Search found 2005 matches

by hoppy08520
Wed Dec 12, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 692
Views: 49084

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

Has anyone successfully transferred the money from HSA Bank to Fidelity? Mine has not yet gone through. Yes, there have been several in this thread (I know it's many pages long and hard to read). If you look at my posts, you'll see that I started mine Nov 22 and it posted Dec 6. I would expect arou...
by hoppy08520
Wed Dec 12, 2018 3:33 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 692
Views: 49084

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

Has anyone successfully transferred the money from HSA Bank to Fidelity? Mine has not yet gone through. Yes, there have been several in this thread (I know it's many pages long and hard to read). If you look at my posts, you'll see that I started mine Nov 22 and it posted Dec 6. I would expect arou...
by hoppy08520
Fri Dec 07, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 692
Views: 49084

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

Hi, one little update about TDA transfers. This probably applies to more than just HSA transfers, but it confused me and I thought I would share this information with others. In my HSA Bank / TDA HSA account, two of my ETF positions had fractional shares , e.g. you might own 410.37 shares of VTI. Th...
by hoppy08520
Thu Dec 06, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 692
Views: 49084

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

Hoppy, Why did you transfer cash from HSA to TDA first, as opposed to having it transferred directly to Fidelity? And how did you indicate to TDA that you wanted a transfer in kind? My biggest fear is that TDA will liquidate etf holdings prior to transfer. Thanks for your post! penumbra, I can't re...
by hoppy08520
Thu Dec 06, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 692
Views: 49084

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

Hello, here’s an update for people with HSA Bank / TDA who want to transfer to Fidelity HSA. Summary: My in-kind transfer from TDA to Fidelity successfully posted today in Fidelity, around 11 business days after starting. No evidence at this point of any fees being charged, as far as I can tell. Det...
by hoppy08520
Mon Dec 03, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 37
Views: 3132

Re: Employer says no to relocation as employee, should I offer to be contractor?

hoppy08520 Are you central NJ because that seems to be a zip code. :happy Thanks :happy I should be more anonymous on a personal finance internet site but nevertheless: Hightstown NJ represent! I kind of lost interest in baseball but back when I lived there I followed the Mets of Strawberry, Gooden...
by hoppy08520
Sun Dec 02, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 37
Views: 3132

Re: Employer says no to relocation as employee, should I offer to be contractor?

Hi all, OP here, I'm bumping my old post from 2 months ago with an epilogue. First, thanks again for all the replies. The overall gist I got from you all is that I might have been a bit naive to actually to think my employer will be accommodating. So, I started a job search by reaching out to some c...
by hoppy08520
Thu Nov 29, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 692
Views: 49084

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

I know Bogle preaches low fees, but the last 200 posts about whether there is a transfer fee + hounding fidelity into rebating the fee + double dipping by taking the fee rebate on both sides + asking for free trades to sell 2 etfs is going pretty far out on the stingy scale (IMO). People with 5 fig...
by hoppy08520
Wed Nov 28, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5545

Re: Is good, quality luggage worth the price?

I see most people use smaller luggage and carryons. They are ok on a business trip, but what do you do when travelling with family? Two medium suitcases don't fit in many cars, especially in small rentals. A carry on inside the car is annoying. Brands recommended here (Travel Pro Platinum, B&R) don...
by hoppy08520
Sun Nov 25, 2018 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: 401k waiting period - what to do???
Replies: 12
Views: 821

Re: 401k waiting period - what to do???

If you want to make a significant contribution to your 401(k) in 2019, you might be able to set your contribution rate really high, if your plan will let you do so, in order to bunch contributions in the last two months of the year. Just be sure to save up in advance because your takehome salary in ...
by hoppy08520
Sun Nov 25, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5545

Re: Is good, quality luggage worth the price?

I own a standard rollerboard luggage that is high quality, but I almost never use it anymore because many of the smaller jets can't fit it in the overhead bins, or the bins fill up and there's no more room. Instead, I use a durable, similarly-sized canvas duffel bag that I can easily squish into any...
by hoppy08520
Fri Nov 23, 2018 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: VGTSX/VTSAX or Just The VTWSX?
Replies: 7
Views: 1294

Re: VGTSX/VTSAX or Just The VTWSX?

