Search found 281 matches

by Thrifty Femme
Sat Dec 09, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 178
Views: 32599

Re: Best HSA (2017)

user85613 wrote:
Sat Dec 09, 2017 2:16 pm
Which has the least headache when transferring to Lively, a rollover or trustee-to-trustee transfer?
Probably rollover. It took over a month to do a trustee-to-trustee transfer from HealthEquity.
by Thrifty Femme
Sat Nov 25, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Question: Disability Insurance Wiki Article
Replies: 0
Views: 130

Question: Disability Insurance Wiki Article

Under the Must Haves list in the disability insurance wiki article #6 says "Coverage past the age of 65 or money that goes into a trust for retirement." How does this work? For every single quote I have received, coverage ends at 65 without any mention of a trust :confused Is there a specific rider ...
by Thrifty Femme
Wed Nov 22, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12095

Re: Help DW gets fired, but then next day her boss offers her job back

Background info: Emergency fun- 12 months Debt- Mortgage 10 yrs at 3.19%, no other debt. My salary- With only my paycheck we will be upside down about 600/ month. We won't be able to fund Roth IRAs and pay extra principal every month. So yesterday, DW calls me at work to tell me she was just let go...
by Thrifty Femme
Sat Nov 11, 2017 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor questions
Replies: 31
Views: 2007

Re: Mega Backdoor questions

I just came back from talking to HR for the 2nd time about after tax contributions. The benefits person keeps telling me I can NOT make after tax contribution because I already maxed out to $18,000 for the year. I keep explaining to him that's the max for the pre-tax contribution. That I have up to...
by Thrifty Femme
Fri Nov 10, 2017 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 147
Views: 15815

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

Does TDA's DRIP not apply to Vanguard ETFs after they leave the commission free list?
by Thrifty Femme
Fri Nov 10, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor questions
Replies: 31
Views: 2007

Re: Mega Backdoor questions

I just came back from talking to HR for the 2nd time about after tax contributions. The benefits person keeps telling me I can NOT make after tax contribution because I already maxed out to $18,000 for the year. I keep explaining to him that's the max for the pre-tax contribution. That I have up to...
by Thrifty Femme
Fri Nov 10, 2017 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor questions
Replies: 31
Views: 2007

Re: Mega Backdoor questions

Ah, I didn't see the spreadsheet. Your link says "Mega Backdoor Roth Without In-Service Distribution" but for some reason when I clicked on the link, it took me to an article titled "Mega Backdoor Roth and Access To Your Money Before 59-1/2" instead. And it didn't have the spreadsheet. Oops, fix now.
by Thrifty Femme
Thu Nov 09, 2017 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor questions
Replies: 31
Views: 2007

Re: Mega Backdoor questions

Mega Backdoor Roth Without In-Service Distribution should help with your analysis. Unless I'm misreading it, the linked article appears to be addressing a different scenario, i.e. being able to access funds, before age 59 1/2, that made it all the way into the Roth IRA after a fully completed Mega ...
by Thrifty Femme
Thu Nov 09, 2017 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor questions
Replies: 31
Views: 2007

Re: Mega Backdoor questions

Mega Backdoor Roth Without In-Service Distribution should help with your analysis.

ETA: Fixed the link to go to the correct article.
by Thrifty Femme
Tue Nov 07, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 147
Views: 15815

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

If you’ve got $40K in HSA funds, never planning to withdraw them until much later, and just want to invest once a year in a broad find like Total Stock Market, which account is the best? Saturna at $24.95/year if you can deal with the mountain of paper work for the application. Do a search for best...
by Thrifty Femme
Tue Nov 07, 2017 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 150
Views: 13180

Re: How old are you and how much do you save for retirement a year

Average age 41
Tax advantaged
36,000 401k x 2 +
5845 vested match +
6750 HSA +
11,000 roth IRA +
22,000 Mega Backdoor roth
81,595

Taxable
12,173

Total is 94,103. I never bothered to total up before. Now I don't feel so bad about the vacation we are about to take for Christmas!
by Thrifty Femme
Tue Nov 07, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: When did you start investing in taxable accounts?
Replies: 23
Views: 2616

Re: When did you start investing in taxable accounts?

