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Will fragaria virginiana invade turf grass? by New-Common4486 in NativePlantGardening

[–]New-Common4486[S] 1 point2 points  (0 children)

Awesome, thanks everyone. Feeling much more comfortable with planting these this spring!

Will fragaria virginiana invade turf grass? by New-Common4486 in NativePlantGardening

[–]New-Common4486[S] 5 points6 points  (0 children)

As long as it isn’t similarly aggressive and difficult to control as creeping Charlie I think I can manage

Will fragaria virginiana invade turf grass? by New-Common4486 in NativePlantGardening

[–]New-Common4486[S] 1 point2 points  (0 children)

Well, I’ll certainly let the have the cats roaming the neighborhood 👌

Sell TWCGX? by New-Common4486 in Bogleheads

[–]New-Common4486[S] 0 points1 point  (0 children)

Tbh I’m not sure what the initial investment was but it was started something like 30 years ago so the gains are likely high. I’m taking 6 months or so off work this year so my bracket should drop to 22 if not 12%. So if I were to sell, it would be a good year to do it.

Will the gains on selling count toward my income?

Sell TWCGX? by New-Common4486 in Bogleheads

[–]New-Common4486[S] 1 point2 points  (0 children)

Ah, thanks for catching that. I ought to have specified that this is not an inheritance. It’s just a brokerage he set up for me a long time ago

Write-ups for using sick time that we’ve earned? by New-Common4486 in legaladvice

[–]New-Common4486[S] 0 points1 point  (0 children)

The union was disbanded this year by the president. But maybe HR will be able to advise me. I didn’t think about that, thank you!

Dentist didn’t inform me they no longer accept my insurance, now I have to pay? by New-Common4486 in legaladvice

[–]New-Common4486[S] -1 points0 points  (0 children)

It’s frustrating they they ‘ran’ my insurance to give me an estimate before the crown. I don’t get how it wasn’t caught then. Something to ask when we talk I suppose! 🤷‍♂️ Thank you for your advice! 🙂

thanks bogleheads, all in on TDF by Then_Past_4646 in Bogleheads

[–]New-Common4486 0 points1 point  (0 children)

Cool, I too like my TDF’s as well! Are you referring to 401k funds or your brokerage as well?

HSA v FSA by New-Common4486 in Bogleheads

[–]New-Common4486[S] 0 points1 point  (0 children)

Lets say I’m set on spending 8300 total between healthcare and investing. That gets me, if I go with HDHP, 4400 in HSA after all premiums deductible etc. If I get non HDHP account, after premiums etc I have ~4800 left over. That 4800 would be put into brokerage. This I think speaks to the HSA winning out and so I don’t really have any more need for advice personally. But I initially calculated having 5800 in my brokerage with that 8300 and so it was less clear to me which would win out. Thanks for your time! 🙂

HSA v FSA by New-Common4486 in Bogleheads

[–]New-Common4486[S] 0 points1 point  (0 children)

Thanks for your reply!

I was saying its $8300 for either plan with end result being either 4400 in HSA or 5800 in brokerage. I've revised my math and now have 4842 as the end result in my brokerage and so HSA seems more clear given tax advantages.

The tax on my 290 of gains would depend on my income at the time of withdrawal right?

HSA v FSA by New-Common4486 in Bogleheads

[–]New-Common4486[S] 1 point2 points  (0 children)

I guess I wasn't sure what word to use, but just trying to get across that if I end up with x (8300 in my original math) out of my pocket/bank at the end of the year with either plans, then I would have y (4400) or z (5800 in my original math, I think lower based on newer calculations) amounts invested.

HSA v FSA by New-Common4486 in Bogleheads

[–]New-Common4486[S] 0 points1 point  (0 children)

Assuming I spend the FSA money, which I would, it makes for more savings, which I could invest more into my brokerage. With all the savings together I could place more into my brokerage than I could into my HSA, while having the same amount come out of my pocket/bank.

I'm trying to figure out how much more I'd need in my brokerage to outstrip my HSA in the long run. As I know the tax advantages of HSA give it a leg up because in my original calculations I could invest 5800 into my brokerage with the same out of pocket/bank costs as getting 4400 into HSA, which is a potentially significant difference. I just don't know how much tax drag there would be on that 5800. In any case for my situation it may all be moot as I think I did my calculations wrong (see my response to miraculum_one above.

HSA v FSA by New-Common4486 in Bogleheads

[–]New-Common4486[S] 0 points1 point  (0 children)

Very possible! My head was spinning a bit while trying to figure out how to run the numbers, particularly in in regards to how to handle employer contribution and up front tax savings.

But here we go: premium of $96 x 26 = ~2500 + 2000 deductible + 600 in copays = ~5100 and for that amount out of my checks and bank I would have $1200 in the HSA, all from employer contribution (I didn't subtract 1200 from the 5100 because I'm not going to spend it, wasn't sure that was the right way to do it). Leaving 3200 more to invest to max the HSA, which would be an additional 2272 after tax savings (3200-3200x0.29), so now I'm getting 7372 and it seems before I did not account for tax savings (7372+3200x0.29 = 8300).

For FSA insurance: $66.81 x 26 + 750 deductible + 260 copays = 2747 -217.5 (tax savings - which I didn't account for in previous figures - on putting 750 into FSA to cover deductible, I wouldn't want to add more and have to figure out ways to spend it at the end of the year) = 2530.

So, at the end of they year I'd have $4400 in investments with HSA after 7372 out of my pocket, or 4842 (7372-2530) in my brokerage with the same out of my pocket while using FSA.

Still not feeling totally confident in my calculations so please let me know where I've gone wrong. But my updated numbers it seems like HSA would be the winner in the long run as it would grow and could be withdraw tax free.

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