Search found 1188 matches

by Hayden
Wed Jan 02, 2019 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 378
Views: 51840

Re: Fidelity free Turbotax

thanks, so what is the qualification to be invited to the Fidelity Holiday Event . Well, being a Private Client to start. Not sure what beyond that since they do not get any fees from me. This is two years in a row that I have been invited a week before the event so I'm not sure if someone else dec...
by Hayden
Thu Dec 27, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Fulbright scholar
Replies: 7
Views: 821

Re: Fulbright scholar

I think it is a great growth experience, particularly if she picks someplace particularly interesting. Not sure how much it will help her professionally; interning at Google might be better. But, these types of experiences are very difficult to do once one is started in their career. I suggest takin...
by Hayden
Mon Dec 17, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Mentally active retirement communities
Replies: 9
Views: 975

Re: Mentally active retirement communities

delamer wrote:
Mon Dec 17, 2018 7:00 pm
What do you envision when you think of a computer club?
Writing apps, web sites, hacking (computer security). People involved in startups, trying new things.

Maybe I need to be near a university...
by Hayden
Mon Dec 17, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Mentally active retirement communities
Replies: 9
Views: 975

Mentally active retirement communities

I've been visiting active adult retirement communities (Del Webb, etc) and I really like how friendly and social the communities are. I like all the clubs and activities. But, when I ask about the computer club, they tell me about classes on how to use email and Facebook. Not what i have in mind. Th...
by Hayden
Mon Dec 17, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Stand up desks: Jarvis vs UpLift vs ?? (Help me shop)
Replies: 34
Views: 1709

Re: Stand up desks: Jarvis vs UpLift vs ?? (Help me shop)

I had a desk top that worked for me. I bought the Jarvis hardware (everything except the top,) and attached it to my top. Works great. Even if you dont already have a top, you could probably save yourself $ by buying a top locally from an office store, and attaching the Jarvis hardware. In my area, ...
by Hayden
Mon Dec 17, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Gift Ideas for wife
Replies: 76
Views: 5492

Re: Gift Ideas for wife

Does she have a kindle? That would be a nice gift for a reader.
by Hayden
Sat Dec 15, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 190
Views: 14492

Re: Obamacare (ACA) Ruled Illegal by Texas Federal Court

Keeping it to my situation. I would be affected. Plan A would be to hope my state legislature steps in and does something. Since I live in California, that seems like a plausible thing to hope for. Plan B would be to go back to work. I’m only a couple of years away from working, and I still get con...
by Hayden
Fri Dec 14, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 63
Views: 6932

Re: Is expensive olive oil worth it?

The main thing I learned about olive oil when I was in Italy is that it needs to be fresh, never older than a year. I used to buy the big containers at Costco, but I cant go through that much in a year. So now I buy small bottles.
by Hayden
Fri Dec 14, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: How to evaluate quality of health insurance options
Replies: 12
Views: 709

Re: How to evaluate quality of health insurance options

I do not know of any silver bullet (personally think there is a possible market to help answer questions like this though that is a separate topic) ... but one idea is for you to: 1) Find some "household" names in the area or state such as Aetna or BCBS 2) Find their least restrictive (e.g. PPO, no...
by Hayden
Thu Dec 13, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: How to evaluate quality of health insurance options
Replies: 12
Views: 709

Re: How to evaluate quality of health insurance options

A few comments and observations: - you might have great health insurance, but bad care/results if you pick the wrong physicians. - I almost never believe patient surveys or testimonials about physicians. In my opinion, lots of folks just love bad or mediocre physicians. Agreed. So what's the advice...
by Hayden
Thu Dec 13, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: How to evaluate quality of health insurance options
Replies: 12
Views: 709

Re: How to evaluate quality of health insurance options

squirm wrote:
Thu Dec 13, 2018 10:53 am
Just read the EOB's.
Online reviewers said their health was suffering because the insurance company was denying their PCP's referrals to specialists. People said they could not get in to see primary care doctors and specialists. Reading the EOBs wouldn't tell you stuff like that.
by Hayden
Thu Dec 13, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: How to evaluate quality of health insurance options
Replies: 12
Views: 709

How to evaluate quality of health insurance options

I'm looking to buy a retirement home in a warmer location. I am many years from medicare, so will be purchasing ACA health insurance. I like Summerlin, Las Vegas. Looked up the health insurance options on the government website, and they were companies I was not familiar with (eg, Health Plan of Nev...
by Hayden
Wed Dec 12, 2018 5:14 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 859
Views: 64689

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 Hayden
Wed Dec 12, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 859
Views: 64689

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.
by Hayden
Wed Dec 12, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: Early retirement mistakes???
Replies: 37
Views: 6319

Re: Early retirement mistakes???

