Search found 25 matches

by wxturtle
Mon Sep 02, 2019 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating breakeven for PSLF (MFS or MFJ) vs. refi/payoff + stay-at-home parent?
Replies: 3
Views: 377

Calculating breakeven for PSLF (MFS or MFJ) vs. refi/payoff + stay-at-home parent?

I know this is a super complicated subject, but open to any/all opinions on the matter. SO has ~80k in student loans from JD degree @ ~6.5% APR serviced via FedLoan. She has no interest in working in the private sector (this hasn't changed in the 3 years since she graduated, either). For a few years...
by wxturtle
Thu Aug 01, 2019 3:05 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
Replies: 1012
Views: 107640

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]

For those that did HSABank -> Fidelity (not TDA -> Fidelity, I liquidated TDA and moved everything to HSABank) how long did it take? I have been sitting on " Fidelity has finished processing your transfer request, and has sent it to Cigna Healthcare - Hsa for review. " since 7/18, with an expected c...
by wxturtle
Sun Mar 17, 2019 10:44 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
Replies: 1012
Views: 107640

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

Looking for an ELI5 (ok, ELI25). Have an HSA through HSABank. No longer employed at the company that used them so it's just my HSA with no contributions. Currently, I have $5k at HSA Bank in cash and $25k at TDA (invested in no-load funds). Would like to move this over to Fidelity. From those who ha...
by wxturtle
Thu Mar 14, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Questions re: moving HSA from HSABank/TDA to Fidelity
Replies: 1
Views: 256

Questions re: moving HSA from HSABank/TDA to Fidelity

I see Fidelity is (finally) offering an HSA with no fees. Hooray! I left my employer a few years ago so I've had an HSABank account but have been keeping $5k in cash and investing the other ~$25k with TDA.Would be nice if I could do something with that $5k, though -- and I want to support brokerages...
by wxturtle
Wed Mar 13, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Emergency fund in SWVXX in Roth IRA?
Replies: 3
Views: 472

Emergency fund in SWVXX in Roth IRA?

Currently have my emergency fund sitting at Ally (2+%). Also have a Roth IRA at Schwab. I have *not* maxed out my Roth for the 2018 tax year (have until April 15 to do so). I do *not* have enough disposal income to throw into the Roth this year (new house, new kid, new job, student loans, etc.) AND ...
by wxturtle
Sat Jan 12, 2019 11:13 am
Forum: Personal Finance (Not Investing)
Topic: 529s, tax breaks, and plan options
Replies: 2
Views: 221

529s, tax breaks, and plan options

Wife/I have a 1 year old at home. We moved to Philly (Pennsylvania) a few months ago. Her parents (living in Massachusetts) would like to make a sizable seed donation (~$10k) to a 529 for my son, but I've been dragging my feet on opening this (we haven't been able to max out our retirement savings t...
by wxturtle
Mon Jul 30, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: First-timer shopping for mortgage, compressed timeline w/ odd job situation
Replies: 13
Views: 1595

Re: First-timer shopping for mortgage, compressed timeline w/ odd job situation

Totally overwhelmed by this whole process. Just went under contract on a house in PA Friday. We are currently out of state (CA), but moving in a few months. We were preapproved from a local bank a few weeks ago just because our realtor had a good working relationship with them and just wanted a let...
by wxturtle
Mon Jul 30, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: First-timer shopping for mortgage, compressed timeline w/ odd job situation
Replies: 13
Views: 1595

Re: First-timer shopping for mortgage, compressed timeline w/ odd job situation

Totally overwhelmed by this whole process. Just went under contract on a house in PA Friday. We are currently out of state (CA), but moving in a few months. We were preapproved from a local bank a few weeks ago just because our realtor had a good working relationship with them and just wanted a let...
by wxturtle
Sun Jul 29, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: First-timer shopping for mortgage, compressed timeline w/ odd job situation
Replies: 13
Views: 1595

First-timer shopping for mortgage, compressed timeline w/ odd job situation

Totally overwhelmed by this whole process. Just went under contract on a house in PA Friday. We are currently out of state (CA), but moving in a few months. We were preapproved from a local bank a few weeks ago just because our realtor had a good working relationship with them and just wanted a lett...
by wxturtle
Mon May 07, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Birthday rule for newborn insurance? Trying to add baby to dad's plan, not mom's...
Replies: 4
Views: 1194

Re: Birthday rule for newborn insurance? Trying to add baby to dad's plan, not mom's...

Is there any way we can bill so that this doesn't totally screw us? It feels kind of like double jeopardy. So we just have to eat the "penalty" for 30 days for my wife's OOP max and then eat my "penalty" for my OOP max for all the bills after the first 30 days? The irony is that I'm sure the "30 day...
by wxturtle
Mon May 07, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Birthday rule for newborn insurance? Trying to add baby to dad's plan, not mom's...
Replies: 4
Views: 1194

Birthday rule for newborn insurance? Trying to add baby to dad's plan, not mom's...

Wife and I each have our own HDHPs through different employers. We had a baby girl 2 months ago. It made more financial sense for baby to be dependent on mine so I added baby (with name, SSN, etc.) to my HDHP within the 30 day window. HR confirmed everything went smoothly and it was retroactive to b...
by wxturtle
Sat Mar 03, 2018 12:24 pm
Forum: Personal Investments
Topic: Rechar '17 rIRA -> non-deductible tIRA (then convert) w/ new tax law?
Replies: 1
Views: 174

Rechar '17 rIRA -> non-deductible tIRA (then convert) w/ new tax law?

