Fidelity hysa

Fidelity hysa. Banking. Savings Accounts. Fidelity Cash Management Account Interest Rates. Fidelity’s Cash Management Account has few fees, but mediocre …Either is a fine choice. But in most cases, there is relatively little benefit to the money market over a HYSA. Rates on money markets tend to be a bit more volatile than HYSAs. And most people find HYSAs to be more convenient. My bank, Onyx Private, now offers 3.9% APY on their HYSA and its FDIC insured.The Fidelity High Yield Savings Account offers you a great investment opportunity to make your money grow in the long term. Features. Open with any amount; Minimum Operating balance of N5,000; Tiered interest rate based on threshold; Below N100,000 *****5.625% p.a ; N100,000 – N4,999,999 *****6.375% p.a;That’s right, as an online-only bank, we don’t have any branches. But there are still two easy ways to access money in your savings or CD account. Option 1: Link your Citizens savings or CD account with your account(s) at other financial institutions and set up a one-time or recurring transfer (restrictions apply).Banks have multiple bank account options, ranging from checking accounts to money market accounts to certificates of deposit (CDs). One such option is a high-yield savings account (HYSA). A HYSA is a growth account where your cash can earn interest. Unlike other growth accounts at the bank, the cash in a HYSA is accessible, with some …2. What types of products are available through Raisin? · High-Yield Savings Account (HYSA). As its name indicates, this account type functions like a ...Jan 5, 2024 · This Fidelity HSA review has been updated for 2024. If you’ve completed research in an attempt to find the best HSA account (see our rankings), you’re probably well aware that it is a bit of the “Wild West” out there. Because health savings accounts (HSAs) are still a relatively new type of investment account (they didn’t even exist prior to 2003), …I checked on my Ally accounts today and noticed on the website that the HYSA and money market savings account interest has dropped to 4.25%. So far my account is still showing 4.35%. I guess we will be getting an email from Ally soon about this. Discover dropped their rate again on yesterday to 4.25% also.Fidelity HSA(R) & our new Fidelity Go(R) HSA can help you pay for qualified medical expenses in a tax-advantaged way. Learn which HSA may be right for you.Feb 16, 2024 · Contributions reduce your taxable income, the money grows tax-free, and withdrawals for qualified expenses aren’t taxed either. You can invest HSA dollars the same way you would an individual ...A high-yield savings account is a type of savings account that can pay up to 10 to 12 times the national average of a standard savings account. Traditionally, people have held a savings account at ...1 day ago · I have an HSA and 401K through Fidelity and while the 401K gets updated properly, my HSA is frequently needing a refresh in the connection. This doesn’t seem to do anything to fix the issue after I go through the guided steps …SoFi is Better for: Fidelity is Better for: Automated investing. Transfer out fees. Educational resources. Mutual funds. Human advisory service. Investment portfolio diversification. Having access to additional resources can be helpful when trying to …As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. ... Does the SPAXX expense ratio (0.42%) negate any potential benefit it has over a HYSA. I have a HYSA currently yielding 4.5% and SPAXX current at 4.93% ...On your iPhone, open the Wallet app and tap Apple Card. · Tap Savings account. · Tap Withdraw. · Enter the amount that you want to withdraw, then tap Next. &mi...Now that the Fed has been raising rates, money market funds have become competitive again. As of July 19, 2023, Vanguard Treasury Money Market Fund has a yield of 5.06%, which is also partially exempt from state and local taxes, whereas Ally Bank’s Savings Account pays only 4.00%. Table of Contents.Jul 13, 2023 · Keep in mind that HSA contribution limits are rising in 2024. Individuals will see their savings cap increase 7.8% in 2024, going from $3,850 to $4,150. For family coverage, the HSA contribution limit rises to $8,300, up 7.1% from $7,750 this year. That’s the largest increase to HSA contribution limits since the accounts were first introduced ... Mar 29, 2566 BE ... ... (HYSA) 3. Retirement Account 4. Individual Taxable Brokerage Account ... Fidelity 4. Vanguard 5. E Trade It's important to have you money ...6 days ago ... Can you share your experiences with fidelity Hysa ? Trying to park around 100k Blind tax: 280.Health Savings Accounts. An HSA is a medical savings account, with tax advantages, designed to help pay for medical expenses. Contributions are sheltered from income taxes, the