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by indexfundfan
Tue Jan 23, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 174
Views: 20730

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

Still waiting for my 2017 $6,750 contribution made on 1/18 to move from pending to available at Lively. I did a pull with Lively from my bank. It cleared my bank on 1/19 around 6:30 am. I set up a direct deposit on paydays to Lively. According to my experience, the money should move from pending to...
by indexfundfan
Mon Jan 22, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 174
Views: 20730

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

My wife just started a new job, and her employer told her to set up her own HSA account and give them the account information to make deposits. Her employer will contribute $1,000 per year ($38.46/2 weeks). So we set up an account for her at Lively, and we will see how those deposits go. (We are st...
by indexfundfan
Mon Jan 22, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 174
Views: 20730

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

Could you try a "push" from your bank account and see if it shortens or eliminates the effective hold time at Lively? This is one interesting suggestion. I did notice the Choice Financial ABA/Account numbers on the Lively website. If I push in the money, it might shorten the time it takes for the m...
by indexfundfan
Mon Jan 22, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 174
Views: 20730

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

That looks like 5 days to me. I don't think you get to count the initiating day. :beer It's still longer than I consider reasonable. Could you try a "push" from your bank account and see if it shortens or eliminates the effective hold time at Lively? You're right. It should be 5. I edited my post.
by indexfundfan
Mon Jan 22, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 174
Views: 20730

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

My ACH transfer to TDAM (Lively) is completed. Day 1: Submitted transfer request (during business hours). Day 2: Morning: Money was deducted from external bank, but it was not credited to Lively. Day 3: No progress. Day 4: Night: Money credited at Lively. I immediately submitted the request to move ...
by indexfundfan
Fri Jan 19, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 174
Views: 20730

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

Hmm. I haven't attempted an ACH to Lively, so I can't say whether the delay on an ACH pull was normal. But I haven't seen more than an overnight delay on the transfers to TD Ameritrade. I would call or email them and see what's up. I'd emailed them. That's their standard / normal speed for ACH. I b...
by indexfundfan
Fri Jan 19, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 174
Views: 20730

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

I wanted to report on the long lag time to get money into Lively/TDAM using Lively's ACH transfer. This is not custodian rollover. The following is the timeline in business days: Day 1: Submitted transfer request. Day 2: Morning: Money was deducted from external bank, but it was not credited to Live...
by indexfundfan
Fri Jan 19, 2018 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Which is faster - Push or Pull - Transfer of cash into investment accounts
Replies: 19
Views: 1366

Re: Which is faster - Push or Pull - Transfer of cash into investment accounts

We are ready to set up automated transfers into various accounts: Vanguard (ROTH), Lively (HSA) and M1 Finance (taxable). The 401K is already automated through megacorp. Which is faster, pushing money from our bank every payday or having them pull funds regularly (twice per month)? Vanguard has the...
by indexfundfan
Fri Jan 19, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: which Brokerage do you use...why?
Replies: 48
Views: 5637

Re: which Brokerage do you use...why?

lisaneedsbraces wrote:
Thu Jan 18, 2018 1:27 pm
I'm glad you mentioned dividends going to an external bank account. I'm looking at switching to Merrill Edge and this is a feature I want. Does anyone know how common this is among brokerages?
Schwab can do that too.
by indexfundfan
Wed Jan 17, 2018 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest my HSA - Lively
Replies: 20
Views: 2418

Re: How to Invest my HSA - Lively

It looks like transfers within TDAM are fast. My cash contribution is taking longer

1/12 Fri : Submitted ACH transfer
1/15 Mon : Bank holiday
1/16 Tue : Money deducted from external account
1/17 Wed : Money is not credited to Lively yet.
by indexfundfan
Tue Jan 16, 2018 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: 529 AND UTMA
Replies: 29
Views: 1435

Re: 529 AND UTMA

From my reading this parental support definition defined by the IRS is quite vague and the wording of it leaves it quite open to interpretation. I think as long as there is some rational thoughts in your head for the expense that would match up with the IRS wording, it can be justified in case of I...
by indexfundfan
Tue Jan 16, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Help with tax efficient asset allocation for taxable account
Replies: 16
Views: 1349

