Search found 70 matches

by grp2c
Tue Dec 18, 2018 4:14 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 717
Views: 50789

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

Just a quick post with my experience. TDA charged me $50 to transfer (all cash) to Fidelity. Today Fidelity informed me their updated instructions are that they do NOT reimburse that fee. Even though I had it in writing that it would be reimbursed, I'm out of luck. I'm not going to get my nose out ...
by grp2c
Wed Dec 12, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Did Vanguard correctly apply the wash sale rule?
Replies: 3
Views: 267

Re: Did Vanguard correctly apply the wash sale rule?

I'll try calling them. Not why they didn't just make 1 lot instead of 2 as they were both mutual funds exchanges. If they had, I don't think they would have made it a wash sale. In the end, will likely do livesoft's recommendation and sell the remaining shares of VLCAX in 2018. Currently, I have to ...
by grp2c
Wed Dec 12, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Did Vanguard correctly apply the wash sale rule?
Replies: 3
Views: 267

Did Vanguard correctly apply the wash sale rule?

See actual transactions below. On 11/19/18, I exchanged VFIAX to VLCAX and VTSAX to VLCAX. Vanguard created 2 different lots for the exchange. On 12/11/18, I sold 1 entire lot of VLCAX and part of the other lot. The entire lot sale created a wash sale of $341.64. The partial lot sale allowed a loss ...
by grp2c
Thu Nov 29, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 717
Views: 50789

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

Though, as a good Boglehead, one shouldn't be subject to short-term trading fees anyway... :wink: Unless you're tax loss harvesting in a taxable account which is a very prudent boglehead trait. Now that commission-free etf short term trading fees were eliminated maybe I'll transfer my vanguard taxa...
by grp2c
Wed Nov 28, 2018 2:34 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 717
Views: 50789

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

My customer service experience with fidelity has overall been pretty good but it's not the first time I've been disappointed.
by grp2c
Wed Nov 28, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 717
Views: 50789

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

An update on my TD/lively to fidelity ACATS transfer. I called fidelity last wednesday to restart the transfer after TD received the the letter of release from Lively. Called fidelity today to check on the status. Well fidelity did not restart the transfer. :annoyed So they restarted it today and sh...
by grp2c
Tue Nov 20, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 344
Views: 50922

Re: New HSA provider Lively offers investments for $30/yr fee

Just an update on my transfer. The in kind transfer from TD to fidelity was held up because TD needs a letter of release from lively. This has been requested and once approved I'll need to reinitiate the process on Fidelity's end.

Fidelity said they would reimburse the $50 TD transfer fee.
by grp2c
Sat Nov 17, 2018 12:54 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 344
Views: 50922

Re: New HSA provider Lively offers investments for $30/yr fee

I started the transfer of assets process at fidelity from my Lively/TD ameritrade HSA account. I plugged in the TD ameritrade account number (not Lively) and requested assets be moved in-kind. I noticed that the TD statement says LIVELY INC TR LIVELYHSA FBO "My name" I wonder if they will block the ...
by grp2c
Fri Nov 16, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 717
Views: 50789

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

HSA is not listed under "common compatible account types" when I select the transfer assets from another institution Click on 'More transfer options' located at the bottom right hand corner of the pop up. HSA not listed under "See compatible account examples". https://www.fidelity.com/customer-serv...
by grp2c
Fri Nov 16, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 717
Views: 50789

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 grp2c
Fri Nov 02, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Using drug discount coupons affecting deductible?
Replies: 26
Views: 1623

Re: Using drug discount coupons affecting deductible?

So insurers have started "copay accumulator programs". Here's a link. http://www.latimes.com/business/lazarus/la-fi-lazarus-healthcare-copay-accumulators-20180427-story.html I personally it is a fair program. It just means the amount of the coupon cannot reduce your deductible only the amount you ac...
by grp2c
Mon Oct 29, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: California municipal money market vs vanguard prime money market
Replies: 19
Views: 2482

Re: California municipal money market vs vanguard prime money market

I use Kevin M's shared google spreadsheet. Make a copy and plug in your own marginal state and federal tax rate. Thanks Kevin M.

https://docs.google.com/spreadsheets/d/ ... 1074987830
by grp2c
Mon Oct 22, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus more?
Replies: 38
Views: 4984

Re: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus mo

If you are premium status with fidelity then all ATM fees are reimbursed with the standard fidelity brokerage account. Core position options are SPAXX or FZFXX which earn more interest than the fdic insured core in the CMA. The cash manager feature on the CMA account is not available on the fidelity...
by grp2c
Mon Oct 22, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Ally online: Online Access Temporarily Blocked
Replies: 4
Views: 525

Re: Ally online: Online Access Temporarily Blocked

I tried logging in on Saturday night. But security code was not being sent to either phone or email. Called customer service and they said a big security update was going on and security codes were not being sent for a 4 hour period. Tried to log in today but online access was blocked from too many ...
by grp2c
Sat Oct 20, 2018 2:26 am
Forum: Investing - Help with Personal Investments
Topic: Question Regarding Five Year Rule for Roth IRA Withdrawals (Alan S. Please Help!)
Replies: 34
Views: 3084

Re: Question Regarding Five Year Rule for Roth IRA Withdrawals (Alan S. Please Help!)