money grows tax-deferred, and the funds can be withdrawn tax free for medical expenses. Funds rollover year-to-year.I checked on my Ally accounts today and noticed on the website that the HYSA and money market savings account interest has dropped to 4.25%. So far my account is still showing 4.35%. I guess we will be getting an email from Ally soon about this. Discover dropped their rate again on yesterday to 4.25% also.Questions? Go to Fidelity.com or call 800-544-3716. Return of Excess Contribution Fidelity HSA ® Use this form to request a return of an excess contribution made to your Fidelity HSA ®. If you are a nonresident alien, please contact Fidelity prior to completing this form, as you may be subject to additional tax-withholding requirements. When you, your spouse, or your dependents have qualified medical expenses that aren't covered by your health care plan, you can pay for them tax-free 1 with your HSA. There are multiple ways you can spend from your HSA. Spend now with your Fidelity HSA® debit card Pay for qualified medical expenses anytime with a swipe of your card. Nov 13, 2023 · The Fidelity High Yield Savings Account is a flexible and rewarding savings option that allows customers to earn higher interest rates as their balances grow. It’s suitable for individuals who want to see their money grow over the long term. Interest Details: – Below N100,000: 5.625% p.a.how do i transfer pics from android to iphone button up with sweater over Building savings is not easy. The experts at Fidelity Investments can provide you with financial advice to ensure that you are building your savings ...4 days ago · Fidelity® Government Money Market Fund. 2.80%. 1.19%. 0.96%. 0.60%. 1.64%. Analyze the Fund Fidelity ® Government Money Market Fund having Symbol SPAXX for type mutual-funds and perform research on other mutual funds. Learn more about mutual funds at fidelity.com.Oct 13, 2023 · Fidelity Health Savings Account. A tax-advantaged way to pay for qualified medical expenses. A Health Savings Account (HSA) can be an easy and smart way to save money to pay for qualified medical expenses1 for you and your dependents. With its triple tax advantages,2 easy access to funds, and future growth potential, it’s a unique savings ...<link rel="stylesheet" href="/prgw/digital/fdic-interest-rate/styles.6ab0511c48a6ed5b.css"> Call 800-544-3716 to speak with a Fidelity HSA service specialist. Created Date: 4/6/2020 11:20:00 AM ... 866-402-7610. 1. There are zero account fees and zero account minimums for Fidelity HSAs ® offered through Fidelity.com to individuals and employers. There may be commissions, interest charges, and other expenses associated with transacting or holding specific investments (e.g., mutual funds), or selecting certain account features or types (e ... Username. Password. Remember my username. Log in. Forgot username or password? Build your savings with a high yield savings account (HYSA) from SoFi and earn up to 4.60% APY. Open your account online with no minimums and no fees.Updated January 22, 2024. Reviewed by Andy Smith. Fact checked by. Matthew M Klammer. Fidelity is our overall top pick for health savings account (HSA) providers, excelling at most of the things ... transfer spectrum service atlanta injury lawyer 1 day ago · I have an HSA and 401K through Fidelity and while the 401K gets updated properly, my HSA is frequently needing a refresh in the connection. This doesn’t seem to do anything to fix the issue after I go through the guided steps …Questions? Go to Fidelity.com or call 800-544-3716. Return of Excess Contribution Fidelity HSA ® Use this form to request a return of an excess contribution made to your Fidelity HSA ®. If you are a nonresident alien, please contact Fidelity prior to completing this form, as you may be subject to additional tax-withholding requirements.The Fidelity High Yield Savings Account offers you a great investment opportunity to make your money grow in the long term. Features. Open with any amount; Minimum Operating balance of N5,000; Tiered interest rate based on threshold; Below N100,000 *****5.625% p.a ; bath and body works' 866-402-7610. 