Search found 406 matches

by allancoleman
Mon Sep 10, 2012 10:04 am
Forum: Personal Finance (Not Investing)
Topic: HSA contribution rules for spouses in all situations
Replies: 12
Views: 4686

Re: HSA contribution rules for spouses in all situations

We picked second option and that have worked really well for last 6 years: Cost less monthly, more free money from employer.... And yes you can use either HSA for all family members, no matter whose name on account. Hope It helps. Yes it helps! We have no children. It seems that as long as I am wil...
by allancoleman
Mon Sep 10, 2012 12:04 am
Forum: Personal Finance (Not Investing)
Topic: HSA contribution rules for spouses in all situations
Replies: 12
Views: 4686

Re: HSA contribution rules for spouses in all situations

As a Xerox corporate employee , I started with a HDHP for the wife and I with a family HSA and then realized that we show of had TWO seperate HSA for the wife and myself both so now the wife has her own HSA with over $11k in her account and I now have a family HSA with over $23k so between the two o...
by allancoleman
Sat Sep 08, 2012 7:39 am
Forum: Personal Finance (Not Investing)
Topic: HSA fees and comparison
Replies: 2
Views: 806

Re: HSA fees and comparison

My own local credit union HSA account fee is zero and I get 0.10% interest . :happy . And I can transfer my HSA balance to my credit union checking account balance free and write my own checks for my medical expenses free if necessary . I just have to pay for my new checks needed occassionally .
by allancoleman
Thu Sep 06, 2012 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Best HSA?
Replies: 3
Views: 931

Re: Best HSA?

We presently have our two HSAs with our local federal credit union with no fees after our HSA institite - to - institute transfers in the past and have been happy so far . :happy
by allancoleman
Sun Aug 26, 2012 9:22 am
Forum: Investing - Theory, News & General
Topic: Need advice on grandchild gifting options
Replies: 20
Views: 2360

Re: Need advice on grandchild gifting options

I used Coverdell Educational Savings Accounts ( ESA ) to fund my Dad's great grand children's ESAs . For more information you can check them out at : ( http://www.savingforcollege.com/coverdell_esas/ ) . At birth , I let parents select which individual ESA provider for their own children and determi...
by allancoleman
Thu Aug 23, 2012 11:18 am
Forum: Personal Investments
Topic: Bond funds in my Roth
Replies: 6
Views: 1249

Re: Bond funds in my Roth

My bond funds in my own Vanguard Roth account are approximately 73% in my Vanguard Admiral class GNMA bond fund ( VFIJX ) , 23% in my Vanguard High - Yield junk bond fund ( VWEAX ) , and 4% in my Vanguard money market fund ( VMMXX ) waiting to purchase more High - Yield at lower n.a.v. prices later .
by allancoleman
Tue Aug 21, 2012 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Best HSA for index fund investing?
Replies: 6
Views: 2407

Re: Best HSA for index fund investing?

After researching several index mutual funds with losses for HSAs in the past , I ONLY use my money market funds for my future medical expenses . :!: :happy
by allancoleman
Tue Aug 21, 2012 9:54 am
Forum: Investing - Theory, News & General
Topic: HSA - Bank Accounts - Inactivity Can Result in Problem?
Replies: 19
Views: 5956

Re: HSA - Bank Accounts - Inactivity Can Result in Problem?

After having more than one HSA custodian in the past , I have transferred to my local federal credit union with a institute - to - institute transfer a couple of years ago without any further difficulties . :happy . Sure is a lot easier sitting directly across the counter from my local credit union ...
by allancoleman
Mon Aug 20, 2012 12:12 pm
Forum: US Chapters
Topic: Anchorage, Alaska Local Chapter
Replies: 2
Views: 1946

Re: Anchorage, Alaska Local Chapter

Anchorage , Alaska residents might also want to know there are now STRAIGHT flights from Anchorage ( ANC ) to Kailua - Kona ( KOA ) on Alaska Air lines that leave from Anchorage to Kona every Saturday and return from Kona back to Anchorage every Sunday . Since I have a winter home at my condo in Kon...
by allancoleman
Sun Aug 19, 2012 6:58 pm
Forum: Personal Investments
Topic: HSA - use this?
Replies: 7
Views: 2451

Re: HSA - use this?

