Search found 2146 matches

by indexfundfan
Fri Apr 13, 2018 7:52 am
Forum: Investing - Help with Personal Investments
Topic: Short-term investment options at BoA for 100K
Replies: 24
Views: 1652

Re: Short-term investment options at BoA for 100K

I put a small amount of spare cash in the MINT ETF. It is extremely liquid with very tight spreads (a spread of $0.01 with a NAV of around $101).
by indexfundfan
Thu Apr 12, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Short-term investment options at BoA for 100K
Replies: 24
Views: 1652

Re: Short-term investment options at BoA for 100K

Thank you all for the help. So I played around with Merrill Lynch, and bought 4 T-bills in a ladder fashion (maturing 3 months). I will renew them for a 1 year each as they mature. CUSIP, QUANTITY, PRICE, YIELD TO WORST, MATURITY DATE 912796PQ6, 6000, 99.57, 1.72%, 7/12/2018 912796NZ8, 6000, 99.043...
by indexfundfan
Wed Apr 11, 2018 9:23 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 396
Views: 57128

Re: 2-year CDs at Vanguard and Fidelity Today

invstar wrote:
Wed Apr 11, 2018 8:41 pm
Thanks Doc. So are secondary CDs not advised?
Secondary CDs are fine and sometimes you can find even better deals compared to new issues. But what you have listed is not a "regular" CD. Regular CDs are not callable and have fixed rates.
by indexfundfan
Wed Apr 11, 2018 2:28 pm
Forum: Investing - Theory, News & General
Topic: I Bond’s Variable Rate Will Fall To 2.22% On May 1
Replies: 36
Views: 4998

Re: I Bond’s Variable Rate Will Fall To 2.22% On May 1

As to the topic of the thread, I was planning to hold off until May in the hopes of a higher fixed rate. But it seems unlikely they will do more than MAYBE go from 0.1% to 0.2%... and they could keep it the same or even go back to 0.0%. So I'm tempted to just buy now and lock in 0.1% fixed + 2.48% ...
by indexfundfan
Wed Apr 11, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: I Bond’s Variable Rate Will Fall To 2.22% On May 1
Replies: 36
Views: 4998

Re: I Bond’s Variable Rate Will Fall To 2.22% On May 1

I've read many, many threads on this topic here at BH. I'll just say this: My hope is that in 40-50 years, if I'm fortunate to live a long life, and my heirs are dealing with my estate, the TD interface is unlikely to look and operate as it does now. So, my view is if you are interested in I Bonds ...
by indexfundfan
Wed Apr 11, 2018 12:26 pm
Forum: Investing - Theory, News & General
Topic: I Bond’s Variable Rate Will Fall To 2.22% On May 1
Replies: 36
Views: 4998

Re: I Bond’s Variable Rate Will Fall To 2.22% On May 1

Regressor wrote:
Wed Apr 11, 2018 12:23 pm
Is there any advantage to waiting till May first to buy the 10k worth of I bonds as opposed to buying now?
The fixed rate, which is fixed for the duration (30-yr) of the bond, could be raised.
by indexfundfan
Wed Apr 11, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: I Bond’s Variable Rate Will Fall To 2.22% On May 1
Replies: 36
Views: 4998

Re: I Bond’s Variable Rate Will Fall To 2.22% On May 1

I plan to maximize. This gave me pause whether to buy in April or wait for a possible increase in the fixed rate.
by indexfundfan
Tue Apr 10, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Short-term investment options at BoA for 100K
Replies: 24
Views: 1652

Re: Short-term investment options at BoA for 100K

Brokered CDs are FDIC insured and could be issued by banks you already know like Ally, Citibank, Goldman. The main difference is if you need to liquidate early. With a CD directly from the bank, you generally pay an early withdraw penalty. With brokered CDs, you have to find a buyer to buy it from y...
by indexfundfan
Tue Apr 10, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Short-term investment options at BoA for 100K
Replies: 24
Views: 1652

Re: Short-term investment options at BoA for 100K

Open the Merrill Edge account and put the money into brokered CDs. You can get 1.6% for a 3-month CD or 1.9% for a 6-month CD. Assets in Merrill Edge count towards qualifying for Platinum Honors.
by indexfundfan
Tue Apr 10, 2018 12:30 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 396
Views: 57128

Re: 2-year CDs at Vanguard and Fidelity Today

I'm looking at this from Schwab and in addition to those mentioned, I also noticed Ally 2-year at 2.6% (settles 4/19).
by indexfundfan
Sun Apr 08, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: 2-yr treasury ladder with 6-month rungs
Replies: 13
Views: 1519