1. There are zero account fees and zero account minimums for Fidelity HSAs ® offered through Fidelity.com to individuals and employers. There may be commissions, interest charges, and other expenses associated with transacting or holding specific investments (e.g., mutual funds), or selecting certain account features or types (e ... hybrid cars list toreados how to get rid of gasoline Feb 16, 2024 · Contributions reduce your taxable income, the money grows tax-free, and withdrawals for qualified expenses aren’t taxed either. You can invest HSA dollars the same way you would an individual ...Debit Card Terms of Use - Fidelity Investments See IRS Publication 969 for more about HSA-eligible health plans. For 2024, the IRS defines HSA-eligible plans as high-deductible health plans (HDHPs) with a deductible of at least $1,600 for an individual and $3,200 for families. These health plans must also have an annual out-of-pocket maximum spending amount of no more than $8,050 for an ... dragon dragon warrior Jan 26, 2024 · For 2024, the IRS contribution limits for HSAs are $4,150 for individual coverage and $8,300 for family coverage. If you're 55 or older during the tax year, you may be able to make a catch-up contribution of up to $1,000 per year. Your spouse, if age 55 or older, could also make a catch-up contribution, but will need to open their own HSA.Here are some of the pros to opening a high-yield account: Although the interest rates now hover around 1%, this yield still outpaces the 0.06% return you’d earn keeping your money in a ... good midsize suvs As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. ... Does the SPAXX expense ratio (0.42%) negate any potential benefit it has over a HYSA. I have a HYSA currently yielding 4.5% and SPAXX current at 4.93% ...Feb 29, 2024 · Fidelity Health Savings Account. A tax-advantaged way to pay for qualified medical expenses. A Health Savings Account (HSA) can be an easy and smart way to save money to pay for qualified medical expenses1 for you and your dependents. With its triple tax advantages,2 easy access to funds, and future growth potential, it’s a unique savings ...Oct 7, 2021 · Fidelity stands above the rest during our annual HSA checkup. Megan Pacholok. Oct 7, 2021. Editor’s note: We have published new research and enhanced our methodology. Read our evaluation of the ... You can find IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans, and IRS Publication 502, Medical and Dental Expenses, online, or you can call the IRS to request a copy of each at 800-829-3676. Investing involves risk, including risk of loss. Fidelity Health Savings Account (HSA) for Small Businesses is easy to ... Here are some of the pros to opening a high-yield account: Although the interest rates now hover around 1%, this yield still outpaces the 0.06% return you’d earn keeping your money in a ... sidecar for a scooter pool robots Banking. Savings Accounts. Fidelity Cash Management Account Interest Rates. Fidelity’s Cash Management Account has few fees, but mediocre …Are you looking to create a dynamic and engaging presentation that captivates your audience? Look no further than a circular presentation with Fidel. This innovative approach to pr...Compare the best savings account rates from over 100 banks and credit unions, updated daily. Find out which institutions offer up to 5.50% APY and how to access them online or via … poems about winter Fidelity Investments, commonly referred to as Fidelity, is a top choice when you’re looking for a low-cost online broker. The same company also offers other financial services to its customers ...SPAXX is doing 5.10% APY, which I think exceeds the vast majority of any HYSA you'll find. Especially because a portion of that is tax free. 2 - Fidelity has never 'broken the buck.'. The effective answer is technically, but no. In the same way you could technically spontaneously combust at any time, but won't.With a tax advantaged HSA from Fidelity you can save money to pay for qualified expenses now and in retirement. Fidelity offers HSA options to fit your investing style. Decide if you want to manage your investments, or if you'd like Fidelity to do it. HSAs from Fidelity are part of Fidelis Care’s commitment to delivering local quality care ...Key takeaways. Health savings accounts (HSAs) and health reimbursement arrangements (HRAs) help you pay for qualified medical expenses. Anyone enrolled in an HSA-eligible health plan can contribute to an HSA. Only those whose employers offer HRAs have access to them. Like a lot of regular expenses, health care costs have been going up. office christmas party dress night time meditation Fidelity Investments Money Market (FIMM), non-FIMM government, retail prime, and retail, municipal funds. There is no action needed to turn this on. Fidelity will first attempt to cover debit balances using funds in your core balance. The system will use any eligible secondary money market funds if the core balance is depleted. Apr 14, 2023 · Hello all, I have a brokerage account w fidelity that I use as a HYSA bc apparently it has like 4%+. It’s not actually a HYSA but I was told it does gain interest. My question is should I keep this fidelity account or should I look for another HYSA ? I just started and I’m young so I only have about 5k in it currently. Archived post.Feb 2, 2566 BE ... Instead of a HYSA, what is the recommendation and advice on holding cash in something