2016. My household had 18 month EF, maxed HSA, both 401k's and both Roth IRA's, for a few years before moving on to taxable.
by Thrifty Femme
Sun Nov 05, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Lets talk emergency funds and I-bonds
Replies: 23
Views: 2120

Re: Lets talk emergency funds and I-bonds

gips wrote:
Sat Nov 04, 2017 10:24 pm
people are worried about tdirect hacking but not paper bonds? can't paper bonds be stolen or lost?
Read the thread I linked. TD will make you whole for paper bonds, which are being phased out, but electronic bonds do not explicitly have the same guarantee.
by Thrifty Femme
Sat Nov 04, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Lets talk emergency funds and I-bonds
Replies: 23
Views: 2120

Re: Lets talk emergency funds and I-bonds

There are serious concerns about Treasury Direct's willingness to make you whole in the event of hacking through no fault of your own. Proceed with caution.
by Thrifty Femme
Sat Nov 04, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Anyone else have problems with Fitbit products?
Replies: 19
Views: 921

Re: Anyone else have problems with Fitbit products?

Yes, their products are terrible! They fall apart in less than six months of daily wear. I have gone through three. One was replaced under warranty after six months, and I said forget it when that one fell apart within six months too. My DH, against his better judgement, bought me last year's new mo...
by Thrifty Femme
Sat Nov 04, 2017 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: How has your AA philosophy changed over the years?
Replies: 45
Views: 3789

Re: How has your AA philosophy changed over the years?

When I first found this site in 2015, my household was 100% stocks. We were 100% stocks because Suze Orman said bond funds were dumb. Since she didn't recommend an individual bond, we didn't buy any bonds. We road out the great recession by not looking at our statements! Soon I learned this was an u...
by Thrifty Femme
Mon Oct 30, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Roth 401K to diversify retirement income?
Replies: 11
Views: 624

Re: Roth 401K to diversify retirement income?

I think I'm over thinking this or not fully understanding it. To answer your question, I would contribute to a Roth 401K because I can put more than the Roth IRA limit in it. Also, my income is too high and I have too much in traditional IRAs to do a backdoor Roth. Maybe continuing to max my regula...
by Thrifty Femme
Sun Oct 29, 2017 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 9250

Re: we bought a house - are we housepoor now?

panchilly wrote:
Sun Oct 29, 2017 3:46 pm

Could you explain how having 1 child would suddenly make us house poor given we are projecting 40+K of incremental savings in the next year after buying this house?
In addition to moving to a single income, multiple kids might mean outgrowing the house.
by Thrifty Femme
Sun Oct 29, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 391
Views: 54656

Re: Retirement Account Stolen by Identity theft

This is ridiculous. You need to go to the media ASAP. Clark Howard, network news, Twitter, etc. There is such a things a bad publicity, and it will help you get your father's money back much faster.
by Thrifty Femme
Mon Oct 23, 2017 6:43 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 4069

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

I don't see anything about an inactivity fee. You're limited to a small list of investments, however. I don't believe there are any charges/fees for trading within those limited investment options. https://hsainvestments.com/fundperformance/?p=TBH Search this site for HSA inactivity fee and you'll ...
by Thrifty Femme
Mon Oct 23, 2017 4:46 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 4069

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

I'm with HSA Authority. $36/year. Vanguard Admiral shares. Schwab provides the user interface. No one else uses them? Seems like a good option to me... No other fees? To trade? Any minimums? There is a monthly inactive account fee after 18 months or so. I don't remember the exact amount, but it was...
by Thrifty Femme
Sat Oct 21, 2017 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Rolling Roth 401K to Vanguard Roth IRA
Replies: 3
Views: 300

Re: Rolling Roth 401K to Vanguard Roth IRA

No, a rollover from a 401k does not count against your annual contribution limit.
by Thrifty Femme
Wed Oct 18, 2017 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Separate Roth IRA accounts for the backdoor and the mega backdoor?
Replies: 11
Views: 983

Re: Separate Roth IRA accounts for the backdoor and the mega backdoor?