I haven't been able to completely review the irs examples, but this Recapture Amount—Allocation Chart states "**Only include any contributions (usually Form 1099-R, box 5) that were taxable to you when made and rolled over to a Roth IRA." So I believe only contributions to Roth 401k prior to convers...
by grp2c
Wed Oct 10, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: No Touch ID on Vanguard's mobile app for Android
Replies: 11
Views: 1152

Re: No Touch ID on Vanguard's mobile app for Android

Fidelity App on android does not have touch id either
by grp2c
Wed Oct 10, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Best Checking/ System for Cash Management/ Sweeping?
Replies: 11
Views: 1500

Re: Best Checking/ System for Cash Management/ Sweeping?

I just transferred my checking to Fidelity. With a brokerage account, you can get an atm card, checkbook, and online bill bay. Core position is either SPAXX or FZFXX. At premium level in brokerage account all atm fees are reimbursed. Or there's a cash management account (CMA) which has an FDIC insur...
by grp2c
Sun Jun 10, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k - fidelity vs. vanguard
Replies: 20
Views: 2147

Re: Solo 401k - fidelity vs. vanguard

etrade has an in-plan roth rollover option, but apparently no option for aftertax non-roth contributions that I can see.

https://content.etrade.com/etrade/estat ... an_App.pdf
by grp2c
Fri Jun 08, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k - fidelity vs. vanguard
Replies: 20
Views: 2147

Re: Solo 401k - fidelity vs. vanguard

if you have a cash account at fidelity you can do electronic transfers into the cash account and then an over the phone transfer from the cash account to the solo 401k.
by grp2c
Mon Apr 30, 2018 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting (TLH) for tax-exempt bonds
Replies: 18
Views: 1938

Re: Tax loss harvesting (TLH) for tax-exempt bonds

Per Vanguard summary "Vanguard California Municipal Money Market Fund—designed only for California residents—seeks to provide federal and California state tax-exempt income and preserve shareholders’ principal investment by maintaining a share price of $1 ". Therefore you should not have a capital l...
by grp2c
Mon Apr 09, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Rules on using IRA money for child's education?
Replies: 22
Views: 2546

Re: Rules on using IRA money for child's education?

But for college IRA's are not very effective as even though you won't pay the 10% penalty you will still pay taxes on the earnings (for Roth) and entire withdrawal (traditional) at your marginal tax rate. You can withdrawal your Roth contributions tax and penalty free so there is that option. Ahh. ...
by grp2c
Wed Feb 28, 2018 1:36 am
Forum: Investing - Help with Personal Investments
Topic: How do I unwind this Wealthfront mess?
Replies: 75
Views: 11376

Re: How do I unwind this Wealthfront mess?

I just transferred my wealthfront account to fidelity. I then transferred some of the most highly appreciated stocks to a fidelity donor advised fund. I plan to use the 500 free trades over 2 years to sell all the individual stocks so I only have etfs.

https://rewards.fidelity.com/offers/ATP500free
by grp2c
Fri Feb 23, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Rules on using IRA money for child's education?
Replies: 22
Views: 2546

Re: Rules on using IRA money for child's education?

So since traditional ira and roth ira withdraws to pay for qualified higher education expenses are not subject to the 10% penalty, if you live in a state that does not allow a tax deduction for 529 contributions, given the restrictions on withdraws from a 529 should you choose to plan to use future ...
by grp2c
Thu Feb 08, 2018 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Mega /+ backdoor roth instead of 529
Replies: 16
Views: 1322

Re: Mega /+ backdoor roth instead of 529

miamivice, agreed, 529 would allow contributions + earnings to be withdrawn for college education expenses whereas mega/backdoor roth contributions would only allow the basis to be withdrawn if under 59.5. Depending on different individual's situations, a contributing to both a 529 and mega/backdoor...
by grp2c
Thu Feb 08, 2018 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Mega /+ backdoor roth instead of 529
Replies: 16
Views: 1322

Re: Mega /+ backdoor roth instead of 529

It is easy to make your ordinary back door non-taxable. Not so easy with the mega back door. Be sure you have a plan that can make that happen. Regarding the mega backdoor roth, just separate the earnings from the contributions. Send contributions to roth ira and earnings to traditional ira. If you...
by grp2c
Thu Feb 08, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Mega /+ backdoor roth instead of 529
Replies: 16
Views: 1322