FYI and good news: Vanguard is looking to make an Admirsl share class for Total World:
https://pressroom.vanguard.com/news/Pre ... 11918.html
by hoppy08520
Thu Nov 22, 2018 12:37 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 692
Views: 49084

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

I opened my new Fidelity individual HSA and want to begin the transfer. Before doing this, should I first liquidate the TDA holdings and transfer the TDA funds back into the "savings account" of the HSA? Or can I leave my TDA funds as they are? If I leave the TDA funds as they are, will they transf...
by hoppy08520
Wed Nov 21, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 692
Views: 49084

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

Hello, great thread, thank you to all who have contributed. Sorry if this is a dumb question, but can someone answer a question about how to transfer my HSA Bank HSA into Fidelity? My main question is that in my HSA Bank accounts, I currently have $2,000 in my cash account (myCigna) and a much larg...
by hoppy08520
Wed Nov 21, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 692
Views: 49084

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

Hello, great thread, thank you to all who have contributed. Sorry if this is a dumb question, but can someone answer a question about how to transfer my HSA Bank HSA into Fidelity? My main question is that in my HSA Bank accounts, I currently have $2,000 in my cash account (myCigna) and a much large...
by hoppy08520
Wed Nov 21, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 692
Views: 49084

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

...I also have an existing HSA with BenefitWallet... ...I have existing HSA with Benefit Wallet. I’ve heard some pretty scary stories concerning closing out accounts there. Wondering what is the best procedure to do so. Has anybody successfully transferred and closed out account from Benefit Wallet...
by hoppy08520
Sat Nov 17, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: My experience with iPhone6s battery replacement
Replies: 34
Views: 3056

Re: My experience with iPhone6s battery replacement

i have a 6SE. is apple offering to replace batteries? Yes. I had Apple replace the battery on my 2.5 year old iPhone SE last week at an Apple store. The original battery was at 80%. It was the standard $29. As the OP advised: in advance, upgrade to latest OS, backup your phone, and turn off Find my...
by hoppy08520
Thu Nov 15, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 692
Views: 49084

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

I've got an employer HSA at Fidelity and there are no fees/minimums or cash requirement. I've got the entire balance in FZROX. Hopefully the individual HSAs are similar. I don’t know about Fidelity, but in general, HSA’s often provide discounted or no fees for employer-based plans, or your employer...
by hoppy08520
Fri Oct 26, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: To those who avoid FICA with HSA payroll contributions
Replies: 51
Views: 8709

Re: To those who avoid FICA with HSA payroll contributions

grabinger, thank you so much. If only you work, you are above the second bend point but your spouse will get half your benefit while you are alive and all of it after your death, so again you would be better off with payroll deduction. This is correct today, although my wife will probably start work...
by hoppy08520
Thu Oct 25, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: To those who avoid FICA with HSA payroll contributions
Replies: 51
Views: 8709

Re: To those who avoid FICA with HSA payroll contributions

Hello, bumping this thread. Reading about all the breakeven points and bend bend points is giving me a bit of a headache :confused Is there a good rule of thumb that helps you determine if you should do HSA contributions through payroll to get the FICA reduction (but lower future Social Security ben...
by hoppy08520
Tue Oct 16, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover Timing Risk
Replies: 6
Views: 324

Re: Rollover Timing Risk

Prior to the rollover, can you rebalance all of your various accounts such that you maintain your overall asset allocation across your entire portfolio, but have your 401(k) account be 100% bonds? Then do your rollover. The only part of your portfolio that will be out of the market during the rollov...
by hoppy08520
Wed Oct 10, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: 5 ways target-date funds let investors down
Replies: 38
Views: 3587

Re: 5 ways target-date funds let investors down

Didn't read article but just off the top of my head: (1) Can't utilize placement of assets based on tax efficiency across all accounts (bonds in tax advantaged accounts only for example); moreoever, (1B) some people can genuinely withstand 100/0 AA in the beginning. 10% bonds at the beginning of th...
by hoppy08520
Wed Oct 10, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Airline vs. non-airline travel card
Replies: 10
Views: 902

Re: Airline vs. non-airline travel card

I travel sorta regularly for business and pleasure, and I frequently use United or American. I have both of their credit cards and to me it's worth it for the earlier boarding group and waiving of baggage fees which normally is $25/bag (although I rarely need to check a bag), plus I get two lounge a...
by hoppy08520
Tue Oct 09, 2018 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Rolling INTO TSP? [Thrift Savings Plan]
Replies: 12
Views: 1211

Re: Rolling INTO TSP? [Thrift Savings Plan]

By all means transfer your IRA to TSP. I did it earlier this year. It takes about 10 days to see the transfer online after submitting the forms so don't despair. One tip - when your rollover arrives in the TSP, the TSP will allocate it using your account's "Contribution Allocations" settings back w...
by hoppy08520
Mon Oct 08, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Rolling INTO TSP? [Thrift Savings Plan]
Replies: 12
Views: 1211

Re: Rolling INTO TSP? [Thrift Savings Plan]

How can one quantify the difference between the TSP G Fund and a plain vanilla bond fund? Can it be quantified in basis points per year? I don't know how to answer your specific question, but there was a looong thread on the TSP G Fund earlier this year that might interest you: TSP bonds? - Boglehe...
by hoppy08520
Sat Sep 29, 2018 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Moving rollover IRA into traditional IRA
Replies: 8
Views: 746