We are deciding where to move for retirement, and I have to check on health insurance availability as part of that decision. We found one place we like, but there were few health insurance options and the reviews of those companies were absolutely awful, so we decided not to move there. Note that I ...
by Hayden
Wed Dec 12, 2018 10:55 am
Forum: Investing - Help with Personal Investments
Topic: My PenFed 5 yr CDs are maturing
Replies: 35
Views: 2755

Re: My PenFed 5 yr CDs are maturing

I prefer having my CDs mature at staggered dates, aka a CD ladder. That way, they all do not mature at a time when the rates are low, and if rates increase, I will not have to wait a long time to take advantage of the increase. The price for this "insurance" is a lower yield on the shorter CDs you ...
by Hayden
Tue Dec 11, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: My PenFed 5 yr CDs are maturing
Replies: 35
Views: 2755

Re: My PenFed 5 yr CDs are maturing

My PenFed 5 yr CDs are about to mature. They are set to renew in new 5 yr CDs at a rate of 3.5%. I have no need/plans for this money. I maintain a 50/50 allocation, with these CDs counted as part of the bond allocation; the remainder of the bond allocation is in intermediate term bond index funds a...
by Hayden
Tue Dec 11, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: My PenFed 5 yr CDs are maturing
Replies: 35
Views: 2755

My PenFed 5 yr CDs are maturing

My PenFed 5 yr CDs are about to mature. They are set to renew in new 5 yr CDs at a rate of 3.5%. I have no need/plans for this money. I maintain a 50/50 allocation, with these CDs counted as part of the bond allocation; the remainder of the bond allocation is in intermediate term bond index funds at...
by Hayden
Mon Dec 10, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1026
Views: 109773

Re: [What TV Show Have You Recently Watched?]

Designated Survivor
The Marvelous Mrs Maisel

Loved them both, although they are completely different
by Hayden
Sun Dec 09, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 859
Views: 64689

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

I receive the Form 5498 each year by logging into my HSA Bank account and downloading the form. If I close the account at HSA Bank, how will I receive the form?

For those of you who closed the account, was there some setting for them to mail the form?
by Hayden
Sun Dec 09, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 859
Views: 64689

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

Still not done. Fidelity mailed the transfer form to HSA Bank. HSA Bank says they never received it. So, now my form, with SSN etc, is who knows where. Fidelity is re-mailing the form to them. Apparently the address Fidelity used is for overnight mail only, but Fidelity used regular mail so HSA Bank...
by Hayden
Sun Dec 02, 2018 10:35 am
Forum: Investing - Theory, News & General
Topic: Penfed raises certificate rates 12/1/18
Replies: 25
Views: 3146

Re: Penfed raises certificate rates 12/1/18

Thanks for posting. Mine are set to automatically reinvest in new 5 yr certificates. That is showing 3.5%. is that bad?
by Hayden
Wed Nov 28, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 859
Views: 64689

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

Final update: All assets transferred from HSA Bank to TDA without a hitch. No fee from TDA or HSA Bank. Hope others have a similar smooth experience... Congratulations! Any idea what is the secret sauce? I filled out the paperwork and submitted it exactly as directed by Fidelity, and mine has not g...
by Hayden
Tue Nov 27, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 859
Views: 64689

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

I submitted the transfers from HSA Bank and TD Ameritrade on the 16th, and they have not yet gone through. I used the process provided by Fidelity. Has anyone had a transfer actually completed? Can you report on what, if any, additional submissions were required to TDA and HSA Bank to complete the p...
by Hayden
Sun Nov 25, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: 2018 Business Tax Return Software
Replies: 3
Views: 335

