Search found 47 matches
- Tue Oct 01, 2019 2:25 pm
- Forum: Investing - Theory, News & General
- Topic: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges
- Replies: 106
- Views: 10340
Re: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges
I really hope Fidelity follows suit. They are my favorite.
- Wed Jul 31, 2019 7:15 am
- Forum: Personal Finance (Not Investing)
- Topic: Unsure if my tIRA deductible
- Replies: 3
- Views: 200
- Wed Jul 31, 2019 7:14 am
- Forum: Personal Finance (Not Investing)
- Topic: Unsure if my tIRA deductible
- Replies: 3
- Views: 200
Re: Unsure if my tIRA deductible
Deduction phase-out starts at 64k MAGI for single, so you'd be ok.
- Fri Jul 26, 2019 9:04 am
- Forum: Investing - Theory, News & General
- Topic: Investing in Vanguard funds via Fidelity
- Replies: 40
- Views: 8477
Re: Investing in Vanguard funds via Fidelity
Why don't you want ITOT? I find this thread funny....brand loyalty is something. They are identical products.....any discussion of difference is purely theoretical, not practical. Have no idea why someone would pay a commission for one vs the other. Me too. I don't see the point in paying extra to ...
- Thu Jul 11, 2019 3:46 pm
- Forum: Personal Finance (Not Investing)
- Topic: anyone here use BillPay?
- Replies: 22
- Views: 1394
- Mon Jun 17, 2019 9:34 am
- Forum: Personal Investments
- Topic: Alternative to $3,000 minimums at Vanguard
- Replies: 13
- Views: 1003
Re: Alternative to $3,000 minimums at Vanguard
Fidelity offers funds similar to the Vanguard funds you're thinking about and has no minimums.
- Thu Jun 13, 2019 3:11 am
- Forum: Personal Consumer Issues
- Topic: Retired at 35 and have no friends :(
- Replies: 113
- Views: 12218
Re: Retired at 35 and have no friends :(
Sounds to me like OP should go back to work.
- Sun Jun 09, 2019 7:12 am
- Forum: Personal Investments
- Topic: First Post! Portfolio Review Needed
- Replies: 37
- Views: 4587
Re: First Post! Portfolio Review Needed
OP, you probably make too much to be eligible to do a regular roth IRA, but have you considered a backdoor roth? That's $12k (for you and spouse) that you guys can put in an account that'll grow tax-free.
- Tue May 21, 2019 9:02 am
- Forum: Personal Investments
- Topic: Moving an HSA from Optum to Vanguard
- Replies: 11
- Views: 793
Re: Moving an HSA from Optum to Vanguard
I dont think Vanguard offres HSAs. Fidelity does, though.
- Sat Mar 30, 2019 11:34 am
- Forum: Personal Finance (Not Investing)
- Topic: Keeping a stash of vacation days as unemployment "insurance"
- Replies: 70
- Views: 5716
Re: Keeping a stash of vacation days as unemployment "insurance"
I do it. Currently have about 5 weeks worth of vacation. My goal is to get it to 8 weeks and maintain it around that. My only worry is that company switches to one of those fake "unlimited" vacation plans. I'm not sure what would happen to accrued PTO in that case. Do I lose it all?
- Wed Mar 27, 2019 8:56 am
- Forum: Personal Investments
- Topic: Fidelity Index Fund List - Duplicates?
- Replies: 9
- Views: 1021
Re: Fidelity Index Fund List - Duplicates?
FSKAX gives you the total US market, FTIHX gives you the total international.
- Wed Mar 27, 2019 8:34 am
- Forum: Investing - Theory, News & General
- Topic: I hate bonds
- Replies: 116
- Views: 14619
Re: I hate bonds
Right now I have a tough time investing in bonds even though retirement is nearby. I have a tough time believing bonds will provide any real return over the next decade or two. I know they are supposed to reduce risk but investing in something that may not even keep up with inflation seems like a b...
- Mon Mar 18, 2019 6:09 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
- Replies: 631
- Views: 64648
Re: Vanguard is Discontinuing their VanguardAdvantage Accounts
... Fidelity Bill Pay: Ours is a joint account at Fidelity with each of us having a unique user name and PW for the same account. If I logon and send a bill pay check it only has my name on it; my wife's name doesn't show. I called Fidelity and after they checked with the outside bill pay vendor, U...
- Fri Mar 15, 2019 4:47 pm
- Forum: Investing - Theory, News & General
- Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
- Replies: 1004
- Views: 106549
Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th
I should've just snail-mailed it :( So much for having a local Fidelity office :( Sorry, I could've warned you of that. I didn't have your fiasco, but after having been told I could make the deposit for my HSA transfer at the local branch, found out that was not so upon arrival there. They offered ...
