Search found 274 matches

by veggivet
Sat Nov 17, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 253
Views: 16388

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

HSA Bank allowed me to request a transfer of my entire cash balance to TD Ameritrade. I'll know Monday if it went through without any issues.
by veggivet
Sat Nov 17, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: How did I miss this? Roth 401K
Replies: 9
Views: 1696

Re: How did I miss this? Roth 401K

Assets held in a ROTH 401k are subject to RMDs. Assets held in a ROTH IRA are not. Once you are no longer contributing to a ROTH 401k, you can roll it over into a ROTH IRA to avoid it being included in your RMD calculations.
by veggivet
Fri Nov 16, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 253
Views: 16388

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 m...
by veggivet
Fri Nov 16, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: iShares ETFs in Fidelity SIMPLE IRA?
Replies: 6
Views: 461

Re: iShares ETFs in Fidelity SIMPLE IRA?

I have a SIMPLE IRA with Fidelity, and have broad access to numerous commission-free, low expense ETFs. You will, too...
by veggivet
Fri Nov 16, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 253
Views: 16388

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

I just received a secure message from my Fidelity rep: He said that the assets from TD Ameritrade will come over online, but HSA Bank requires a hand signature for their TOA form. Fidelity is overnighting that document to me, and providing an overnight mailer for me to use for return.
by veggivet
Fri Nov 16, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 253
Views: 16388

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

Just posting this to clarify a previous post that mentioned APEX level at TDA. The tiered system vanished after they merged with Scott-Trade earlier this year, so I may be hit with an account closure fee.
by veggivet
Fri Nov 16, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 253
Views: 16388

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 veggivet
Fri Nov 16, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 253
Views: 16388

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

[/quote]

HSA is not listed under "common compatible account types" when I select the transfer assets from another institution
[/quote]

Click on 'More transfer options' located at the bottom right hand corner of the pop up.
by veggivet
Fri Nov 16, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 253
Views: 16388

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

I submitted the transfer application this morning. I'll update if/when everything clears. With respect to TDA charging a $75 closure fee, I won't be able to comment on that since I am APEX level client with them...
by veggivet
Fri Nov 16, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: One food I could never give up
Replies: 33
Views: 1619

Re: One food I could never give up

There is no food I could never give up. Heck I could even give up water, just switch to meade like in colonial days. A food that would be tough for me to give up would be cheese. I've tried many a diet, and have been mostly Paleo the last few years, but I have tried several times to remove cheese a...
by veggivet
Fri Nov 16, 2018 11:21 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 253
Views: 16388

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

I didn't ask my rep about selling my Vanguard ETFs on the Fido side as I just plan on holding them...if you want/need to sell, my experience has been that they're usually OK with crediting back commissions as long as you don't ask them to comp too many.
by veggivet
Fri Nov 16, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 253
Views: 16388

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

:annoyed :annoyed :annoyed I spoke with TWO HSA reps who ASSURED me in-kind transfers could not be done. So I liquidated to cash. I had a feeling these people did not know what they were talking about. It's a little late for me - but can you please tell me the process you completed for in-kind trans...
by veggivet
Fri Nov 16, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 253
Views: 16388

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 accepte...
by veggivet
Thu Nov 15, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 253
Views: 16388

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

Good info, exigent! Any way to avoid the $25 account closure fee from HSA Bank?
by veggivet
Thu Nov 15, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 253
Views: 16388

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

I doubt any of the current HSA providers will change their fee structure in response to this move by Fidelity...
by veggivet
Thu Nov 15, 2018 2:55 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 253
Views: 16388

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

Can anyone confirm on in-kind transfer to Fidelity HSA? I was told yes by a representative, but I see someone else posted here that it is not allowed I just got off the phone with an HSA specialist at Fidelity who said in-kind transfers not allowed. Equity/bond holdings must be sold prior to transf...
by veggivet
Thu Nov 15, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 253
Views: 16388

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

As previously noted by posters in this thread, certain states do consider the sales taxable.
by veggivet
Tue Nov 13, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Coverdell to 529 rollover and 365-day rule
Replies: 6
Views: 339

Re: Coverdell to 529 rollover and 365-day rule

This is an excellent option for those who have accounts where the beneficiary is approaching 30 and doesn't have any children yet.
by veggivet
Mon Nov 12, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 253
Views: 16388

