Search found 617 matches

by theplayer11
Thu Jan 17, 2019 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: HSA provider good for investment for individual account
Replies: 17
Views: 922

Re: HSA provider good for investment for individual account

I am very interested in the Fidelity HSA. We currently have no assets invested at Fidelity (most are at Vanguard, with an HSA at Saturna). In an earlier Bogleheads thread, it was mentioned that there is a $12 per quarter fee at fidelity ($48 per year) for those that have less than $250K in assets a...
by theplayer11
Thu Jan 17, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 13
Views: 1794

Re: Is My Iphone Now a Brick?

why didn't you just reset the password?
https://appleid.apple.com/#!&page=signin
by theplayer11
Thu Jan 17, 2019 9:03 am
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 166
Views: 44729

Re: my review of my HSA with Saturna brokerage

decided to transfer from Saturna to Fidelity. I requested my entire balance of $75k to be sent ACH to my linked bank on Friday 1/11. Funds were in my bank account Monday 1/14. I mailed a check with deposit slip(checking the 60 day rollover box) to Fidelity. Hasn't posted yet, but should today or tom...
by theplayer11
Tue Jan 15, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2720

Re: School staff threatened to call social worker

GmanJeff wrote:
Tue Jan 15, 2019 5:16 pm
Go when school is not in session.
bull..learn more than sitting in a classroom
by theplayer11
Tue Jan 15, 2019 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401(k) - Separate EIN Should Be Used for 5500EZ Filing
Replies: 12
Views: 633

Re: Solo 401(k) - Separate EIN Should Be Used for 5500EZ Filing

After researching a bit, I found an article explaining how to get an EIN for a i401k. It links to the IRS EIN application page. First question is legal structure where you are instructed to check "additional types". On next page there is an option to check "employer plan 401k". The next page it want...
by theplayer11
Mon Jan 14, 2019 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA vs Solo 401k - What am I not getting?
Replies: 28
Views: 1018

Re: SEP IRA vs Solo 401k - What am I not getting?

If I understand correctly, the solo 401k is better than a SEP IRA in nearly every way. Particularly with contribution limits. So why would anyone open a SEP IRA? Or am I missing something? I don't think you are missing anything. I do not understand why SEP IRA's exist. Because some of us opened SEP...
by theplayer11
Mon Jan 14, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA vs Solo 401k - What am I not getting?
Replies: 28
Views: 1018

Re: SEP IRA vs Solo 401k - What am I not getting?

knightrider wrote:
Mon Jan 14, 2019 12:10 pm
If I understand correctly, the solo 401k is better than a SEP IRA in nearly every way. Particularly with contribution limits. So why would anyone open a SEP IRA? Or am I missing something?
depends on how many employees the employer has. How about a family business with wife and a few children.
by theplayer11
Mon Jan 14, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Experience with HSA to HSA trustee transfer?
Replies: 41
Views: 1834

Re: Experience with HSA to HSA trustee transfer?

requested full account balance withdrawal from Saturna on Friday via ACH, it's in my BOA account this morning.
by theplayer11
Sun Jan 13, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 68
Views: 3808

Re: Brake fluid replacement?

I have a 2003 Honda with 277K. I service it myself and about every 2 years I use a turkey baster to suck out the old fluid from resoivoir and I replace it wil new clean fluid up to the Fill line. It's costs $2 and works great for me. Good Luck. When you change your oil (assuming 4 quarts), do you d...
by theplayer11
Sun Jan 13, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 68
Views: 3808

Re: Brake fluid replacement?

I have a 2003 Honda with 277K. I service it myself and about every 2 years I use a turkey baster to suck out the old fluid from resoivoir and I replace it wil new clean fluid up to the Fill line. It's costs $2 and works great for me. Good Luck. When you change your oil (assuming 4 quarts), do you d...
by theplayer11
Sun Jan 13, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: 15 full days in Costa Rica
Replies: 25
Views: 1830

Re: 15 full days in Costa Rica

charter fishing, off shore and in shore
by theplayer11
Sun Jan 13, 2019 11:22 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4043
Views: 1101293

Re: What Movie Have You Recently Watched?

