Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 07-30-2016, 04:32 PM   #121
Thinks s/he gets paid by the post
 
Join Date: May 2008
Posts: 3,169
Quote:
Originally Posted by audreyh1 View Post
It has nothing to do with working.

When you file your federal taxes, there is a form for HSA contributions, and these get taken off your taxable income just like an IRA or 401K contribution. You don't pay Federal Income taxes on those contributions.

If you didn't do that on your tax returns you might want to refile and get the refund you are owed.

There is no way to contribute after tax dollars to an HSA account.
Thanks, it appears I missed the question in TurboTax or it didn't display the screen to enter it the first time around.
__________________

__________________
explanade is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 07-31-2016, 07:03 AM   #122
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Vermont & Sarasota, FL
Posts: 14,967
Quote:
Originally Posted by Sue J View Post
....the ONLY thing I like about them is that they offer Vanguard funds. What I don't like is they have the worst website. The lack of info on transactions is the dumbest thing I've ever seen. I also told them I didn't like that the $45 fee had to come out of the account rather than being paid from outside money. I never found how to change that.
+1 I recall in some past years receiving a bill for the $45 and paying it from our taxable funds but this year it just came out of the account. I have been considering a change if I could find a better provider. I went with them because they had Vanguard funds and as others have, my solution to their pathetic website and high fees is to just interact with them as little as possible.

Does anyone here have a Fidelity HSA? If so, what is your experience? How much are their fees?
__________________

__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
pb4uski is offline   Reply With Quote
Old 07-31-2016, 07:33 AM   #123
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
audreyh1's Avatar
 
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 15,116
Fidelity HSA is not available to individual investors.
__________________
Well, I thought I was retired. But it seems that now I'm working as a travel agent instead!
audreyh1 is offline   Reply With Quote
Old 07-31-2016, 07:35 AM   #124
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
easysurfer's Avatar
 
Join Date: Jun 2008
Posts: 7,453
Quote:
Originally Posted by pb4uski View Post
+1 I recall in some past years receiving a bill for the $45 and paying it from our taxable funds but this year it just came out of the account. I have been considering a change if I could find a better provider. I went with them because they had Vanguard funds and as others have, my solution to their pathetic website and high fees is to just interact with them as little as possible.

Does anyone here have a Fidelity HSA? If so, what is your experience? How much are their fees?
I do the same about interacting with their website as little as possible. I use their site when I issue a withdrawal but for contributions and statements I go the old paper, pre-online method of writing a check and receiving paper statements.

Hopefully, if enough people tell on the survey that their website is so difficult to use, that they will make an improvement.
__________________
Have you ever seen a headstone with these words
"If only I had spent more time at work" ... from "Busy Man" sung by Billy Ray Cyrus
easysurfer is offline   Reply With Quote
Old 07-31-2016, 07:40 AM   #125
Thinks s/he gets paid by the post
 
Join Date: May 2014
Posts: 2,580
Quote:
Originally Posted by Ginny View Post
I have not been notified of a change of custodians. Last year was my first contribution.

Another reason I am glad I am on this forum. I am less than OMY or <OMY!! So this may be my second and last contribution.
Not necessarily. I retired two years ago at age 61 and am still making tax-deductible contributions because I have an HSA-eligible individual plan ($5,000 deductible).
__________________
athena53 is offline   Reply With Quote
Old 10-22-2016, 11:12 AM   #126
Thinks s/he gets paid by the post
 
Join Date: May 2008
Posts: 3,169
Finally another statement, this for July to September.

They took out $5.56 in fees for the period.

But YTD fees are $56.75!

What happened to $45 per year?
__________________
explanade is offline   Reply With Quote
Old 10-22-2016, 11:28 AM   #127
Thinks s/he gets paid by the post
 
Join Date: Feb 2007
Posts: 2,341
The $45 is an annual fee. The other is a quarterly fee based on the size of your account. I don't have much in there so mine was just $1.71.

What kind of a financial institution doesn't tell you the date and amount of a transaction? This is the clumsiest bank I've ever dealt with.
__________________
Married, both 62. DH retired June, 2010. I have a pleasant little part time job.
Sue J is offline   Reply With Quote
Old 10-22-2016, 12:06 PM   #128
Thinks s/he gets paid by the post
 
Join Date: May 2008
Posts: 3,169
Well my balance is under $10k. Only been contributing 2 years.

So if YTD is $56, looks like the whole year will be like $75 or so.

I haven't done any withdrawals or any kind of transactions other than making the annual contributions.

