Search found 1052 matches

by zeugmite
Sat Dec 01, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover
Replies: 26
Views: 2570

Re: HSA Rollover

Update on HealthEquity. They've been overcharging fees for months when I've had the minimum balance to waive fees. When I discovered it they only refunded the last month's fee but dragged their feet on prior months, making all sorts of ridiculous excuses. Only when I contacted my state's AG office d...
by zeugmite
Sun Nov 18, 2018 3:42 pm
Forum: Investing - Theory, News & General
Topic: MM fund interest starts on what date?
Replies: 2
Views: 342

Re: MM fund interest starts on what date?

It turns out it is neither. MM fund settlement is apparently on the same day as the purchase or redemption date (T+0), but interest starts and stops accruing generally with a one business day delay (day after purchase/settlement), and appears consistent with when money changes hands. In other words,...
by zeugmite
Fri Nov 16, 2018 3:11 pm
Forum: Investing - Theory, News & General
Topic: MM fund interest starts on what date?
Replies: 2
Views: 342

MM fund interest starts on what date?

Not sure if this is answered, but do MM funds start earning interest on the trade date or the settlement date?

Likewise when do they stop earning interest?
by zeugmite
Wed Nov 14, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Multiple HSA rollover(s)
Replies: 6
Views: 804

Re: Multiple HSA rollover(s)

Thanks TFB. Only if convenient, can you site a reference? I answered the same question here: http://thefinancebuff.com/how-to-rollover-an-hsa-on-your-own-and-avoid-trustee-transfer-fee.html#comment-14130 It links to IRC section 223(f)(5). This paragraph from the link was confusing, making it sound ...
by zeugmite
Sun Nov 11, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Increasing SS PIA by working again
Replies: 30
Views: 2505

Re: Increasing SS PIA by working again

According to our resident expert sscritic in an earlier post: https://www.bogleheads.org/forum/viewtopic.php?p=600554#p600554 ... OK, that's super helpful, I found some more once I knew the keyword was "recomputation". According to this , This automatic annual review usually occurs in the fall, aft...
by zeugmite
Sat Nov 10, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: Increasing SS PIA by working again
Replies: 30
Views: 2505

Re: Increasing SS PIA by working again

When is the PIA adjusted from working? Once a year when W2 records are available I assume, but what month? And if you've applied to start a certain month before they have records for the current year do they recalculate when the payments actually start (numbers on benefits letter do not include curr...
by zeugmite
Sun Nov 04, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: HSAs in California
Replies: 108
Views: 33022

Re: HSAs in California

Why does this have to be so hard. Health care, retirement saving - it's all ridiculous in the US. Agreed. Totally ridiculous. Looks like long-term Treasuries only in HSA is the way to go for CA residents. It's not going to be an account that grows that big to make any difference. Better to keep it ...
by zeugmite
Thu Nov 01, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover
Replies: 26
Views: 2570

Re: HSA Rollover

I used unknown as type. Regarding other comments, agreed that HE makes it hard because they are trying to (at least for me) push to the transfer which is $25 each time. Well planned once a year rollovers are good enough for a BH like me and now I know how, makes it easier. Also they used scare tact...
by zeugmite
Wed Oct 31, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover
Replies: 26
Views: 2570

Re: HSA Rollover

Thrifty Femme wrote:
Wed Oct 31, 2018 9:31 pm
HealthEquity sucks. They deliberately make it hard to leave. It took months to get my damn money out of there :annoyed
Agreed. What was the cause in your case?
by zeugmite
Wed Oct 31, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover
Replies: 26
Views: 2570

Re: HSA Rollover

So this is what happened... HealthEquity gave variable information each and everytime I reached out. Finally, I confirmed the way to do without paying a fee (at least for me) was to take a distribution. There is no option for that so take as reimbursement. It is complicated but I figured out the st...
by zeugmite
Tue Oct 30, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover
Replies: 26
Views: 2570

Re: HSA Rollover

I am here with an update, and it is very annoying on HealthEquity's end :annoyed Despite being on chat with them and processing the request for a distribution (annotated and commented by me for Rollover purposes), they froze the transfer and my account, claiming it was "fraud". No communication wit...
by zeugmite
Sat Oct 20, 2018 1:31 am
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 38
Views: 3653

Re: anybody sell I Bonds to buy something else?