regarding Bird Box ....I find most sci fi that the main stream likes is pretty bad IMO. This was really hyped and had very little substance.
by theplayer11
Sun Jan 13, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9680

Re: Disciplined with finances, but not so with diet

I lost 40 lbs 5 years ago and have kept it off. My method was simple, eat healthy foods and healthy snacks between meals, never wait until hungry. I exercise some, but it was the diet change that made the big difference for me. Having a wife that cooks only healthy meals is a huge plus :D
by theplayer11
Sat Jan 12, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9680

Re: Disciplined with finances, but not so with diet

300 calories for breakfast. Egg McMuffin. 560 calories for lunch. Big Mac. 900 calories for dinner. Chick-Fil-A sandwich and fries. Coffee, diet sodas or water to drink. I lost 40 pounds eating mainly fast food. There are better, more nutritious ways, of course, but it's really easy to keep track o...
by theplayer11
Fri Jan 11, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with HSA to HSA trustee transfer?
Replies: 41
Views: 1834

Re: Experience with HSA to HSA trustee transfer?

Called Saturna today and had my entire balance of about $75k sent via ACH to my linked bank account. I didn't even realize I had a bank linked and was expecting a check in the mail :happy . I will now write check to Fidelity in the same amount along with their deposit form checking the 60 day rollov...
by theplayer11
Fri Jan 11, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with HSA to HSA trustee transfer?
Replies: 41
Views: 1834

Re: Experience with HSA to HSA trustee transfer?

Okay my custodian says they transfer a $25 fee no matter what. I am a bit worried about withdrawing most of the HSA balance into my personal Chase checking account --- I don't want to be penalized -- But you're saying I essentially do that, then essentially write a check of the full amount from my ...
by theplayer11
Thu Jan 10, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Rollover Form
Replies: 9
Views: 620

Re: Fidelity HSA Rollover Form

papiper wrote:
Thu Jan 10, 2019 8:09 am
I used the link in the second post.
That would be to transfer assets, but there is a $75 transfer out fee from Saturna. You can request a check and then do a 60 day rollover...no fees.
by theplayer11
Thu Jan 10, 2019 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Rollover Form
Replies: 9
Views: 620

Re: Fidelity HSA Rollover Form

Drew31 wrote:
Wed Jan 09, 2019 11:05 pm
Can you provide link to form you used? I was all over website trying to find forms and got lost...
I was told to use the standard deposit slip
https://www.fidelity.com/bin-public/060 ... t-slip.pdf
by theplayer11
Wed Jan 09, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Rollover Form
Replies: 9
Views: 620

Re: Fidelity HSA Rollover Form

It's under online forms and applications. https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/transfer-assets-to-fidelity.pdf thanks, but I don't want to do a transfer of assets. I called in, it's actually just their basic deposit form, just check 60 day rollover. Ni...
by theplayer11
Wed Jan 09, 2019 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Rollover Form
Replies: 9
Views: 620

Fidelity HSA Rollover Form

Anyone know where to locate? I checked the form page and do not see it. My plan is to rollover my HSA from Saturna to avoid the $75 transfer out fee.
by theplayer11
Wed Jan 09, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard quick to close accounts
Replies: 17
Views: 2423

Re: Vanguard quick to close accounts

Why not leave a small balance in the vanguard account? Going through the Merrell Edge site, I believe the simplest way was to check transfer entire assets. No where did it state that the account would be closed if I did this. No big deal, just thought it was odd to close the account. Again, if Merr...
by theplayer11
Wed Jan 09, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard quick to close accounts
Replies: 17
Views: 2423

Re: Vanguard quick to close accounts

Blame Vanguard all you want. I moved the contents of my Fidelity brokerage account to Vanguard last year. It took several tries mostly due to issues on the Fidelity side. Fidelity told me that I would need to call them AFTER the account emptied to have them then reopen it. I did, but they couldn't ...
by theplayer11
Wed Jan 09, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard quick to close accounts
Replies: 17
Views: 2423

Re: Vanguard quick to close accounts

I requested the transfers from the Merrell Edge website exactly the same for both my Vanguard and Schwab accounts. My Schwab accounts remain open, Vanguard's closed as of this morning. There are no accounts visible and rep stated they were closed.
by theplayer11
Wed Jan 09, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard quick to close accounts
Replies: 17
Views: 2423

