Search found 55 matches

by wildungar2000
Wed Sep 25, 2019 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab SIMPLE IRA statements
Replies: 6
Views: 415

Re: Schwab SIMPLE IRA statements

However, it does not really matter. Once they are both a deposited into your account they both are legally yours . Unlike with a 401k there is no difference in the "distributable" nature between employ elective deferrals and employer contributions. There is never any need to separately track the ba...
by wildungar2000
Tue Sep 24, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab SIMPLE IRA statements
Replies: 6
Views: 415

Re: Schwab SIMPLE IRA statements

I'm not quite sure of the answer to your question, but a SIMPLE IRA will generally have a 3% employer match OR a 2% non-elective employer contribution. Are you sure you are getting a 2% match? It is possible to get a 1% or 2% match, but I think you are most likely getting the 2% non-elective contrib...
by wildungar2000
Sat Sep 21, 2019 10:55 pm
Forum: Personal Investments
Topic: SIMPLE IRA - Transfer of Funds from Edward Jones to Fidelity (Send help!)
Replies: 70
Views: 5859

Re: SIMPLE IRA - Transfer of Funds from Edward Jones to Fidelity (Send help!)

Thank you all for your opinions and info, I am weighing it all right now. I specifically asked the Fidelity rep if ALL of the Fidelity index funds were available in their SIMPLEs. He said yes. I see he may have been 'mistaken'. I am also still waiting for the Vanguard rep to email me back before pr...
by wildungar2000
Sun Jul 28, 2019 2:31 pm
Forum: Personal Investments
Topic: SIMPLE IRA - 100 or fewer employees rule
Replies: 1
Views: 288

Re: SIMPLE IRA - 100 or fewer employees rule

I am still hoping for a response from the Boglehead community. I did pull this from pub 560: Employee limit. You can set up a SIMPLE IRA plan only if you had 100 or fewer employees who received $5,000 or more in compensation from you for the preceding year. Under this rule, you must take into accoun...
by wildungar2000
Mon Jul 22, 2019 7:55 pm
Forum: Personal Investments
Topic: SIMPLE IRA - 100 or fewer employees rule
Replies: 1
Views: 288

SIMPLE IRA - 100 or fewer employees rule

I am confused by how the 100 employee limit rule is enforced for SIMPLE IRA plans. I was under the impression that the limit was based on the number of employees who are ELIGIBLE to participate in the plan. Since you need to earn $5,000 or more in the two preceding years, a company with high turnove...
by wildungar2000
Sat Jul 13, 2019 3:11 pm
Forum: Personal Investments
Topic: SIMPLE IRA - Transfer of Funds from Edward Jones to Fidelity (Send help!)
Replies: 70
Views: 5859

Re: SIMPLE IRA - Transfer of Funds from Edward Jones to Fidelity (Send help!)

My goal is to have the money deposited in the EJ account and then transfer it to a transfer SIMPLE IRA/frozen SIMPLE IRA with either Fidelity (if they offer this) or Vanguard. Update - Completely spaced that Fidelity's Small Business retirement investing support is in the office between M-F only, n...
by wildungar2000
Wed Apr 17, 2019 4:31 pm
Forum: US Chapters
Topic: West Michigan Bogleheads Chapter - chat
Replies: 48
Views: 5356

Re: West Michigan Bogleheads Chapter - chat

For those interested, ChooseFI is holding a Meetup/Potluck on Saturday May 4 at Millennium Park in GR. It will take place from 3-7pm. If you have not already joined the ChooseFI Grand Rapids Facebook group, you can find more information there. There are a lot of things in common with Bogleheads and ...
by wildungar2000
Sun Mar 03, 2019 12:44 am
Forum: Personal Investments
Topic: Withdrawals: Solo 401K or tIRA?
Replies: 4
Views: 350

Re: Withdrawals: Solo 401K or tIRA?