Re: Help with tax efficient asset allocation for taxable account

Just to clarify: isn't having both limited-term and long-term funds redundant? I mean if minimizing risk and federal tax exemption is goal I can go with Intermediate-Term Tax-Exempt Fund, right? Some people find that the combination of Limited term fund and Long term fund produces a higher after-ta...
by indexfundfan
Tue Jan 16, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard account change
Replies: 14
Views: 1290

Re: Vanguard account change

I have moved assets between different account registrations at Vanguard (specifically from a JTWROS account to a family trust account). The assets are transferred in-kind and it is not a taxable event.

But I can't answer the part about how the step-up basis is / can be adjusted at Vanguard.
by indexfundfan
Tue Jan 16, 2018 7:36 am
Forum: Investing - Theory, News & General
Topic: No more TDA Apex?
Replies: 19
Views: 1638

Re: No more TDA Apex?

I just spoke to TDA and Apex is NOT discontinued. I think it's just they redesigned their website and it no longer shows the little word "Apex" wherever it used to. I had Apex status and called to confirm and they said I still have it, which agrees with the lack of fees I've been charged for variou...
by indexfundfan
Mon Jan 15, 2018 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help with tax efficient asset allocation for taxable account
Replies: 16
Views: 1349

Re: Help with tax efficient asset allocation for taxable account

If you have access only to the taxable account, here's one suggestion: 60% Vanguard Total Stock Market VTSAX (0.04%) 30% Vanguard Total International Stock Market VTIAX (0.11%) 5% Vanguard New York Long-Term Tax-Exempt Fund VNYUX (0.09%) 5% Vanguard Limited Term Tax-Exempt Fund My rule of thumb is t...
by indexfundfan
Mon Jan 15, 2018 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: 529 AND UTMA
Replies: 29
Views: 1435

Re: 529 AND UTMA

I think OP will be fine since his intention is to wash the capital gains in his stocks through the UTMA and withdraw the money for on-going non-essential child expenses. In this way, the value / growth of the UTMA will be limited. It would also be easy to close the account by the time the child reac...
by indexfundfan
Mon Jan 15, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: No more TDA Apex?
Replies: 19
Views: 1638

Re: No more TDA Apex?

Apex clients used to have free full outgoing ACAT. Now, the full outgoing ACAT is listed as $75, the previous non-Apex rate. So it looks like a downgrade, as far as the ACAT fees are concerned. Thanks for sharing this! I closed my TD Ameritrade accounts a few days after TD "enhanced" their commissi...
by indexfundfan
Mon Jan 15, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: 529 AND UTMA
Replies: 29
Views: 1435

Re: 529 AND UTMA

For UTMA, the first $2100 in income for 2018 is tax free. Maybe I can gift stock to the UTMA account and harvest gains to pay for non-essential child expenses. Seems more flexible than a 529 account which i can only use for school. With the new tax laws, the $2100 number could be higher. It is stil...
by indexfundfan
Mon Jan 15, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: 529 AND UTMA
Replies: 29
Views: 1435

Re: 529 AND UTMA

For UTMA, the first $2100 in income for 2018 is tax free. Maybe I can gift stock to the UTMA account and harvest gains to pay for non-essential child expenses. Seems more flexible than a 529 account which i can only use for school. With the new tax laws, the $2100 number could be higher. It is stil...
by indexfundfan
Sun Jan 14, 2018 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 39
Views: 4558

Re: Merrill Edge best choice for higher net worth accounts?

mega317 wrote:
Sun Jan 14, 2018 1:08 am
indexfundfan wrote:
Sat Jan 13, 2018 10:40 pm
With your assets, Merrill Edge will assign a "Premium Elite Relationship Manager" to you.
I don't know what this is but it sounds bad (also redundant).
It's just a rep assigned to keep you happy. They are great when you have issues to follow up. They don't try to sell you anything.
by indexfundfan
Sun Jan 14, 2018 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Opening an HSA - Vanguard Admiral Shares available
Replies: 14
Views: 1162

Re: Opening an HSA - Vanguard Admiral Shares available

Thanks. I was just looking at their web site. I remember looking at them and choosing not to go with them a year ago. I see that HSA Authority is charging $36 a year. It's not clear if there is any other fees--I don't see any others mentioned. But having to keep $1,000 in cash is a deal killer. Giv...
by indexfundfan
Sat Jan 13, 2018 10:50 pm
Forum: Investing - Theory, News & General
Topic: No more TDA Apex?
Replies: 19
Views: 1638

Re: No more TDA Apex?

