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About D_House

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  1. I have also been accumulating I bonds and will plan to buy at the end of May. These beat any HYSA, CD, or short term bond fund by a mile. I bonds are great for any funds where your goal is reasonable liquidity and capital preservation. Here's an article in which one financial writer presents how to use them as an 11 month CD. A few more details on them: 1. You get credited interest for the entire month, regardless of purchase date, so buying at the end of the month is preferred 2. Interest earned is state and local income tax exempt 3. Interest earned is also federal income
  2. Sorry about your restaurant and happy to hear you made it through! Bonds are ballast for your portfolio and a source of "dry powder" if you have the stomach to rebalance during stock market drawdowns. For an early accumulator they are not as important as closer to retirement. And as a small business owner I am guessing you have some debt, which can be thought of as negative bonds. Hopefully you have a large emergency fund and if that is the case than no bonds is reasonable. But high dividend stocks are not bonds and I don't think there's any evidence that they are less prone to big d
  3. Bought my first individual stonks! Took positions in SE, MELI, and STNE in a new Fidelity HSA. Equal weighted and making up a total of 3% of my portfolio. I wanted more emerging market exposure but don't like the risks/moral hazards of investing in China and think e-commerce will continue to grow in SE Asia and Latin America. After recent tech sell off seemed like a good time to get in. Bought to hold. My goal is to beat Vanguard's EM index (VWO).
  4. Looks great! Are you paying Schwab extra (beyond the expense ratio) for them to pick the specialty index fund?
  5. This looks like an MLP Holding can make tax time tricky: “Downsides of MLPs Perhaps the biggest hassle to being an MLP limited partner is that you will have to file the infamous Internal Revenue Service (IRS) Schedule K-1 form. The K-1 is a complicated form and may require the services of an accountant—even if you did not sell any units. Also, K-1 forms are notorious for arriving late, after many tax preparers thought they had completed their taxes. Also, as an added problem, some MLPs operate in multiple states. Income received may require state tax returns filed in several st
  6. We went with the ‘something else’ (Devenir) for two reasons: it’s integrated through HSA bank so no additional log in and password; and we can auto-invest into mutual funds at a pre-set allocation. They have Vanguard index funds among the options. Downside is the 0.3 % AUM for up to $50k invested. So max $150/yr for the convenience of automation. Worth it to me.
  7. If you have a qualifying high deductible health plan you can open up an HSA independent of your employer/insurer. You can still take the deduction on your income taxes but because the funds don’t come from your paycheck you don’t get to dodge payroll taxes. As mentioned above, I just opened one with Fidelity. I picked them because they don’t have any fees.
  8. What HSA custodians do you all use? We switched our HDHPs from my employer's to my wife's this year as the monthly insurance premiums were lower AND her employer makes a $1k contribution to her HSA every year. Win-win. Her plan uses HSA Bank. We had our old HSA at Payflex. Without an active plan, Payflex charges a couple monthly fees (a 0.2% AUM fee on top of a monthly $5 "maintenance fee"). I can't roll my old HSA into hers because despite making "family" level contributions, the accounts themselves are individual. Those old HSA funds are now mid-transfer to Fidelity (where the
  9. I looked up the fund for you: American Funds PMC Active Core Portfolio - Moderate growth. It looks like a well-diversified static allocation portfolio mixed between domestic and international stocks and bonds. This is Vanguard's 0.13 expense ratio LifeStrategy Moderate Growth Fund. This is not an apples-to-apples comparison as I simply went off of the selected fund's strategy of "Moderate Growth". The American Funds portfolio is 73% equities to fixed income, while the Vanguard is 60%. Over the past eight years, the Vanguard fund has returned 8.5% to 7.75% for the American Funds portf
  10. Trump Administration Will Let More Doctors Prescribe Drug To Fight Opioid Addiction They've waived the need for an X-waiver. This is an important step towards providing greater access to life-saving treatment.
  11. So you had 3 liquid meals throughout the day? Is the 590 calories inclusive of the oat milk?
  12. I had my second dose of the Pfizer vaccine yesterday. Started with muscle aches (low back, neck, and butt) last night. Today had a headache as well as continued aches. Felt crummy enough to take a 2 hour nap in the early afternoon. Woke up and all symptoms gone.
  13. This is a good posting. Just for kicks I went to the first two pages of the thread (from Jan 2013) and looked up tickers that were being discussed as buys. Only two (QQQ and something called CPRX) of about fifteen tickers beat a boring S&P index fund if held until today. Five lost money. And this is in a near-continuous bull market. Notably, there was heavy AAPL discussion - but mostly people unsure of whether to stay with it or sell, not buy. AAPL subsequently did twice as well as an S&P index. There was also someone who shorted AMZN (didn't go well). I enjoy reading ab
  14. A Roth IRA is an individual retirement account to which you contribute after-tax dollars that upon retirement you can withdraw tax free. There are finer details and I encourage reading up on Roth vs traditional IRAs. Link If you are already saving for retirement outside of an IRA, are eligible to contribute to one, and definitely don't need the money til age 59.5, it is almost certainly a good idea to open up an IRA.
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