Haven't thought this through but there should be a way to quantify the historically bad 0% fixed I-Bonds against alternatives. Like, taking into account tax deferral, what would alternatives have to be for those bonds to still be preferred over their remaining years? Probably only if there were long...
by zeugmite
Sat Oct 13, 2018 12:17 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 344
Views: 50739

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

Just now created a Lively account. There IS a $25fee for 'early' account closure if closed within 12months listed in the Choice Bank Terms, approx page 15. Just wanted to give all a heads-up. Upon application completion, a popup indicated account setup would take 1-2 days. I did not link existing b...
by zeugmite
Fri Oct 12, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 344
Views: 50739

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

Looks like, business model fears aside, Lively is the hands down winner, provided you like the TDA commission-free ETF's. RE: how they make money, I don't know -- how much is the expense of bookkeeping an HSA really? Sometimes tech is just much cheaper.
by zeugmite
Fri Oct 12, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 67
Views: 9265

Re: The Best HSA

So is there a conclusion yet? I mean all HSA's have a fee structure of $X fixed fee + $Y min at R% checking rate + Z% investment account fee and average fund ER. Why is there no list based on the four variables X, Y, R, and Z? You can then impute the fee rate as [$X + $Y * (current MM rate - R%)]/$Q...
by zeugmite
Fri Oct 12, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare [Can I contribute to a Health Savings Account?]
Replies: 29
Views: 2887

Re: Medicare

Not necessarily true. If you enroll in Medicare after age 65 whether because you start receiving Social Security benefits or you enroll voluntarily. You are retroactively enrolled in Medicare by up to 6 months. but not before age 65. This retroactive Medicare enrollment is automatic and can not be ...
by zeugmite
Wed Oct 10, 2018 4:18 pm
Forum: Investing - Theory, News & General
Topic: Any natural hedges to stocks?
Replies: 18
Views: 2092

Re: Any natural hedges to stocks?

Positive yielding hedges? Probably only cash at this point.
by zeugmite
Thu Sep 27, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America Merrill Edge Up to $900 Bonus for Preferred Rewards Clients
Replies: 38
Views: 4206

Re: Bank of America Merrill Edge Up to $900 Bonus for Preferred Rewards Clients

I'm an existing platinum status customer having done a roll over ira 2 years back. Can I do one more roll-over IRA and add additional money to my current one and get the bonus? Yes. Existing accounts are eligible. This is back, by the way. Also, they are not allowing it if you had two existing bonu...
by zeugmite
Tue Sep 25, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: GOVT iShares U.S. Treasury Bond ETF
Replies: 2
Views: 401

Re: GOVT iShares U.S. Treasury Bond ETF

It's more volatile than IEI and yields 1 basis point less, so...
by zeugmite
Tue Sep 25, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: Changing cost basis from Average Cost to Specific ID
Replies: 38
Views: 5731

Re: Changing cost basis from Average Cost to Specific ID

So has there been a consensus? It turns out you have to have (I'm assuming) selected SpecID beforehand for you to be able to sell with SpecID online (no sales at all previously). You cannot choose it at the time of sale if you got defaulted into AvgCost, even for covered shares. There is some proces...
by zeugmite
Wed Sep 19, 2018 9:51 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 227994

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Today I found out Merrill Edge has a $25k limit on daily withdrawal of settled cash when performed online (okay... have to call), and also a $50k daily limit on transferred in cash being made available (what?). Caveat emptor. Are other brokers equally ridiculous in setting limits? I know I've never...
by zeugmite
Wed Sep 19, 2018 6:34 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 227994

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Today I found out Merrill Edge has a $25k limit on daily withdrawal of settled cash when performed online (okay... have to call), and also a $50k daily limit on transferred in cash being made available (what?). Caveat emptor. Are other brokers equally ridiculous in setting limits? I know I've never ...
by zeugmite
Wed Sep 19, 2018 12:05 am
Forum: Investing - Theory, News & General
Topic: Are TIPS yields good yet?
Replies: 15
Views: 1533

Are TIPS yields good yet?

5 year at 0.93%, up from 0.79% just two weeks ago. Curve very flat (30 year at 1.05%), is 5 year TIPS considered a good buy now by experts here? Also what does that imply about I-bond fixed rate in November?
by zeugmite
Wed Sep 05, 2018 2:37 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 151
Views: 18073

Re: Fidelity Full View transition to eMoney

Just happened today for me. Seems like manually entered amounts (other assets and debts) are all gone, too? Or are they hiding somewhere. Though I never took this feature seriously, I too am disappointed that there was not an opportunity to save the history or a screenshot of prior manual settings....
by zeugmite
Wed Sep 05, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 151
Views: 18073

Re: Fidelity Full View transition to eMoney

Welcome! I don't have Fidelity, but be careful here. You are moving your life's savings over a disagreement on how they manage their website. Search this forum and you'll find plenty of complaints about Vanguard's website, not to mention poor customer service. You'll find members moving to Fidelity...
by zeugmite
Wed Sep 05, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 151
Views: 18073

