Here's a statement of the obvious: The opinions expressed here are those of the participants, not those of the Mutual Fund Observer. We cannot vouch for the accuracy or appropriateness of any of it, though we do encourage civility and good humor.
Agreed. My father died of lung cancer and was in a last-ditch clinical trial, which made his last three months hellacious. Before he slipped into a coma, he told me that he wished he hadn't done the clinical trial. Perhaps it's the loved ones who…
Contrary indicator Dennis Gartman is mildly bearish...in laughingstock terms: http://www.cnbc.com/2015/07/27/dennis-gartman-changes-his-mind-on-us-stocks.html
Hi, Hank -- Yes, and why with the price of gasoline and oil plunging are airfares rising? When I fly out to Vegas to visit my son, I am paying on average $250 more roundtrip than when gas was at $4.00/gal and oil was over $100/barrel. They removed…
Sorry...did not try the membership...not interested because I can always shop in stores for less.
Re Target...you can also price match in store to Target.com.
If you have any questions regarding couponing/shopping, feel free to pm me. I know so…
Hi, Scott -- Be sure you print out the Target store coupons on Target.com. You can stack those with manufacturer coupons and Cartwheel. Put Ibotta and Checkout 51 on your smartphone, too!
Here is a link to a free (after first purchase), one year trial membership to Jet.com that was on one of my coupon sites today:
http://hip2save.com/2015/07/22/jet-com-free-12-month-membership-after-1st-purchase-save-on-groceries-household-items-mor…
I am a professional shopper/extreme couponer. I hardly go to Costco at all anymore ...can usually do better at Target or Publix. I use Costco for eye exams, rental cars, and some vitamins. I had Amazon Prime for one year and dropped it...I use it…
Hi, MJG -- Nah...they're not angry. They all seem okay...they just like to argue. Whenever I've taken something they have said a little personally, they have always (kinda) apologized. I really doubt that anyone's political persuasions have been…
Yes, it would have been great to buy XBI a few years ago at the bottom. At my age, however, I would be too nervous to commit that much money at once after the run biotech has had. Much less anxiety to buy a little ETNHX...or FBIOX. Now, if we had …
Hi, Ted -- Yes, although ETNHX has a higher ER than I would like, the managers have definitely earned it. It has been on such a steep incline lately, though, that I'm getting a little nervous. What goes straight up, must come straight down, right?
If a small business were used as a "plunder source", I doubt it would survive very long. Why would a business owner do that? If you are suggesting that I am "ranting" that my xh and I built the business alone, you have misconstrued my comment. Th…
Hey, Dave...been watching British Open and working out...must have missed it in your post when you stated that Ellison created lots of jobs...deepest apologies. I just get a little testy when people start dissing business owners/job creators...unfo…
Besides just buying private jets and mansions, many of those mega-millionaires and billionaires (like Larry Ellison) have actually built businesses that have created thousands of jobs....NBA players and Lady Gaga...probably not so much.
I wouldn't say I am afraid to spend money...I just don't like overpaying for things...or paying anything at all, if I can get it for free! Although I still get alimony and am still in a high tax bracket (thank you, divorce attorney), I decided seve…
Hi, MikeM -
No, the advisor I golfed with was an independent advisor who was down here (FL) to pick up an award he won for his work and visit wealthy clients. Of course, I tried to get some free advice! I thought he was going to try to sell me an…
Hi, msf....I am also using my HSA for saving and investing. It's been a few years since I made the switch to Saturna, but I remember that originally I was in one "arm" of the firm, which didn't have a large list of funds, so I switched my HSA to th…
Hi, Maurice -- I would definitely check again at Fidelity, since HSAs have become more popular. The issue I had was that the maintenance fees were quite steep, and with a small account, it really ate into my return. That's basically why I switche…
Yes, I agree...it can be confusing. I had my HSA at another firm before I moved it to Saturna and it was run very differently. I also manage an HSA for my son at TD Ameritrade...also run differently. Like I said, I have not made any withdrawals, …
My entire IRA is a Roth, which I converted in '08 - '09 (I think). And I have continued with the "back-door" Roth contributions ever since. But an interesting idea, nevertheless...thanks!
Just reached a certain $$ level. Yes, thankfully, I am healthy and using the HSA as a supercharged savings account for future healthcare expenses. I set up the HSA at Saturna Capital...no maintenance fees there. They have a limited selection of f…
Hi, Mike M -- How do you like the Windhaven portfolio? Last year, I played golf with a financial advisor who highly recommended them. Do you get to see the actual portfolio, or is it structured like a mutual fund?