Re: 2018 Business Tax Return Software

I've used TurboTax Business the last couple of years to do my 1120S. It is currently $119 on Amazon. I have no idea if it's any better than the others, but I will probably keep using it simply because I know what I need to do to get it to work for my situation.
by Hayden
Fri Nov 16, 2018 7:30 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 859
Views: 64689

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

Hayden, I don't know for sure whether or not you'd need to contact HSA Bank, but I plan on doing so. I can picture them charging their monthly fee for having less than $5000 with them until the total gets to the point where they report me as delinquent. I will budget about an hour for the call: 50 ...
by Hayden
Fri Nov 16, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon says TurboTax 2018 will be released November 12
Replies: 85
Views: 10112

Re: Amazon says TurboTax 2018 will be released November 12

https://www.fidelity.com/tax-information/turbotax-discount/overview I was looking at the Fidelity ‘discount’ page, not the not-yet-available free offer, and saw that I could “start now” and not pay until I file. Does this mean I can do all the analysis now on TurboTax and just wait to file until I ...
by Hayden
Fri Nov 16, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon says TurboTax 2018 will be released November 12
Replies: 85
Views: 10112

Re: Amazon says TurboTax 2018 will be released November 12

Looks like TurboTax Business is available now for $119. Anyone seen a better price? I may just go ahead and purchase it now.
by Hayden
Fri Nov 16, 2018 6:00 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 859
Views: 64689

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

I entered it all online - very clear instructions from Fidelity. The TD Ameritrade transfer went through. For HSA Bank, Fidelity provided the completed form as a PDF, told me to print, sign, and mail back to them along with a copy of my account statement. Question: does transferring all monies close...
by Hayden
Fri Nov 16, 2018 12:38 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 859
Views: 64689

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

You can electronically transfer cash up to the annual contribution limit. So if you transfer ftom HealthEquity to Fidelity at least annually, you will just be able to withdraw from HI and then electronically deposit with Fidelity without filling out any forms at all. Fidelity will then report it as...
by Hayden
Fri Nov 16, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 859
Views: 64689

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

Reporting back on my experience this morning...My Fidelity rep walked me through the process of transferring assets in kind from HSA Bank and TD Ameritrade. Everything accomplished online. I just needed to input account numbers and attach the most recent statement from both. Online signature accept...
by Hayden
Fri Nov 16, 2018 12:04 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 859
Views: 64689

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

Reporting back on my experience this morning...My Fidelity rep walked me through the process of transferring assets in kind from HSA Bank and TD Ameritrade. Everything accomplished online. I just needed to input account numbers and attach the most recent statement from both. Online signature accept...
by Hayden
Sun Oct 21, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Investing via LLC or S Corp - is there a self employment tax?
Replies: 6
Views: 468

Re: Investing via LLC or S Corp - is there a self employment tax?

For an S Corp, you pay social security and Medicare taxes on wages. So if you dont pay yourself wages, you won't pay these taxes. If your only receipts are capital gain and dividends, then I guess you would not pay yourself wages. Is that right? Yea, but irs may tell that the owner of the s corp sh...
by Hayden
Sun Oct 21, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Investing via LLC or S Corp - is there a self employment tax?
Replies: 6
Views: 468

Re: Investing via LLC or S Corp - is there a self employment tax?

For an S Corp, you pay social security and Medicare taxes on wages. So if you dont pay yourself wages, you won't pay these taxes. If your only receipts are capital gain and dividends, then I guess you would not pay yourself wages. Is that right?
by Hayden
Sat Oct 20, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Received strange letter from IRS
Replies: 14
Views: 2872

Re: Received strange letter from IRS

I got a similar letter when I revised my return for some added income. I had to take a little more rmds from a inherited ira. I was told this is normal and to not expect further correspondence. The letter is to tell you they are looking at the return. Did you revise your 1040? Or do some other stuf...
by Hayden
Sat Oct 20, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Received strange letter from IRS
Replies: 14
Views: 2872

Re: Received strange letter from IRS

How long ago did you file your 2017 return? Was it paper filed or e-filed? I have a vague memory of seeing one of these for a taxpayer when they had gone well past their normal processing cycle time. The return had been kicked to a review process (it may have been triggered by a specific entry or r...
by Hayden
Sat Oct 20, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Received strange letter from IRS
Replies: 14
Views: 2872