If everybody got "promoted" to Apex, then it would not be a reason to move on. :) I wish Vanguard would save some money and drop the Investor share class and just have Admiral for everybody, but without the higher initial minimums. Apex clients used to have free full outgoing ACAT. Now, the full ou...
by indexfundfan
Sat Jan 13, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Opening an HSA - Vanguard Admiral Shares available
Replies: 14
Views: 1162

Re: Opening an HSA - Vanguard Admiral Shares available

Is your account sponsored by your employer? I see an annual fee of $45 PLUS a AUM fee of 0.25%. These fees are not competitive.
by indexfundfan
Sat Jan 13, 2018 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 39
Views: 4558

Re: Merrill Edge best choice for higher net worth accounts?

With your assets, Merrill Edge will assign a "Premium Elite Relationship Manager" to you. Remember to collect a new account / asset transfer bonus when you transfer your assets.
by indexfundfan
Sat Jan 13, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: Variable annuity and ACA subsidy
Replies: 12
Views: 622

Re: Variable annuity and ACA subsidy

Thanks Huey and curmudgeon. I hadn't thought about an HSA and I believe their bronze plan is a high deductible plan, so will look into that. A high deductible plan is not necessarily a HSA-compatible plan. I'm afraid if they haven't bought with the intention to contribute to a HSA, they probably di...
by indexfundfan
Fri Jan 12, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Percentage of VWITX subject to AMT
Replies: 8
Views: 331

Re: Percentage of VWITX subject to AMT

An alternative: Vanguard's VTEB tracks the S&P National AMT-free Municipal Bond index.
by indexfundfan
Fri Jan 12, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Percentage of VWITX subject to AMT
Replies: 8
Views: 331

Re: Percentage of VWITX subject to AMT

This article

https://advisors.vanguard.com/iwe/pdf/FAFIGBRO.pdf

from Vanguard says

"With the exception of the muni money market portfolios and Vanguard High-Yield Tax-Exempt Fund, there is no exposure to alternative minimum (AMT) private activity bonds."

This is not the prospectus though.
by indexfundfan
Fri Jan 12, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: tax consequences of converting Vanguard MFs to ETFs
Replies: 13
Views: 703

Re: tax consequences of converting Vanguard MFs to ETFs

There is a benefit if one holds Vanguard MFs at Vanguard and wants to use a halfway-decent brokerage. Or, if one wants to TGH while keeping the same funds. Otherwise, I agree there is little benefit. One other benefit: you can easily transfer ETFs among brokerages and earn their asset transfer bonu...
by indexfundfan
Fri Jan 12, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Interest during ACH transfers
Replies: 4
Views: 257

Re: Interest during ACH transfers

You don't any earn interest during the time when the transfer is in "limbo". The interest lost during this time is used to compensate the financial institution actually performing the transfer.

Your bank can offer next-day ACH transfers, but this is more expensive to the bank.
by indexfundfan
Fri Jan 12, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 174
Views: 20730

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

OP here. I decided to try out Lively myself and opened an account. So far I'm pleased. I did not have to upload my driver license; although I did have to answer a few automatically generated questions related to my credit report. The micro-deposits were deposited promptly the next day. Verification ...
by indexfundfan
Fri Jan 12, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in 2018 and bonds
Replies: 9
Views: 589

Re: Rebalancing in 2018 and bonds

Since you will have to pay capital gains taxes, here's my suggestion, keeping 5 asset classes: US total market, US smallcaps, international, emerging markets and bonds. In taxable, sell IGOV --- iShares International Treasury Bond $2,326 COMT --- iShares Commodities Select ETF --- $5,818 PDBC --- Po...
by indexfundfan
Fri Jan 12, 2018 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Percentage of VWITX subject to AMT
Replies: 8
Views: 331