Re: Moving rollover IRA into traditional IRA

Read “asset protection” in Bogleheads wiki. An IRA from a rollover may have more legal protection than an ordinary contributory IRA.
by hoppy08520
Fri Sep 28, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Any reason to leave the 401(k) with previous employer open
Replies: 25
Views: 2600

Re: Any reason to leave the 401(k) with previous employer open

A number or people have mentioned the asset protection characteristics of a 401(k) compared to an IRA. Here's some more information on this from the Bogleheads wiki: Asset protection . Be aware of this: A solo 401(k) plan offers some level of asset protection but not to the same degree as a standard...
by hoppy08520
Tue Sep 25, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 37
Views: 3132

Re: Employer says no to relocation as employee, should I offer to be contractor?

2) Why do you need to officially relocate to Vermont? You could telecommute from Vermont but keep your official office at your current location. KlangFool, thanks, but I'm not sure what you mean. Currenty, I live in VA and my company office is in VA. If I move to Vermont and become a resident there...
by hoppy08520
Tue Sep 25, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 37
Views: 3132

Re: Employer says no to relocation as employee, should I offer to be contractor?

Do they have an office in New Hampshire or Massachusetts? You could work out of one of those offices and be a lot closer to family. Thanks for the tip. I really want to be in Vermont (Burlington area, Chittendon County) but this thread is making me consider living on the other side of Lake Champlai...
by hoppy08520
Tue Sep 25, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 37
Views: 3132

Re: Employer says no to relocation as employee, should I offer to be contractor?

2) Why do you need to officially relocate to Vermont? You could telecommute from Vermont but keep your official office at your current location. KlangFool, thanks, but I'm not sure what you mean. Currenty, I live in VA and my company office is in VA. If I move to Vermont and become a resident there...
by hoppy08520
Tue Sep 25, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 37
Views: 3132

Re: Employer says no to relocation as employee, should I offer to be contractor?

OP, 1) If you want a better answer, you should provide information as to A) Which state do you want to move to? B) What are the neighboring states that your employer has an office in? Depending on the state in (A) and (B), you might be able to officially move into a physical office at (B) but never...
by hoppy08520
Tue Sep 25, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 37
Views: 3132

Re: Employer says no to relocation as employee, should I offer to be contractor?

Thank you for the replies, I appreciate it. As far as gotchas, if you are working permanent full time for only one company, the IRS may get in their face and say that's an employee rather than a contractor relationship. Ah, good point. Talking with my dad, he said something about this. I read more a...
by hoppy08520
Tue Sep 25, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 37
Views: 3132

Re: Employer says no to relocation as employee, should I offer to be contractor?

Offering to be a contractor (and asking for increases in compensation) is not going to resolve the issue. For all intents and purposes being a 1099 still creates all of the same issues as a W2 for the company. As soon as the company establishes a nexus in a state (by opening an office / having empl...
by hoppy08520
Tue Sep 25, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 37
Views: 3132

Employer says no to relocation as employee, should I offer to be contractor?

Hello Bogleheads, I'm writing to see if you have any advice on my situation. Thank you for any insights you may have. I work for a ~1,500 employee tech company with US headquarters and offices in at least 10 US states plus at least 3 countries. I work in one of the company offices and live nearby. I...
by hoppy08520
Fri Sep 14, 2018 7:05 am
Forum: Investing - Help with Personal Investments
Topic: Exchanging investments in 401K
Replies: 6
Views: 566

Re: Exchanging investments in 401K

Expense ratios are built into the net fund returns, so what you're asking doesn't really apply.
by hoppy08520
Sun Sep 09, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: How Edward Jones gets compensated
Replies: 7
Views: 1451

Re: How Edward Jones gets compensated

Kevin8696 wrote:
Sun Sep 09, 2018 12:13 pm
I believe it was Henny Youngman that said, "My investments put 2 kids through college... my broker's kids !! "
LOL! I knew I had heard something like that when I posted that review. For the EJ guy, it was 4 kids.
by hoppy08520
Sun Sep 09, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: How Edward Jones gets compensated
Replies: 7
Views: 1451

Re: How Edward Jones gets compensated

More from the mouth of the horse: Here's all you need to know about Edward Jones. Their top-rated employee review at Glassdoor.com, a website where employees rate employers, is this happy chap: Review Title: I pinch myself! Pros The second best decision of my life was saying yes to the EDJ opportuni...
by hoppy08520
Sun Sep 09, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: How Edward Jones gets compensated
Replies: 7
Views: 1451

Re: How Edward Jones gets compensated

Jones did not post that information just to be nice. They were forced to publish this as part of a settlement with the SEC back in 2004 along with a $75 million fine for failing to disclose to consumers how they are compensated.
by hoppy08520
Sun Sep 02, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: small amount in tsp
Replies: 20
Views: 1537

