Search found 555 matches

by danaht
Sun Jan 20, 2019 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: REIT in tax deferral account?
Replies: 11
Views: 544

Re: REIT in tax deferral account?

Correct - holding a REIT in a 401K, IRA, and Roth accounts is the ideal place for it. Just be careful of individual stocks. Some of the stocks that pay 10%+ dividends are value traps - and may even go out of business. Buying a REIT index fund (like VNQ) might be a better approach - if you want to ov...
by danaht
Thu Jan 10, 2019 11:13 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65486

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Looks like my transfer from HSA Bank/ TD Ameritrade to Fidelity just completed. Some notes for people who are thinking about transferring: 1) I started the transfer on January 3rd - so it only took 6 business days to complete. 2) I transferred all of of the cash in my HSA Bank savings account to TD ...
by danaht
Sun Jan 06, 2019 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 408
Views: 41762

Re: What is/ was your career and would you recommend it now?

software developer - I would kind of recommend it. (see below) pros: Good hours are possible. The company I work for now keeps a 40 hour work week policy. If you work more - you usually get time off for that later. Good pay is possible. It's possible to get really good pay depending on your skill le...
by danaht
Tue Jan 01, 2019 8:10 pm
Forum: Investing - Theory, News & General
Topic: The big Value Trap year of 2018
Replies: 35
Views: 3624

Re: The big Value Trap year of 2018

The market went too far up in 2017 - we were long due for a "reversion to the mean". I think the S&P 500 is fairly valued now. 2019 will probably be a good year to invest in the S&P 500 for the long term.
by danaht
Tue Jan 01, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: Porting Landline # to Google Voice On The Cheap
Replies: 18
Views: 1677

Re: Porting Landline # to Google Voice On The Cheap

+1 for porting to T-Mobile first. You can buy a used T-Mobile phone for $10 (if you don't have one) and get a pre-paid sim for it for $10. Then just transfer your land line number to the T-Mobile (pay as you go account). Once your number is transferred to T-Mobile - then you can start the google voi...
by danaht
Sun Dec 30, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: any reason not to sell my REIT (VNQ)
Replies: 13
Views: 1044

Re: any reason not to sell my REIT (VNQ)

A REIT index fund like VNQ is tax inefficient in a taxable account. However, an individual REIT stock is more tax efficient due to the recent tax law changes (a 20% tax deduction applies). I am not advocating that you buy individual stocks - just stating the facts. I like the valuation of both REITs...
by danaht
Fri Dec 28, 2018 8:42 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65486

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

My transfer from TDA to Fidelity was completed on 12/26, which fell between the ex date and payment date for my etf dividends. I'm hoping they will get swept in to Fido automatically. I had planned to close my HSA Bank acct before the new year to avoid the next month's fees but maybe I should wait ...
by danaht
Fri Dec 28, 2018 8:29 am
Forum: Investing - Help with Personal Investments
Topic: HSA account with Fido vs others?
Replies: 4
Views: 574

Re: HSA account with Fido vs others?

There are really only two HSAs to consider that offer no fees for individuals: 1) Fidelity 2) Lively (*no fees starting in January 2019) As a consumer - I would not consider any other HSA at this point. I am leaving HSA Bank in January 2019 for Fidelity. But, I will need to keep my Optum HSA account...
by danaht
Wed Dec 26, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7301

Re: Nice jeans for work with lowest average cost of ownership

Target occasionally has a 20% off jeans sale. When the sale happens - I get the Denizen (from Levis) Relaxed Fit 285 . These are comfortable jeans that truly are relaxed fit. A lot of the other "relaxed fit" jeans are not really that relaxed fit. These jeans are good quality, look good - and I wear ...
by danaht
Thu Dec 20, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: Lively has caved on HSA fees
Replies: 16
Views: 1244