Re: Percentage of VWITX subject to AMT

Several years ago, Vanguard eliminated private-activity bonds to all of its tax-exempt bond fund line-up, except for the high yield tax exempt fund and money market funds.
by indexfundfan
Fri Jan 12, 2018 9:12 am
Forum: Investing - Help with Personal Investments
Topic: tax consequences of converting Vanguard MFs to ETFs
Replies: 13
Views: 703

Re: tax consequences of converting Vanguard MFs to ETFs

Vanguard ETF's and Mutual Funds have the same tax efficiency because the ETF is simply a share class of the mutual fund. Vanguard has a patent on this method, so it is proprietary for now. Even if this were not the case, I would be hard-pressed to believe it would be worth paying capital gains in o...
by indexfundfan
Thu Jan 11, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge - Platinum Honors
Replies: 17
Views: 1630

Re: Merrill Edge - Platinum Honors

I use MINT as cash in the IRA. Very very liquid, with a share price >$100 and a spread of $0.01.
For the taxable account, I transfer out any excess cash.
by indexfundfan
Thu Jan 11, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge - Platinum Honors
Replies: 17
Views: 1630

Re: Merrill Edge - Platinum Honors

Merrill Edge is great for ETF investing if you can qualify for commission-free trades. There is no restriction on which ETFs you can trade free. Cash options are not great at Merrill Edge though. Nevertheless, in addition to using short term ETFs for liquid reserves, you can also request for the BIF...
by indexfundfan
Sun Jan 07, 2018 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Betterment Holdings or Transfer In-Kind to Vangaurd?
Replies: 5
Views: 455

Re: Sell Betterment Holdings or Transfer In-Kind to Vangaurd?

When you say TLH of $1k, is that a loss? If it is a loss, it is an easy choice to sell the assets and buy something similar at Vanguard.
by indexfundfan
Sun Jan 07, 2018 7:17 pm
Forum: Investing - Theory, News & General
Topic: Noob question.. funding buy orders
Replies: 2
Views: 312

Re: Noob question.. funding buy orders

If I recall correctly, after you submit the $600 transfer from your bank account to the settlement fund, it is available immediately for use to purchase the fund you want. So there would be $1000 available in your settlement fund for purchases. Of course you can also make two separate purchases on t...
by indexfundfan
Fri Jan 05, 2018 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Diversification from Equity in Taxable (w/out DIVs & cap gains) for Managing ACA / Obamacare Subsidy
Replies: 8
Views: 378

Re: Diversification from Equity in Taxable (w/out DIVs & cap gains) for Managing ACA / Obamacare Subsidy

Some assets with lower dividends US LargeCap Growth ~1.2% US SmallCap ~1.3% Sector: BioTech ETFs (XBI,IBB,BBH) ~0.25% The above list also generally provides 100% qualified dividends. Use pure treasury bonds (instead of the total bond or bond index) for their lower yields and "purer" diversification ...
by indexfundfan
Thu Jan 04, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 50
Views: 7190

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

Is there any way to download a second Deluxe (Federal + State) on the same computer? I need to have two different state programs and it would be cheaper to download another Deluxe for 14.95 than buy an additional State for 39.95. I don't think that would work if you want 2 state filings with the sa...
by indexfundfan
Thu Jan 04, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Scottrade Question
Replies: 19
Views: 1173

Re: Scottrade Question

I heard that Scottrade was acquired by TD Ameritrade. I wish I would have known this before end of 2017. I do not want an account with TDA. How do I transfer out shares in kind to Fidelity or Merrill Edge? Open an account at Fidelity or Merrill Edge. You can probably get some account opening bonuse...
by indexfundfan
Thu Jan 04, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market vs. Savings Accounts
Replies: 44
Views: 8263

Re: Vanguard Money Market vs. Savings Accounts

Is one allowed to invest in Vanguard Prime Money Market via another bank? For example, with Citibank I can enroll in their Citi Personal Wealth Management acct to buy stocks/etfs. However, am I also allowed to buy Vanguard Prime Money Market via these sorts of accounts? It depends on whether Citiba...
by indexfundfan
Wed Dec 20, 2017 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do We Have to Wait Until Trump Signs the Bill Before We Can Discuss It?
Replies: 44
Views: 2730

Re: Do We Have to Wait Until Trump Signs the Bill Before We Can Discuss It?