Received strange letter from IRS

I received a letter from the IRS that I don't understand. It references my 2017 Form 1040. It says: "We're working on your account. However, we need an additional 60 days to send you a complete response on what action we are taking on your account. We don't need any further information from you righ...
by Hayden
Thu Oct 11, 2018 4:55 pm
Forum: Investing - Theory, News & General
Topic: When Markets Tank, Do This - Jason Zweig
Replies: 5
Views: 2928

Re: When Markets Tank, Do This - Jason Zweig

Great! Thanks for posting!
by Hayden
Thu Oct 11, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781895

Re: U.S. stocks in freefall

Anyone have a hypothesis as to what in the world is causing the drop this week? One word answer: "fear" I'm hoping for continued "fear" through December so that my Roth conversions on Jan 2 will be at discount rates. I wouldn't necessarily call this a drop. "Heavy noise" would be more like it.... 8...
by Hayden
Thu Oct 11, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare premiums will be down an average of 1.5 percent next year
Replies: 39
Views: 4127

Re: Obamacare premiums will be down an average of 1.5 percent next year

With big variability.... mine are going up substantially
by Hayden
Thu Oct 11, 2018 10:11 am
Forum: Investing - Theory, News & General
Topic: This Time is Different
Replies: 30
Views: 5590

Re: This Time is Different

Banks and the investment industry compete to hold your money. By the "investment industry" I mean industries based on securities: stockbrokers, mutual funds, and financial advisors. When you liquidate stocks and hold cash, it is bad for the investment industry. Therefore, just about everybody in th...
by Hayden
Mon Oct 08, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: UPS mailbox experiences?
Replies: 14
Views: 789

Re: UPS mailbox experiences?

I have a UPS box, works great. When I travel for extended periods, I can call them and have them forward my mail to me.

UPS didn't work for me because I travel for long periods and they don't hold mail for more than 30 days. Sometimes I have the UPS box hold mail for longer than that.
by Hayden
Sun Oct 07, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Mechanics of running a one-person S-corp without an accountant
Replies: 7
Views: 883

Re: Mechanics of running a one-person S-corp without an accountant

I do it myself. TurboTax Business is easy to use. You can use it (and a related product from Intuit that comes with it) to file the W2, 1120S, and K-1. It sounds like you don't know the quarterly payroll forms that are required. I'm sure Paycheck gives you copies of everything. Take a look at what t...
by Hayden
Wed Oct 03, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: how difficult is Form 1116 (foreign tax credit)
Replies: 12
Views: 663

Re: how difficult is Form 1116 (foreign tax credit)

Once foreign dividends exceed $20k it gets complicated. Below that point, I think TurboTax handles it easily.
by Hayden
Wed Oct 03, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15990

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

Idaho is great, don't rule it out. And there is more to Idaho than Boise.
by Hayden
Wed Oct 03, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3521
Views: 1033498

Re: What Book Are You Currently Reading? Part VI

Currently reading Digital Helix. I'm interested in the subject of digital transformation. This book is good, but is leaving me wanting more. Anyone have a book they recommend on digital transformation?
by Hayden
Tue Oct 02, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement accounts and physician SCorps and Tax Reform
Replies: 87
Views: 7879

Re: Retirement accounts and physician SCorps and Tax Reform

Spirit Rider wrote:
Tue Oct 02, 2018 4:07 pm
Nothing changed in the tax reform with regard to the ability or steps necessary for an S-Corp shareholder-employee to take the self-employed health insurance deduction.
Thanks! i guess folks just haven't gotten around to putting this in the 2018 tax calculators.
by Hayden
Tue Oct 02, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Retirement accounts and physician SCorps and Tax Reform
Replies: 87
Views: 7879

Re: Retirement accounts and physician SCorps and Tax Reform

I've been running tax plans for 2018 using a few different calculators, and none of them included the self-employed health insurance deduction as a reduction to AGI. I have an S Corp. I believe that the health insurance (that is included as wages on my W2) is still deductible in 2018. Guessing that ...
by Hayden
Wed Sep 26, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: NYC weekend house: your experiences?
Replies: 18
Views: 2872

Re: NYC weekend house: your experiences?

I did this, although not in NY. Spent alot of time on logistics - need to keep two refrigerators and two pantries stocked. Need to do laundry at two places, clean two places, and do ongoing maintenance at two places.