Search found 2331 matches

by indexfundfan
Fri Dec 14, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: Buying the dividend
Replies: 18
Views: 1422

Re: Buying the dividend

You can also buy Schwab ETFs. They went ex-div on 12/12.
by indexfundfan
Thu Dec 13, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Being locked out of my account and "research team" will contact me in 72 hours
Replies: 33
Views: 3926

Re: Being locked out of my account and "research team" will contact me in 72 hours

Probably not in OP's case, but I always think it is a good idea to keep some assets at a second institution in case you encounter situations like this. But then there are also those who advocate having all assets at Vanguard for simplicity ...
by indexfundfan
Tue Dec 11, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity International Wire Currency Exchange Rates
Replies: 16
Views: 1710

Re: Fidelity International Wire Currency Exchange Rates

So I never ended up following thru on my transfer last month. I just went back to Transferwise to initiate it and discovered that they've increased their credit card fee to 3.4%! Since it's no longer economical to do it that way, I just initiated the payment via ACH. On the bright side, the exchang...
by indexfundfan
Tue Dec 11, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 53
Views: 5134

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

Do you need to apply new cards or would this feature be automatically enabled for the existing Cash Rewards Cards?

The press release "Bank of America today announced a new Bank of America® Cash Rewards credit card ..." seemed to imply a new card is necessary.
by indexfundfan
Tue Dec 11, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

The Fidelity estimate of completion on 12/10 was spot-on, I can report completion of the transfer as of today. The fact that they are so consistently accurate makes me wonder if they overestimate the completion date, and then just sit on the money if they receive it ahead of time. They could pick u...
by indexfundfan
Wed Dec 05, 2018 7:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard mobile check deposit
Replies: 10
Views: 1754

Re: Vanguard mobile check deposit

Is Vanguard mobile check deposit working for everyone? I wanted to try it out but when I touch on the mobile check deposit option, it says to contact Vanguard.
by indexfundfan
Sun Dec 02, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 344
Views: 50825

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

So I'm with HSA bank and am getting tired of the $66/year fee. Left my employer that offered it so I'm trying to decide between Lively and Fidelity. So this is what, a $30 difference/year between the two? I really like my vanguard funds through TDA that I have my HSA in (VB & VXUS) but I'm complete...
by indexfundfan
Sat Dec 01, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Managing ACA income with a Vanguard Variable Annuity
Replies: 17
Views: 1388

Re: Managing ACA income with a Variable Annuity

I don't have VA. But another option is to put some cash into I bonds. Interest is tax deferred and will not increase your MAGI (until redemption).
by indexfundfan
Sat Dec 01, 2018 9:29 am
Forum: Investing - Theory, News & General
Topic: [Understanding volatility in ultrashort bond funds]
Replies: 49
Views: 5240

Re: Ultrashort bond funds in freefall

I sometimes use MINT or JPST in the Merrill Edge tax-deferred accounts to hold cash. In the past two weeks or so, I did notice that the steady NAV increases stopped for MINT.

I intend to switch to SHV or BIL in the future instead.
by indexfundfan
Fri Nov 30, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: [Understanding volatility in ultrashort bond funds]
Replies: 49
Views: 5240

Re: Ultrashort bond funds in freefall

Duration measures the price sensitivity of a security to interest rate changes. The higher the duration, the more sensitive it is. For a floating rate security, if it's interest payment rises in locked step to interest rate, then technically it's sensitivity is very low or zero. This is despite the ...
by indexfundfan
Fri Nov 30, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

The assets for my transfer from TDA/Lively to Fidelity posted this morning. It took 3 days. Here's the timeline: ○ 11/27 Tue : Transfer request submitted online at Fidelity. Uploaded copy of TDA statement. Fidelity indicates a 12/4 completion date. ○ 11/28 Wed : TDA login access disabled. List of a...
by indexfundfan
Fri Nov 30, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

jhfenton wrote:
Fri Nov 30, 2018 9:20 am
We don't need to worry about transferring or draining our Lively accounts.
Yeah, that's true. Still, I am waiting for the one year mark before asking Lively to close the account. There's no cost in waiting.
by indexfundfan
Fri Nov 30, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