like FZDXX (Fidelity Money Market Fund Premium) at ...Causes of the Cuban Revolution, which lasted from 1953 through 1959, included president Fulgencio Batista’s dictatorship, brutal suppression and poverty. These factors led to a rev...Jan 12, 2021 · A competitive HYSA. Make it happen and I bet you’ll see an uptick in funds and assets coming your way. Sure that would be cool, but Fidelity isn’t a bank. but they do offer a money mgmt account. Let’s be real, it would only be 0.5% right now based on the general market. I’d rather throw a portion of my savings into my state’s muni ...Mar 6, 2024 · An HSA is a tax-advantaged account that can be used to pay for qualified medical expenses, including copays, prescriptions, dental care, contacts and eyeglasses, bandages, X-rays, and a lot more. It’s "tax-advantaged" because your contributions reduce your taxable income, and the money isn't taxed while it’s in the account—even if it ... Feb 16, 2024 · Contributions reduce your taxable income, the money grows tax-free, and withdrawals for qualified expenses aren’t taxed either. You can invest HSA dollars the same way you would an individual ...You can even use Inter-Institution Transfers to move money from your accounts at other financial firms directly into your high-interest Citibank savings account ...What is a Fidelity Go® HSA? How does a Fidelity Go® HSA work? How much does a Fidelity Go® HSA cost? How does coaching work with a Fidelity Go® HSA? … storage containers moving An FDIC insured HYSA can be treated as zero risk. Sometimes the interest rates at HYSA can be higher than a money market fund. Fidelity's SPAXX Money Market Fund is about as close to zero without being actual zero risk. Fidelity treats their money market funds as cash. You can place orders without liquidating the money in the MMF, or use their ...You can avoid long wait times by contacting us outside of market hours (Monday—Friday 9:30 a.m.—4:00 p.m. ET). Investment advisory services are provided through Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser, for a fee.The Fidelity HSA® Funds to Consider list is not a personalized recommendation. To the extent any investment information in this material may be considered a recommendation, it is not meant to be impartial investment advice or advice in a fiduciary capacity, is not intended to be used as a primary basis for your investment decisions, is based on facts and …While these methods utilize the high fidelity of NGS reads and the long length of PacBio reads, they tend to be computationally intensive and are not designed ... christian shows If you have an existing HSA at another firm, you are eligible to open a Fidelity HSA and transfer your existing account to Fidelity at any time. When transferring an HSA, it's important to note that your existing HSA may be in 2 separate types of accounts: A bank account holding your cash balance; A brokerage account holding your investmentsMar 27, 2023 · Welcome to our community subreddit, u/Chemical-Theme-3823; let's mix up your question and formulate an answer today! As a brokerage firm, Fidelity offers many types of retirement and nonretirement brokerage accounts that allow you to invest in securities. That said, we do not offer High-Yield Savings Accounts (HYSAs) as you would …Dec 27, 2022 · This will often highlight the differences between the funds in question. In this case, the Fidelity Money Market Fund (SPRXX) and the Fidelity Government Money Market Fund (SPAXX) share the same fund objectives; however, the fund strategies are slightly different. SPAXX normally consists of US Government securities, while SPRXX will invest …The Fidelity HSA® Funds to Consider list is not a personalized recommendation. To the extent any investment information in this material may be considered a recommendation, it is not meant to be impartial investment advice or advice in a fiduciary capacity, is not intended to be used as a primary basis for your investment decisions, is based on facts and … water softener maintenance Updated January 22, 2024. Reviewed by Andy Smith. Fact checked by. Matthew M Klammer. Fidelity is our overall top pick for health savings account (HSA) providers, excelling at most of the things ...The Amex HYSA (High Yield Savings Account) is a savings account offered by American Express, a well-known and reputable financial institution. The account is designed to help you grow your savings with a competitive interest rate. With the Amex HYSA Savings Account, you can enjoy the benefits of easy access to your funds through a user-friendly ...SoFi is Better for: Fidelity is Better for: Automated investing. Transfer out fees. Educational resources. Mutual funds. Human advisory service. Investment portfolio diversification. Having access to additional resources