Re: 2-yr treasury ladder with 6-month rungs

Model CD Ladders - Fidelity The CD autoroll reinvests back to the length of the ladder. No waiting for the next auction. Rates with treasuries are comparable or better. Thanks for the information. I will consider CDs too. But if the after tax return are the same, my preference would be to go with t...
by indexfundfan
Sun Apr 08, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: 2-yr treasury ladder with 6-month rungs
Replies: 13
Views: 1519

Re: 2-yr treasury ladder with 6-month rungs

Fidelity's auto-roll fine print For a maturing U.S. Treasury security, the service will automatically reinvest proceeds from the Maturing Position into the current U.S. Treasury Auction for the security with a term to maturity corresponding to the Maturing Position. In the event the Auto Roll Servic...
by indexfundfan
Sun Apr 08, 2018 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: 2-yr treasury ladder with 6-month rungs
Replies: 13
Views: 1519

Re: 2-yr treasury ladder with 6-month rungs

What is the commission to buy treasuries in the secondary market at Vanguard? Vanguard's website says there is no commission, so I assume you only lose out a bit on the bit-spread?
by indexfundfan
Sun Apr 08, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: 2-yr treasury ladder with 6-month rungs
Replies: 13
Views: 1519

Re: 2-yr treasury ladder with 6-month rungs

I would ask Fidelity for specifics on how their auto-roll program works with these securities. I'd actually be a little bit curious what they say. There are a lot of dates that make it confusing. Let's take the 2 year auction from February: Announcement Date: 2/15/18 Auction Date: 2/21/18 Settlemen...
by indexfundfan
Sat Apr 07, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 261
Views: 39732

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

TDA does offer NTF mutual funds. But these generally have higher expense ratios.

For example, the cheapest NTF S&P500 index mutual fund is probably PREIX, with ER of 0.21%.
by indexfundfan
Sat Apr 07, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: 2-yr treasury ladder with 6-month rungs
Replies: 13
Views: 1519

2-yr treasury ladder with 6-month rungs

I'm considering starting a 2-yr treasury ladder with 6-month rungs at Fidelity. My questions are the following: a) Can this be fully automated (once the ladder is fully established) without user intervention? I think Fidelity's "autoroll" feature will help in this. b) Would there be any time "gaps" ...
by indexfundfan
Sat Apr 07, 2018 7:27 am
Forum: Investing - Help with Personal Investments
Topic: Cost basis corrections
Replies: 10
Views: 818

Re: Cost basis corrections

I have updated the cost basis of uncovered shares using the form. I scanned the completed form and sent it to them using secure message.
by indexfundfan
Mon Apr 02, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1202
Views: 206336

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

My understanding is that these are not self employment income. It is not from a job.
by indexfundfan
Mon Apr 02, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Did I just screw up my first attempt at tax loss harvesting?
Replies: 12
Views: 965

Re: Did I just screw up my first attempt at tax loss harvesting?

If you are not reinvesting into shares of the dividend growth fund, you are fine.
by indexfundfan
Mon Apr 02, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Fast IRS refund
Replies: 41
Views: 4175

Re: Fast IRS refund

8 days for me to get direct deposit from the date of efile. The paper savings bonds came a week later.
by indexfundfan
Sun Apr 01, 2018 8:16 am
Forum: Investing - Theory, News & General
Topic: Many Many Statement Enclosures
Replies: 4
Views: 582

Re: Many Many Statement Enclosures

How did you get 26 pages? In my online statement, I only saw 3 additional pages. One page is to disclose how their research department rate an investment (of no concern to me), and two pages explaining their products. It's only 15 pages, but it's 26 individual statements of "things you ought to kno...
by indexfundfan
Sat Mar 31, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: Many Many Statement Enclosures
Replies: 4
Views: 582

Re: Many Many Statement Enclosures

How did you get 26 pages? In my online statement, I only saw 3 additional pages. One page is to disclose how their research department rate an investment (of no concern to me), and two pages explaining their products.
by indexfundfan
Thu Mar 29, 2018 10:59 pm
Forum: Investing - Theory, News & General
Topic: Will I lose VG bond fund distribution if selling before end-of-month?
Replies: 8
Views: 936

Re: Will I lose VG bond fund distribution if selling before end-of-month?

The implications are that you will be "buying into a distribution" with a fund like VSIGX if you buy near the end of the month. No such issues with VFSUX.
by indexfundfan
Wed Mar 28, 2018 7:04 am
Forum: Investing - Help with Personal Investments
Topic: HSA from taxable state to non-taxable state
Replies: 5
Views: 474

Re: HSA from taxable state to non-taxable state

I'm not a tax advisor but I would think you should be fine to move the assets this year and assuming you are not otherwise required to file CA taxes for 2018 (you are neither a CA resident nor do you have any income attributed to CA). Besides, CA does not offer any tax deduction for any HSA contribu...
by indexfundfan
Tue Mar 27, 2018 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone buying CDs now instead of I bonds?
Replies: 22
Views: 3820

Re: Is anyone buying CDs now instead of I bonds?