When making withdrawals, does it make any difference between tIRA and Solo 401K? I'm thinking not, but wonder if there is some nugget I should consider. One small nugget to consider is that with a Solo 401k you have to file form 5500 if the plan has assets exceeding $250,000. If you hire someone to...
by wildungar2000
Sat Mar 02, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: SIMPLE IRA - Elective Contribution timing rules - IRS vs. DOL
Replies: 3
Views: 189

Re: SIMPLE IRA - Elective Contribution timing rules - IRS vs. DOL

employers can deposit salary reduction contributions with the plan no later than the 7th business day after withholding it to be considered in compliance with the law Thanks Spirit. I wish that the word "can" was changed to "must". I think it is pretty lame that my employer can earn interest on eve...
by wildungar2000
Sat Mar 02, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: SIMPLE IRA - Elective Contribution timing rules - IRS vs. DOL
Replies: 3
Views: 189

SIMPLE IRA - Elective Contribution timing rules - IRS vs. DOL

The company I work for offers a SIMPLE IRA with a 3% match. I became eligible in 2019 and am maxing it out, doing $500 per pay period. My first two pay periods were 1/11/19 & 1/25/19. That $1,000 did not get contributed to my Vanguard SIMPLE IRA until 2/13/19. In talking with my employer, he said th...
by wildungar2000
Sun Feb 24, 2019 8:53 am
Forum: Personal Investments
Topic: Fidelity Solo-401k referred to as Keogh?
Replies: 10
Views: 1926

Re: Fidelity Solo-401k referred to as Keogh?

Now if we can just get Fidelity onboard with electronic/ACH investments from our business accounts. Yes I plan on opening a Fidelity SE 401K this year and am concerned about this. It seems ridiculous to mail a check.... If you have a Cash Management Account you can then call in and do a contributio...
by wildungar2000
Tue Feb 19, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity credit card: can't turn off cash advance?
Replies: 7
Views: 511

Re: Fidelity credit card: can't turn off cash advance?

I tried to set my cash advance to $0, like I try and do for all my CC's, and this was one of the cards I was unable to lower.
by wildungar2000
Tue Feb 19, 2019 7:51 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 171
Views: 48907

Re: my review of my HSA with Saturna brokerage

Liface wrote:
Tue Feb 19, 2019 6:41 pm
Are they treating my reinvestments as trades or something?
That would be my guess as well. Thanks for sharing.
by wildungar2000
Mon Feb 18, 2019 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonuses w/ Debit Card Activity as Requirement = No 1099-INT
Replies: 12
Views: 1184

Re: Bank Bonuses w/ Debit Card Activity as Requirement = No 1099-INT

I believe you can log into the IRS website and see which forms have been submitted under your SS#. At least I vaguely remember reading that on this forum. It is worth checking out. If there was a 1099 filed, you'll want to include that in your taxes. Yes, I have signed up for that using this link: ...
by wildungar2000
Mon Feb 18, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonuses w/ Debit Card Activity as Requirement = No 1099-INT
Replies: 12
Views: 1184

Bank Bonuses w/ Debit Card Activity as Requirement = No 1099-INT

I have been churning bank bonuses for over a decade now. This is the first year that I noticed that no 1099-INT was received for all of the bank bonuses earned in which debit card activity was a requirement for the bonus. So PNC Bank was a $300 bonus, all of which was tied to debit card activity, an...
by wildungar2000
Thu Feb 14, 2019 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Roth solo 401(k) now more attractive given new 199A deduction announcement
Replies: 57
Views: 4875

Re: Roth solo 401(k) now more attractive given new 199A deduction announcement

Are you saying that the EMPLOYEE portion of traditional deductible self employment 401k reduces QBI? And a EMPLOYEE Roth contribution doesn't? I am curious, what makes you (and others) think that language applies to the employee portion? Might it just apply to employer portion? Just informed specul...
by wildungar2000
Sun Jan 20, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 225
Views: 33283

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

Can anyone confirm if they have had Ebay work for them in the Online category? I'm about to make a large purchase for an auction I won and would like to get the 3% instead of 2% from my Fidelity card. Saw on DOC that ebay did not qualify for online shopping. I tested it myself and ebay does qualify...
by wildungar2000
Thu Jan 17, 2019 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 225
Views: 33283