Re: Lively has caved on HSA fees

I am curious how Lively will be able to generate income. Does TD Ameritrade pay them anything for all the assets that are managed? Fidelity is able to generate income by increasing the assets under management. I would be more inclined to go with Fidelity - just because I would worry about Lively's o...
by danaht
Sun Dec 16, 2018 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Protection of brokerage accounts in Vanguard / Fidelity with more than 250K / 500K
Replies: 17
Views: 2793

Re: Protection of brokerage accounts in Vanguard / Fidelity with more than 250K / 500K

I think Fidelity and Vanguard should almost be considered "too big to fail". I am not losing too much sleep on either one failing.
by danaht
Sun Dec 16, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: How much do you pay for internet only?
Replies: 79
Views: 5194

Re: How much do you pay for internet only?

$57.46 a month in north Texas with Spectrum. It's a great service - very fast - and only goes down about twice a year for a few hours. On a related note: I can't wait for wireless 5g networks to appear here. The 5g speed will finally be able to compete with cable - and no more wires for my dog to di...
by danaht
Sun Dec 16, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19521

Re: Favorite Purchase of 2018?

Google Pixel 3 XL - Great camera, and I finally get a phone with wireless charging. No more dealing with the usb port getting clogged with lint after 1 year.
by danaht
Sun Dec 16, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contra Fund
Replies: 24
Views: 2110

Re: Fidelity Contra Fund

I used to have Contra Fund as well. What made me sell it was the recently increasing expense ratio. Right now it is at .74%. So you are almost losing 1% a year to expenses by owning this fund. However - if your 401k plan offers a cheaper expense ratio for the fund (some do) - it might be worth inves...
by danaht
Sun Dec 16, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Shell $0.05/gal discount card
Replies: 27
Views: 1510

Re: Shell $0.05/gal discount card

Thanks. Good to know. I really like Shell - and even own some of their stock. Unfortunately a lot of Shell stations have been converted to Exxon stations in my area - but I have a few Shell stations left still by my work.
by danaht
Sun Dec 02, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 53
Views: 4476

Re: Please Recommend a New Car for Me

Sites like Edmunds are better suited for your search. No one drives manuals any longer. Subarus are designed for the Northeast. I drive a manual - and prefer it. Hopefully automakers continue to produce these as long as they make ICE vehicles. Electric cars and hybrids of course will be the end of ...
by danaht
Sat Dec 01, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65486

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Anybody know if the cash transfer from Optum to Fidelity requires the medallion signature? I just mailed in my paperwork without it.... I don't think it does. Please let us know if Optum charged you a fee, and also if it was a partial transfer (looks like they may charge a $20 fee for a partial tra...
by danaht
Thu Nov 22, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65486

Re: Rumor mill - Fidelity starting individual HSA's Nov.

I’m paying fees with a Fidelity HSA through my employer. Could I roll it out into a fidelity NON-employer HSA to avoid the fees? Anyone in a similar boat as I? It's worth looking into. Before you do - I would talk to someone at Fidelity to see if they would be willing to waive the fees going forwar...
by danaht
Wed Nov 21, 2018 4:31 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65486

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Hello, great thread, thank you to all who have contributed. Sorry if this is a dumb question, but can someone answer a question about how to transfer my HSA Bank HSA into Fidelity? My main question is that in my HSA Bank accounts, I currently have $2,000 in my cash account (myCigna) and a much larg...
by danaht
Tue Nov 20, 2018 10:46 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65486

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I emailed BenefitWallet, and they wrote back that a Trustee-Trustee transfer will cost $25. I am not sure if this is accurate, but plan to transfer to Fidelity early next year. Please let us know how your transfer goes. Overall I am happy with BenefitWallet, and $2.90/month is not too terrible, but...
by danaht
Tue Nov 20, 2018 10:37 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65486

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Note: I am in your situation with my employer. My employer uses Optum HSA. I am not going to close this account - because I would miss the $650 that my employer gives me for choosing to have a high deductible health care plan. I also want my contributions to go through payroll so they are not subje...
by danaht
Sun Nov 18, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65486