I just purchased $5k of Ibonds through the refund method. My god, they sent me a stack of 12 envelopes -- for a total of 12 Ibonds. Why 12? Why not just $1000 x 5? You have no say what are sent to you. Here's how it goes: 4 x $1000, 1 x $500, 1 x $200, 6 x $50. Frankly, I'm amazed the USPS did not ...
by indexfundfan
Tue Mar 27, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard sends out erroneous "not enough money in settlement fund" notice]
Replies: 94
Views: 7166

Re: Concerns with Vanguard

Yikes! Got this email today from Vanguard, in part: "You don't have enough money in your money market settlement fund to pay for a recent trade in your Vanguard Brokerage Account " I received this email too. But this is not the worst. Last month, Vanguard charged me more than $100 of margin interes...
by indexfundfan
Tue Mar 27, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard sends out erroneous "not enough money in settlement fund" notice]
Replies: 94
Views: 7166

Re: Concerns with Vanguard

Yikes! Got this email today from Vanguard, in part: "You don't have enough money in your money market settlement fund to pay for a recent trade in your Vanguard Brokerage Account " I received this email too. But this is not the worst. Last month, Vanguard charged me more than $100 of margin interes...
by indexfundfan
Tue Mar 27, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone buying CDs now instead of I bonds?
Replies: 22
Views: 3820

Re: Is anyone buying CDs now instead of I bonds?

I just purchased $5k of Ibonds through the refund method. My god, they sent me a stack of 12 envelopes -- for a total of 12 Ibonds. Why 12? Why not just $1000 x 5? You have no say what are sent to you. Here's how it goes: 4 x $1000, 1 x $500, 1 x $200, 6 x $50. Frankly, I'm amazed the USPS did not ...
by indexfundfan
Tue Mar 27, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone buying CDs now instead of I bonds?
Replies: 22
Views: 3820

Re: Is anyone buying CDs now instead of I bonds?

I just purchased $5k of Ibonds through the refund method. My god, they sent me a stack of 12 envelopes -- for a total of 12 Ibonds.
by indexfundfan
Mon Mar 26, 2018 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone buying CDs now instead of I bonds?
Replies: 22
Views: 3820

Re: Is anyone buying CDs now instead of I bonds?

You can defer interest on the I Bonds for up to 30 years. You cannot do that with CDs.

Interest on I Bonds can potentially be tax-free if you use the proceeds for education and you meet the income limits.
by indexfundfan
Mon Mar 26, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: TLH partner
Replies: 4
Views: 467

Re: TLH partner

I would be comfortable as long as they track different indices. In addition, Fidelity also has one technology ETF FTEC.
by indexfundfan
Sun Mar 25, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Question about ACA Subsidy
Replies: 20
Views: 2101

Re: Question about ACA Subsidy

If you are using the HSA for long term investments, the best deal is pretty much with a startup called Lively https://www.bogleheads.org/forum/viewtopic.php?f=2&t=228522 I have my HSA with them. Since you are in CA, you need to know that for state tax purposes, HSA is a taxable account. So you need ...
by indexfundfan
Sun Mar 25, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: [Moving out of CA. What city has decent weather?]
Replies: 46
Views: 6977

Re: [Moving out of CA. What city has decent weather?]

Well guys, I appreciate your inputs. My high tech job is working ok so far, but I really don't want to do this job long term. It's just boring and dealing with corporate politic gets me mentally. I want to buy a franchise and run my own business. One thing I know for sure I'll have to move when I q...
by indexfundfan
Sun Mar 25, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: [Moving out of CA. What city has decent weather?]
Replies: 46
Views: 6977

Re: [Moving out of CA. What city has decent weather?]

In Georgia, once you reach 65, you are exempted from paying the property tax funding for schools, and your property tax bill will be cut by about 2/3. I think that is only in a few counties and in some counties there may also be an income limit so you would need to double check the details. You are...
by indexfundfan
Sun Mar 25, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Question about ACA Subsidy
Replies: 20
Views: 2101

Re: Question about ACA Subsidy

For 2019 coverage, it does look like 400% FPL is $83,120, so you would qualify. But you are very close to the edge. I would pick a HSA compatible plan if available so as to be able to reduce the income by about $6850 (the actual amount is not announced yet) for 2019.
by indexfundfan
Sun Mar 25, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: [Moving out of CA. What city has decent weather?]
Replies: 46
Views: 6977

Re: [Moving out of CA. What city has decent weather?]