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

Can anyone confirm if they have had Ebay work for them in the Online category? I'm about to make a large purchase for an auction I won and would like to get the 3% instead of 2% from my Fidelity card.
by wildungar2000
Thu Jan 17, 2019 12:24 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 171
Views: 48907

Re: my review of my HSA with Saturna brokerage

decided to transfer from Saturna to Fidelity. I requested my entire balance of $75k to be sent ACH to my linked bank on Friday 1/11. Funds were in my bank account Monday 1/14. I mailed a check with deposit slip(checking the 60 day rollover box) to Fidelity. Hasn't posted yet, but should today or to...
by wildungar2000
Wed Jan 02, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Ineligible HSA contribution
Replies: 5
Views: 528

Re: Ineligible HSA contribution

Out of curiosity, why are you pursuing option 1 rather than option 2? Wouldn't your excess contribution effectively fall away b/c of rounding (ex. 6% of $1 = $0.06 which rounds to $0)? Does Fidelity charge a fee to return contributions? I agree with @EggCarton. It does not make sense to remove a $0...
by wildungar2000
Tue Jan 01, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Ineligible HSA contribution
Replies: 5
Views: 528

Re: Ineligible HSA contribution

For me, I opened an HSA with Fidelity and had linking done with another account. This resulted in $0.95 in test deposits hitting on Dec 27, and they were classified as a 2018 Contribution. This put me $1 over my contribution limit for 2018. In my case I contacted Fidelity and am going to do what you...
by wildungar2000
Thu Dec 27, 2018 10:05 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
Replies: 1066
Views: 104637

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

So I maxed out my HSA back in January 2018. I just linked up my employer's HSA (Chemical Bank) with my new Fidelity HSA and they did test deposits totaling $0.95. Those are being classified as a Contribution as shown below: 12/27/2018 PARTIC CONTR CURRENT HSA CONTRIBUTION CURRENT YEAR CONTRIB (Cash)...
by wildungar2000
Tue Dec 25, 2018 10:56 am
Forum: Personal Investments
Topic: SIMPLE IRA (5305) - Vanguard/Fidelity/Schwab for "frozen" SIMPLE IRA alternative
Replies: 16
Views: 1695

Re: SIMPLE IRA (5305) - Vanguard/Fidelity/Schwab for "frozen" SIMPLE IRA alternative

Update: As of today, my SIMPLE IRA with Vanguard is finally open! I guess it is my Christmas present that I don't have to worry about this mess anymore. I had called up Fidelity, but according to the rep I talked to, he stated I couldn't have my SIMPLE IRA with them due to my employer not picking Fi...
by wildungar2000
Tue Dec 04, 2018 6:22 pm
Forum: US Chapters
Topic: West Michigan Bogleheads Chapter - chat
Replies: 48
Views: 5356

Re: New West Michigan Bogleheads Chapter Established

As I said above, please keep responding so I can PM everyone about getting together. I have one last big overseas trip coming up in early November, getting back just before Thanksgiving. That suggests that first get together will be in early December. In the meantime, be thinking about what you wou...
by wildungar2000
Sun Dec 02, 2018 8:13 pm
Forum: Personal Investments
Topic: SIMPLE IRA (5305) - Vanguard/Fidelity/Schwab for "frozen" SIMPLE IRA alternative
Replies: 16
Views: 1695

Re: SIMPLE IRA (5305) - Vanguard/Fidelity/Schwab for "frozen" SIMPLE IRA alternative

If you google “Oppenheimer SIMPLE IRA plan” you’ll find their “SIMPLE IRA A Guide for Business Owners ” PDF. The SIMPLE is a 5304 plan and the IRS Form 5304 SIMPLE is included in the PDF. Wow, I am a 5304-SIMPLE! It just came in the mail on Saturday. This whole time my boss and the Financial Adviso...
by wildungar2000
Tue Nov 27, 2018 8:00 pm
Forum: Personal Investments
Topic: SIMPLE IRA (5305) - Vanguard/Fidelity/Schwab for "frozen" SIMPLE IRA alternative
Replies: 16
Views: 1695