After having several difficult HSA custodians in the past , I found a local credit union and did a institute - to - institute transfer and its a lot easier now to talk to a local credit union instead of some of these other HSA custodians . :happy
by allancoleman
Tue Jan 10, 2012 3:04 pm
Forum: US Chapters
Topic: Kansas Local Chapter - Who's Interested?
Replies: 28
Views: 6616

Re: Honolulu Local Chapter - Who's Interested?

Like I said , paix , it's not a big deal . :) . In my old age , I'm getting more used to misunderstanding what's going on around me . :? . If you're interested in being the coordinator for the Honolulu Local Chapter , piax , I'm interested in joining as a Big island representive member if that's pos...
by allancoleman
Tue Jan 10, 2012 9:44 am
Forum: US Chapters
Topic: Kansas Local Chapter - Who's Interested?
Replies: 28
Views: 6616

Re: Honolulu Local Chapter - Who's Interested?

It's O.K. , Mel and paix . :) . With the amount of interest that is presently being shown on my Kailua - Kona Big island Local Chapter and Anchorage , Alaska Local Chapter posts , I would join your Honolulu Local Chapter because it is only a short inter - island flight away from my neighbor Big isla...
by allancoleman
Mon Jan 09, 2012 1:11 pm
Forum: US Chapters
Topic: Kansas Local Chapter - Who's Interested?
Replies: 28
Views: 6616

Re: Honolulu Local Chapter - Who's Interested?

Having traveled back and forth from Alaska to Hawaii since the 80's , we're well aware that Honolulu is on Oha'u and not the Big island . :) . And I just posted the additional posts about possible Local Chapters in Kailua-Kona on the Big island and Anchorage , Alaska to see if there might not be som...
by allancoleman
Mon Jan 09, 2012 11:27 am
Forum: US Chapters
Topic: Kailua-Kona, Big island Local Chapter
Replies: 3
Views: 1047

Re: Kailua-Kona, Big island Local Chapter

hicabob wrote:alaska/hawaii sounds life an interesting lifestyle - is it as glamourous as we think?
Yes it is , hicabob . And now is an excellent time to visit all of the Hawaiian islands looking for a winter home because of the lower real estate prices on all of the islands . :)
by allancoleman
Mon Jan 09, 2012 10:41 am
Forum: US Chapters
Topic: Anchorage, Alaska Local Chapter
Replies: 2
Views: 1946

Anchorage, Alaska Local Chapter

I'm a snow bird that spends a little more than half the calendar year in the summer in my Anchorage condo . Anyone interested in forming a Local Anchorage , Alaska Chapter . :?:
by allancoleman
Mon Jan 09, 2012 10:37 am
Forum: US Chapters
Topic: Kailua-Kona, Big island Local Chapter
Replies: 3
Views: 1047

Kailua-Kona, Big island Local Chapter

I'm a snow bird that spends a little less than half the calendar year in my Kona condo in the winter . Anyone interested in forming a Local Chapter in Kona . :?:
by allancoleman
Mon Jan 09, 2012 10:19 am
Forum: US Chapters
Topic: Kansas Local Chapter - Who's Interested?
Replies: 28
Views: 6616

Re: Honolulu Local Chapter - Who's Interested?

If you get five or more Bogleheads who want to start a Local Chapter, and one of you agrees to the Local Chapter coordinator (that person doesn't have to be an investing guru), then let me know via PM and I'll assign the next Local Chapter number to your group and add your contact information to th...
by allancoleman
Wed Sep 28, 2011 6:54 pm
Forum: Personal Investments
Topic: Mortgage or Kill the Roth
Replies: 14
Views: 2044

I would never kill my Vanguard Flagship Roth account . :!: . It was too dang difficult to get it in there . The taxfree forever Roth will be much more important to you later when the tax rates have to increase to pay for our past foolishness . And current borrowning rates are much too cheap right no...
by allancoleman
Tue Sep 27, 2011 7:47 pm
Forum: Personal Investments
Topic: HSA Account options
Replies: 9
Views: 1948

With our seperate individual HSAs , ejvyas , we have always elected to keep our HSA funds always fully available for any future medical emergencies and have always used the money market accounts available to us . :)
by allancoleman
Wed Sep 21, 2011 11:43 pm
Forum: Personal Investments
Topic: VG High-Yield - 1% Fee To Sell
Replies: 21
Views: 3288