Small Law Survivor wrote:
Wed Oct 18, 2017 6:02 pm
What is the difference between a "backdoor" and a "mega backdoor," please?
In addition to what Duckie said, the mega backdoor roth requires a 401k plan that allows non-roth after-tax contributions and in-service withdrawals, preferably without restrictions.
by Thrifty Femme
Sun Oct 15, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 107
Views: 7503

Re: How does everyone keep track of your portfolio?

Yeah I just logged into my Personal Capital account and didn't even realize they have my holdings already in there. It's not perfect, for instance I can't link Fidelity 401k, and all the funds are listed in alphabetical order instead of by account, but it's still better than what I thought I had ac...
by Thrifty Femme
Sat Oct 14, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: [Social Security announces 2.0% benefit increase for 2018]
Replies: 26
Views: 3496

Re: Social Security announces 2.0% benefit increase for 2018

Interesting. Wonder if 401k/HSA contribution limits will go up as well? HSA limits did indeed increase for 2018 - it was announced earlier this year . 401k limits for 2018 will almost certainly increase . Official announcement later this month (if history holds). It's very likely that IRA limits wi...
by Thrifty Femme
Sat Oct 14, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Another Job Offer Dilemma
Replies: 13
Views: 1704

Re: Another Job Offer Dilemma

Have you compared the benefits package? Insurance, 401k offerings and matching, etc.
by Thrifty Femme
Wed Oct 11, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: HSA’s: What level of risk do you prefer?
Replies: 58
Views: 4097

Re: HSA’s: What level of risk do you prefer?

I put bonds in my HSA because I'm also using it as an emergency fund.
by Thrifty Femme
Sun Oct 08, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Question about my HSA and 401k after switching jobs
Replies: 5
Views: 544

Re: Question about my HSA and 401k after switching jobs

1. Yes, I understand that it's 6% every year. But lets say I correct it and pay the penalty, that's still company money. Isn't it still worth doing? 2. I tried using the calculator but I'm still confused. Can you point me to something that explicitly states how much of my paycheck I can contribute ...
by Thrifty Femme
Sun Oct 08, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Question about my HSA and 401k after switching jobs
Replies: 5
Views: 544

Re: Question about my HSA and 401k after switching jobs

I have two questions that are somewhat related: HSA 1. I made a total YTD contribution of $2615 via my old employer, which means I can still contribute $785 for the remaining part of the year ($3400 is the limit for 2017). My new employer will match contributions up to $750. How much total should I...
by Thrifty Femme
Sat Oct 07, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Megabackdoor Roth Waiting Period?
Replies: 18
Views: 1379

Re: Megabackdoor Roth Waiting Period?

On a side note, I thought normally people that do megabackdoor Roth would be exceeding limits needed for regular Roth. I could be wrong though. My household does the mega backdoor roth without exceeding the limits for regular roth. We might not be normal though :wink: We're in that same "not normal...
by Thrifty Femme
Fri Oct 06, 2017 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Megabackdoor Roth Waiting Period?
Replies: 18
Views: 1379

Re: Megabackdoor Roth Waiting Period?

learning_head wrote:
Fri Oct 06, 2017 11:42 am
On a side note, I thought normally people that do megabackdoor Roth would be exceeding limits needed for regular Roth. I could be wrong though.
My household does the mega backdoor roth without exceeding the limits for regular roth. We might not be normal though :wink:
by Thrifty Femme
Thu Oct 05, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: Garage door opener on last leg
Replies: 32
Views: 3012

Re: Garage door opener on last leg

We just got a LiftMaster that connects to the WiFi :annoyed
by Thrifty Femme
Tue Oct 03, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 147
Views: 15815

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

I am going to broach the subject with our VP of finance and maybe our VP of HR after I get a sense of how well Lively works. But it's going to be a hard (impossible) sell for a few reasons: (1) Our current HSA is with a prominent local bank. (2) Lively is new. (3) The investment options are "too co...
by Thrifty Femme
Fri Sep 29, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Lost my job and looking for advice on next steps
Replies: 43
Views: 5496

