Search found 540 matches

by danaht
Sun Dec 02, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 52
Views: 3951

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: 651
Views: 45669

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: 651
Views: 45669

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: 651
Views: 45669

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: 651
Views: 45669

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: 651
Views: 45669

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: 651
Views: 45669

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: 651
Views: 45669

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: 3566

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: 651
Views: 45669

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: 651
Views: 45669

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: 651
Views: 45669

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: 651
Views: 45669

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: 651
Views: 45669

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: 30
Views: 3051

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: 4118

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: 5131

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: 33008

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: 7111

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: 1128

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: 1510

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: 30
Views: 3051

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: 30
Views: 3051

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: 30
Views: 3051

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: 4855

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: 2679

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: 1163

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: 1763

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: 1929

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: 2095

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: 4152

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: 5983

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: 2402

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: 8
Views: 1112

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: 7568

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...
by danaht
Sat Sep 22, 2018 3:39 pm
Forum: Investing - Theory, News & General
Topic: Buying Put Options on the S&P 500
Replies: 22
Views: 2210

Re: Buying Put Options on the S&P 500

OP - Traders buy put options. Traders consider that insurance if the short term trade does not work out. Long term buy/hold investors usually don't buy put options. There is no need for a long term investor to do it - because a long term investor is never trying to time the market. A long term inves...
by danaht
Sat Sep 22, 2018 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13435

Re: Considering Quitting Job - Seeking Advice. Would you do it?

OP your working 2.5x a normal person's hours. Your company better be compensating you 4x for this - if not I would leave. Get a job with a 40 hour work week and be happy. There are a lot of mega-corps that offer great benefits - and also keep the hours at 40. For instance, If I am forced to work mor...
by danaht
Sat Sep 22, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: True cost of a [dental] implant
Replies: 71
Views: 11442

Re: True cost of a [dental] implant

Noticed this thread and was amazed at the prices quoted. My co-worker was at the dentist today - and he only paid the following with the mega corp's major dental plan: $75 - tooth extraction (charged today, and his tooth is now gone) $600 - implant (will be done 3 months later) I find this to be un...
by danaht
Fri Sep 21, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: True cost of a [dental] implant
Replies: 71
Views: 11442

Re: True cost of a [dental] implant

Noticed this thread and was amazed at the prices quoted. My co-worker was at the dentist today - and he only paid the following with the mega corp's major dental plan: $75 - tooth extraction (charged today, and his tooth is now gone) $600 - implant (will be done 3 months later) I find this to be unb...
by danaht
Fri Sep 21, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: Over 120 Vanguard funds go transaction free at E*trade
Replies: 19
Views: 2296

Re: Over 120 Vanguard funds go transaction free at E*trade

This is a good for ETrade customers. I still prefer not to buy in ETrade - because ETrade does have a partial transfer fee. Merrill Edge, Fidelity, and Vanguard are my preferred places to buy ETFs - since all 3 do not have a partial transfer fee. note: Merrill Edge and Fidelity do have full transfer...
by danaht
Sun Sep 16, 2018 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 61
Views: 9567

Re: Thinking of Retiring at 52, Please Critique Plan

Sorry about the diagnosis. Given the new information - I think early retirement is an OK plan as long as you can limit your expenses a little. Have fun and enjoy life while you can!
by danaht
Sun Sep 16, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: How to stay the course when you “think” you can outsmart the market
Replies: 36
Views: 2305

Re: How to stay the course when you “think” you can outsmart the market

Just setup an automatic contribution to one or more broad based index mutual fund that takes most of your free income (the new Fidelity zero fee index funds might be good for this). If you do this - you won't have any extra money to gamble on cryptocurrencies or individual speculative stocks. note: ...
by danaht
Wed Sep 12, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7641

Re: Amazon Prime - Value?

Prime is good if you can get a discounted membership. Wait for Amazon to offer a discount - or use a coupon somewhere else to get a discount. Also, if you are eligible - student Prime memberships are a good value.
by danaht
Sun Sep 09, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8785

Re: Can Sneakers go with Business Casual?

More companies are going to one step below business casual - and going to just plain "decent" casual. Where I work - jeans, polo shirts, and sneakers are the normal. Even shorts and flip flops are allowed. The company still has a few things that are not allowed - such as tank tops. But slowly work e...
by danaht
Mon Sep 03, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?
Replies: 44
Views: 9739

Re: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?

I also have a 401k through Empower. Is it possible I am not being charged any fees? I am looking in transaction history (my company switched from Transamerica to Empower on Jan 1st 2018) and since day one, I do not see any fee (other than the fund's expenses). When I search by "Fees" for the full y...
by danaht
Sun Sep 02, 2018 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?
Replies: 44
Views: 9739

Re: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?

I started a new job 3 months ago - and my new company's 401k is also though Empower. I have checked and there are no recurring maintenance fees - other than the fees that are charged in the mutual funds. The only index fund they offer in the plan is the Vanguard Institutional S&P 500 fund with a .01...
by danaht
Sat Sep 01, 2018 6:45 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 106940

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I think investing in international should be done by most to diversify - as long as you are doing it with a cap weighted index. That way you are investing in the largest international companies. It's the small international companies that would scare me away. But I am fine with investing into compan...
by danaht
Tue Aug 28, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Health care question - self employed- Whats your plan? Advice Needed
Replies: 24
Views: 2015

Re: Health care question - self employed- Whats your plan? Advice Needed

As a self employed individual in TX this year - health insurance became so expensive for me. It was a very easy decision to make when a mega corp offered me a full time W2 position.
by danaht
Sun Aug 19, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: UPDATE: Credit Card Fraud - $30K
Replies: 66
Views: 8680

Re: Credit Card Fraud - $30K

The labor of monitoring accounts and increased fraud risk (with a tradeoff between the two) is a less-appreciated background expense of gaming credit card accounts. File under no free lunch. How soon can you usually close a credit card account - once you have received the free sign-up rewards? The ...
by danaht
Sat Aug 18, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: UPDATE: Credit Card Fraud - $30K
Replies: 66
Views: 8680

Re: Credit Card Fraud - $30K

Sorry to hear about this. One thing I would say is to never use the same password for any of your accounts. Use a password manager like "Password Safe" (https://www.pwsafe.org/) to create and store random complex passwords that are unique for each account you have. That way if a thief hacks a site -...