Financial Engines says Vanguard's High Yield fund behaves as if it were: 6% cash 67% bonds 2% large cap stocks 9% international stocks 16% small/medium stocks So, the junk bond fund behaves as if it were 27% stocks - not 50%. And most of those stocks are probably the small and mid values stocks tha...
by allancoleman
Wed Sep 21, 2011 7:09 pm
Forum: Personal Investments
Topic: Closing Vanguard Account Issues
Replies: 18
Views: 3289

Re: Closing Vanguard Account Issues

Good luck , nomadicinvestor , arguing SEC rules with a custodian . :) . Your personal situation sounds very similar to the innocent airline flyers that are on the " no - fly " list . :roll: . Might be easier to just change custodians . :idea: I know it won't work, but I'm going to send a ...
by allancoleman
Wed Sep 21, 2011 5:54 pm
Forum: Personal Investments
Topic: Closing Vanguard Account Issues
Replies: 18
Views: 3289

Re: Closing Vanguard Account Issues

I'm having huge problems with Vanguard's customer service after they placed a hold on my account because I have a foreign address. You may also want to ask specific questions about this of any proposed new broker. If you are having problems with Vanguard's CS on this issue, it's not unlikely you'll...
by allancoleman
Wed Sep 21, 2011 9:38 am
Forum: Personal Investments
Topic: Closing Vanguard Account Issues
Replies: 18
Views: 3289

Re: Closing Vanguard Account Issues

I'm having huge problems with Vanguard's customer service after they placed a hold on my account because I have a foreign address. You may also want to ask specific questions about this of any proposed new broker. If you are having problems with Vanguard's CS on this issue, it's not unlikely you'll...
by allancoleman
Tue Sep 20, 2011 11:12 am
Forum: Investing - Theory, News & General
Topic: 2011 Roth Conversion Income Limit
Replies: 14
Views: 9503

Although there is no income limits for Roth conversions now , Medicare recipients will want to be careful to not exceed an adjusted gross income of $85K filing single and $170k for a couple filing a joint return or your Medicare Part B premium taken out ot your monthly Socal Security check could mor...
by allancoleman
Mon Sep 19, 2011 10:19 pm
Forum: Personal Investments
Topic: How do you count real estate in AA - by value or cash flow?
Replies: 15
Views: 2225

Re: How do you count real estate in AA - by value or cash fl

Boy , YDNAL , I certainly agree with the " hard asset " , " illiquid " , and " not easily tradeable " . especially now . :!:[/quote] Have you thought about selling it with owner financing?[/quote] I've sold all of my property for cash , Zippy01 , and wouldn't have done...
by allancoleman
Mon Sep 19, 2011 8:32 pm
Forum: Personal Investments
Topic: How do you count real estate in AA - by value or cash flow?
Replies: 15
Views: 2225

Re: How do you count real estate in AA - by value or cash fl

We bought it 12+ years ago for cash flow and continue to hold it for cash-flow purposes. We've sort of never factored in the equity for it, but the value, if I sold it today, after taxes, etc., would be about $250,000, rough guess. Should I count the $250,000 as my percentage of assets in investmen...
by allancoleman
Mon Sep 19, 2011 8:23 pm
Forum: Personal Investments
Topic: How do you count real estate in AA - by value or cash flow?
Replies: 15
Views: 2225

Yes, allenc..., that's my thinking, too. I've always just sort of kept them separate when thinking about investing. The plan, which would be difficult not to achieve, is the income from them will cover property taxes and utilities on my main residence, at a minimum, and probably most of my fixed ex...
by allancoleman
Sun Sep 18, 2011 11:49 pm
Forum: Personal Investments
Topic: How do you count real estate in AA - by value or cash flow?
Replies: 15
Views: 2225

I count my personally owned real estate as a seperate part of my Total portfolio seperate from my Invested assets that include my equities and fixed income assets . I use my tax assessed valuations on each property to determine its value as all of my real estate is now owned completely debt free . I...
by allancoleman
Tue Sep 13, 2011 7:37 am
Forum: Personal Investments
Topic: Roth Conversion--Better with MMkt or Total Bond shares?
Replies: 2
Views: 751

