Search found 2230 matches

by tj
Fri Dec 14, 2018 11:11 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48007

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

There's a HealthEquity account closing form? I guess I should call them and see if they require that?

Just logged into my HealthEquity Account, they did a trustee to trustee transfer on 12/7 and deducted $25
by tj
Fri Dec 14, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48007

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

Has anyone successfully transferred from healthEquity? I had a Fido rep call me yesterday saying they called HealthEquity to get a status on the transfer and they wouldn't tell them anything about the account. I received an account closure request email on November 30, it would seem HealthEquity is ...
by tj
Wed Dec 12, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48007

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

I initiated the transfer process from Ameritrade to Fidelity HSA a couple week ago. I was told by Fidelity the entire process takes a few weeks. My Ameritrade funds were in VTI. I believe Fidelity charges an additional fee for holdings in Vanguard although not sure how it works in the HSA. I would ...
by tj
Wed Dec 12, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Anyone upgrading to sapphire banking at chase?
Replies: 12
Views: 1385

Re: Anyone upgrading to sapphire banking at chase?

There are no investor shares anymore for most of those funds.
by tj
Sun Dec 09, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question for Federal Employees in Hawaii
Replies: 0
Views: 205

Tax Question for Federal Employees in Hawaii

I'm super confused about what actually gets taxed and how. I accepted a job starting next month that has a Base Annual Salary, Locality Pay, Cost of Living and a Retention Incentive. I believe that the Base Salary and Locality Pay is the only portion that will be subject to the 4.4% reduction for FE...
by tj
Sat Dec 08, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB HDHP's CFBC vs GEHA
Replies: 7
Views: 540

Re: FEHB HDHP's CFBC vs GEHA

Have you compared these plans on Checkbook.org? Many federal agencies make the comparative tool on that site available to employees for free (the Checkbook website will tell you if your agency does). The site also lets you put in the names of all your doctors to see which ones take a particular pla...
by tj
Fri Dec 07, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: Ally Invest (Up To $3500 Offer)
Replies: 9
Views: 2374

Re: Ally Invest (Up To $3500 Offer)

It's only for new customers. If you did the TradeKing promotion and it converted to Ally Invest, you're probably not eligible. In the past, these types of offers at other brokerages were not only for new customers.
by tj
Fri Dec 07, 2018 2:31 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 228697

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

-You can combine with the current savings bonuses. I.e., transfer in $25k to savings and then only $50k to YouInvest. However, since you probably don’t want the balance in savings the entire six months, I’m not sure how helpful this is.
You shouldn't need to keep $25k in savings for six months.
by tj
Sun Dec 02, 2018 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Personnel turnover in Vanguard Personal Advisory Services
Replies: 22
Views: 2147

Re: Personnel turnover in Vanguard Personal Advisory Services

Afty wrote:
Sun Dec 02, 2018 4:58 pm
I have not had this experience. I've had the same PAS advisor since signing on in 2014.
PAS has been around that long? Wow time flies. So you don't mind paying the 30 bps?
by tj
Sun Dec 02, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Blue Cross Basic vs. Blue Focus
Replies: 16
Views: 1106

Re: FEHB Blue Cross Basic vs. Blue Focus

Take a look at mhbp consumer driven as well, they waive all the copays, deductibles with Medicare and give $1200 per person HRA which can be used for the Medicare premiums
by tj
Wed Nov 28, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Lower auto/home liability, max umbrella?
Replies: 13
Views: 920

Re: Lower auto/home liability, max umbrella?

NavyIC3 wrote:
Wed Nov 28, 2018 7:41 pm
An umbrella policy covers more than just the underlying policies.
Yes, they require personal injury to be added to a HO policy (libel/slander etc).

What else does it cover that the underlying does not?
by tj
Wed Nov 28, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Lower auto/home liability, max umbrella?
Replies: 13
Views: 920

Re: Lower auto/home liability, max umbrella?

The State Farm guy I talked to said umbrella liability is handled by lawyers and auto liability is handled partly by auto insurance agents. Insurance agents sell policies, they don't negotiate claims. If an insurance company doesn't want to pay out a million bucks on a claim, they will hire a lawye...
by tj
Wed Nov 28, 2018 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!
Replies: 46
Views: 3032

Re: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!