Re: SIMPLE IRA (5305) - Vanguard/Fidelity/Schwab for "frozen" SIMPLE IRA alternative

No, I still have yet to be given my Form 5305 as of today, Nov 27! I asked around at work a couple times and they said that the person administering the plan will contact me "soon." The administrator is a local Financial Advisor and does many SIMPLE IRA and 401k plans for businesses in the area. Wel...
by wildungar2000
Tue Nov 27, 2018 5:57 pm
Forum: Personal Investments
Topic: SIMPLE IRA (5305) - Vanguard/Fidelity/Schwab for "frozen" SIMPLE IRA alternative
Replies: 16
Views: 1695

Re: SIMPLE IRA (5305) - Vanguard/Fidelity/Schwab for "frozen" SIMPLE IRA alternative

So now that Vanguard is allowing Admiral funds in their Solo 401k accounts (see link below), I thought I would call up Vanguard and see if they will be allowing them in their Frozen SIMPLE IRA accounts too. The answer is YES! So for anyone with a Frozen SIMPLE IRA at Vanguard, I recommend you make s...
by wildungar2000
Thu Nov 22, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 171
Views: 48907

Re: my review of my HSA with Saturna brokerage

I plan to. Currently holding off because half of mine is invested in VTSAX, so I'm waiting to see if I can have that held at Fidelity with Vanguard's changes. I figure even if I can't dodge the $75 closing fee, the savings on trading fees and convenience of being able to do small trades will be wel...
by wildungar2000
Wed Nov 21, 2018 5:21 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
Replies: 1066
Views: 104637

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

I called Fidelity today to ask if they would reimburse Saturna's $75 transfer fee. The CSR told me no this time around. Anyone have better luck? For now, I am moving a small amount out of Saturna via distribution/rollover of an NTF but I've kept the FXNAX portion at Saturna (which would cost $25 to...
by wildungar2000
Wed Nov 21, 2018 3:11 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 171
Views: 48907

Re: my review of my HSA with Saturna brokerage

So I have had Saturna for my HSA for a couple years and am 100% VTI (I play a yearly fee of $18.95 total). If I want to sell all of my VTI and do my (once per rolling year) rollover to Fidelity, that would mean selling all VTI. Should I wait to sell so that I get my quarterly VTI dividends first? Ne...
by wildungar2000
Fri Nov 02, 2018 9:59 pm
Forum: Personal Investments
Topic: SIMPLE IRA (5305) - Vanguard/Fidelity/Schwab for "frozen" SIMPLE IRA alternative
Replies: 16
Views: 1695

Re: SIMPLE IRA (5305) - Vanguard/Fidelity/Schwab for "frozen" SIMPLE IRA alternative

The broker using Oppy may not be all that happy about your transfers, but the transfer won't involve him/her directly. And Oppy has no choice in the matter. Yeah, I do envision that he will not be happy with me, but oh well. I'm just glad the IRS has the rules in place to combat this issue. So be g...
by wildungar2000
Fri Nov 02, 2018 6:46 pm
Forum: Personal Investments
Topic: SIMPLE IRA (5305) - Vanguard/Fidelity/Schwab for "frozen" SIMPLE IRA alternative
Replies: 16
Views: 1695

Re: SIMPLE IRA (5305) - Vanguard/Fidelity/Schwab for "frozen" SIMPLE IRA alternative

I just got off the phone with Schwab. Apparently they do not offer these type of transfer SIMPLE IRA accounts either.
by wildungar2000
Thu Nov 01, 2018 7:08 pm
Forum: Personal Investments
Topic: SIMPLE IRA (5305) - Vanguard/Fidelity/Schwab for "frozen" SIMPLE IRA alternative
Replies: 16
Views: 1695

Re: SIMPLE IRA (5305) - Vanguard/Fidelity/Schwab for "frozen" SIMPLE IRA alternative