Vanguard quick to close accounts

So I had assets transferred to Merrill Edge from Vanguard last week, a Roth and a joint brokerage account. I called in yesterday and told the rep to keep my joint brokerage account open as I would be transferring assets in from another institution. I was told no problem and the restriction I had an ...
by theplayer11
Mon Jan 07, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Online savings accounts for BUSINESS? (not personal)
Replies: 12
Views: 696

Re: Online savings accounts for BUSINESS? (not personal)

andyandyandy wrote:
Mon Jan 07, 2019 3:20 pm
Well...TD Bank is offering >2% and same with Wells Fargo.
Why to go BoFA?
Merrill Edge, everything under the same roof. I don't keep a lot in business account
by theplayer11
Mon Jan 07, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Online savings accounts for BUSINESS? (not personal)
Replies: 12
Views: 696

Re: Online savings accounts for BUSINESS? (not personal)

andyandyandy wrote:
Mon Jan 07, 2019 3:04 pm
theplayer11 wrote:
Mon Jan 07, 2019 2:48 pm
I use BOA because I have personal there and just moved retirement to Merrill Edge. It's nice having everything on 1 website.
I did not find BoFA having good rates for business savings or CD.
Any pointers?
nope, savings rates are bad...that is true
by theplayer11
Mon Jan 07, 2019 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Online savings accounts for BUSINESS? (not personal)
Replies: 12
Views: 696

Re: Online savings accounts for BUSINESS? (not personal)

I use BOA because I have personal there and just moved retirement to Merrill Edge. It's nice having everything on 1 website.
by theplayer11
Sun Jan 06, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2584

Re: Carryon for 7-day FL vacation?

Don't get crazy here. You are going to FL. Forget the carryon. Check your bag. You can still pack smartly and check the bag. So many flights I have flown and did have bag lost (then delivered) and it was a pain in the but, but it came through. Chances of a lost bag are very very small. Plus, you ar...
by theplayer11
Sun Jan 06, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2584

Re: Carryon for 7-day FL vacation?

but I need clean clothes I would argue that by packing light, my clothes are much cleaner than yours. I pack 3-4 shirts, regardless of the length of the trip, and I wash whatever I was wearing that day (with the exception of jeans) every single evening, so at no point do I ever carry around dirty c...
by theplayer11
Sat Jan 05, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2584

Re: Carryon for 7-day FL vacation?

michaeljc70 wrote:
Sat Jan 05, 2019 8:18 pm
To those that travel 7+ days with a carry on, do you buy your liquids upon arrival or when you run out? In a quart bag I can't carry more than a few days worth of liquids (mouthwash, shaving cream, sunscreen, toothpaste, etc.).
I use hotel provided items along with what I bring(minimal)
by theplayer11
Sat Jan 05, 2019 7:25 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2584

Re: Carryon for 7-day FL vacation?

My wife and I usually check one bag between us on most trips. We carry on a laptop and maybe some reading material. I don't want TSA going through our clothes and consider the $50 round trip check baggage fee worth it. TSA agents search many bags during their shift and they usually change their glo...
by theplayer11
Sat Jan 05, 2019 5:50 pm
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 73
Views: 3809

Re: 11 days in Europe...Budget and logistical advice please

Venice is a known famous tourist trap, I would skip it. Not much going on in Switzerland. I would rather go to Amsterdam, Prague and Budapest. Go to the library and get the city guides by Rick Steves (e.g. https://www.amazon.com/Rick-Steves-Paris-2018/dp/1631216678/ref=sr_1_4?ie=UTF8&qid=1546640407...
by theplayer11
Sat Jan 05, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2584

Re: Carryon for 7-day FL vacation?