Try another forum. There is a very informative thread and knowledgeable participants on the Early Retirement forum

http://www.early-retirement.org/forums/ ... 89791.html
by indexfundfan
Wed Dec 13, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Best HSA for buy-&-hold?
Replies: 15
Views: 1489

Re: Best HSA for buy-&-hold?

SelectAccount would probably be my second choice. Schwab brokerage. I forget all the details. Saturna would probably be my third. From my notes earlier, you can start the Schwab brokerage at SelectAccount only after you have reached $10,000 in cash. You are then required to keep at least $1000 in c...
by indexfundfan
Wed Dec 13, 2017 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Best HSA for buy-&-hold?
Replies: 15
Views: 1489

Re: Best HSA for buy-&-hold?

1) Lively, $2.50/month fee with investments through TD Ameritrade using commission-free SPDR Portfolio ETFs. Lively is the one I'm using now (since early October). At $2.50/month and no other fees, it's the lowest cost for me given a desire to minimize cash in my employer HSA by making frequent (qu...
by indexfundfan
Wed Dec 13, 2017 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Best HSA for buy-&-hold?
Replies: 15
Views: 1489

Re: Best HSA for buy-&-hold?

Fees are still very common in HSAs if you want to have investment options. The three best HSA custodians that support first dollar investing are 1) Lively, $2.50/month fee with investments through TD Ameritrade using commission-free SPDR Portfolio ETFs 2) Saturna -- fees follow either a) or b) below...
by indexfundfan
Tue Dec 12, 2017 2:25 pm
Forum: Investing - Theory, News & General
Topic: Total Bond vs. 70/30 Int. Treasury/High Yield Corporate
Replies: 9
Views: 875

Re: Total Bond vs. 70/30 Int. Treasury/High Yield Corporate

A few quick observations: 1. I split out treasuries and corporates, but I use VSIGX and VICSX, Vanguard's intermediate treasury and corporate bond index funds, at 50/50. The corporate fund is all investment grade. The treasuries give me adequate rebalancing fodder. The corporates have a bit more ri...
by indexfundfan
Sun Dec 10, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Can/Should early retiree avoid ACA tax credits?
Replies: 55
Views: 3692

Re: Can/Should early retiree avoid ACA tax credits?

I will tell you my own experience. ER'ed earlier this year. Took a market plan which costs about $12k this year. In my planning, I never wanted any ACA subsidy, and planned to convert my Trad to Roth IRA to the top of the 15% bracket in the future years. Come October (two months ago), I was shocked ...
by indexfundfan
Sun Dec 03, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: moved to another state in 2017 -- best tax software?
Replies: 6
Views: 643

Re: moved to another state in 2017 -- best tax software?

You can purchase a second state for the 2017 tax year. Turbo Tax will offer that when you indicate that you have a second state return to file. Except that the additional state add-on actually costs more than the copy of Fed+State software. For example, H&R Fed + State was offered for $20 on 11/29/...
by indexfundfan
Sat Dec 02, 2017 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Donated shares to my DAF (Vanguard Charitable)
Replies: 6
Views: 652

Re: Donated shares to my DAF (Vanguard Charitable)

Yes they are long term gains, thank you for the clarifying question...Hoping you can explain the importance in this case.... The following is from Schwab's FAQ Appreciated non-cash assets held for more than one year generally receive a fair market value deduction of up to 30% of adjusted gross inco...
by indexfundfan
Sat Dec 02, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Donated shares to my DAF (Vanguard Charitable)
Replies: 6
Views: 652

Re: Donated shares to my DAF (Vanguard Charitable)

Wash rules only apply when realizing losses. You are good. Donate as much as you can now so you get the deduction this year before it goes away due to the plan we aren't allowed to talk about. In addition, you might not be able to select the specific lot to donate next year (again, we are not allow...