Re: Fidelity Full View transition to eMoney

Just happened today for me. Seems like manually entered amounts (other assets and debts) are all gone, too? Or are they hiding somewhere. Though I never took this feature seriously, I too am disappointed that there was not an opportunity to save the history or a screenshot of prior manual settings.
by zeugmite
Sat Aug 18, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 227994

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

So i recently did the reverse (Vanguard MFs from ME to VG), and the fractional MF shares were sold at Merill. Very small amounts, but I'm not sure who was responsible for the sale -- i.e. did VG refuse to accept fractionals so ME sold them, or is it the case that ME is unable to send fractionals. I...
by zeugmite
Fri Aug 17, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 227994

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Finally received ME bonuses from last December's offer, just want to report that I had to contact their customer support to get them to pay the full amount because, as I suspected then, the broker assigned to the account is a total liar and probably maliciously handled the account to assign a commis...
by zeugmite
Mon Aug 13, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 261
Views: 24684

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Just want to hop in and say this is one of the best tools I've seen on this topic. Most people, even if they're eligible for a restricted application, have no idea about it -- even though we've been discussing the concept here for the last several years. Most people don't know that it's more advanta...
by zeugmite
Mon Aug 13, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Applying for Social Security Online
Replies: 44
Views: 5188

Re: Applying for Social Security Online

UPDATE: Checked and DW completed the online application for SS on 6/11/2018. She checked on the status of her application today. Found it was approved yesterday and the first direct deposit was made today (has not shown up in our [joint] account yet). So about a 2 week turnaround...pretty good for ...
by zeugmite
Mon Aug 13, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Applying for Social Security Online
Replies: 44
Views: 5188

Re: Applying for Social Security Online

Those who have gone through the process, what's the earliest date you can choose to begin receiving payments if you apply at a given time (assuming eligibility checks out), i.e. what's the minimum processing time?
by zeugmite
Sat Aug 04, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Why won't Fidelity allow FDRXX as "core account" i
Replies: 18
Views: 14891

Re: Why won't Fidelity allow FDRXX as "core account" i

It looks like there was never any answer to this. There have also been some changes after the MM fund regulations were put in place last year or the year before, so core funds are all government securities now, no munis, no commercial paper. The choices I have are as follows: - On taxable accounts I...
by zeugmite
Wed Aug 01, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78610

Re: New Fidelity Fund 0.00 ER

Wow yeah, even the MM fund that I bought for brokerage checking no longer has a minimum, making one fewer thing to worry about for such banking use. Which MM is that? I see that their highest-yielding "Prime" ones still have $100,000 and $1,000,000 minimums.... The ones that were $2500 to buy, $150...
by zeugmite
Wed Aug 01, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78610

Re: New Fidelity Fund 0.00 ER

As a Fidelity customer I just checked and it appears they are no longer having a minimum for any of there mutual funds including this and they have dramatically slashed all there fees. Example total international(FTIGX) went from .17 yesterday to .06 today. Wow yeah, even the MM fund that I bought ...
by zeugmite
Wed Jul 25, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 58
Views: 17261

Re: Review after one month with Fidelity Cash Management

Furthermore, there is the Cash Management feature of pulling in from an external bank account once the account falls below some amount. When that happens, does it behave like any other ACH pull deposit, i.e. it will sit there unavailable for days?
by zeugmite
Wed Jul 25, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 58
Views: 17261

Re: Review after one month with Fidelity Cash Management

Fidelity Cons - Slow to clear (cash available) deposited checks / pulled or incoming transfers, sweep sometimes slow (except direct deposit) - Have to mail or drop off checks larger than 50K , however, was treated very nicely at fidelity branches which are nearby - Mobile app is not bad, on-line so...
by zeugmite
Tue Jul 24, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Checking Account - Fidelity CMA vs. Schwab?
Replies: 44
Views: 5615

Re: Joint Checking Account - Fidelity CMA vs. Schwab?

Not sure what you did but I just initiated the link between Ally and Fidelity CMA and it took "Checking" ... Also I was able to link it up with Schwab without any troubles (trial deposits showed up the next day). Let's see if Ally's trial deposits go through... You are pasting in account number as ...
by zeugmite
Tue Jul 24, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Checking Account - Fidelity CMA vs. Schwab?
Replies: 44
Views: 5615

Re: Joint Checking Account - Fidelity CMA vs. Schwab?

I had the impression that a Fidelity CMA uses an FDIC-insured bank account for the core account. A few days ago I tried adding the Fidelity CMA account at Ally as an external ACH account. First it wouldn't take it as "Checking", then I selected "Money Market Checking" and it took it, recognized the...
by zeugmite
Sat Jul 21, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Checking Account - Fidelity CMA vs. Schwab?
Replies: 44
Views: 5615

Re: Joint Checking Account - Fidelity CMA vs. Schwab?