Re: small amount in tsp

Keep it. No harm to keeping it, but you may regret it one day if you close your account. You can roll over other IRAs and 401(k) accounts into your TSP. Listen to what this guy (who doesn't have a TSP account) wrote in another thread: Man it makes me so frustrated when I see that the G fund is yield...
by hoppy08520
Sun Sep 02, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: German B&M Non-Blinking vs. Blinking Bike Tail Lights
Replies: 20
Views: 1285

Re: German B&M Non-Blinking vs. Blinking Bike Tail Lights

Your thread title is "non-blinking vs blinking", but it doesn't have to be either-or. I have both. I'm a year-round bike commuter. I have a dynamo headlight and taillight, both solid beam, as I believe all dynamo lights are. Same model taillight as you. I also have a headlight and taillight mounted ...
by hoppy08520
Mon Aug 27, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: TSP G fund as only bond fund
Replies: 74
Views: 8577

Re: TSP G fund as only bond fund

Just wanted to bump this post and am curious to see if any of those who had posted on this previously have differing opinions on utilizing the G Fund as their sole bond fund given the rising interest rate environment we look to be in for the near term. As always, the F fund represents purchasing un...
by hoppy08520
Mon Aug 27, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: TSP G fund as only bond fund
Replies: 74
Views: 8577

Re: TSP G fund as only bond fund

I use this fund and my opinion is that it is an excellent fund to use as one’s sole bond holding. I don’t however because I can’t—out of military so can’t contribute to TSP anymore. You might already know this, but if you have traditional IRAs or traditional 401(k) accounts (for a former employer),...
by hoppy08520
Mon Aug 27, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: TSP G fund as only bond fund
Replies: 74
Views: 8577

Re: TSP G fund as only bond fund

I use this fund and my opinion is that it is an excellent fund to use as one’s sole bond holding. I don’t however because I can’t—out of military so can’t contribute to TSP anymore. You might already know this, but if you have traditional IRAs or traditional 401(k) accounts (for a former employer),...
by hoppy08520
Sun Aug 05, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover
Replies: 26
Views: 2575

Re: HSA Rollover

See wiki, look in Transfer/Rollover section:

https://www.bogleheads.org/wiki/Health_savings_account
by hoppy08520
Fri Jun 22, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Need some math help with Solin based portfolio
Replies: 9
Views: 899

Re: Need some math help with Solin based portfolio

Technically you can't condense portfolio 2 into portfolio 3 without losing some of portfolio 2's tilts to mid-blend. According to Approximating total stock market - Bogleheads , TSM is 81% S&P 500, 4% mid-cap, 15% small cap. Portfolio 2 makes these ratios 50% / 33% / 17% (exclusive of the two value ...
by hoppy08520
Fri Jun 22, 2018 6:32 am
Forum: Investing - Help with Personal Investments
Topic: TSP advice needed!
Replies: 21
Views: 5432

Re: TSP advice needed!

bgyt wrote:
Thu Jun 21, 2018 8:21 pm
Why G fund over F?
Good morning. Not sure if you’re aware of this but you just bumped a 5-year-old thread :wink:

Here’s a more recent and very spirited thread on the G Fund and F Fund:

TSP Bonds
by hoppy08520
Sat Apr 28, 2018 7:39 am
Forum: Investing - Theory, News & General
Topic: Four Noble Truths, investment version
Replies: 9
Views: 1490

Re: Four Noble Truths, investment version

Very nice :-)

Could you please follow this with the investor version of the eightfold path? ;-)
by hoppy08520
Wed Apr 11, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: Deciphering asset allocation of TSP
Replies: 6
Views: 548

Re: Deciphering asset allocation of TSP

So that pie chart is essentially telling me what the current AA is of my entire balance of funds in the 2050? Exactly :) To elaborate, suppose you have $10,000 today in the L2050. According to the TSP, as of now, the funds allocations are: G: 11.42% F: 6.33% etc. Source: TSP: Lifecycle Funds Theref...
by hoppy08520
Wed Apr 11, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Deciphering asset allocation of TSP
Replies: 6
Views: 548

Re: Deciphering asset allocation of TSP

I think you answered your own question. If you look at your historical contributions, it's just going to say that you contributed $xxx.xx on mm/dd/yyyy to the L2050 fund. It won't break it out for you by asset class. If you want to break it out by sub-fund, you'll need to do the math somehow. Fortun...
by hoppy08520
Tue Mar 20, 2018 5:24 pm
Forum: Investing - Theory, News & General
Topic: TSP bonds?
Replies: 92
Views: 8018

Re: TSP bonds?

Is this a TSP rule that's worse, or a rule that applies to most or all workplace plans like some 401-K's that also allow spouses to retain beneficiary accounts? I am not a tax guru but I am pretty sure that it is just the TSP. I found this link about it. https://www.fidelity.com/viewpoints/personal...