Search found 7465 matches

by jeffyscott
Thu Dec 27, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: When to claim Social Security: two reasons not to wait
Replies: 108
Views: 16157

Re: When to claim Social Security: two reasons not to wait

ObliviousInvestor wrote:
Thu Dec 27, 2018 5:10 pm
The age of the deceased spouse at time of death would matter if he/she had not yet filed for retirement benefits.

In what way?
by jeffyscott
Thu Dec 27, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: When to claim Social Security: two reasons not to wait
Replies: 108
Views: 16157

Re: When to claim Social Security: two reasons not to wait

Obviously, the age (on the 62 to 70 continuum) when the higher earner claims his/her benefit determines the amount received. But does his/her claiming age affect the survivor benefit later received by the spouse in any other way? Doesn't the surviving spouse simply continue to get the same benefit ...
by jeffyscott
Thu Dec 27, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65312

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

Had to call Fidelity about an issue. Been on hold to get a human to answer for 20 minutes and counting I was on hold there when I read this. I don't know for how long, ate lunch and read email and forum posts while I waited with speaker phone on. My third attempt to deposit transfer is now in the m...
by jeffyscott
Thu Dec 27, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 7979

Re: TIPS yield curve inverted at short end

I plan to use TIPS (probably just an index fund) in my HSA. So looking at this little experiment as an advance investment of part of my 2020 HSA contribution. With the confidence instilled by the analyses here, I may decide to do a bit more of these short term TIPS for the same purpose, as I wouldn'...
by jeffyscott
Thu Dec 27, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: U-shaped CD yield curve?
Replies: 4
Views: 750

Re: U-shaped CD yield curve?

According to Magnify Money, based on our Zip code, the best 3 year CDs are currently yielding 3.60%, 4 year CDs are yielding a lower 3.51%, but 5 year CDs are yielding 3.75%. That seems wonky to me, but I'm not a CD expert. Maybe 4 year CDs are not as competitive as 3 and 5 year? There's a lot of d...
by jeffyscott
Thu Dec 27, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 7979

Re: TIPS yield curve inverted at short end

Doc wrote:
Wed Dec 26, 2018 6:46 pm
Which one is better if you need to sell in July 2019 year not January 2020?
Spreads are a little bigger for TIPS, but I wonder if a TIPS with (for example) 1 year remaining is also more volatile than a nominal, due to the inflation adjustments?
by jeffyscott
Thu Dec 27, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 7979

Re: TIPS yield curve inverted at short end

These three BEI values all correspond to the not-seasonally adjusted CPI. Calculating the BEI becomes more complicated if we want to think of the inflation rate in seasonally adjusted terms. That's one reason, I thought I'd try this with Jan 2020 rather than April, less seasonal adjustment as Kevin...
by jeffyscott
Wed Dec 26, 2018 10:34 pm
Forum: Investing - Theory, News & General
Topic: 100% stocks vs 80% just to rebalance? (Edit: Inside retirement accounts)
Replies: 24
Views: 2507

Re: 100% stocks vs 80% just to rebalance?

you cherry picked the absolute best time for bond-heavy portfolio and it still only manages to match that of 100% stocks. I was responding to this part of the OP's questions: Say, given a 10 year horizon, based on past performance, was it ever better (in terms of returns) to keep bonds vs being 100...
by jeffyscott
Wed Dec 26, 2018 8:35 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 7979

Re: TIPS yield curve inverted at short end

Doc, l would be buying mainly for educational and entertainment purposes. So the fact that it will have an insignificant financial impact is a desired feature.

I won't need to sell early, I have too much in 0% ibonds and those would be first to go.
by jeffyscott
Wed Dec 26, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: 100% stocks vs 80% just to rebalance? (Edit: Inside retirement accounts)
Replies: 24
Views: 2507

Re: 100% stocks vs 80% just to rebalance?