Re: Mega /+ backdoor roth instead of 529

I was recently thinking about this strategy as well. I don't like the limitations placed on 529 plan withdraws. Currently, I have one previous taxable roth conversion in 2011 and I don't plan to have any taxable conversions in the near future. So following the roth withdraw rules, all my previous ro...
by grp2c
Thu Dec 28, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: HSA overcontributed by $2
Replies: 7
Views: 1740

Re: HSA overcontributed by $2

this website lists 2 options for dealing with excess contributions.

http://www.hsaedge.com/2016/11/06/how-t ... to-an-hsa/
by grp2c
Wed Dec 27, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: HSA overcontributed by $2
Replies: 7
Views: 1740

Re: HSA overcontributed by $2

this happened to me one year when the benefits department screwed up and over contributed. I found out you can just have the excess applied to the next calendar year. I would call the HSA provider and see if this is an option.
by grp2c
Fri Dec 22, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: [Pass-Thru Entities Questions Thread]
Replies: 141
Views: 12459

Re: Question about pass through income in new tax law

https://www.watsoncpagroup.com/SubS.pdf I'm confused by this example: "If Mr. Slate instead operates as a sole proprietor and earns $500,000 but does not pay any W-2 wages, his deduction is the lessor of 50% of the W-2 wages (or $0 in this example) or 20% of the $500,000. If he paid out $200,000 in ...
by grp2c
Mon Nov 27, 2017 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Timing Deadline for After-Tax Contributions??
Replies: 9
Views: 792

Re: Timing Deadline for After-Tax Contributions??

I had this same discussion with my TPA (Pinnacle) for my defined benefit/401k combo plan. Here is the response I received. On your aftertax election form put "after-tax contribution for an amount that is $54,000 - elective deferral up to the 402(g) limitation – your profit sharing contribution. Sinc...
by grp2c
Wed Oct 25, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 344
Views: 50922

Re: New HSA provider Lively offers investments for $30/yr fee

What are you guys going to put your HSA money in TD Ameritrade into? iShares Core S&P Total U.S. Stock Market ETF - ITOT looks like it could be an option at 0.03% ER I'll probably just buy Vanguard Total World Stock ETF and put my bond allocations elsewhere. I figure once a year $6.95 commission is...
by grp2c
Thu Oct 19, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Separate Roth IRA accounts for the backdoor and the mega backdoor?
Replies: 11
Views: 1292

Re: Separate Roth IRA accounts for the backdoor and the mega backdoor?

I live in CA and I plan to use separate roth ira accounts for the backdoor vs the mega backdoor due to differences in creditor protection in CA. Funds in an IRA that are traceable to qualified plans have better creditor protection than regular IRA assets.

https://udirectira.com/592-2rollover/
by grp2c
Thu Oct 12, 2017 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Anesthesiologist Advise [how to save money]
Replies: 45
Views: 6996

Re: Anesthesiologist Advise [how to save money]

37 yo socal 1099 anesthesiologist here. OP, I was in your same shoes 5 years ago except with 140k student debt. Excellent advice in some of the posts above. Here's some more advice that I have used: -Ask for an interest free loan from your billing company that is secured against your accounts receiv...
by grp2c
Tue Oct 03, 2017 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Alliant/SaveDaily HSA closing and state taxes
Replies: 4
Views: 546

Re: Alliant/SaveDaily HSA closing and state taxes

Sorry I should have explained further. HSA accounts are not tax advantaged in CA with regards to state taxes. CA treats HSA accounts just like a taxable account.
by grp2c
Tue Oct 03, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Alliant/SaveDaily HSA closing and state taxes
Replies: 4
Views: 546

Alliant/SaveDaily HSA closing and state taxes

Alliant credit union is closing their HSA service. Currently my investments with Alliant credit union are held at SaveDaily. Investments will be liquidated and assets will be transferred to Healthequity HSA at the end of the month. I would like to transfer my investments "in kind" to another HSA pro...
by grp2c
Wed Sep 27, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: Inverse roth conversion strategy (not roth recharacterization)
Replies: 4
Views: 830

Re: Inverse roth conversion strategy (not roth recharacterization)

So thinking about my strategy some more, I realize that moving aftertax money into pretax may not be advantageous in the long run due to the mechanics of the DB plan. However, moving taxable money into pretax or aftertax space probably is. Currently, I plan to max out the pretax and aftertax space w...
by grp2c
Tue Sep 26, 2017 7:33 pm
Forum: Investing - Theory, News & General
Topic: Inverse roth conversion strategy (not roth recharacterization)
Replies: 4
Views: 830

Re: Inverse roth conversion strategy (not roth recharacterization)

Thank you. Yes your analysis simplifies the decision on whether to use roth or taxable assets to fund pretax contributions. I agree with figuring out the cash flow so I'm not contributing to the roth just to remove the assets the following year to fund the pretax account. The challenge I might face ...
by grp2c
Tue Sep 26, 2017 5:53 pm
Forum: Investing - Theory, News & General
Topic: Inverse roth conversion strategy (not roth recharacterization)
Replies: 4
Views: 830

Inverse roth conversion strategy (not roth recharacterization)

I have been maxing out my solo 401k consistently every year, so I am in the process of setting up a defined benefit + 401k combo plan which allows aftertax non roth contributions along with in-service distributions (mega backdoor roth ira). This along with a backdoor roth and HSA is probably the hol...
by grp2c
Mon Jul 03, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Best Playstation 4 Games for Beginners?
Replies: 28
Views: 5369

Re: Best Playstation 4 Games for Beginners?