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Debit cards are available for those that don't want to use their credit cards: https://www.fidelity.com/static/moneymovement/html/Withdraw_To_HSA_Selectaccountwithotherways.shtml Unfortunately my open enrollment for 2019 has already closed. I had elected to put $290 every 2 weeks into my Health Equ...
by danaht
Sun Nov 18, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65486

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Yes, they said free to transfer cash, $50 for the whole account, I assume. That's odd. This page: https://www.tdameritrade.com/pricing/brokerage-fees.page Says it's $75, regardless of positions, cash, etc. I am assuming that this would be looked at as a "full transfer", right? Transfers4 TD Ameritr...
by danaht
Sun Nov 18, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: Ed Slott & Roth Conversions
Replies: 45
Views: 3659

Re: Ed Slott & Roth Conversions

I think Roth conversions make a lot of sense - as long as you can afford to pay the taxes on it in the calendar year of the conversion. I personally don't think income taxes are going to stay this low for much longer. I think everyone who can afford to pay the taxes now should take advantage of the ...
by danaht
Sun Nov 18, 2018 11:36 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65486

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

So guidance to get out of Saturna closing fee is pull all cash then close? Given that Saturna is a brokerage account, I'm wondering if couldn't be transferred as is? If these are mutual funds - then only if Fidelity accepts those particular mutual funds. If it's stocks or ETFs - then those should b...
by danaht
Sat Nov 17, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65486

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

For those who have a HSA Bank / TD Ameritrade account it seems like the most efficient transfer process would be to do the following (based on posts from (https://www.bogleheads.org/forum/viewtopic.php?f=10&t=230151&start=50) 1) Move all your HSA Bank cash from HSA Bank to the TD Ameritrade brokerag...
by danaht
Fri Nov 16, 2018 10:31 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65486

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Does anyone know if there would be a charge to have Fidelity pull (transfer) money from my Optum HSA account? I have a Optum HSA account that I need to keep open - since my employer uses it to deposit money from my paycheck. I know Optum would charge me $25 if they initiated the transfer. But I am ...
by danaht
Fri Nov 16, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65486

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Does anyone know if there would be a charge to have Fidelity pull (transfer) money from my Optum HSA account? I have a Optum HSA account that I need to keep open - since my employer uses it to deposit money from my paycheck. I know Optum would charge me $25 if they initiated the transfer. But I am n...
by danaht
Fri Nov 16, 2018 8:08 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65486

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I entered it all online - very clear instructions from Fidelity. The TD Ameritrade transfer went through. For HSA Bank, Fidelity provided the completed form as a PDF, told me to print, sign, and mail back to them along with a copy of my account statement. Question: does transferring all monies clos...
by danaht
Sun Nov 11, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 35
Views: 3531

Re: USAA Multi Product Discount

I did exactly this ('negative cost' $2500 valuable property policy and opened a token brokerage account) a couple months ago. I planned on using the brokerage as emergency money / money market funds. I found that while transfers to/from my USAA checking and other accounts are super-fast (many times...
by danaht
Fri Nov 09, 2018 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Help. They are removing index funds.
Replies: 56
Views: 4160

Re: 401k Help. They are removing index funds.

Does the 401k support a brokerage window? Seems like a lot of the mega company 401k plans do these days. Mine offers a brokerage window to Charles Schwab for free. I can invest in many low cost index funds and ETFs in this window. So, the simplest solution might be to open a brokerage window and inv...
by danaht
Tue Nov 06, 2018 11:00 pm
Forum: Investing - Theory, News & General
Topic: USAA getting out of mutual fund biz
Replies: 39
Views: 5279

Re: USAA getting out of mutual fund biz

That's too bad. Here is my plan: 1) sell my USAA S&P 500 mutual fund in the first quarter of next year (before the fund transfers to Victory) and 2) open a USAA brokerage account and buy the VOO ETF with the funds. I only have ~$2000 in unrealized gains for this - so no big deal. Also, according to ...
by danaht
Sun Nov 04, 2018 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: HSAs in California
Replies: 108
Views: 33443