Lots of places to find this information, but even 40% bonds beat stocks over the period from 2000 to just a few years ago...oh wait, it's back ahead again as of Monday. So that's about 19 years with 100% stock losing to 60/40. http://i.imgur.com/xXFP6v1.png Which website is this from? Does it assum...
by jeffyscott
Wed Dec 26, 2018 5:22 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 7979

Re: TIPS yield curve inverted at short end

Click the Depth of Book icon next to the TIPS you're interested in. Thanks, I did not know that was the only way to get to smaller quantities at Fidelity. When I was looking and clicked depth of book at Fidelity, there were no smaller quantities shown for the one I was looking at. Must have just be...
by jeffyscott
Wed Dec 26, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 7979

Re: TIPS yield curve inverted at short end

We'll, I am looking at actually buying, so it'll be 1. When January 16, 2020 rolls around all that I will want to determine is: Was the break even inflation rate close to 0.8% or was it close to 2%? I think even with 1, that can be determined. If the actual price makes break even, say, 0.9%, instead...
by jeffyscott
Wed Dec 26, 2018 12:26 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 7979

Re: TIPS yield curve inverted at short end

Thinking I may buy one of these short-term TIPS, probably Jan 2020. I'd look at partly as an experiment, I can track what I get from it and see if it delivers 1.8% real and delivers more than a nominal would have (assuming inflation is >0.8%). I can not figure out how to get Fidelity to show me quot...
by jeffyscott
Wed Dec 26, 2018 10:23 am
Forum: Investing - Theory, News & General
Topic: Is there any Low Risk 4 % Return
Replies: 52
Views: 6397

Re: Is there any Low Risk 4 % Return

Actually, I see there is one 4% CD, CUSIP 40434YT64, matures 04/25/2031, though. Long term bond funds have yields above 4%, I would not call them low risk but lower risk than stocks, I'd not consider them appropriate for a short-term investment, nor would I count on getting 4% with a short term inve...
by jeffyscott
Wed Dec 26, 2018 9:23 am
Forum: Investing - Theory, News & General
Topic: 2019 S&P 500 earnings and 2019 CAPE
Replies: 7
Views: 1018

Re: 2019 S&P 500 earnings and 2019 CAPE

You can find shiller's data here: http://www.econ.yale.edu/~shiller/data.htm And once you download his spreadsheet, you can add whatever future assumed numbers you wish to on the lines below where the data currently ends and copy the formulas to project the future CAPE. But realize that this is not...
by jeffyscott
Wed Dec 26, 2018 9:13 am
Forum: Investing - Theory, News & General
Topic: 100% stocks vs 80% just to rebalance? (Edit: Inside retirement accounts)
Replies: 24
Views: 2507

Re: 100% stocks vs 80% just to rebalance?

Lots of places to find this information, but even 40% bonds beat stocks over the period from 2000 to just a few years ago...oh wait, it's back ahead again as of Monday. So that's about 19 years with 100% stock losing to 60/40.

Image
by jeffyscott
Tue Dec 25, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65312

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

My customer service experience has been crappy, as well. Latest being they mailed checks back to me saying they need a documentary letter.

Vanguard gave me poor service on a rollover. So in my case, I wish Schwab had started free HSAs, instead of fidelity.
by jeffyscott
Tue Dec 25, 2018 6:24 am
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 7979

Re: TIPS yield curve inverted at short end

This is basically saying that there is serial correlation in the monthly CPI index values, or as I phrased it earlier, that there is predictive power in past CPI index values. Yes, I think of it as the CPI index value on Jan 15, 2020 is expected to be, say, (1.02) x (CPI on 1/15/19). Then around th...
by jeffyscott
Mon Dec 24, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 7979

Re: TIPS yield curve inverted at short end

So taking the Jan 15 2020 TIPS as an example, my hypothesis (which I don't know how to do the math for) was: The 1/15/20 TIPS will be adjusted by the same inflation factor as the 1/15/19 TIPS, and then will have two more unknown adjustments. But that's not the way it works. I think you're in some s...
by jeffyscott
Mon Dec 24, 2018 7:04 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 248
Views: 21013