For those with Fidelity CMA, does it work for direct credit card payments, i.e., is there a routing number and account number to withdraw from (not to deposit into, I know that exists, and also not BillPay)?
by zeugmite
Sat Jul 21, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Checking Account - Fidelity CMA vs. Schwab?
Replies: 44
Views: 5615

Re: Joint Checking Account - Fidelity CMA vs. Schwab?

I have a Schwab checking account and I love it. Note that the Schwab checking account is a real checking account issued by Schwab Bank, whereas the Fidelity CMA is not a checking account, it is a brokerage cash management account. How does overdraft work with Schwab? For example, can I keep most of...
by zeugmite
Sat Jul 21, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Checking Account - Fidelity CMA vs. Schwab?
Replies: 44
Views: 5615

Re: Joint Checking Account - Fidelity CMA vs. Schwab?

These were ATM withdrawals. I read the flyertalk thread and there seemed to be conflicting information received from different Fidelity reps on the subject of the 1% fee. I have some data from 2014 for the rates I received exchanging $ to euros. I remember looking up interbank rates at the time and...
by zeugmite
Fri Jul 13, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: International Stock and Currency Issues
Replies: 41
Views: 3194

Re: International Stock and Currency Issues

Currency risk is bounded by Purchasing Power Parity (PPP) and thus mean reverting. Due to the mean reverting tendencies of Purchasing Power Parity, Dimson, Marsh and Staunton have pointed out that, over the long haul, currencies essentially reflect relative inflation rates (chart below). For long-t...
by zeugmite
Mon Jul 02, 2018 2:37 pm
Forum: Investing - Theory, News & General
Topic: Treasury Direct website down all day (7/1)
Replies: 23
Views: 2074

Re: Treasury Direct website down all day (7/1)

Stuff goes down, bank websites go down too. Can't imagine a situation (especially for heirs) where paper is more convenient (or for that matter, more liquid) than electronic in transactions. Heck, most physical banks don't even open on weekends.
by zeugmite
Mon Jul 02, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 245
Views: 24068

Re: 1800 Commission-Free ETFs

I wonder how this gets paid for. Fund supermarket access fees by providers? Payment for order flow? Internalization, i.e. market-making (most likely)?
by zeugmite
Thu Jun 28, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Using Plastiq? [Payment service]
Replies: 34
Views: 7822

Re: Using Plastiq?

3 payment attempts through Plastiq with the so-called fee dollars have been a miserable failure. The first attempt was charged and automatically cancelled 2 days later - only the statement closed in between those dates. The second time, Plastiq claims to have mailed a check on 7/14. By 8/1, after t...
by zeugmite
Thu Jun 14, 2018 1:35 pm
Forum: Investing - Theory, News & General
Topic: Why market drop when Fed announced rate increase?
Replies: 19
Views: 2719

Re: Why market drop when Fed announced rate increase?

I would like to know what factors it will take for 10-year treasury yield to get over 3% and actually stay there. Everyone seemed to predict the last time the FFR was raised that might do it, but it wasn't enough. Long-term rates are influenced by growth prospects and inflation expectation. Raising...
by zeugmite
Wed Jun 13, 2018 4:18 pm
Forum: Investing - Theory, News & General
Topic: Why market drop when Fed announced rate increase?
Replies: 19
Views: 2719

Re: Why market drop when Fed announced rate increase?

Futures markets were pricing in between 3 to 4 interest rate hikes this year. The Fed now project 4 this year (more than markets anticipated) and generally moving up the timetable of hikes. Prices are adjusting to this news.
by zeugmite
Tue May 29, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 89
Views: 82789

Re: What happens when car accident claim exceeds insurance limits?

Generally, is there any reason to get liability coverage beyond your assets less exemptions? I guess you have to factor in the cost of bankruptcy and moral obligations, etc., but financially is that the rational extent to which one should be insured? (Saw some earlier posts mentioning being insured...
by zeugmite
Tue May 29, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 89
Views: 82789

Re: What happens when car accident claim exceeds insurance limits?

If you're responsible the other party could to go after you for the rest. That's why we have umbrella policies. Can they accept the settlement from the insurance company (up to policy limits) and then hold you personally liable for the rest? Or do they have to take one or the other? They have to ta...
by zeugmite
Tue May 29, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 89
Views: 82789

Re: What happens when car accident claim exceeds insurance limits?

Generally, is there any reason to get liability coverage beyond your assets less exemptions? I guess you have to factor in the cost of bankruptcy and moral obligations, etc., but financially is that the rational extent to which one should be insured? (Saw some earlier posts mentioning being insured ...