I appreciate all the great discussion in this thread. Anyone have experience recently with Carefirst HDHP? I plan to switch to it from NALC Hi and have a hard time finding any personal experiences with those in the plan. The premiums went down considerable from last year and the premium pass-throug...
by tj
Tue Nov 27, 2018 12:47 am
Forum: Investing - Theory, News & General
Topic: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October after
Replies: 58
Views: 5326

Re: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October a

Competition is good. It makes capitalism successful. Fidelity and Vanguard are the two big dogs. It would be nice if we had a decent third player nipping at their heels. Janus looked like they might fill that rule many years ago, but they flamed out. Who's next? Hasn't Schwab been the other big dog...
by tj
Mon Nov 26, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Job Offer - Should I take it?
Replies: 58
Views: 3856

Re: Federal Job Offer - Should I take it?

already have “COLA-lite” for newer hires).
What is "COLA-lite" ?
by tj
Mon Nov 26, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15056

Re: Black Friday 2018

JBTX wrote:
Sat Nov 24, 2018 8:13 pm
Yeah I bought a discounted Dyson as referenced in another thread and got 10% on ebates also. I even got $10 of ebates on my $1 a month Hulu subscription.

I rarely have an opportunity to earn ebate dollars.
Only $5 ebates for me. I guess they reduced it. :(
by tj
Mon Nov 26, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Job Offer - Should I take it?
Replies: 58
Views: 3856

Re: Federal Job Offer - Should I take it?

I wouldn't do it. I believe that there was a report that came out recently that stated, "117K in yearly salary in the bay area is considered low income". The federal benefits are virtually unmatched though. Pension, 5% match, Dirt cheap health insurance, tons of paid time off... But the pension con...
by tj
Mon Nov 26, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Job Offer - Should I take it?
Replies: 58
Views: 3856

Re: Federal Job Offer - Should I take it?

ADower wrote:
Mon Nov 26, 2018 11:57 am
I wouldn't do it. I believe that there was a report that came out recently that stated, "117K in yearly salary in the bay area is considered low income".


The federal benefits are virtually unmatched though. Pension, 5% match, Dirt cheap health insurance, tons of paid time off...
by tj
Mon Nov 26, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October after
Replies: 58
Views: 5326

Re: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October a

Pocanutin wrote:
Mon Nov 26, 2018 11:34 am
I believe that Fidelity is privately owned. I thought Vanguard was employee owned. Perhaps I'm wrong.
Vanguard is privately owned as well, by it's mutual funds.
by tj
Mon Nov 26, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48007

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


My assets from TD Ameritrade are now showing up at Fidelity as pending transfer:
how long did this take? I dropped the paperwork off at a branch last week and the website is still showing paperwork not yet received.
by tj
Mon Nov 26, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Federal Job Offer - Should I take it?
Replies: 58
Views: 3856

Re: Federal Job Offer - Should I take it?

If you can absorb the hcol for a couple years to get past probation with the feds, I don't see why not.

I accepted a 40k fed job in Hawaii understanding that it night be a short term hit, but long term it's a no brainer
by tj
Sun Nov 25, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance and Financial Advisor (Advice Please!)
Replies: 16
Views: 2024

Re: Inheritance and Financial Advisor (Advice Please!)

I think Fidelity has the cheapest variable annuity right now.
by tj
Sat Nov 24, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!
Replies: 46
Views: 3032

Re: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!

I just read reviews for GEHA insurance in general (standard, high, HDHP). They really make me nervous. According to the reviews GEHA constantly deny covered service, billings are full of errors, and very poor customer services. The poor reviews are cross board and are not just for HDHP options. GEH...
by tj
Fri Nov 23, 2018 1:31 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48007

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

veggivet wrote:
Fri Nov 23, 2018 12:40 pm
Didn't mean to cause any confusion. To be clear, my transaction is a transfer, not a rollover.
What's the difference between an HSA transfer and an HSA rollover?
by tj
Fri Nov 23, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!
Replies: 46
Views: 3032

Re: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!

