total Distributions/$10,000 VTI: 193.71 ITOT: 357.89 If so, it seems that ITOT is the...
by cookymonster
Thu Nov 03, 2016 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help! This is my new 401k plan. Worth transferring old 401k into it?
Replies: 11
Views: 1624

Re: Help! This is my new 401k plan. Worth transferring old 401k into it?

For those who are suggesting to transfer the old 401k to an IRA because the fees are lower, do you realize that this basically eliminates the backdoor Roth IRA? The question becomes whether the higher annual expenses in the new 401k (compared to a regular IRA) exceed the tax savings from the backdoo...
by cookymonster
Thu Nov 03, 2016 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Help! This is my new 401k plan. Worth transferring old 401k into it?
Replies: 11
Views: 1624

Re: Help! This is my new 401k plan. Worth transferring old 401k into it?

If your 6 figure salary is too high for you to do a regular Roth IRA, I would say to do the backdoor Roth IRA and transfer your old 401k to the new one with slightly lower fees.
by cookymonster
Thu Nov 03, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Frustrated with Health Insurance Premiums for 2017
Replies: 79
Views: 9738

Re: Frustrated with Health Insurance Premiums for 2017

InvestorAdam wrote: Your only other option is to go with a co-op like medishare or health cost sharing type deal. Many of these have failed since the ACA but there still are some out there.
Would you still be subjected to the penalty if you went through this? Since they're branded as "not insurance."
by cookymonster
Wed Oct 26, 2016 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Easy $300 bonus- Key Bank
Replies: 28
Views: 6228

Re: Easy $300 bonus- Key Bank

are you issued a 1099 for that 'bonus'? Most likely, YES. We just got a similar bonus at Chase and they told us they'll send us a 1099-INT. I wonder why people consider this a significant hassle factor. It couldn't take more than a minute or two to add another line of interest to your return if you...
by cookymonster
Wed Oct 26, 2016 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Easy $300 bonus- Key Bank
Replies: 28
Views: 6228

Re: Easy $300 bonus- Key Bank

are you issued a 1099 for that 'bonus'? Most likely, YES. We just got a similar bonus at Chase and they told us they'll send us a 1099-INT. I wonder why people consider this a significant hassle factor. It couldn't take more than a minute or two to add another line of interest to your return if you...
by cookymonster
Mon Oct 24, 2016 8:18 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1470
Views: 239601

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Capital One. The representative is checking with her supervisor. We'll see what happens. It is obviously based on total deposits and withdrawals within a 90-day period. I am trying to just ask nicely at this point before resorting to threatening to withdraw my assets. Lesson learned. Update: Capita...
by cookymonster
Sun Oct 23, 2016 8:09 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1470
Views: 239601

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

My prior account was closed in 2015. I haven't funded my account yet (can't transfer funds out of another brokerage for a couple of weeks without violating their bonus agreement). The ME representative told me over the phone it would be OK if I received the last offer over a year ago
by cookymonster
Sat Oct 22, 2016 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Easy $300 bonus- Key Bank
Replies: 28
Views: 6228

Re: Easy $300 bonus- Key Bank

If you don't want to keep up with this for six months I agree that this is not worth it. If you are one of those people that like to collect bonuses (bank, credit card, brokerage, etc) as a part time job this is one of the better ones. If you're going to take the time to keep up with one account it ...
by cookymonster
Sat Oct 22, 2016 6:32 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1470
Views: 239601

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Capital One. The representative is checking with her supervisor. We'll see what happens. It is obviously based on total deposits and withdrawals within a 90-day period. I am trying to just ask nicely at this point before resorting to threatening to withdraw my assets.

Lesson learned.
by cookymonster
Fri Oct 21, 2016 9:28 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1470
Views: 239601

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Yeah I withdrew the dividends and transferred them to a broker that didn't charge $6.99 for a trade. Guess that was penny wise and pound foolish.

I'm begging for forgiveness.

The good news is Merrill Edge is letting me recycle my bonus for an extra $1000, even though I got $600 from them last year.
by cookymonster
Fri Oct 21, 2016 8:17 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1470
Views: 239601

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Don't be an idiot like me and let withdrawing $500 worth of dividends 2 months after the transfer cost you $100 in a bonus :oops:
by cookymonster
Sat Oct 01, 2016 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover & Transfer Bonuses
Replies: 2
Views: 508

Re: Rollover & Transfer Bonuses

I use doctorofcredit.com for bank bonuses.

Hustler money blog lists brokerage bonuses.
by cookymonster
Tue Sep 27, 2016 9:42 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1470
Views: 239601

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Which brokerage bonuses can be repeated, and which are "one per lifetime" or "new accounts only" or otherwise restricted in theory/practice? I was thinking that in some cases it could be a mistake to open an account with a lower level balance, if that ruined the chance of getting a bonus for a high...
by cookymonster
Sat Sep 24, 2016 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: HSA: Investments
Replies: 20
Views: 2463

Re: HSA: Investments

It doesn't make a lot of mathematical sense for Health Equity to charge 0.033% a month, rather than 0.4% a year. Even quarterly like most plans would be more sensible. If you start with $10000, and take off 0.033% a month, you end up with $9968.53 at the end of year (feel free to check my math), wh...
by cookymonster
Sat Sep 24, 2016 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: HSA: Investments
Replies: 20
Views: 2463

Re: HSA: Investments

It doesn't make a lot of mathematical sense for Health Equity to charge 0.033% a month, rather than 0.4% a year. Even quarterly like most plans would be more sensible. If you start with $10000, and take off 0.033% a month, you end up with $9968.53 at the end of year (feel free to check my math), whe...
by cookymonster
Fri Sep 23, 2016 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3181
Views: 617738

Re: What's Your Credit Card Rewards Strategy?

- Avoiding cards for now that have had higher sign up bonuses in the past (this is why I haven't gotten the Starwood Preferred Guest Card yet) SPG is switching to 2 free nights (and will probably go away in the next year or two), so the current 25k pts offer might be the best you'll get out of it. ...
by cookymonster
Fri Sep 23, 2016 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3181
Views: 617738

Re: What's Your Credit Card Rewards Strategy?

I'm in the market for a new card, now that I've hit the latest sign up bonus. Here's what I'm looking for: - Large sign up bonus. Travel rewards are good, except that hotel rewards I don't consider very useful - Minimal to no annual fee, at least in the first year - Can't be subject to Chase 5/24 ru...