Re: Lost my job and looking for advice on next steps

Thanks Watty, Turbotax states: "Box 12 (W2) amounts with the code DD signify the total cost of what you and your employer paid for your employer-sponsored health coverage plan". Are you saying for COBRA is much higher than this figure on W2? The cost for COBRA is at most 2% higher than the number i...
by Thrifty Femme
Fri Sep 29, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Health savings account
Replies: 7
Views: 787

Re: Health savings account

There is an active thread in the Personal Finance forum right now. You can also do a search. There are many recent threads on HSA providers.
by Thrifty Femme
Thu Sep 28, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Lost my job and looking for advice on next steps
Replies: 43
Views: 5496

Re: Lost my job and looking for advice on next steps

How much will COBRA costs compared with current contribution from employer (e.g.:2 or 3 times)? Really impossible to say. What you will pay is the full cost of the health insurance - the part that you pay monthly plus whatever it is your employer pays monthly - with a 3% administrative fee on top. ...
by Thrifty Femme
Wed Sep 27, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: Suggestions Regarding Foot Orthotics
Replies: 6
Views: 913

Re: Suggestions Regarding Foot Orthotics

Try calling some local podiatrists. The younger ones or the ones in the nicer parts of town will generally have newer technology.
by Thrifty Femme
Sun Sep 24, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: TENS [Transcutaneous Electrical Nerve Stimulation]
Replies: 2
Views: 454

Re: TENS

Yes, I love mine.
by Thrifty Femme
Sun Sep 24, 2017 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Going to try my hand at Mega Backdoor Roth
Replies: 16
Views: 1819

Re: Going to try my hand at Mega Backdoor Roth

There is another option you either don't know of or are not considering. When you do the rollover of the after tax 401k account, you can direct the after-tax money to Roth IRA and the earnings (pre-tax money) to tIRA. This may not work for you if you are using the back door for your $5,500 Roth IRA...
by Thrifty Femme
Sat Sep 16, 2017 7:27 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Tax Threshold Estimates
Replies: 12
Views: 1507

Re: 2018 Tax Threshold Estimates

Thrifty Femme wrote:
Sat Sep 16, 2017 7:24 am
tfb wrote:
Fri Sep 15, 2017 9:52 pm
$18,500. No change to HCE threshold.
Bummer, thanks. Do you know what controls the decision to increase those amounts?
by Thrifty Femme
Sat Sep 16, 2017 7:24 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Tax Threshold Estimates
Replies: 12
Views: 1507

Re: 2018 Tax Threshold Estimates

tfb wrote:
Fri Sep 15, 2017 9:52 pm
$18,500. No change to HCE threshold.
Bummer, thanks.
by Thrifty Femme
Fri Sep 15, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Tax Threshold Estimates
Replies: 12
Views: 1507

Re: 2018 Tax Threshold Estimates

Alan S. wrote:
Fri Sep 15, 2017 12:26 pm
These estimates are typically confirmed by the IRS in a few weeks.

http://news.cchgroup.com/2017/09/15/wol ... unts-2018/
Thanks, any word on 401k elective contribution limits and highly compensated employee definition?
by Thrifty Femme
Thu Sep 14, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 51891

Re: Equifax customer information leak

Munir wrote:
Thu Sep 14, 2017 5:43 pm
If my wife has the same last name and shares my address etc, does she need a separate freeze process or does my individual freeze automatically include her?
No, she needs to do her own freeze.
by Thrifty Femme
Sun Sep 10, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Guaranteed Fund As E-fund and Bonds?
Replies: 2
Views: 387

Guaranteed Fund As E-fund and Bonds?

I'm considering using this guaranteed fund in my 401k in place of a bond fund and as the third tier, 3 months of expenses, of my emergency fund. The first tier would be 1 month of expenses in regular checking, and the second tier would be 4 months of expenses high yield savings. Currently I have 1 m...
by Thrifty Femme
Sun Sep 03, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: How old were you when you got your first credit card?
Replies: 46
Views: 2276

Re: How old were you when you got your first credit card?

19 or 20. I got approved for a $4000 with maybe $4000 of income :?