Re: HSAs in California

Why does this have to be so hard. Health care, retirement saving - it's all ridiculous in the US. Agreed. Totally ridiculous. Looks like long-term Treasuries only in HSA is the way to go for CA residents. It's not going to be an account that grows that big to make any difference. Better to keep it ...
by danaht
Sun Nov 04, 2018 4:51 pm
Forum: Investing - Theory, News & General
Topic: 2019 Retirement Contribution Limits Announced
Replies: 54
Views: 7268

Re: 401k/IRA contribution limits rise for 2019...

I am going to take advantage of it - but it will be difficult to max out the catch up contribution when I turn 50 in a couple of years. My employer offers a 10% discount on their stock - and I will want to max that out as well (at $25,000 a year) - so I'll be living with very little cash soon.
by danaht
Sun Nov 04, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: Buy Unpopular Stocks?
Replies: 9
Views: 1146

Re: Buy Unpopular Stocks?

I agree with just buying the S&P 500 or even a total stock market index. Buying unpopular individual stocks may lead to buying several value traps. Or if you really want to buy unpopular stocks - it might be safer to allocate more between buying total international and total US (index fund) based on...
by danaht
Sat Nov 03, 2018 7:25 pm
Forum: Investing - Theory, News & General
Topic: Fidelity's FUSVX became FXAIX on Nov. 2
Replies: 6
Views: 2204

Fidelity's FUSVX became FXAIX on Nov. 2

Surprised this has not been mentioned yet - but Fidelity's S&P 500 investor class fund merged with Fidelity's S&P 500 institutional class fund (FXAIX) yesterday. This is great news - because the gross expense ratio was just lowered to .015% as a result. The only thing I am concerned with is the tax ...
by danaht
Sun Oct 28, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 35
Views: 3531

Re: USAA Multi Product Discount

Thank you for bringing this discount to my attention. I can say that I opened up a brokerage account and bought the minimum $500 of a USAA ETF and it did apply the discount. So it appears that an ETF will qualify as well. That's great - and a much better deal than any of their mutual funds. The $8....
by danaht
Sun Oct 28, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 35
Views: 3531

Re: USAA Multi Product Discount

If your going to open a token mutual fund investment account with USAA: I think USAA's money market at the $1,000 minimum is a better deal than the USAA S&P 500 mutual fund which has a minimum of $3,000 and an expense ratio of 0.25%. Also the USAA S&P 500 mutual fund charges a quarterly $2.50 "inde...
by danaht
Sun Oct 28, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 35
Views: 3531

Re: USAA Multi Product Discount

If your going to open a token mutual fund investment account with USAA: I think USAA's money market at the $1,000 minimum is a better deal than the USAA S&P 500 mutual fund which has a minimum of $3,000 and an expense ratio of 0.25%. Also the USAA S&P 500 mutual fund charges a quarterly $2.50 "index...
by danaht
Sun Oct 28, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: What Memberships/Subscriptions Are Most Valuable To You?
Replies: 68
Views: 4944

Re: What Memberships/Subscriptions Are Most Valuable To You?

Being a member of this country (ie citizenship) is the most valuable thing to me right now. Being a member of my company (ie employed) is the 2nd most valuable membership that I have right now.
by danaht
Sat Oct 27, 2018 12:37 pm
Forum: Investing - Theory, News & General
Topic: Market correction this week.
Replies: 15
Views: 2707

Re: Market correction this week.

Around October 15th Avi Gilburt on Seeking Alpha posted an article that predicted a S&P 500 correction to the 2600 level (seems like a correct prediction). He is also predicting that the S&P 500 will go down to 2100 in the near future (he wasn't specific on the timing of 2100). Regardless - I am sta...
by danaht
Sun Oct 21, 2018 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual funds or ETFs in taxable accounts?
Replies: 12
Views: 1192

Re: Mutual funds or ETFs in taxable accounts?