The other consideration is the HSA account that GEHA uses. What is the maintenance fee and administration fee? What are the investment options/cost? The HSA is through HSA Bank. GEHA covers the fee as long as you stay with HSA Bank. The investment options at HSA Bank aren't that good, but you can l...
by tj
Fri Nov 23, 2018 1:22 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 257
Views: 18327

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

diy60 wrote:
Fri Nov 23, 2018 12:21 am
LinusP wrote:
Thu Nov 22, 2018 11:15 pm
Walmart's price went down again - I just bought it for $18.17.
Thank you for the heads up, I just got it for $18.17 as well.

This is super annoying. It is showing $29.97 for me.
by tj
Thu Nov 22, 2018 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!
Replies: 46
Views: 3032

Re: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!

The other consideration is the HSA account that GEHA uses. What is the maintenance fee and administration fee? What are the investment options/cost? The HSA is through HSA Bank. GEHA covers the fee as long as you stay with HSA Bank. The investment options at HSA Bank aren't that good, but you can l...
by tj
Thu Nov 22, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 265
Views: 24982

Re: "Open Social Security" calculator: feature requests, bug reports, etc

I'm wondering if the calculator is making a mistake, or if we are misunderstanding how it works. My dad thinks that my mom should get 50% of his benefit as a spousal benefit. So, playing with the calculator, if Mom files at 62, she gets ~$7k per year from her own record. If dad files at 70, he gets...
by tj
Thu Nov 22, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!
Replies: 46
Views: 3032

Re: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!

A list of GEHA's networks is here:

https://www.geha.com/~/media/Files/Docu ... tworks.pdf

You can find the specific network on the associated insurance comapny's web site to search for your providers.
by tj
Thu Nov 22, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 265
Views: 24982

Re: "Open Social Security" calculator: feature requests, bug reports, etc

I'm wondering if the calculator is making a mistake, or if we are misunderstanding how it works. My dad thinks that my mom should get 50% of his benefit as a spousal benefit. So, playing with the calculator, if Mom files at 62, she gets ~$7k per year from her own record. If dad files at 70, he gets ...
by tj
Wed Nov 21, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78693

Re: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)

Is it possible to exchange Vanguard funds into Fidelity funds on the same day without being out of the markets? I'm assuming that this would need to happen on the Fidelity platform. Will other Brokerage firms be able to hold Fidelity Zero funds (even if no additional purchases are possible)? That i...
by tj
Wed Nov 21, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17190

Re: Vanguard lowering Admiral level to $3,000?

It's too bad they didn't merge everything into Institutional Plus like Fidelity did. :D
by tj
Tue Nov 20, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Switching to Vanguard from USAA
Replies: 15
Views: 1249

Re: Switching to Vanguard from USAA

I don't see that change as a reason to switch, If you liked the usaa funds before, there's no reason to dislike them now. If they become less favorable in the future, adapt then. If course you can sell to cash in ira's and move wherever with no consequences.
by tj
Sun Nov 18, 2018 2:38 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48007

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

I just added an individual HSA accont in Fidelity's website. I also completed my HSA PDF transfer form to move my existing HSA funds from HSA Bank to Fidelity and mailed into Fidelity. Thanks for all you help. Where did you find the HSA PDF transfer form? Open an hsa account online, it auto populat...
by tj
Sun Nov 18, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: Sell 0% Fixed Rate IBonds and Buy TIPS?
Replies: 19
Views: 2012

Re: Sell 0% Fixed Rate IBonds and Buy TIPS?

I think it's a good article. The question needs to be asked. But the answer will be different for different folks. There are probably some people who should hold on to those low yield I bonds. Others would absolutely be better served by swapping them out for higher yielding TIPS. How so? Who benefi...
by tj
Sun Nov 18, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 96
Views: 15008

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

I have gone to Tresury Direct. Looked up auctions. I see upcoming auctions 13 and 26 week. I did read Treasury Bill go up to 52 weeks and bid every 4 weeks. I don't see what the rate will be. I can only see past rates when I open. Where do I see the interest rates on upcoming auctions. "The price o...
by tj
Sat Nov 17, 2018 9:23 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48007

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

I just did this, had to sell all Vanguard funds at Health Equity and transfer cash. Annoying but, oh well. Did you have to fill anything out at HealthEquity or was the signed Fidelity form sufficient? I'll add to this question. Could you do it purely online from the Fidelity side? No you can't do i...
by tj
Sat Nov 17, 2018 9:20 pm
Forum: Investing - Theory, News & General
Topic: USAA getting out of mutual fund biz
Replies: 39
Views: 5135