My guess for option 1 is to avoid the transfer fee? In the Choice Financial fine print, it is stated that there is a closing fee of $25 if the account is closed before one year. Take note of that since you may have to pay this fee (maybe you can keep the account open until one year old). Secondly, ...
by indexfundfan
Fri Nov 30, 2018 8:08 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

I have a $430 unrealized loss in a intermediate treasuries bond fund right now and am planning on moving from Lively TDA to Fidelity. I can: Liquidate it before doing a rollover, which will realize the $430 loss. Do an in-kind transfer, which will be a $50 fee from TDA. Which option is better? My g...
by indexfundfan
Fri Nov 30, 2018 7:12 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

The assets for my transfer from TDA/Lively to Fidelity posted this morning. It took 3 days. Here's the timeline: ○ 11/27 Tue : Transfer request submitted online at Fidelity. Uploaded copy of TDA statement. Fidelity indicates a 12/4 completion date. ○ 11/28 Wed : TDA login access disabled. List of as...
by indexfundfan
Thu Nov 29, 2018 4:19 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 161
Views: 44168

Re: my review of my HSA with Saturna brokerage

I know I didn't pay any fees, whatever the name was. But if you think about it, a distribution is like asking for your money back. A distribution could be for a medical emergency. It hardly seems fair if the custodian were to charge these fees. On the other hand, if you are transferring, they would...
by indexfundfan
Thu Nov 29, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: unearned income and HSA
Replies: 2
Views: 271

Re: unearned income and HSA

Any HSA contribution reduces your MAGI dollar for dollar for ACA purposes. It is not limited to earned income. In your example, your MAGI will reduce to $14000.
by indexfundfan
Thu Nov 29, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Utterly confused - Requesting IRA transfer OUT of Vanguard
Replies: 5
Views: 683

Re: Utterly confused - Requesting IRA transfer OUT of Vanguard

Generally all transfers are initiated from the receiver institution. You need to get instructions from your 401(k) provider.
by indexfundfan
Thu Nov 29, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 161
Views: 44168

Re: my review of my HSA with Saturna brokerage

As I said, I took a distribution. It's similar to the case where you have valid medical expenses. Just call Saturna and request to have all the money sent to you (of course you should liquidate whatever holding you have and wait for it to settle before calling). The money could be sent to you by ch...
by indexfundfan
Thu Nov 29, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: HSA rollover question
Replies: 6
Views: 256

Re: HSA rollover question

I'm currently considering rolling over my HSA to Fidelity and had a quick question. I opened an HSA about 2 years ago and am considering rolling it over to Fidelity. I just wanted to make sure that the health bills/receipts we've accrued during those two years would still count towards this new acc...
by indexfundfan
Thu Nov 29, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 161
Views: 44168

Re: my review of my HSA with Saturna brokerage

As I said, I took a distribution. It's similar to the case where you have valid medical expenses. Just call Saturna and request to have all the money sent to you (of course you should liquidate whatever holding you have and wait for it to settle before calling). The money could be sent to you by ch...
by indexfundfan
Thu Nov 29, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: HSA rollover question
Replies: 6
Views: 256

Re: HSA rollover question

I'm currently considering rolling over my HSA to Fidelity and had a quick question. I opened an HSA about 2 years ago and am considering rolling it over to Fidelity. I just wanted to make sure that the health bills/receipts we've accrued during those two years would still count towards this new acc...
by indexfundfan
Thu Nov 29, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 344
Views: 50825

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

Usually for ACAT transfers, the receiving institution can/will do residue sweeps. Maybe this will be swept over to Fidelity on a later date?
by indexfundfan
Thu Nov 29, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

arsenalfan wrote:
Thu Nov 29, 2018 10:55 am
Fidelity HSA review
https://thehsareportcard.com/new-page-1
The forest green Fidelity is $0 per year & $0 threshold (can invest it all).
:thumbsup Great that they update it so quickly.
by indexfundfan
Thu Nov 29, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

A quick question for Fidelity users -- did Fidelity eliminate the short term trading fee for its commission-free ETFs? I couldn't find this referenced on the website.
by indexfundfan
Thu Nov 29, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Please Evaluate New Retirement Plan Options
Replies: 12
Views: 730

Re: Please Evaluate New Retirement Plan Options

Why not just put it into Vanguard Target Retirement 2050, since that's what you do outside the company retirement account anyway? I assume that you have found Vanguard Target Retirement 2050 to fit your investment goals.
by indexfundfan
Thu Nov 29, 2018 8:34 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