Contributed $5500 to Roth in 2017, realized we'll be over the income limit, so need to fix. Previously if this happened, I just recharacterized the particular excess contribution + earnings to a traditional (non-deductible) IRA. I have no traditional IRAs so I would then "convert" the tIRA to Roth I...
by wxturtle
Fri Nov 03, 2017 6:34 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 75888

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

SPSM (SPDR Portfolio Small Cap ETF) is the recommended matching fund for anyone getting out of VB (VANGUARD INDEX FDS VANGUARD SMA) at TDA, correct? Is it normal that they move in different directions on any given trading day? https://finance.yahoo.com/quotes/vb,SPSM/view/v1 120-day correlation bet...
by wxturtle
Wed Oct 18, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 7122

Re: The overselling of international diversification

I'm probably fairly ignorant on this but as someone who is 70/30 what is the downside of international diversification? Is it that international stocks will underperform US stocks going forward? Therefore diversification lowers overall return rate? Or is it that the costs (ER) of international funds...
by wxturtle
Tue Oct 17, 2017 11:06 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 75888

Re: TD Ameritrade - changes in free ETF options

michaeljc70 wrote:
Tue Oct 17, 2017 10:40 am
I searched before posting. Those threads are old. I got this email today and the change is coming in November.
viewtopic.php?f=10&t=229801
by wxturtle
Tue Oct 17, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 75888

Re: Fellow TDA bogleheads

I have my HSA at TDA. Seems like there's no reason to sell the Vanguard ETF I currently own. But I'll need to pick a new ETF for future investments. Yes, if you have a lot of $$$ tied up in only a handful (2-4) VG funds, my guess is holding and eating the commission for cashing out (in a lump sum, ...
by wxturtle
Tue Oct 17, 2017 8:41 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 75888

Re: Fellow TDA bogleheads

Same. Unfortunately this is my HSA (through HSABank) so not sure just picking up and moving is feasible/worth it. Looks like they have these new SPDR ETFs on the no-load list: https://www.etftrends.com/state-street-revamps-etf-lineup-plunges-into-fee-war/ Will have to see if they can pick up enough ...
by wxturtle
Wed Sep 27, 2017 3:25 pm
Forum: Personal Investments
Topic: Recharacterizing invested Roth excess 2016 contribution questions
Replies: 3
Views: 551

Re: Recharacterizing invested Roth excess 2016 contribution questions

To put a bow on this... going to wait one trad IRA statement and then convert back to Roth but since the conversion will take place in 2017, the 8606 I should send to the IRS should look like this, correct? I.e., just noting the $5500 non-deductible basis for 2016? https://i.imgur.com/uFsbq69.png My...
by wxturtle
Wed Aug 30, 2017 7:50 am
Forum: Personal Investments
Topic: Age 30 Starting ASAP
Replies: 14
Views: 2598

Re: Age 30 Starting ASAP

Since this is going in a tax-advantaged account (Roth), the only reason you'd want to build your own 3-fund, is if you want to tweak the asset allocation. Do you? If you are comfortable with the curve of the 2050 or 2060 AA (including the International stake of equity) than don't bother with the 3-...
by wxturtle
Sat Aug 19, 2017 10:52 am
Forum: Personal Investments
Topic: Recharacterizing invested Roth excess 2016 contribution questions
Replies: 3
Views: 551

Recharacterizing invested Roth excess 2016 contribution questions

Like I normally do, tossed $5,500 into my Roth on Jan 1st (well, 4th) in 2016 and thought nothing of it (invested it immediately in a few index funds). Got married last year and filed married filing separately in April because my wife has a low paying job in the public sector and 100k in federal loa...
by wxturtle
Thu Aug 10, 2017 10:37 am
Forum: Personal Investments
Topic: TIAA-CREF allocation mix? Diversify or lowest ER?
Replies: 16
Views: 1647

Re: TIAA-CREF allocation mix? Diversify or lowest ER?

You didn't list it below, but I'm guessing that you also have access to TIAA Traditional annuity, which is probably preferable than just about any bonds right now. They have a couple of versions of it. One of these currently pays 4% but you can only withdraw your balance in 10% increments over almo...
by wxturtle
Thu Aug 10, 2017 9:27 am
Forum: Personal Investments
Topic: TIAA-CREF allocation mix? Diversify or lowest ER?
Replies: 16
Views: 1647

TIAA-CREF allocation mix? Diversify or lowest ER?

31 years old. Have ~$40k in a 403b at the school I am still teaching at (although I've been entertaining the idea of changing fields lately...). Available funds below. Only true "index" fund is TISPX (SP500) with a low ER. Currently, I am: 53% TISPX (SP500) 29% TIIEX (intl) 18% TLRIX (retirement inc...
by wxturtle
Tue Apr 18, 2017 2:28 pm
Forum: Personal Investments
Topic: Accidental overcontribution of Roth IRA due to MFS
Replies: 3
Views: 563

Re: Accidental overcontribution of Roth IRA due to MFS

Thanks for the detailed response, I appreciate it. We both have 401ks, so I don't think the contribution is deductible. Other than my 401k, I have only a single Roth IRA through Schwab. All of my investments are in ETFs. If I understand correctly, the course of action is A) contact Schwab and have t...
by wxturtle
Tue Apr 18, 2017 10:07 am
Forum: Personal Investments
Topic: Accidental overcontribution of Roth IRA due to MFS
Replies: 3
Views: 563

Accidental overcontribution of Roth IRA due to MFS

My wife and I got married last year. I have religiously socked away $5500 into my Roth IRA since I was 21, didn't really think too much about it. We just submitted our returns on Sunday as MFS, as she is on a PAYE program and loan repayments through her school give us an extra $2000 or so. I *just* ...