I read with interest Watty’s response above. I had wanted to ER and move out of the bay area for some time. I had investigated and traveled to different parts of the country. In the end, I picked the northern Atlanta suburbs. The property tax in Georgia is very manageable, about 1% of the appraised ...
by indexfundfan
Sat Mar 24, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: Barrons 'Interactive Brokers top Online Broker'
Replies: 31
Views: 2996

Re: Barrons 'Interactive Brokers top Online Broker'

I had an IB account but I recently transferred out. Yes you can enable share lending to earn some income. But if dividends are paid when the shares are loaned out, these dividends become unqualified and you end up losing money from more taxes. IB says they will try to recall shares when dividends ar...
by indexfundfan
Sat Mar 24, 2018 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: avoiding taxable interest income and dividends?
Replies: 12
Views: 1811

Re: avoiding taxable interest income and dividends?

Some ideas for your taxable account. You can make changes in tax deferred accounts to compensate for changes. Use the following equity classes which have lower dividend yield compared to total market funds : US large growth, US small cap. Use treasury bond funds instead of corporate or bond index. U...
by indexfundfan
Thu Mar 22, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Treasury Bills: Treasury Direct or Vanguard / Fidelity
Replies: 57
Views: 10914

Re: Buying Treasury Bills: Treasury Direct or Vanguard / Fidelity

Does anyone know if the brokerages (Fidelity,Schwab,Vanguard) earn anything if we buy treasury bills or bonds through auction and hold to maturity?
by indexfundfan
Thu Mar 22, 2018 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Buying Treasury Bills: Treasury Direct or Vanguard / Fidelity
Replies: 57
Views: 10914

Re: Buying Treasury Bills: Treasury Direct or Vanguard / Fidelity

Some people mentioned and liked the ability of Fidelity to automatically roll the treasuries over to the next issue when they mature. I'm still trying to find out if Vanguard or Schwab supports this as well (I currently don't have an active account at Fidelity).
by indexfundfan
Wed Mar 21, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Treasury Bill Rates
Replies: 32
Views: 3745

Re: Treasury Bill Rates

Its not a huge premium, but as long as you buy them at Treasury direct or a brokerage like Fidelity that automates the rolling of bills, it is pretty easy to buy a tbill, pay no fees at all, and it will continue to roll it over every month until you tell them otherwise. Does anyone know if VBS or S...
by indexfundfan
Sun Mar 18, 2018 7:28 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1202
Views: 206336

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I think the issue isn't the holding period of the one year, but whether you can actually earn a second bonus in a year, maybe by opening a new account , even possibly a new account type (brokerage vs IRA etc.) I don't actively move my money around to get bonuses. This time, I closed my interactive ...
by indexfundfan
Sun Mar 18, 2018 7:22 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1202
Views: 206336

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I wanted to report that I recently received the cash bonus for an asset transfer to Schwab. I already had an existing account at Schwab; all I did was to call the local Schwab office and asked them if they will match a competitor's offer (I just had to email the link of the TDA offer to them). The ...
by indexfundfan
Sun Mar 18, 2018 3:17 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1202
Views: 206336

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I wanted to report that I recently received the cash bonus for an asset transfer to Schwab. I already had an existing account at Schwab; all I did was to call the local Schwab office and asked them if they will match a competitor's offer (I just had to email the link of the TDA offer to them). The l...
by indexfundfan
Sat Mar 17, 2018 10:05 pm
Forum: Investing - Theory, News & General
Topic: Why am I allowed to pick Vanguard Admiral Shares in my new 403(b) when it has $0 instead of $10,000?
Replies: 15
Views: 2036

Re: Why am I allowed to pick Vanguard Admiral Shares in my new 403(b) when it has $0 instead of $10,000?

I’m so annoyed my wife’s 403b does not offer Vanguard Admiral shares. They definitely have the assets. I’ve asked Vanguard what it would take and they claim I just have to prompt her employer to ask for them. I’ve asked her employer and they replied, somewhat defensively, that they offered a world ...
by indexfundfan
Tue Mar 13, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 261
Views: 39732

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

Has anyone transferred money from their bank to Lively recently? Two month ago, Lively said they are working on speeding up the transfer, so I'm wondering if anyone has any experience to share?
by indexfundfan
Sun Feb 25, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: AC/Furnace Questions- 1 stage or 2 stage?
Replies: 45
Views: 3596

Re: AC/Furnace Questions- 1 stage or 2 stage?

Most multi stage furnaces have a dip-switch or jumpers to configure how the two stages are used. A good many installers will configure them so it always runs in high (i.e. all stages turn on and off together). That's my experience when I replaced my HVAC. My old system was only single stage and the...
by indexfundfan
Thu Feb 22, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Lawn spraying
Replies: 26
Views: 2213

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: 1040

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: 2213

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...