What I did was to move the remaining tiny bit of cash (resulting from interest as money sat temporarily with CF while my TDA account was being set up) to TDA a few days ago. Yesterday, I initiated the full in-kind transfer of assets from TDA to Fidelity (from the Fidelity side). I do not believe my...
by indexfundfan
Thu Nov 29, 2018 8:32 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

Ha. I just logged into my Lively account and noticed that my linked TD Ameritrade account shows a $50 balance. I'm guessing it is the result of the $50 debit that they transferred to Fidelity, and that my TD Ameritrade account hasn't actually been assessed the transfer fee yet. Since I cannot log i...
by indexfundfan
Thu Nov 29, 2018 7:51 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

I am only transferring cash through ACAT and TDA is issuing a debit of $50 in the pending asset transfer list. So at least for me, it seems that TDA did not waive the fee. My transfer is not completed yet so it is possible that TDA could still remove the fee (though I'm doubtful this will happen). ...
by indexfundfan
Wed Nov 28, 2018 8:51 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

So it's confirmed that TDA -> Fidelity acats transfer incurs a $50 fee? Can you avoid it by leaving $0.01 behind (if it's even possible to do this)? It's the transfer that incurs the fee, not the account closure. TD did tell me that there would be no fee if you liquidate the holdings and transfer c...
by indexfundfan
Wed Nov 28, 2018 6:11 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

Well wouldn't you know it, he was wrong. I was able to complete the entire process online including uploading my most recent TDA statement and e-signing the ToA form. As soon as I submitted the application the screen came back with an estimated completion date of Dec 5th. I'll believe it when I see...
by indexfundfan
Wed Nov 28, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

I called them to see if they will reimburse the Saturna fee and was told they do not do that and the management had a meeting this morning to say not to do it. They were not very cordial on the phone at all, wondering if maybe I stay where I am at the moment. They seemed to really not give a flip i...
by indexfundfan
Wed Nov 28, 2018 4:46 pm
Forum: Forum Issues and Administration
Topic: Bogleheads.org main page time off by an hour
Replies: 7
Views: 783

Re: Bogleheads.org main page time off by an hour

LadyGeek wrote:
Wed Nov 28, 2018 4:17 pm
The home page is working as it should, which is showing the time as US Central (no daylight savings correction).
OK got it. It always shows the US Central time.
by indexfundfan
Wed Nov 28, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for suggestions on safely investing HSA
Replies: 5
Views: 550

Re: Looking for suggestions on safely investing HSA

From my understanding, the Fidelity Individual HSA seems to be, for all intents and purposes, a brokerage account. It also appears that you can request a check book for it: https://digital.fidelity.com/ftgw/digital/ste/view/checkwriting If it behaves like a brokerage account, then any MMF held in th...
by indexfundfan
Wed Nov 28, 2018 11:54 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 464
Views: 103442

Re: Forum software upgrade bug reports and change requests

Wanted to feedback on the Bogleheads.org main page time off by an hour. Please see

viewtopic.php?f=3&t=264982
by indexfundfan
Wed Nov 28, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

Yes. Exactly. TDA always lock accounts when full transfers are in progress. It means that your transfer should be complete in two days. Everything is now in my Fidelity HSA, including the $50 cash debit. I’ll be call Fidelity later this morning to ask them to reverse that. I will also email Lively ...
by indexfundfan
Wed Nov 28, 2018 11:09 am
Forum: Forum Issues and Administration
Topic: Bogleheads.org main page time off by an hour
Replies: 7
Views: 783

Re: Bogleheads.org main page time off by an hour

The time on the Bogleheads.org main page and Forum Home are off by an hour. The Forum Home is the correct time for me. Previously answered in another topic: When you are logged in, the forum timestamp is adjusted for the timezone setting in your User Control Panel. When you are not logged in, the f...
by indexfundfan
Wed Nov 28, 2018 10:48 am
Forum: Forum Issues and Administration
Topic: Bogleheads.org main page time off by an hour
Replies: 7
Views: 783

Bogleheads.org main page time off by an hour

The time on the Bogleheads.org main page and Forum Home are off by an hour. The Forum Home is the correct time for me.

Is there any setting I need to make to make them sync up? Thanks.