- Fri Mar 15, 2019 4:15 pm
- Forum: Investing - Theory, News & General
- Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
- Replies: 1004
- Views: 106549
Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th
I'm about to do a 60-day rollover. Does anyone have experience with bringing the check to a Fidelity branch instead of snail-mailing it? Interesting update: Called local office to ask if they can handle 60-day rollover check: guy in the phone seems baffled, puts me on hold to check and comes back t...
- Thu Mar 14, 2019 9:44 pm
- Forum: Investing - Theory, News & General
- Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
- Replies: 1004
- Views: 106549
Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th
I'm about to do a 60-day rollover. Does anyone have experience with bringing the check to a Fidelity branch instead of snail-mailing it?
- Wed Mar 13, 2019 12:45 pm
- Forum: Investing - Theory, News & General
- Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
- Replies: 1004
- Views: 106549
Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th
EDIT: Actually I can't do this BECAUSE HSA BANK SUCKS! $2500 daily withdrawal limit - what a scam It sounds like you know this from your post, but in case you or others were not aware of it. HSA accounts have a separate, but same rule as IRAs that you can only do one indirect rollover per 12 month ...
- Wed Mar 13, 2019 4:01 am
- Forum: Investing - Theory, News & General
- Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
- Replies: 1004
- Views: 106549
Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th
EDIT: Actually I can't do this BECAUSE HSA BANK SUCKS! $2500 daily withdrawal limit - what a scam It sounds like you know this from your post, but in case you or others were not aware of it. HSA accounts have a separate, but same rule as IRAs that you can only do one indirect rollover per 12 month ...
- Tue Feb 19, 2019 12:41 pm
- Forum: Personal Finance (Not Investing)
- Topic: USAA Auto Premiums Up Exactly 10% in 3 Consecutive Renewals?
- Replies: 43
- Views: 5013
Re: USAA Auto Premiums Up Exactly 10% in 3 Consecutive Renewals?
It might be a coincidence in your state. I don't think I've ever seen a trend like that in my rates from them. On the exactly 10% increases: it might be case where they increased their overall rates by more than 10%, but limit the disruption on currentcustomer, they limit the increase to 10% with e...
- Tue Jan 22, 2019 6:34 pm
- Forum: Personal Finance (Not Investing)
- Topic: USAA Auto Premiums Up Exactly 10% in 3 Consecutive Renewals?
- Replies: 43
- Views: 5013
Re: USAA Auto Premiums Up Exactly 10% in 3 Consecutive Renewals?
On the exactly 10% increases: it might be case where they increased their overall rates by more than 10%, but limit the disruption on currentcustomer, they limit the increase to 10% with each renewal until the full rates come into effect. Unfortunately, insurance is a game of averages, and it's alwa...
- Tue Jan 01, 2019 6:20 pm
- Forum: Investing - Theory, News & General
- Topic: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]
- Replies: 696
- Views: 19461
- Thu Dec 27, 2018 10:53 pm
- Forum: Investing - Theory, News & General
- Topic: What have you learned this year
- Replies: 90
- Views: 7525
Re: What have you learned this year
I thought I was financially savvy before I jointed this forum late last year, but have learned so much since I joined that I wish I found it sooner! Things I learned or understand better thanks to this forum: Mega backdoor roth Backdoor roth and the fact that I pretty much can't keep money in other ...
- Sun Dec 16, 2018 8:23 am
- Forum: Personal Investments
- Topic: Deductible trad IRA contribution and Conversion to Roth in the same year
- Replies: 5
- Views: 479
Re: Deductible trad IRA contribution and Conversion to Roth in the same year
Contribute 1K to TIRA. Value decreases to near 0 (extreme example) 1)Recharacterize to Roth. Now have near 0 in Roth. 2)Leave in TIRA. Then convert. Now have near 0 in Roth. Pay 25% of conversion in taxes = near 0 x 25% Deduct 1K contribution = worth 0.25K The net benefit of this combo is nearly 0....
- Sun Dec 16, 2018 8:22 am
- Forum: Personal Investments
- Topic: Deductible trad IRA contribution and Conversion to Roth in the same year
- Replies: 5
- Views: 479
- Sat Dec 15, 2018 10:44 pm
- Forum: Personal Investments
- Topic: Deductible trad IRA contribution and Conversion to Roth in the same year
- Replies: 5
- Views: 479
Re: Deductible trad IRA contribution and Conversion to Roth in the same year
It seems to me that the 1k you contributed to your tIRA will just be added to the tIRA's balance. I think you can recharacterize the 1k contribution, but I don't think you can convert that particular 1k contribution to a Roth IRA. How much do you think you will save in taxes if you use option 2? No...
