Bogleheads.org

grp2c

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 ...

grp2c

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 ...

grp2c

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 ...

grp2c

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...

grp2c

My customer service experience with fidelity has overall been pretty good but it's not the first time I've been disappointed.

grp2c

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...

grp2c

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.

grp2c

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 ...

grp2c

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...

grp2c

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...

grp2c

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...

grp2c

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

grp2c

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...

grp2c

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 ...

grp2c

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...

grp2c

Fidelity App on android does not have touch id either

grp2c

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...

grp2c

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

grp2c

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.

grp2c

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...

grp2c

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. ...

grp2c

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

grp2c

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 ...

grp2c

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...

grp2c

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...

grp2c

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...

grp2c

this website lists 2 options for dealing with excess contributions.

http://www.hsaedge.com/2016/11/06/how-t ... to-an-hsa/

grp2c

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.

grp2c

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 ...

grp2c

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...

grp2c

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...

grp2c

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/

grp2c

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...

grp2c

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.

grp2c

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...

grp2c

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...

grp2c

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 ...

grp2c

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...

grp2c

+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.

grp2c

anyone try the roadside dispatch benefit offered by visa

https://usa.visa.com/support/consumer/c ... its.html#2

grp2c

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.

grp2c

+1 for project fi. It worked fairly well in iceland. If you just need wifi calling you could check out republic wireless.

grp2c

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.

grp2c

Joshua tree coffee company. the 1st roast.

http://jtcoffeeco.com/

grp2c

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...

grp2c

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 ...

grp2c

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...

grp2c

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

grp2c

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...

grp2c

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...

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