Re: Whose buying today? where's all the "dry powder" folks at? :)

I’m using the multpl data and I think for the author’s PE10 data, P is taken daily but the E is only annual: http://www.multpl.com/shiller-pe/faq http://www.multpl.com/s-p-500-earnings/ It appears to me that earnings figures may be updated monthly there too, based on table here: http://www.multpl.c...
by jeffyscott
Mon Dec 24, 2018 5:26 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 248
Views: 21013

Re: Whose buying today? where's all the "dry powder" folks at? :)

My IPS is PE10 valuation based. As of Next week PE10 will be within the range again I should be back to 60-65% stocks. What range, is it not still rather high at ~26? 2008 real earnings of $17 will drop out on Jan 1, allowing E10 to go up by about 10%, so PE10 will fall by about the same. Anything ...
by jeffyscott
Mon Dec 24, 2018 5:13 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 7979

Re: TIPS yield curve inverted at short end

What is the reason to buy TIPS with maturities less than a year? I can understand Grok's 30 years but 30 weeks, not so much. If you were going to get 2.35% real, as implied by the the WSJ quotes table or about 2.6% real as indicated in Kevin's chart, wouldn't that seem to be preferable to getting 2...
by jeffyscott
Mon Dec 24, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 248
Views: 21013

Re: Whose buying today? where's all the "dry powder" folks at? :)

letsgobobby wrote:
Mon Dec 24, 2018 1:59 pm
My IPS is PE10 valuation based. As of Next week PE10 will be within the range again I should be back to 60-65% stocks.
What range, is it not still rather high at ~26?
by jeffyscott
Mon Dec 24, 2018 2:35 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 7979

Re: TIPS yield curve inverted at short end

So taking the Jan 15 2020 TIPS as an example, my hypothesis (which I don't know how to do the math for) was: The 1/15/20 TIPS will be adjusted by the same inflation factor as the 1/15/19 TIPS, and then will have two more unknown adjustments. If we apply that one known adjustment to it, that will red...
by jeffyscott
Mon Dec 24, 2018 1:13 pm
Forum: Investing - Theory, News & General
Topic: Timing CD Buys
Replies: 19
Views: 2108

Re: Timing CD Buys

Yes, you can buy 1 on Fidelity, I have done that online. Some CD quotes do have higher minimums, though.

I just rummage and buy with fill or kill. I don't know if there is a way to submit a lower bid.
by jeffyscott
Mon Dec 24, 2018 12:47 pm
Forum: Investing - Theory, News & General
Topic: Adrian's Rule Revisited
Replies: 24
Views: 4798

Re: Adrian's Rule Revisited

Because in my view, this should be considered as I described above: Finally, a tolerable loss means, I think: What permanent loss are you willing to accept? not: What temporary decline, that you will surely recover in a year or two (because we secretly don't really believe stocks are risky) would yo...
by jeffyscott
Mon Dec 24, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 248
Views: 21013

Re: Whose buying today? where's all the "dry powder" folks at? :)

DrGoogle2017 wrote:
Mon Dec 24, 2018 12:27 pm
When I see it’s down again, everybody will be posting here, lol.
Yeah, I guess I don't really need to set any alerts, as long as I continue to spend too much time on here. :)
by jeffyscott
Mon Dec 24, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: Timing CD Buys
Replies: 19
Views: 2108

Re: Timing CD Buys

I have no idea of potential tax issues, I am only buying in tax deferred and secondaries have almost always been better deals, though it does take time to rummage through them. The rummaging is much easier on Schwab, as they show YTM net of commission right in their table of quotes. Downside of Schw...
by jeffyscott
Mon Dec 24, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 248
Views: 21013

Re: Whose buying today? where's all the "dry powder" folks at? :)

I’m going to be systematic about buying the dip. In the past year, all my buying the dips have made money, some big, some small. But going forward, I set to buy when it hits this value on the S&P500. Then keep buying until it hits this value. Almost non emotional about it. This coming year, I won’t...
by jeffyscott
Mon Dec 24, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 7979

Re: TIPS yield curve inverted at short end

The quoted yield I pulled from Schwab on Friday for the Treasury Bill maturing 1/15/2019 was 2.33%, which is in the ballpark of the calculated nominal TIPS yield of 1.94%. The nominal Treasury bill actually appears to have been a better deal. Thanks Kev! I assume without crunching the numbers that ...
by jeffyscott
Mon Dec 24, 2018 10:28 am
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9760

Re: When did the musicians on the titanic realize their fate?