Keepcalm wrote:
Sat Jan 05, 2019 2:18 pm
Am I dreaming to think I can get away with a carryon?
lol...we use carry ons for 2 week European vacations in the Winter
by theplayer11
Thu Jan 03, 2019 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Autistic sister being targeted by Nigerian scammers
Replies: 84
Views: 6605

Re: Autistic sister being targeted by Nigerian scammers

horrible situation..no specific advise, but I would be very concerned about the scammers going after your parents assets somehow. I'm sure they must know as they would have asked your sister.
by theplayer11
Wed Jan 02, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4043
Views: 1101293

Re: What Movie Have You Recently Watched?

bengal22 wrote:
Wed Jan 02, 2019 9:38 am
theplayer11 wrote:
Wed Jan 02, 2019 9:29 am
.
Why did Sandra Bullock look like Michael Jackson?
Because it was a "thriller."
:sharebeer :sharebeer :sharebeer
by theplayer11
Wed Jan 02, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4043
Views: 1101293

Re: What Movie Have You Recently Watched?

Bird Box..don't get the hype. So why did some who were exposed to the "demons" not commit suicide, but went on a crusade to get everyone else to see the demons? never explained. What were the demons...never explained, except vaguely by the grocery store worker. Why did Sandra Bullock look like Micha...
by theplayer11
Tue Jan 01, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Snow Plowing
Replies: 54
Views: 2499

Re: Snow Plowing

fairly long driveway, I have it plowed...usually just needs it 2-3 times a year. SUVs come in handy
by theplayer11
Tue Jan 01, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Dry January 2019
Replies: 8
Views: 1237

Re: Dry January 2019

3 is a bit heavy...maybe cut back to 1 drink, but savor it :D
by theplayer11
Tue Jan 01, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 903
Views: 232792

Re: Share your net worth progression

I don't track real estate as part of net worth because that's going to the kids, but glad to see our retirement nest egg's first digit has been different the last 4 years :D
by theplayer11
Sat Dec 29, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Ticket for speeding
Replies: 66
Views: 5357

Re: Ticket for speeding

I'm pretty frugal, but I've never fought a ticket where I knew I was at fault. You can't preach personal responsibility then try to weasel out of paying a fine you deserve. This is what I mean by morality. You don't "deserve" anything. First understand is that the traffic system is a money generato...
by theplayer11
Sat Dec 29, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 903
Views: 232792

Re: What is your Year 2018 networth change?

don't track net worth because my properties go to my kids...will never sell.
by theplayer11
Sat Dec 29, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Amex rewards dollars for closed account?
Replies: 25
Views: 776

Re: Amex rewards dollars for closed account?

they will go bye bye..transfer before you close
by theplayer11
Sat Dec 29, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Ticket for speeding
Replies: 66
Views: 5357

Re: Ticket for speeding

I'm pretty frugal, but I've never fought a ticket where I knew I was at fault. You can't preach personal responsibility then try to weasel out of paying a fine you deserve.
by theplayer11
Fri Dec 28, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: not funding kid's tuition
Replies: 102
Views: 3332

Re: not funding kid's tuition

Our philosophy was that we brought our kids into this world so we should educate them to the best of our abilities.
by theplayer11
Fri Dec 28, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Schwab partial share liquidation fees
Replies: 13
Views: 580

Re: Schwab partial share liquidation fees

update...the fees vanished as of this morning, didn't have to call in.
by theplayer11
Thu Dec 27, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab partial share liquidation fees
Replies: 13
Views: 580

Re: Schwab partial share liquidation fees

It's possibly a broker (as in a human) trade fee. Fidelity was at least kind enough to warn me that I am better off liquidating myself. yes, but this was an in kind transfer. Only whole shares are transferred in kind. The partial shares left in each ETF were then sold and I was charged a broker ass...
by theplayer11
Thu Dec 27, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab partial share liquidation fees
Replies: 13
Views: 580

Re: Schwab partial share liquidation fees

Just a heads up..Schwab is charging me $29.95 for each partial share liquidation(5 etfs) of ETFs that I recently transferred to Merrill Edge, on top of their $50 account transfer out fee. Wife too. I will call tomorrow, but I don't think they will be too sympathetic as I'm transferring 4 accounts o...
by theplayer11
Thu Dec 27, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab partial share liquidation fees
Replies: 13
Views: 580

Schwab partial share liquidation fees

Just a heads up..Schwab is charging me $29.95 for each partial share liquidation(5 etfs) of ETFs that I recently transferred to Merrill Edge, on top of their $50 account transfer out fee. Wife too. I will call tomorrow, but I don't think they will be too sympathetic as I'm transferring 4 accounts ou...