My regular annual Roth conversion for this calendar year was $35k and I used it to purchase the Vanguard Admiral class High - Yield junk bond fund ( VWEAX ) recently because of the recent decline in nav prices in that particular fund . With my present asset allocation of my Vanguard Flagship Roth ac...
by allancoleman
Thu Sep 08, 2011 7:30 am
Forum: Personal Investments
Topic: What Funds Do You Have in Your Roth?
Replies: 28
Views: 4109

Present asset allocation of 77% Vanguard Admiral class GNMA bond fund ( VFIJX ) ) & 23% Vanguard Admiral class High - Yield junk bond fund ( VWEAX ) for my last money spent in retirement after my deferred company 401(k) account has been depleted through withdrawals , regular annual Roth conversi...
by allancoleman
Sun Sep 04, 2011 8:46 am
Forum: Personal Investments
Topic: Advice on HSA investments?
Replies: 10
Views: 4699

My wife and I are in our last calendar year of being qualified for HSA deposits as my wife goes on Medicare next month . However , over the last few years that we have made HSA deposits , we have accumulated over $31k and with her $3k pro - rated deposit for this year , our combined total for both o...
by allancoleman
Wed Aug 24, 2011 8:42 pm
Forum: Personal Investments
Topic: Adirondack Trust HSA to start charging $4 monthly fees
Replies: 23
Views: 3534

After my wife and I had difficulties with more than one HSA custodian in the past , we recently did a institute - to - institute transfer of both our HSAs to our local credit union that charges no fees . :idea: . It's a piece of cake , MDOmnis & wovenhearts , talk to your local credit union and ...
by allancoleman
Wed Aug 24, 2011 8:27 pm
Forum: Personal Investments
Topic: Adirondack HSA now charging $4 per month - what now?
Replies: 2
Views: 759

After my wife and I had difficulties with the fees of several different HSA custodians in the past , we did a institute - to - institute transfer of both our HSAs to our local credit union that charges no fees . :idea:
by allancoleman
Tue Aug 23, 2011 8:37 pm
Forum: Investing - Theory, News & General
Topic: Bob Brinker book interview: Predictably Irrational
Replies: 10
Views: 3053

I listened to Bob last weekend, but I missed the last-hour interview. The book sounds fascinating. The book sounds like it can turn your head upside down, sort of like 'Against the Gods: The Remarkable Story of Risk,' by Peter Bernstein. Oh, and even though he puts out a 'Market Timer' newsletter, ...
by allancoleman
Tue Aug 23, 2011 8:26 pm
Forum: Investing - Theory, News & General
Topic: Bob Brinker book interview: Predictably Irrational
Replies: 10
Views: 3053

Being a listerner to Bob Brinker's Money Talk weekend radio show for many years and subscriber to Bob Brinker's Marketimer too , I enjoy most all of Bob's third hour guests that he interviews .
by allancoleman
Sat Aug 20, 2011 6:12 pm
Forum: Personal Investments
Topic: HSA Bank Fees and other HSA account options
Replies: 2
Views: 859

After my wife and I having our HSA with several different custodians that charged fees with which we were not entirely satisified , we did a institute - to - institute transfer to our local credit union where we aren't charged any fees . :)
by allancoleman
Sat Aug 20, 2011 11:57 am
Forum: Investing - Theory, News & General
Topic: Permanent Portfoio for Bonds??
Replies: 15
Views: 2817

My own permanent fixed income portfolio in my Flagship Vanguard taxfree forever Roth account is the Vanguard Admiral class GNMA bond fund ( VFIJX ) and the Vanguard Admiral class High - Yield ( junk ) bond fund ( VWEAX ) with a present asset allocation of 77% ( VFIJX ) and 23% ( VWEAX ) after recent...
by allancoleman
Fri Aug 19, 2011 12:04 pm
Forum: Personal Investments
Topic: Roth IRA long term political risk
Replies: 9
Views: 3076

For myself , I'll continue to do a regular annual Roth conversion in my taxfree forever Vanguard Flagship Roth account like I've done every year since they were first allowed years ago because every single tax calendar year that a investor misses the opportunity to do a Roth conversion is gone forev...
by allancoleman
Tue Aug 09, 2011 5:33 pm
Forum: Personal Investments
Topic: What Happened To GNMA's
Replies: 11
Views: 2963

As did my Vanguard Admiral class GNMA fund ( VFIJX ) to set a new high all - time - ever nav price of $11.13 . You're right , deerhunter , its probably time to dump these sick puppies . :roll:
by allancoleman
Mon Aug 08, 2011 9:42 pm
Forum: Personal Investments
Topic: What Happened To GNMA's
Replies: 11
Views: 2963