I think there was perceptible fear on this site in late 2008 and 2009 and many started rationalizing their fears and potentially changing/altering strategies with posts like maximum tolerated losses (https://www.bogleheads.org/forum/viewtopic.php?t=30085). This is true. There is palpable fear on th...
by jeffyscott
Mon Dec 24, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Timing CD Buys
Replies: 19
Views: 2108

Re: Timing CD Buys

My understanding is that at Fidelity the commission is $1 per secondary CD so purchasing let's say approx $8,000 worth of CDs would result in an $8 commission. Is this correct? Yes. Does the yield on the Fidelity site factor in this commission or is it the yield before commission? The list will sho...
by jeffyscott
Sun Dec 23, 2018 12:06 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 7979

Re: TIPS yield curve inverted at short end

The TIPS maturing 4/15/2019 is beyond the 3-month lag window, so I don't know why the yield for that one is so high, even after adjusting for seasonality. I'm too lazy to search the threads where this has been discussed before, but this still might be short enough term that the yield is being disto...
by jeffyscott
Sun Dec 23, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 7979

Re: TIPS yield curve inverted at short end

I thought I should try to better explain part of what I was trying to get at in prior posts. Based on WSJ quote page, a Jan 15 nominal could've been bought on Friday for $999, on Jan 15, 2019 the purchaser would have $1000. Given that, I presume that if one put $999 into the Jan 15 TIPS, one would ...
by jeffyscott
Sun Dec 23, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 7979

Re: TIPS yield curve inverted at short end

I thought I should try to better explain part of what I was trying to get at in prior posts. Based on WSJ quote page, a Jan 15 nominal could've been bought on Friday for $999, on Jan 15, 2019 the purchaser would have $1000. Given that, I presume that if one put $999 into the Jan 15 TIPS, one would ...
by jeffyscott
Sun Dec 23, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9760

Re: When did the musicians on the titanic realize their fate?

dbr wrote:
Sun Dec 23, 2018 10:48 am
MJW wrote:
Sun Dec 23, 2018 2:08 am
Seems like the analogy is serving more as a distraction than a support for the premise.
Analogy is not often very useful for explaining investing. Just saying what something is tends to be better.
So maybe: When did people realize that 1929 was 1929?
by jeffyscott
Sun Dec 23, 2018 10:52 am
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 7979

Re: TIPS yield curve inverted at short end

I thought I should try to better explain part of what I was trying to get at in prior posts. Based on WSJ quote page, a Jan 15 nominal could've been bought on Friday for $999, on Jan 15, 2019 the purchaser would have $1000. Given that, I presume that if one put $999 into the Jan 15 TIPS, one would a...
by jeffyscott
Sun Dec 23, 2018 9:48 am
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 7979

Re: TIPS yield curve inverted at short end

Is it possible the shorter term ones (less than about 2 years) are priced the way they are in order to be competitive with nominal Treasuries and/or to account for the risk of short term deflation? Also isn't part of the current seasonality effect now known, so we know whether it is likely to be la...
by jeffyscott
Sun Dec 23, 2018 8:12 am
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 7979

Re: TIPS yield curve inverted at short end

Yeah, I mentioned it Thursday night but didn't get much interest. I still think it's fairly interesting though - something that I've never taken note of before, although I now see it also happened back in 2007-2009. TIPS have been inverted or flirting with inversion on the short end for weeks now, ...
by jeffyscott
Sat Dec 22, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9760

Re: When did the musicians on the titanic realize their fate?