Well, I just called Fidelity and they informed me that it is not possible through them. They refer to them as "orphan" SIMPLE IRAs, but they do not allow them. I had the person check with someone else to confirm, and he came back saying the same thing. As I have stated in my OP, I am skeptical of wh...
by wildungar2000
Thu Nov 01, 2018 5:15 pm
Forum: Personal Investments
Topic: SIMPLE IRA (5305) - Vanguard/Fidelity/Schwab for "frozen" SIMPLE IRA alternative
Replies: 16
Views: 1695

SIMPLE IRA (5305) - Vanguard/Fidelity/Schwab for "frozen" SIMPLE IRA alternative

My employer is offering a SIMPLE IRA using form 5305, so Oppenheimer is the DFI in my case. Oppenheimer is terrible, so obviously I am going the route of getting my money out of there and into a better institution. I have researched how I want to handle this and know that Vanguard has the frozen SIM...
by wildungar2000
Thu Nov 01, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle 401k or taxable?
Replies: 27
Views: 1784

Re: Side Hustle 401k or taxable?

Use a Roth option for your full-time 401k and then traditional in the solo 401k? But then I lose the 20% cut to pass through income because its done pre tax. And employer contributions have to be traditional. If you contribute to a Solo 401k, it may not affect your 20% Sec 199A deduction, especiall...
by wildungar2000
Thu Nov 01, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle 401k or taxable?
Replies: 27
Views: 1784

Re: Side Hustle 401k or taxable?

Use a Roth option for your full-time 401k and then traditional in the solo 401k? But then I lose the 20% cut to pass through income because its done pre tax. And employer contributions have to be traditional. If you contribute to a Solo 401k, it may not affect your 20% Sec 199A deduction, especiall...
by wildungar2000
Sun Oct 14, 2018 7:58 am
Forum: US Chapters
Topic: West Michigan Bogleheads Chapter - chat
Replies: 48
Views: 5356

Re: West Michigan Bogleheads Chapter - chat

camillus wrote:
Sat Oct 13, 2018 10:17 pm
Anyways, I hope the local credit unions remain healthy. I also hope that their APY follows the upward trend of interest rates :happy
Yes, I agree. United Bank of Michigan just announced 2 weeks ago their rates going from 4% to 5% APY.
by wildungar2000
Sat Oct 13, 2018 11:07 am
Forum: US Chapters
Topic: West Michigan Bogleheads Chapter - chat
Replies: 48
Views: 5356

Re: New West Michigan Bogleheads Chapter Established

Community West CU is 7% up to $2k United Bank of MI is 5% up to $10k LMCU is 3% up to $15k Honor CU is 3% up to $10k Any other local ones? Are these all Chex or hard pulls? Would be a great first topic over coffee. Also if there are referral bonuses the group can get for one another! From my person...
by wildungar2000
Sat Oct 13, 2018 9:06 am
Forum: US Chapters
Topic: West Michigan Bogleheads Chapter - chat
Replies: 48
Views: 5356

Re: New West Michigan Bogleheads Chapter Established

Community West CU is 7% up to $2k
United Bank of MI is 5% up to $10k
LMCU is 3% up to $15k
Honor CU is 3% up to $10k

Any other local ones?
by wildungar2000
Wed Oct 10, 2018 4:19 pm
Forum: US Chapters
Topic: West Michigan Bogleheads Chapter - chat
Replies: 48
Views: 5356

Re: West Michigan Bogleheads Chapter - Who's interested?

I am from GR and I am interested.
by wildungar2000
Mon Aug 20, 2018 5:26 pm
Forum: Investing - Theory, News & General
Topic: 4 week Treasury bills didn't pay out on time?
Replies: 3
Views: 1071

4 week Treasury bills didn't pay out on time?