Image

Image
by indexfundfan
Wed Nov 28, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Looking for suggestions on safely investing HSA
Replies: 5
Views: 550

Re: Looking for suggestions on safely investing HSA

Put it in SPRXX, which has a current yield of 2.1%.

If you plan to use the HSA as an investing vehicle, you could have it included as part of your overall investment portfolio and invest accordingly.
by indexfundfan
Wed Nov 28, 2018 8:31 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

Yes. Exactly. TDA always lock accounts when full transfers are in progress. It means that your transfer should be complete in two days. Everything is now in my Fidelity HSA, including the $50 cash debit. I’ll be call Fidelity later this morning to ask them to reverse that. I will also email Lively ...
by indexfundfan
Wed Nov 28, 2018 7:13 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

Fidelity now shows my Transfer Status as "Completed" with a Completion Date of 11/27/18. Below that next to each listed position is a shares received date of 11/28/18 (i.e. tomorrow). The positions still do not actually show in my Fidelity HSA account itself, but I expect they will indeed show up t...
by indexfundfan
Tue Nov 27, 2018 9:06 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

My Lively to Fido transfer is still in process. Submitted 11/17, paperwork received 11/25, now sitting with Choice Financial. ETA is 12/26. "ETA is 12/26" --- is this a typo??? I submitted mine today, to transfer out from TDA/Lively. The expected completion date is 12/4. It appears that Fidelity ex...
by indexfundfan
Tue Nov 27, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: Short-term Treasury vs. Limited-Term Tax-Exempt
Replies: 18
Views: 2109

Re: Short-term Treasury vs. Limited-Term Tax-Exempt

Interestingly, even though yields have risen, I have a small capital gain in VSBSX. While yield has risen from 2.67% to 2.80%, price has risen from 19.89 to 19.94. This is an example of how the relationship between price and SEC yield aren't necessarily what you might expect, as I've posted about e...
by indexfundfan
Tue Nov 27, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

Yes. I'm a bit sad about what I see as the now inevitable demise of Lively. They just closed their Series A funding round on October 30, raising $11 MM, so they have some runway. But I don't see what their sales pitch is now. I think Lively will have to cater to corporate customers. I believe their...
by indexfundfan
Tue Nov 27, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

...Lively has no closing fees. They are quite explicit about it in their FAQ . Choice Financial has a $25 fee for direct accounts in their terms, but it doesn't apply to Lively accounts. Are there any Closing Fees? No. If you are unhappy with Lively for any reason and want to move your funds to ano...
by indexfundfan
Tue Nov 27, 2018 10:02 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

I did mine yesterday. There was no online signing. They created the form, which then had to be printed. They let me fax it in, saying that they thought my bank didn't care for an original signature, but weren't sure. I even asked the rep who I was talking to if they used the Doc-U-Sign process for ...
by indexfundfan
Tue Nov 27, 2018 9:53 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

I am thinking of moving my HSA funds from Lively/TDA to Fidelity. However, my Lively account was only opened in April of this year so I want to avoid the Lively account closure fee (I think it is $25). I am wondering if I can avoid the Lively account closure fee by asking Lively to release my TDA a...
by indexfundfan
Mon Nov 26, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15057

Re: Black Friday 2018

Yeah I bought a discounted Dyson as referenced in another thread and got 10% on ebates also. I even got $10 of ebates on my $1 a month Hulu subscription. I rarely have an opportunity to earn ebate dollars. Only $5 ebates for me. I guess they reduced it. :( Put your $1 per month on discover, and the...
by indexfundfan
Mon Nov 26, 2018 12:38 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

Last Tuesday I played a game of telephone to figure out what I needed to do after getting an online notice to call Fidelity. After speaking to Fidelity and to Lively on the phone, I emailed Lively a copy of my Fidelity transfer form and asked Lively to send a Letter of Release to TD Ameritrade. Liv...
by indexfundfan
Mon Nov 26, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 682
Views: 48235

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

My assets from TD Ameritrade are now showing up at Fidelity as pending transfer: Assets Being Transferred Name Symbol Quantity Quantity Received Date Received DEBIT CASH BALANCE n/a 50 -- -- ISHARES INC EDGE MSCI MULTIFACTOR EMERGING EMGF xxx -- -- SPDR INDEX SHS FDS S&P EMERGING MKTS SM CAP ETF EW...