2008-2009 was really awful. If it happens again it will be really awful again. I'm staying the course. I am trying to remember when 2008-09 actually started feeling like 2008-09. I am not sure when, but do know that I was down to rebabalancing by (seemingly) throwing away something like $250 daily ...
by jeffyscott
Sat Dec 22, 2018 8:37 am
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 175
Views: 11870

Re: All the "should I be 100% stocks" threads over the last year.

I'm man enough to admit I posted a "Why not 100% Emerging Markets?" thread here back in late 2007 when Emerging Markets had been in a massive bull market for 5 years and I was a 26 year old who had been investing less than 2 years at the time. I ALMOST (almost!) put my entire IRA in the FXI China E...
by jeffyscott
Sat Dec 22, 2018 6:34 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 290
Views: 138662

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

According to this article, if market keeps dropping it is possible in 15 months that treasury bills may have had the same 20 year return as the sp500. https://www.forbes.com/sites/robisbitts2/2018/12/21/why-the-next-15-months-are-so-critical-for-sp-500-index-fans/ The article is looking at price on...
by jeffyscott
Sat Dec 22, 2018 6:10 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65312

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

@classicjazzfan: You are reading too much into pages for standard Fidelity retirement and non-retirement accounts. HSA accounts are not mentioned and are more like a Cash Management Account (CMA). Both only have the FCASH FDIC option for core accounts. I talked to Fidelity precisely about this issu...
by jeffyscott
Fri Dec 21, 2018 6:38 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65312

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

. . . . Note that you will have to purchase the money market fund, it is not an option for the settlement account. They are using FDIC insured bank accounts as the only option for settlement . . . jeffyscott: Could you cite a source for your statement above? Unless I'm misreading the Fidelity pages...
by jeffyscott
Fri Dec 21, 2018 12:56 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65312

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

Rob54keep wrote:
Fri Dec 21, 2018 12:30 pm
Interesting, thanks. Is there a large time-lag from the time the funds are in the bank FDIC settlement account to the mutual fund option in Fidelity?
Should be just one business day for mutual funds.
by jeffyscott
Fri Dec 21, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65312

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

I have not read every post here but I assume I could just Fidelity Money-Market as a mutual fund option for the HSA? I will be using the HSA funds over the next 5 years (going into retirement). My understanding is that you can buy anything that Fidelity offers and you can certainly buy a money mark...
by jeffyscott
Fri Dec 21, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 248
Views: 21013

Re: Whose buying today? where's all the "dry powder" folks at? :)

I don't keep dry powder, but I did roth convert a bit over 20k yesterday. Guess that's equivalent to buying 20,000*current tax rate worth of equities. That's been my method to effectively add to EM and Foreign developed over the past 6 months. Unfortunately only had about $3-4K of Roth conversion p...
by jeffyscott
Fri Dec 21, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: Another age-based investing strategy to consider
Replies: 12
Views: 897

Re: Another age-based investing strategy to consider

My method was to start with minimal amount, like $25 or $50 per paycheck, to employer retirement account and then I just increased as pay increased. Thanks to some timely and significant pay raises and spouse becoming employed, hit the max after a few years, this was when max was like $7500 or $8000.
by jeffyscott
Wed Dec 19, 2018 2:38 pm
Forum: Investing - Theory, News & General
Topic: Timing CD Buys
Replies: 19
Views: 2108

Re: Timing CD Buys

Yeah, my question was whether it is possible to see how the current spread compares historically. I don't think there's a way to do that. https://www.bankrate.com/banking/cds/historical-cd-interest-rates-1984-2016/ https://www.treasury.gov/resource-center/data-chart-center/interest-rates/Pages/Text...
by jeffyscott
Wed Dec 19, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 860
Views: 65312

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

RickBoglehead wrote:
Wed Dec 19, 2018 9:05 am
Unlike the retail side of Fidelity, NetBenefits is not accessible via email or chat, only by phone call.
I have submitted several HSA questions via the online secure message system. Of course, one of the answers I got was incorrect. Have not tried chat.