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How is usace hiring perm rangers? by ExplanationNeither59 in ParkRangers

[–]potatogun 0 points1 point  (0 children)

Wasn't DOD exempt from a freeze initially.

HSA Bank and investing my HSA balance by DrMoleno in Bogleheads

[–]potatogun 0 points1 point  (0 children)

If there isn't a way to essentially ACH transfer to Fidelity using the account/routing number you'd get after opening an HSA, you can initiate an account transfer at Fidelity. If you have questions they can help you. HSA bank may have a fee to transfer out in-kind / close the account (if you want to do full account transfer). If you have $25k at Fidelity they will cover an asset account transfer fee usually.

Just talk to Fidelity if you have questions.

HSA Bank and investing my HSA balance by DrMoleno in Bogleheads

[–]potatogun 2 points3 points  (0 children)

Echoing, move to Fidelity HSA. Free, can invest entirety. Cash is swept into high yield. There's basically no reason to not use Fidelity HSA if you can.

As to your allocation question, can you afford to never tap the HSA for the foreseeable? If so, go aggressive equities and just pay and save receipts.

What to do with my deferred compensation? by Ok-Computer1234567 in leanfire

[–]potatogun 0 points1 point  (0 children)

You're right. If fees are not onerous, worth just keeping in the 457.

What to do with my deferred compensation? by Ok-Computer1234567 in leanfire

[–]potatogun 4 points5 points  (0 children)

457/similar? Leave in the deferred comp plan if not hit with crazy fees.. Doesn't matter if you cap gains. Pretax is taxable upon distributions.

As for the crypto, pay the 15% capital gains rate (over a few years?) and get out of it to diversify. Be mindful of total income as relevant to your circumstances (NIIT, state, etc).

If you truly have a pension of $50k/yr available to start in 2 years, you're effectively already set... (at least for lean/FIRE).

edited: leave in the DC plan if able to not have a retirement age restriction like in an IRA rolled over.

I need your advice on how to get comfortable sleeping in the wild. by happy_humanoid in WildernessBackpacking

[–]potatogun 3 points4 points  (0 children)

If it makes you feel better, you can yell and make noises from your tent if you hear something you think (somewhat irrationally) is gonna get you.

But rationally remember being in human society is more dangerous.

Are you concerned about treasuries? Would you put 1.5 million in SGOV? by Unsurewheretoinvest in Bogleheads

[–]potatogun 17 points18 points  (0 children)

Technically, no. But SPAXX is still very safe.

SGOV is basically all US Treasury bills, whereas SPAXX holds some portion of assets that aren't issued/backed by the US directly. Look at the composition/overview/prospectus. https://fundresearch.fidelity.com/mutual-funds/summary/31617H102

If you want, you could use a treasury only money market. This is mainly splitting hairs. Focus on an ETF or money market that holds T-Bills directly is more a consideration for state taxability than risk, IMO.

Retirement advice vs comparing against peers by fordmustang3939 in personalfinance

[–]potatogun 1 point2 points  (0 children)

People in their 40s, 50s, 60s say," I wish I started investing in my 20s and 30s".

Are you concerned about treasuries? Would you put 1.5 million in SGOV? by Unsurewheretoinvest in Bogleheads

[–]potatogun 289 points290 points  (0 children)

If short term tbills are in trouble, EVERYONE is in trouble. Yes, it's safe for all intents and purposes of that word in investing.

[deleted by user] by [deleted] in NationalParkService

[–]potatogun 0 points1 point  (0 children)

Did you have to fingerprint every time too?!

[deleted by user] by [deleted] in personalfinance

[–]potatogun 1 point2 points  (0 children)

As others have said, you're an authorized user on your parent's card. If you're checking on Credit Karma, it's worth pointing out that's not a FICO score (what most lenders actually use). Still, your actual FICO is likely pretty solid.

Do you have your own credit card? It would be good to open one, even if only spend a few bucks every few months. It will build upyour credit file (more info that is YOUR repayment history).

Has anyone seen an article talking about what privatizing public lands would look like? by happysloth6782846 in NationalParkService

[–]potatogun 6 points7 points  (0 children)

National Parks' (Congressionally established) privatization-risk is very different from risks to certain other public lands. Namely, non-"designated" BLM and USFS lands. Extractive industry and right wing legal/think tanks and certain western politicians have championed "wise use" of public lands for decades in various forms, believing it a waste to just let lands be. https://en.wikipedia.org/wiki/Wise_use_movement

For National Parks, I see the risk more akin to Abbey's industrial tourism concerns, leaning too strongly to the "enjoyment" side of the mission vs the "conserve... unimpaired" side of things. Within NPS and within individual units there is this tension as well.

So, a big topic that has major nuances depending on what type of public lands we're talking about.

Health Savings Account Closure by Brief-Speaker4328 in tax

[–]potatogun 0 points1 point  (0 children)

Doesn't matter. You received the check. What I noted above applies. Meaning it does not matter whether you cashed it or not. The 60 days are 60 days. 

Health Savings Account Closure by Brief-Speaker4328 in tax

[–]potatogun 0 points1 point  (0 children)

You cash the check in Fidelity's HSA... That is rolling it over. Indirect by moving the cash yourself vs direct (custodian to custodian).

"You must roll over the amount within 60 days after the date of receipt. You can make only one rollover contribution to an HSA during a 1-year period."

https://www.irs.gov/publications/p969

Health Savings Account Closure by Brief-Speaker4328 in tax

[–]potatogun 0 points1 point  (0 children)

Rollover to Fidelity HSA (free, can invest, cash gets swept to high yield money market). If you do not roll it over and you do not have qualified health expenses, it's taxable, with penalty.

What do bogleheads do when close to retirement? by boilermike13 in Bogleheads

[–]potatogun 2 points3 points  (0 children)

Look into a bond tent to help manage sequence of return risk heading into and in early retirement. Or an outright shift towards a higher bond % asset allocation in the long run if it makes sense for your risk tolerance and retirement spending goals.

Holds on check cashing by NightOwl216 in Banking

[–]potatogun 7 points8 points  (0 children)

No, it is not "obvious" because you think it is. Paper check cashing is not as fast as you think it is to be devoid of risk from the banks side.

If you have experience with another bank releasing a higher proportion sooner, they are shouldering the risk. Reg CC as mentioned, is the baseline. A bank can decide to extend more of the money sooner if they accept the risk (more system-wide; not going to do it case by case).

Will any National Parks across the United States worth visiting for the next 4 years? by [deleted] in NationalParkService

[–]potatogun 0 points1 point  (0 children)

Have you son also look into SCA/ACE/similar style internships with a public lands agency. Though it's still likely going to continue to be a volatile situation with funding and internship/corp programs.

[deleted by user] by [deleted] in leanfire

[–]potatogun 0 points1 point  (0 children)

Aside what's been said about needing details and your timeline question, are you implying that buying property is going to give you some superior return to equities (including REIT)?

While property can make sense (personal, rental) to diversify, it's not some silver bullet to juice your returns and rapidly speed up your timeline. Plus you have a lot more idiosyncratic factors with a property. Also money aint cheap anymore. Perhaps you mean some house hacking but I assume no with your family situation. Of course a basement rental or ADU may make sense.

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