I prefer ETFs in a taxable account- because you can transfer ETFs easily between brokerage accounts. This allows you to get transfer bonuses. Also, if your current brokerage company is not doing a good job as far as customer service goes - you can easily transfer the ETFs and leave that brokerage fi...
by danaht
Sun Oct 21, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: Card/Account churning to prevent investment tinkering?
Replies: 15
Views: 1786

Re: Card/Account churning to prevent investment tinkering?

The only thing I worry about for "churning" is getting banned by the financial institutions. I churn a few credit cards a year - but I think if I took it a lot further - I could potentially get banned from opening accounts - or even worse - they could close my existing accounts. To me - playing with...
by danaht
Thu Oct 18, 2018 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Is there a benefit of investing in Traditional IRA if company provides 401K
Replies: 23
Views: 1956

Re: Is there a benefit of investing in Traditional IRA if company provides 401K

If you are over the Roth IRA Income limit, and can't do a back door Roth because of existing IRA balances - then I believe it's still worth contributing the $5500 to a TIRA as a last resort. This should be done after you have already maxed out your 401k, and HSA contributions (if you can make these)...
by danaht
Mon Oct 15, 2018 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to company that allows Mega Backdoor Roth Conversion - Any prep needed?
Replies: 26
Views: 2132

Re: Moving to company that allows Mega Backdoor Roth Conversion - Any prep needed?

Lucky! My employer only offers a traditional, or Roth option - but no after tax bucket. To make up for it - I convert some of my Rollover IRA to a Roth IRA. I figure it's the same income tax (no difference if it was earned this year (after tax bucket) or in a previous year (rollover partial conversi...
by danaht
Sun Oct 14, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 4206

Re: How Much Is Your Sewer Bill?

augryphon wrote:
Sun Oct 14, 2018 3:41 pm
Water is about $20 and sewer is 2x water bill, so $60 per mo total
Mine is the opposite. Usually the water bill is very high - and the sewer bill is 1/2 of the water bill. Water is expensive where I live.
by danaht
Thu Oct 11, 2018 10:37 pm
Forum: Investing - Theory, News & General
Topic: Doubling down on EM [Emerging Market]
Replies: 55
Views: 6177

Re: Doubling down on EM [Emerging Market]

If it's in a taxable account - I think it might be better to own a total international ETF instead. Reason: China is close to becoming a "developed" country and may exit VWO in the next decade. Depending on how well Vanguard can swap out the China stocks - this might lead to a large capital gain if ...
by danaht
Sat Sep 29, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card charge- fraud or mistake?
Replies: 24
Views: 2416

Re: Credit card charge- fraud or mistake?

I think it is fraud. I am guessing someone probably skimmed your card from a device attached to a gas station pump - then cloned it with a physical card. The thieves then probably used that clone in a fast food restaurant in another state. On this topic - I can't wait for gas stations to start using...
by danaht
Wed Sep 26, 2018 10:10 pm
Forum: Investing - Theory, News & General
Topic: The Section 199A Tax Benefits Of REITs Over Direct Real Estate Investments at Kitces.com by Jeffrey Levine
Replies: 14
Views: 1891

Re: The Section 199A Tax Benefits Of REITs Over Direct Real Estate Investments at Kitces.com by Jeffrey Levine

stlutz wrote:
Wed Sep 26, 2018 9:01 pm
Was there ever resolution to the question of whether REIT mutual funds/ETFs qualified for the favorable tax treatment?
My understanding is that the 199A 20% tax deduction benefit will only apply for individual REITs and will not apply for the funds (REIT mutual funds or ETFs).
by danaht
Tue Sep 25, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 7644

Re: Fed up with health insurance situation

OP - I was self employed earlier this year- but it was costing me $560 a month for an ACA one person plan. At least your $1040/month plan is cheaper per person than mine was. It's an outrageous cost anyway. And, I did exactly what you suggested - I joined a megacorp. I am enjoying a $18 a month prem...