- Sat Dec 15, 2018 8:54 pm
- Forum: Personal Investments
- Topic: Deductible trad IRA contribution and Conversion to Roth in the same year
- Replies: 5
- Views: 479
Deductible trad IRA contribution and Conversion to Roth in the same year
Is there anything wrong with doing that? I made a deductible $1k contribution to a traditional IRA earlier this year, but have realized after the fact that for long term reasons I want to convert the trad IRA to Roth. It looks like I have two options: 1. Re-characterize the trad contribution as Roth...
- Sat Dec 15, 2018 4:05 pm
- Forum: Personal Finance (Not Investing)
- Topic: Auto, home and umbrella insurance
- Replies: 8
- Views: 930
Re: Auto, home and umbrella insurance
I have coupled my insurances and been with the same company for ~30 years. No real service complaints other than over the last 5 or so years the premiums keep going up. When I call I don’t get a good reason. Was considering shopping around, I could post how much I am paying if needed but my questio...
- Mon Dec 10, 2018 10:25 am
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in free fall
- Replies: 12414
- Views: 2143700
Re: U.S. stocks in freefall
Tempted to invest my 2019 Roth contribution now. Not really market timing based on my IPS that states to invest all cash ASAP. You can't contribute until January 1st for 2019. I am hoping the rally holds off until after the 1st. So far so good. DOW futures are down .7% so far today. You can have ex...
- Tue Dec 04, 2018 4:58 pm
- Forum: Personal Investments
- Topic: Schwab Vs Fidelity Vs Vanguard
- Replies: 88
- Views: 28079
Re: Schwab Vs Fidelity Vs Vanguard
I have now had accounts at all 3, and my pick is Fidelity for the following reasons in order of importance 1. Ability to deposit mega backdoor rollover checks using App (Vanguard and Schwab don't offer this) 2. No need to wait 1 business day for ach deposits to settle before I can invest them ( I th...
- Fri Nov 23, 2018 5:54 pm
- Forum: Investing - Theory, News & General
- Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
- Replies: 807
- Views: 92194
Re: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Would selling SWTSX and buying FZROX count as a wash sale? I am looking into TLH for the first time, and want to make sure I don't screw things up.
- Wed Nov 21, 2018 10:21 am
- Forum: Investing - Theory, News & General
- Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
- Replies: 1004
- Views: 106549
Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Just a quick update... I got a secure message from Fidelity yesterday saying that they had forwarded the transfer request to the appropriate department and that they’d update on progress in 2-4 days. So it sounds like online submission might have done the trick. Fingers crossed... Have you heard an...
- Mon Nov 19, 2018 6:21 am
- Forum: Investing - Theory, News & General
- Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
- Replies: 1004
- Views: 106549
Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th
I took the plunge and opened my Fidelity account today. My employer uses HSA bank as custodian. I am going to mail the pre-filled Fidelity form and transfer most of my current cash balance. If this works, I will liquidate my investments and transfer them to fidelity, and will plan to do this once a...
- Sun Nov 18, 2018 7:35 pm
- Forum: Investing - Theory, News & General
- Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
- Replies: 1004
- Views: 106549
Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th
I took the plunge and opened my Fidelity account today. My employer uses HSA bank as custodian. I am going to mail the pre-filled Fidelity form and transfer most of my current cash balance. If this works, I will liquidate my investments and transfer them to fidelity, and will plan to do this once a ...
- Mon Oct 08, 2018 1:53 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in free fall
- Replies: 12414
- Views: 2143700
Re: U.S. stocks in freefall
Looks like the S&P500 is turning positive for the day 

- Tue Sep 25, 2018 10:58 am
- Forum: Personal Finance (Not Investing)
- Topic: Be sure to check your tax estimates for 2018
- Replies: 24
- Views: 3555
Re: Be sure to check your tax estimates for 2018
I second the bolded. Whenever I use it, the IRS calculations miss one paycheck.SimonJester wrote: ↑Tue Sep 25, 2018 9:14 amKeep in mind I have found the IRS withholding calculator to be off by 1 paycheck depending when in the month you run it...
I have a spreadsheet I am using to more accurately calculate when I will owe.
- Sun Sep 23, 2018 9:44 am
- Forum: Personal Finance (Not Investing)
- Topic: Physical Banking - Any benefits anymore?
- Replies: 142
- Views: 10274
Re: Physical Banking - Any benefits anymore?
What's a medallion?augustwest73 wrote: ↑Wed Sep 19, 2018 9:24 pm1. Free notary
2. Free medallion
3. Easy and quick to cash savings bonds
I keep the bare minimum in a B&M bank for those three reasons.