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

I predict Fidelity will not charge any monthly fees to these accounts.
by veggivet
Mon Nov 12, 2018 3:01 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 253
Views: 16388

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

My advisor confirmed the rumor, but said that he couldn't discuss any details until the 15th.
by veggivet
Mon Nov 12, 2018 1:01 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 253
Views: 16388

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

For those who may be considering transferring from HSA Bank to Fidelity, it looks like you'd need to liquidate all holdings to cash in order to complete the transfer. It doesn't appear that HSA Bank is set up to transfer assets in kind... I don't believe that is true. The assets are held with TD Am...
by veggivet
Mon Nov 12, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 253
Views: 16388

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

For those who may be considering transferring from HSA Bank to Fidelity, it looks like you'd need to liquidate all holdings to cash in order to complete the transfer. It doesn't appear that HSA Bank is set up to transfer assets in kind...
by veggivet
Mon Nov 12, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 253
Views: 16388

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

If this information is accurate and Fidelity doesn't charge any fees for clients with over 250k in assets with them, I think it is a no brainer. I wonder if Fidelity will cover any account closure charges that may be incurred by moving the HSA to them. I see this move as a way to broaden their produ...
by veggivet
Wed Oct 10, 2018 8:29 am
Forum: Investing - Help with Personal Investments
Topic: HSA Bank Investment options
Replies: 4
Views: 284

Re: HSA Bank Investment options

I use TD Ameritrade for my HSA through HSA Bank. Although they used to offer commission-free trading for many Vanguard ETFs, their current menu offers numerous choices of commission-free ETFs/mutual funds that are still consistent with a Boglehead philosophy.
by veggivet
Wed Sep 19, 2018 6:39 am
Forum: Investing - Help with Personal Investments
Topic: HSA investment plan
Replies: 11
Views: 1162

Re: HSA investment plan

With a 30 year time horizon, I would put it all into equities. Over that time span, you should come out way ahead over a 100% bond portfolio. Just my .02.
TDA has several commission-free, low cost stock market index funds to choose from.
by veggivet
Tue Sep 18, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Inexpensive source for greeting cards?
Replies: 27
Views: 1645

Re: Inexpensive source for greeting cards?

Local second hand store where I buy most of my clothing has cards for a dime apiece.
by veggivet
Mon Sep 17, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 4645

Re: WSJ print edition renwal time - any discounts?

Guys - your local library has a subscription to WSJ. You can read it online with an app any time you want for free. Nothing could be more bogleheady, except the Luddites. I like to do the crosswords and other puzzles they have in the Saturday edition. I think the library would frown upon that, even...
by veggivet
Sun Sep 16, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 4645

Re: WSJ print edition renwal time - any discounts?

The e-rewards program I was doing no longer offers WSJ on their rewards menu...
by veggivet
Sun Sep 16, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 4645

Re: WSJ print edition renwal time - any discounts?

I also prefer the print edition, and I was able to renew last October at around $140 for the year. We'll see how much they try to increase that next month when my renewal comes due. How were you able to swing the $140 renewal rate??? David I just asked the rep what was the lowest rate they could of...
by veggivet
Sat Sep 15, 2018 7:48 pm
Forum: Investing - Theory, News & General
Topic: DOW [Closing price on Sep 14, 2018]
Replies: 15
Views: 2690

Re: DOW [Closing price on Sep 14, 2018]

I think we've seen the highs of the year at this point in all indexes...
by veggivet
Sat Sep 15, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 4645

Re: WSJ print edition renwal time - any discounts?

I also prefer the print edition, and I was able to renew last October at around $140 for the year. We'll see how much they try to increase that next month when my renewal comes due.
by veggivet
Wed Sep 12, 2018 6:38 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 61
Views: 4293

Re: Fidelity, Schwab, or Vanguard

Fido: Lowest cost structure and best customer service.
by veggivet
Mon Sep 10, 2018 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: AA for a 3 year old and 5 year old for 529
Replies: 15
Views: 1323

Re: AA for a 3 year old and 5 year old for 529

With that time horizon, go 110% stocks if you can... :D
by veggivet
Fri Jul 27, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Millions of LifeLock email addresses may have been exposed
Replies: 17
Views: 1747

Re: Millions of LifeLock email addresses may have been exposed

I thought this was a headline from The Onion...
by veggivet
Wed Jul 25, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: Hearing aids
Replies: 29
Views: 3468

Re: Hearing aids

Can HSA funds be used to pay for hearing aids?
by veggivet
Tue May 22, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Roth IRA contributions during semi-retirement?
Replies: 14
Views: 891

Re: Roth IRA contributions during semi-retirement?