Fees seem high.
__________________
explanade is offline   Reply With Quote
Old 10-22-2016, 12:28 PM   #129
Dryer sheet aficionado
 
Join Date: Jul 2012
Posts: 48
Quote:
Originally Posted by explanade View Post
Fees seem high.

This is why I left HSAdministrators a year or so ago. At HSA Bank with a TD Ameritrade investment account holding Vanguard ETF's. Less expensive and easier to work with (IMO).
__________________
jarts98 is offline   Reply With Quote
Old 10-22-2016, 12:45 PM   #130
Thinks s/he gets paid by the post
 
Join Date: May 2008
Posts: 3,169
Do you have access to Admiral shares at TD Ameritrade?

Wonder how the expense ratios compare to ETFs.

Does Ameritrade charge commissions on buying ETFs?
__________________
explanade is offline   Reply With Quote
Old 10-22-2016, 05:25 PM   #131
Dryer sheet aficionado
 
Join Date: Jul 2012
Posts: 48
Quote:
Originally Posted by explanade View Post
Do you have access to Admiral shares at TD Ameritrade?

Wonder how the expense ratios compare to ETFs.

Does Ameritrade charge commissions on buying ETFs?

TD Ameritrade uses ETF's, not mutual funds (thus no Admiral shares). But they are the same ETF's as you'd buy from Vanguard, so the expenses are the same.

Commission free trades for many ETF's, including many Vanguard ETF's. I do leave $5k in HSA Bank to avoid all of their fees, but I count that as a part of my bond allocation in the HSA. You can leave less and pay a small fee.....still smaller than the fees at HSA Administrators.
__________________
jarts98 is offline   Reply With Quote
Old Yesterday, 03:46 PM   #132
Thinks s/he gets paid by the post
 
Join Date: May 2008
Posts: 3,169
Anyone having problems accessing the web site?

I only log in once a month or so, to see if there's been any deductions for maintenance or DRIP.

Every damn time, it rejects my password so I reset it to the one I set up the login with.

Well last month and now this month, resetting doesn't send me an email with the reset link.

So I had to call in and have them manually reset the password.

Now I can't log in and can't reset so I'll have to wait until Monday.

I don't know what their IT problem is.
__________________
explanade is offline   Reply With Quote
Old Yesterday, 03:54 PM   #133
Moderator
MichaelB's Avatar
 
Join Date: Jan 2008
Location: Second City Land
Posts: 23,280
Saw your post, tried to log in to my HSA Bank account *the custorian of HSA Administrators?) , could not, got this message:
Quote:
Evolution1 1CloudThis website is undergoing system enhancements and is temporarily unavailable. Please try back later.
I recall having difficulties logging in outside of banking hours (but this may be a false memory). Anyway, I would not call their online systems "robust". More like "bare bones".
__________________
MichaelB is online now   Reply With Quote
Old Yesterday, 04:27 PM   #134
Moderator
rodi's Avatar
 
Join Date: Apr 2012
Location: San Diego
Posts: 8,148
You made me look. I was able to log on... but I always go to this website
https://hsaa.ipx-sys.com/Login.aspx

It never seems to work if I go to the HealthSavings.com website... so I've saved off the link (above) that seems to get me directly to the logon screen.
__________________
Retired June 2014. No longer an enginerd - now I'm just a nerd.
micro pensions 7%, rental income 18%
rodi is offline   Reply With Quote
Old Yesterday, 04:47 PM   #135
Thinks s/he gets paid by the post
 
Join Date: May 2008
Posts: 3,169
Quote:
Originally Posted by rodi View Post
You made me look. I was able to log on... but I always go to this website
https://hsaa.ipx-sys.com/Login.aspx

It never seems to work if I go to the HealthSavings.com website... so I've saved off the link (above) that seems to get me directly to the logon screen.
Yeah I've saved that link too.

It doesn't like my password.

Every month I've been resetting it to the one I wanted and I finally log on, check for statements and so on, log off, then try logging back on.

It works.

But then I don't log on again for about a month and always run into problems.
__________________

__________________
explanade is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
HSAAdministrators New Custodian TromboneAl Health and Early Retirement 2 08-10-2015 06:17 PM
Health Savings Administrators - new custodian easysurfer FIRE and Money 12 11-26-2012 06:46 PM
To Moderators and Administrators obgyn65 Forum Admin 48 02-08-2012 06:38 PM
Thanks to our Moderators/Administrators!!! Midpack Other topics 54 12-29-2010 02:45 PM
Dear Administrators kat Forum Admin 10 06-27-2007 12:34 PM

 

 
All times are GMT -6. The time now is 06:33 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.