+1 on the uncharted series and last of us. I don't own a PS. I just borrowed a friend's PS and those are the only games I played. I don't like overly complicated games.
by grp2c
Fri Jun 16, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 11131

Re: AAA Cost

anyone try the roadside dispatch benefit offered by visa

https://usa.visa.com/support/consumer/c ... its.html#2
by grp2c
Sun Jun 04, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor via Solo 401k
Replies: 14
Views: 1428

Re: Backdoor via Solo 401k

Spirit Rider wrote: There is a workaround.

You can open a Fidelity Cash Management account in the name of the business. Then you can ACH funds into that account and make Self-employed 401k contributions by phone from the businesses Cash Management account.

This is exactly what I do.
by grp2c
Sun Jun 04, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Mobile phone SIM advice for multiple countries in Europe
Replies: 30
Views: 2898

Re: Mobile phone SIM advice for multiple countries in Europe

+1 for project fi. It worked fairly well in iceland. If you just need wifi calling you could check out republic wireless.
by grp2c
Sun Jun 04, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: New laptop needed, any ideas?
Replies: 24
Views: 2683

Re: New laptop needed, any ideas?

I have a macbook air currently. If you mainly use your computer to browse the internet and/or light word processing you could probably get away with just having a chromebook with google drive. I just ordered a samsung chromebook pro.
by grp2c
Fri Sep 16, 2016 12:27 am
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 15400

Re: Favorite Coffee

Joshua tree coffee company. the 1st roast.

http://jtcoffeeco.com/
by grp2c
Fri Jul 15, 2016 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Solo 401K Question
Replies: 4
Views: 444

Re: Solo 401K Question

I have a fidelity solo 401k and I am happy with it. I invest in fidelity index funds (previously spartan funds) in the account. Fidelity just lowered the expense ratios on their index funds. I use vanguard and schwab etfs to tax loss harvest in my taxable account. It's nice that the fidelity funds t...
by grp2c
Tue Jun 28, 2016 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Does a mortgage loan officer have a fiduciary duty?
Replies: 3
Views: 820

Re: Does a mortgage loan officer have a fiduciary duty?

I would be more upset about them missing the deadline. But, it sounds like that's not an issue. Definitely, frustrated with the missed deadline as well. Fortunately, the sellers are not pushing to remove the contingency. Did read that mortgage brokers have a fiduciary duty but it doesn't seem that ...
by grp2c
Tue Jun 28, 2016 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Does a mortgage loan officer have a fiduciary duty?
Replies: 3
Views: 820

Does a mortgage loan officer have a fiduciary duty?

I'm buying a house right now and I'm in escrow. BOA mortgage loan officer told the sellers agent that the appraisal came back higher than the agreed purchase price and BOA failed to deliver the loan commitment letter by the agreed upon deadline. Both of these actions put me in a worse position regar...
by grp2c
Sat Apr 30, 2016 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: landlord problem
Replies: 29
Views: 3750

Re: landlord problem

review your lease contract. In california there is "an implied warranty of habitability in all rental agreements" I was renting an apt. that had a significant mold problem, so I broke the lease and moved out.

http://www.dca.ca.gov/publications/land ... tenant.pdf
by grp2c
Mon Jan 25, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: Planning South Africa trip in August with young children
Replies: 14
Views: 1373

Re: Planning South Africa trip in August with young children

How close were you to the larger animals? If they were distant, I worry my kids will be disengaged. I was just in Chobe in Botswana and felt they were often a bit too distant, at least compared to what I'v experienced in east Africa. We had lions, hyenas, giraffe, elephant, buffalo, leopard, wild d...
by grp2c
Sun Jan 24, 2016 4:51 pm
Forum: Personal Consumer Issues
Topic: Planning South Africa trip in August with young children
Replies: 14
Views: 1373

Re: Planning South Africa trip in August with young children

I went to South Africa last sept on my honeymoon for 3 weeks. We had an amazing time. We flew into Joburg and then drove to North Kruger. We alternated staying at private lodges and rest camps over 12 days driving south through Kruger. We then drove back to Joburg and flew to Port Elizabeth. We stay...