My GNMA's ( VFIJX ) remained unchanged too at a nav price of $11.06 only six cents less than the recent all - time ever - high nav price of $11.12 . : ) . And with a recent yield of 3.37% , I've been very happy with them . Go Ginny . ! !
by allancoleman
Fri Aug 05, 2011 9:59 am
Forum: Personal Investments
Topic: About to kick of early retirement.....help!
Replies: 8
Views: 2555

Congradulations hnicols . :!: . My own total critical mass is 3.1 mil with no debts only I've got over 1.2 mil in my " last - money - spent " Roth account that is 100% fixed income where I reinvest dividends every month with a present asset allocation of 76% GNMAs ( VFIJX ) , 21% ( VWEAX )...
by allancoleman
Wed Aug 03, 2011 10:25 am
Forum: Personal Investments
Topic: Roth And Tax Rate Changes
Replies: 6
Views: 1633

Obviously, these comments should not be taken to endorse additional or fewer conversions for you, since that decision requires extensive analysis of several variables. I will mention just one of them though - if you are self insured for long term care expenses, you would convert less than if you ca...
by allancoleman
Sat Jul 16, 2011 8:35 am
Forum: Personal Investments
Topic: Hsa account funding
Replies: 5
Views: 1041

I'm eligable just don't know if u can save for 20 years and use it in retirement while paying cash through the years thanks for helping I will check with accountant My wife and I , robwny , have had HSAs for years now and between the two of us have accumulated approximately $35k in individual seper...
by allancoleman
Fri Jul 15, 2011 11:59 am
Forum: Personal Investments
Topic: HSA account investment question
Replies: 9
Views: 1717

I have an HSA. I put money there to pay for health care issues tax-free, not as an investment vehicle. That's already a big investment gain. Why risk the principal? Net, I've kept it pretty safe. We definitely agree with " gerntz " on both my wife and my HSA accounts . I have read too man...
by allancoleman
Tue Jul 12, 2011 9:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship rep
Replies: 26
Views: 6737

I had mine changed recently too. I was informed by the new rep that Vanguard is trying to change the Flagship program so that you can actually get in touch with your rep the same day, as well as more overall personalized service. My experience with the new program has been excellent. There has been...
by allancoleman
Mon Jul 11, 2011 9:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship rep
Replies: 26
Views: 6737

I had mine changed recently too. I was informed by the new rep that Vanguard is trying to change the Flagship program so that you can actually get in touch with your rep the same day, as well as more overall personalized service. My experience with the new program has been excellent. There has been...
by allancoleman
Mon Jul 11, 2011 10:22 am
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship rep
Replies: 26
Views: 6737

I probably have. I've never spoken with my rep. I would have to log in to remind myself who he/she is. I seldom speak with my Flagship rep either , Sidney . Usually only when I do my usual annual institute - to - institute Roth conversion from my personal company 401(k) to my personal Vanguard Roth...
by allancoleman
Tue Jun 14, 2011 6:42 pm
Forum: Personal Investments
Topic: GNMA Top Heavy in a taxable
Replies: 7
Views: 1664

Is there a possibility , Paulie , of doing Roth conversions or contributions and gradually moving this GNMA money from a taxable to a taxfree forever account status and not having to worry about required minium distributions later too . :?: . I have my Vanguard GNMA and High - Yield bond fund money...
by allancoleman
Tue Jun 14, 2011 7:49 am
Forum: Personal Investments
Topic: GNMA Top Heavy in a taxable
Replies: 7
Views: 1664

Is there a possibility , Paulie , of doing Roth conversions or contributions and gradually moving this GNMA money from a taxable to a taxfree forever account status and not having to worry about required minium distributions later too . :?: . I have my Vanguard GNMA and High - Yield bond fund money ...
by allancoleman
Thu Jun 09, 2011 11:10 pm
Forum: Investing - Theory, News & General
Topic: Shiller: Home-Price Drop of 10 - 25% 'Wouldn’t Surprise Me
Replies: 53
Views: 7345

I predict a price increase of 10-25% over the next five years. Nick I agree with you , yobria . :) . As usual , real estate is location - location - location and prices will vary depending on your location and how far from the " mean " price your local housing prices got durning the last ...