Absolutely! I also convert as much as I can from my TIRA into my Roth to fill up the lowest tax bracket in an effort to reduce my RMDs which will start in 12 years.
by veggivet
Sat Apr 28, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: WSJ/Zweig - Value Should Do Better. But When Is Anybody’s Guess
Replies: 12
Views: 1602

Re: WSJ/Zweig - Value Should Do Better. But When Is Anybody’s Guess

Thanks, DRK. Indeed, ER is .04%. For some reason the ER on CNBC.com is incorrect.
by veggivet
Sat Apr 28, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: WSJ/Zweig - Value Should Do Better. But When Is Anybody’s Guess
Replies: 12
Views: 1602

Re: WSJ/Zweig - Value Should Do Better. But When Is Anybody’s Guess

I bought SPYV last week in my TD Amertirade account. Trades commission-free, and expense ratio is .15%. GVAL expense ratio is .68%, for comparison.
by veggivet
Mon Feb 26, 2018 9:21 am
Forum: Investing - Theory, News & General
Topic: Amount of stocks before retirment
Replies: 25
Views: 3274

Re: Amount of stocks before retirment

I believe the most current thesis on this issue is to pare back stock holdings as you approach retirement, in an effort to reduce sequence of returns risk. After you've been retired for a few years, the advice is to gradually ramp up the stock holdings to a level that you are comfortable with.
by veggivet
Sun Jan 14, 2018 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Are there any situations where you don’t max retirement opportunities?
Replies: 16
Views: 2284

Re: Are there any situations where you don’t max retirement opportunities?

I stopped maxing out when I realized I had seriously oversaved for retirement...
by veggivet
Thu Jan 11, 2018 6:10 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 69
Views: 5392

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

AMG stands for "Always in the Mechanic's Garage".
by veggivet
Thu Jan 11, 2018 5:48 am
Forum: Personal Consumer Issues
Topic: Sell Sports Car and Invest or Keep for Fun Factor
Replies: 25
Views: 1565

Re: Sell Sports Car and Invest or Keep for Fun Factor

Keep it and take it to the track!
by veggivet
Thu Jan 11, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4783

Re: Oil filled space heaters

My Delonghi oil-filled space heater has performed flawlessly for me. I don't use it often, but when I need it (for example, when my furnace fails and it's 0 outside) it does the job. During times like that, the wife's hairdryer can also come in handy. 8-) It was hard enough getting a furnace guy ou...
by veggivet
Thu Jan 11, 2018 5:42 am
Forum: Investing - Help with Personal Investments
Topic: WSJ: Discount Brokers Win Bonuses to Push Costlier Products
Replies: 38
Views: 3729

Re: WSJ: Discount Brokers Win Bonuses to Push Costlier Products

I'm shocked! Companies pursuing profits in a capitalist economy? What's next, gambling at Rick's casino in Casablanca?
by veggivet
Mon Jan 08, 2018 5:18 pm
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 168
Views: 18309

Re: 2018 Hedge Fund contest

Oops...a day late. My apologies to our highly valued shareholders. I was out skiing today, and was researching stocks while I was on the lift. I am changing the name of the fund from the Mirage Fund to the Day Late and a Dollar Short Fund. Hopefully, we'll have the same stellar results we did last y...
by veggivet
Fri Jan 05, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4783

Re: Oil filled space heaters

My Delonghi oil-filled space heater has performed flawlessly for me. I don't use it often, but when I need it (for example, when my furnace fails and it's 0 outside) it does the job.
by veggivet
Fri Jan 05, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Goodbye Capital One 360!!
Replies: 56
Views: 10509

Re: Goodbye Capital One 360!!

I am a very happy, satisfied, long-term (also back from the ING days) Capital One 360 customer who will likely be with them for decades to come. Superb customer service, and an easy website to access and navigate. Good luck wherever you end up, OP.
by veggivet
Thu Jan 04, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 97
Views: 7445

Re: ID theft and check cashing fraud

Perhaps one of the reasons this crime is becoming more frequent is that the perps realize that it is unlikely there will be any type of meaningful investigation. Billions of dollars is involved, not to mention the time and frustration factor on the victim side.