Re: USAA getting out of mutual fund biz

"Really? They are still top ranked, by far, in all the rankings for customer service and member satisfaction." Yes - for insurance. I've been with them since I was in ROTC. But for life, home and car insurance only. That's why they were created - to provide insurance for the military with no war cl...
by tj
Sat Nov 17, 2018 9:00 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48007

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

Does anyone know if Fidelity support Institutional class Vanguard funds? That's what I have in my HealthEquity account and wondering if I'd need to sell before transferring. I don't know, but I doubt it. Fidelity's own peasant class index funds have extremely low ERs, sometimes lower than Vanguard ...
by tj
Sat Nov 17, 2018 8:30 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48007

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

Does anyone know if Fidelity support Institutional class Vanguard funds? That's what I have in my HealthEquity account and wondering if I'd need to sell before transferring. I don't know, but I doubt it. Fidelity's own peasant class index funds have extremely low ERs, sometimes lower than Vanguard ...
by tj
Sat Nov 17, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: interesting call with my 80yr old mothers Fidelity advisor
Replies: 30
Views: 4958

Re: interesting call with my 80yr old mothers Fidelity advisor

So what is the point of having a fee based advisor if they do not take their clients concerns into account? What's the point of having an advisor if you know what to invest in? Move her to Vanguard PAS if you want her to have a Boglehead like portfolio. Fidelity GO would work too, but she wouldn't ...
by tj
Sat Nov 17, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48007

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

dachshunddad wrote:
Sat Nov 17, 2018 1:41 pm
Thanks to everyone for letting the community know this info. I'm going to switch to Fidelity this week.

Does anyone know of a way around the health equity $25 closing fee?

:sharebeer
Pay it. $25 is nothing compared to the 40bps wrap unless your account is small.
by tj
Sat Nov 17, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund
Replies: 13
Views: 1326

Re: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund

Will there ever be a "lower free" response from Vanguard? Doubt it. I do not have numbers to prove it but I am 95% confident that the average and median customer at vanguard pays a lower expense than than the same customer at Fidelity or ANY other brokerage or mutual fund company. Focusing on one f...
by tj
Sat Nov 17, 2018 1:13 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48007

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

Does anyone know if Fidelity support Institutional class Vanguard funds? That's what I have in my HealthEquity account and wondering if I'd need to sell before transferring. I don't know, but I doubt it. Fidelity's own peasant class index funds have extremely low ERs, sometimes lower than Vanguard ...
by tj
Sat Nov 17, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48007

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

Does anyone know if Fidelity support Institutional class Vanguard funds? That's what I have in my HealthEquity account and wondering if I'd need to sell before transferring. I don't know, but I doubt it. Fidelity's own peasant class index funds have extremely low ERs, sometimes lower than Vanguard ...
by tj
Sat Nov 17, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Sell 0% Fixed Rate IBonds and Buy TIPS?
Replies: 19
Views: 2012

Re: Sell 0% Fixed Rate IBonds and Buy TIPS?

I think it's a good article. The question needs to be asked. But the answer will be different for different folks. There are probably some people who should hold on to those low yield I bonds. Others would absolutely be better served by swapping them out for higher yielding TIPS. How so? Who benefi...
by tj
Sat Nov 17, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund
Replies: 13
Views: 1326

Re: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund

lostdog wrote:
Sat Nov 17, 2018 9:07 am
Will there ever be a "lower free" response from Vanguard?
Doubt it.
by tj
Sat Nov 17, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 679
Views: 48007

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

Does anyone know if Fidelity support Institutional class Vanguard funds? That's what I have in my HealthEquity account and wondering if I'd need to sell before transferring.
by tj
Sat Nov 17, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Water-Sewer line insurance
Replies: 34
Views: 1882

Re: Water-Sewer line insurance

What companies offer this type of insurance?
by tj
Tue Nov 13, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Question re: HSA for federal employees and FSA carryover
Replies: 15
Views: 907

Re: Question re: HSA for federal employees and FSA carryover

sixtoeight wrote:
Tue Nov 13, 2018 1:37 pm
I am also thinking of getting GEHA high deductible during the open season. For feds, are there any other HSA plans that people have tried other than GEHA?
Folks have mentioned Aetna and MHBP in other threads.