- Sun Aug 05, 2018 3:30 pm
- Forum: Investing - Theory, News & General
- Topic: Fidelity eliminated $50 IRA closeout fee
- Replies: 9
- Views: 2309
- Tue Jul 17, 2018 11:24 pm
- Forum: Personal Finance (Not Investing)
- Topic: Thinking about job change but current job gives 9% salary into 401k..
- Replies: 27
- Views: 3729
Re: Thinking about job change but current job gives 9% salary into 401k..
Get an offer, then compare (all, not just 401k) benefit packages from each employer side by side. You should be able to figure it out at that point. No point in speculating until you have an offer in hand.
- Wed Jun 27, 2018 5:43 am
- Forum: Personal Investments
- Topic: Mobile deposit of Rollover Check
- Replies: 15
- Views: 1381
Re: Mobile deposit of Rollover Check
I like Schwab but I'm going to be doing this every 6 weeks or so, so being able to deposit the rollover checks remotely would be awesome. It seems like Vanguard only allows it for traditional IRAs. Do y'all know of any brokerage that would allow me to deposit any rollover check remotely? Thanks! Si...
- Mon Jun 25, 2018 7:43 pm
- Forum: Personal Investments
- Topic: Mobile deposit of Rollover Check
- Replies: 15
- Views: 1381
- Mon Jun 25, 2018 7:42 pm
- Forum: Personal Investments
- Topic: Mobile deposit of Rollover Check
- Replies: 15
- Views: 1381
Re: Mobile deposit of Rollover Check
I must be old. I wouldn't trust a mobile device with this. I don't even like to deposit big checks at an ATM. But, "just because you are paranoid doesn't mean they aren't out to get you!" Haha, probably wise of you. I really enjoy the convenience of not having to go to a branch, but I guess it's no...
- Mon Jun 25, 2018 7:41 pm
- Forum: Personal Investments
- Topic: Mobile deposit of Rollover Check
- Replies: 15
- Views: 1381
Re: Mobile deposit of Rollover Check
No, I was basing that on the options that came up when I pulled up the check deposit feature in the app.Earl Lemongrab wrote: ↑Sun Jun 24, 2018 2:30 pmYou say "it looks like". Did you actually call and check on it?
- Sat Jun 23, 2018 8:21 pm
- Forum: Personal Investments
- Topic: Mobile deposit of Rollover Check
- Replies: 15
- Views: 1381
Re: Mobile deposit of Rollover Check
I am about to do a mega backdoor roth rollover for the first time, and it looks like to deposit the checks I receive from my 401k admin in my Schwab accounts, I have to go to the local branch or mail them in... What brokerage is the custodian of your 401k? Ask your 401k admin if you opened a Roth I...
- Sat Jun 23, 2018 7:21 pm
- Forum: Personal Investments
- Topic: Mobile deposit of Rollover Check
- Replies: 15
- Views: 1381
Mobile deposit of Rollover Check
I am about to do a mega backdoor roth rollover for the first time, and it looks like to deposit the checks I receive from my 401k admin in my Schwab accounts, I have to go to the local branch or mail them in: the mobile check deposit in the Schwab app seems to want to treat it as a contribution, whi...
- Wed May 16, 2018 1:42 pm
- Forum: Personal Investments
- Topic: 401k loan to get new employer's company match
- Replies: 15
- Views: 1166
Re: 401k loan to get new employer's company match
New company doesn't know about the 16000 you already contributed, so you could just do non-taxable contributions and still get the match.
- Mon Apr 23, 2018 8:38 pm
- Forum: Personal Finance (Not Investing)
- Topic: How old are you and how much do you save for retirement a year
- Replies: 244
- Views: 37168
Re: How old are you and how much do you save for retirement a year
First post on the forum! 34, currently saving: 18,500 401k 2,000 hsa (I max it out, this is my conservative estimate of what will be leftover after medical expenses) 5,500 my ira 5,500 wife's ira 16,000 Total: 47.5k This is the first year I'm contributing this much. I started saving late, so only h...
- Sun Apr 22, 2018 9:40 pm
- Forum: Personal Finance (Not Investing)
- Topic: How old are you and how much do you save for retirement a year
- Replies: 244
- Views: 37168
Re: How old are you and how much do you save for retirement a year
First post on the forum! 34, currently saving: 18,500 401k 2,000 hsa (I max it out, this is my conservative estimate of what will be leftover after medical expenses) 5,500 my ira 5,500 wife's ira 16,000 employer retirement contribution Total: 47.5k This is the first year I'm contributing this much. ...