I just got off the phone with Fidelity about a fee that was charged to my account due to a 4 Week T-bill not paying out on time. According to the Fidelity person I talked to, everyone who was set up for "Auto-roll" had this problem occur (it may or may not be just those with 4 week T-bills). In his ...
by wildungar2000
Tue Jul 24, 2018 7:58 pm
Forum: Personal Investments
Topic: SIMPLE IRA Transfers to Schwab from AF 5305
Replies: 9
Views: 869

Re: SIMPLE IRA Transfers to Schwab from AF 5305

Do you know if Schwab allows for this type of account if you are with in a brand new 5305 SIMPLE IRA? At the start of 2019 I will become eligible for my work's SIMPLE IRA, but they offer a terrible selection through Oppenheimer with ridiculous load fees, etc. I know that Vanguard has their version, ...
by wildungar2000
Sat Jul 14, 2018 8:53 am
Forum: Personal Investments
Topic: Dave Ramsey made me laugh today
Replies: 63
Views: 8038

Re: Dave Ramsey made me laugh today

Speaking of Dave, I was listening to Clark Howard today and a lady called in who wanted to refinance her adjustable rate mortgage, but no bank would let her because she had 200k of parent student loans for her sons out of state undergraduate degree in digital something or other. Apparantly the arm ...
by wildungar2000
Sun Feb 25, 2018 3:34 pm
Forum: Personal Investments
Topic: Where to invest money first? Employer SIMPLE-IRA or taxable account?
Replies: 29
Views: 1508

Re: Where to invest money first? Employer SIMPLE-IRA or taxable account?

krow36 , you seem to be the expert on this topic based on this thread and others I have found. I hope you can answer the following questions I have which the OP may find useful as well. Later this Fall I will be in a similar situation as the OP, but in my case the DFI is Oppenheimer. 1. What funds ...
by wildungar2000
Tue Jan 30, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover check to Saturna
Replies: 2
Views: 424

Re: HSA Rollover check to Saturna

Thanks Spirit! Maybe I'll try and call Saturna again and see if I can get someone more knowledgeable on the line.
by wildungar2000
Mon Jan 29, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover check to Saturna
Replies: 2
Views: 424

HSA Rollover check to Saturna

So I have 2 HSA's. One is through my employer so that I can save on FICA, and I opened it just a month ago or so. It only earns 0.10%. The other is Saturna where I invest the money is VTI, and I only do one transaction per year (total annual fees from Saturna = $14.95+$4 = $18.95). I am front loadin...
by wildungar2000
Thu Nov 09, 2017 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Discover Online Savings Account w/ Promo Code?
Replies: 8
Views: 1469

Re: Discover Online Savings Account w/ Promo Code?

I've done all 3 Discover bonuses. Two have posted, and I'm just waiting on the third. There is the standard Savings one, but also AAA and AAII (and AAII is at 1.25% APY). In looking on DoctorofCredit, it looks like the other two have expired though. Maybe they'll bring them back. Link: https://www.d...
by wildungar2000
Thu Sep 14, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: Repair 2003 Honda Accord?
Replies: 26
Views: 2366

Re: Repair 2003 Honda Accord?

I bought my 2003 Honda Accord EX 4 years ago and love it. I have put on 35k miles and have spent just under $2,000 in total maintenance in that 4 year period. It is currently sitting on 160,000 miles and I hope to go to at least 200,000.
by wildungar2000
Sat Sep 02, 2017 7:09 pm
Forum: Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 157
Views: 20849

Re: HSA - is keeping 40 years of medical records practical?

Generally, health insurance premiums are not a qualified expense. However, the following premium exceptions apply: While receiving unemployment COBRA Long term care Any health insurance other than a medicare supplemental policy after age 65. E.g. Medicare Employee retirement Still employed employee...
by wildungar2000
Thu Aug 31, 2017 8:37 pm
Forum: Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 157
Views: 20849

Re: HSA - is keeping 40 years of medical records practical?

There are two exceptions to that. You can use an HSA to pay for health insurance premiums if (1) you are on unemployment or (2) if it is COBRA. I am using exception (2) right now as I am draining my HSA. I have about another year in the US before I leave and an HSA will be of no use to me. Not a us...