Search found 13 matches

by ej0160
Fri May 01, 2020 5:56 am
Forum: Personal Investments
Topic: HSA - BenefitWallet
Replies: 7
Views: 478

Re: HSA - BenefitWallet

I am in similar position. Due to company match + FICA savings, I use BenefitWallet to accumulate annual HSA contributions. After several issues with their outsourced investment platform (SaveDaily), with the worst was losing all dividend transactions for several months (many calls with their "suppor...
by ej0160
Sat Jan 25, 2020 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1593
Views: 219073

Re: Fidelity as a one stop shop

So I just set it up wrong. It is neither right nor wrong, just matter of personal preference and convenience. Scenario 1: If you use lots of checks, ATM, and/or debit charges, it may be easier to deposit into CMA and then optionally move direct deposit into money market for higher short-term intere...
by ej0160
Fri Jan 24, 2020 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1593
Views: 219073

Re: Fidelity as a one stop shop

I just opened my account with fidelity. Currently my paycheck is direct deposited into the cma account. As I understand it, I will have to manually purchase spaxx mmf. If I pay a bill and have $0 in the cma it will not pull from the mmf to cover the bill correct? Should I change my paycheck direct ...
by ej0160
Mon Dec 09, 2019 6:17 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1065
Views: 118411

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

Okay, so the process is first to go to Fidelity and create a personal HSA, then go to the transfers section as described and kick off the process? There is no human interaction involved? I just need the account numbers of the old HSA? Correct. From what I recall, the only other item you may need is...
by ej0160
Fri Dec 06, 2019 5:19 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1065
Views: 118411

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

After we create an HSA online at Fidelity, do you call Fidelty to start the rollover process or do you call your prior HSA provider? Or are there instructions online? While you can perform the transfer process from either your existing HSA provider or from new Fidelity account, I would recommend fr...
by ej0160
Fri Nov 29, 2019 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1593
Views: 219073

Re: Fidelity as a one stop shop

Can I ask someone with a Fidelity brokerage account and who uses budgeting software (such as Quicken or YNAB) to tell me how sweeping into SPAXX/SPRXX looks like in the said software? My concern with using Fidelity as a checking account is that it will show a lot of useless transactions (i.e. all t...
by ej0160
Tue Aug 13, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1593
Views: 219073

Re: Fidelity as a one stop shop

Is it normal that the Fidelity credit card usage email alerts arrive 2 days after the purchase is made? I'm new to this, still figuring out if I have it set up correctly. Under account alerts, I'm assuming you have it setup for "credit posted", which I typically receive that alert couple days after...
by ej0160
Mon Mar 25, 2019 4:22 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity VISA Question
Replies: 26
Views: 2805

Re: Fidelity VISA Question

I've noticed that my cash reward is only sent automatically every month if there is at least $50. I believe you can go to the Fidelity card/reward site and request that whatever you've earned to be be sent (not sure what the turnaround time is). Manual request to redeem points is also restricted to...
by ej0160
Mon Mar 25, 2019 4:07 am
Forum: Investing - Theory, News & General
Topic: Series I Savings Bonds Buying Opportunity
Replies: 52
Views: 10832

Re: Series I Savings Bonds Buying Opportunity

AndroAsc wrote:
Sun Mar 24, 2019 11:37 pm
To confirm, the get 0.5% fixed rate, we need to buy before end Apr?
Correct. Staring May 1, the 0.5% fixed rate may change. For future reference, use Treasury Direct's web site in case if they change their May / November schedule.
by ej0160
Sun Mar 24, 2019 6:05 pm
Forum: Investing - Theory, News & General
Topic: Series I Savings Bonds Buying Opportunity
Replies: 52
Views: 10832

Re: Series I Savings Bonds Buying Opportunity

Just for my curiosity: Why to buy iBonds at 2.83% when you can get 5, 6, or 7 year CD's at higher than 3.10%? Who generally buys iBonds? For what purpose and for how long? Would it be people who have maxed 401k, HSA, Roth IRA, and have more than enough in their taxable accounts? Aren't there better...
by ej0160
Mon Dec 31, 2018 6:37 am
Forum: Personal Investments
Topic: Bogle Newbie: 401K + General Investing Advice
Replies: 7
Views: 842

Re: Bogle Newbie: 401K + General Investing Advice

Near-term goals: 10% down payment for condo in large metropolitan city, $40K. Try to save 20%. Besides 20% minimum, expect to have additional cost closing related costs (title insurance, inspections, lots of processing / service fees, etc.). If I recall, figure on several thousand at least. Plan fo...
by ej0160
Wed Dec 26, 2018 5:39 am
Forum: Personal Finance (Not Investing)
Topic: Automating expense tracking
Replies: 37
Views: 3028

Re: Automating expense tracking

I was curious to know if you all find the benefits of doing tracking your expenses worth the effort? I tracked our expenses for a two years leading up to my retirement which is planned for next year just so I could determine an accurate spending level for retirement planning purposes. Beyond that, ...
by ej0160
Tue Dec 25, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Automating expense tracking
Replies: 37
Views: 3028

Re: Automating expense tracking

I’ve found the best way to manage expenses has been using Quicken. For my personal workflow, I prefer entering expenses (credit card or otherwise) the day they occur so I can put proper categories on the detail expenses (Ex. Target charge may be split between $X for household shopping, $Y for grocer...