can be helpful when trying to …4 days ago · 1-855-547-1385. Disclosures. To waive the service charge, you need to maintain a minimum of $300 in your account or an average daily balance of $2,500, based on a daily ledger. We do not provide tax, legal, or …By default, Fidelity sweeps our uninvested brokerage cash into SPAXX. That's a really good option for most of us, and if you don't want to deal with your cash, a great baseline. But my favorite places to park cash are FDLXX and Treasury bill ETFs (USFR, TFLO). This is my default stash for any emergency fund -- so anywhere with 3-6 months of ... bald on top hair on sides car wash with hand Nov 18, 2023 · Fidelity as HYSA . I currently use marcus as a HYSA, but ive been thinking of switching over to fidelity for all my checking and saving needs. However, I have a couple questions about how to effectively use a fidelity brokerage account as a HYSA. With marcus, my funds compound daily and pay interest monthly.In my opinion, government money market funds are among the safest cash equivalents. A HYSA will typically offer a lower yield than a MMF, but will have fewer steps to accessing your money (no need to sell the fund and then transfer to your bank). For emergency cash, it's a good option but as others have mentioned you can find higher yields than ...Watch as we explore how financial security is unique for the LGBTQ+ community, and how leveraging a health savings account (HSA) can help you save for yourself and your chosen family. We’ll look at: A range of LGBTQ+ life events and their costs. HSAs and how they work. The ways an HSA can support the LGBTQ+ community’s personal and family ...Jul 18, 2022 · You will then make a rollover contribution to your HSA within 60 days of receiving the funds. To complete the rollover contribution, you can submit a check deposit or you can call our HSA service team directly to pull the funds electronically from a linked bank account. A 60-day rollover check can be mailed to Fidelity with the deposit slip ...Hi all, I currently have a HYSA with Discover and another one with Ally. Both have the same yield of 3.3% at the moment and I use them for different reasons/purposes. I also use Fidelity for my 401k, IRA, and taxable brokerage. Recently I read that the SPAXX (Fidelity Government Money Market) offers higher yield than the HYSAs out there.Fidelity is a leading financial services company that has been in business for over 70 years. They offer a wide range of services, including investment management, retirement plann...Aug 30, 2023 · According to the Fidelity Retiree Health Care Cost Estimate, an average retired couple age 65 in 2023 may need approximately $315,000 saved (after tax) to cover health care expenses in retirement. An average individual may need $157,500 saved (after tax) to cover health care expenses in retirement. 5 Contributing to your HSA early and …Nov 5, 2022 · I’ll mention that Fidelity gives you access to brokered CDs with very attractive interest rates (3.9% as I type this) on terms of 3 months or more. Good place to park money that is closer to the liquidity you seek. If you want longer durations, they have CDs with up to 5.3%/10 years. Thanks, J. Powell. wi2fl.Mar 27, 2023 · Welcome to our community subreddit, u/Chemical-Theme-3823; let's mix up your question and formulate an answer today! As a brokerage firm, Fidelity offers many types of retirement and nonretirement brokerage accounts that allow you to invest in securities. That said, we do not offer High-Yield Savings Accounts (HYSAs) as you would …You can even use Inter-Institution Transfers to move money from your accounts at other financial firms directly into your high-interest Citibank savings account ...Aug 30, 2023 · According to the Fidelity Retiree Health Care Cost Estimate, an average retired couple age 65 in 2023 may need approximately $315,000 saved (after tax) to cover health care expenses in retirement. An average individual may need $157,500 saved (after tax) to cover health care expenses in retirement. 5 Contributing to your HSA early and …By default, Fidelity sweeps our uninvested brokerage cash into SPAXX. That's a really good option for most of us, and if you don't want to deal with your cash, a great baseline. But my favorite places to park cash are FDLXX and Treasury bill ETFs (USFR, TFLO). This is my default stash for any emergency fund -- so anywhere with 3-6 months of ... wilderness rv mattress Banks have multiple bank account options, ranging from checking accounts to money market accounts to certificates of deposit (CDs). One such option is a high-yield savings account (HYSA). A HYSA is a growth account where your cash can earn interest. Unlike other growth accounts at the bank, the cash in a HYSA is accessible, with some …Feb 2, 2024 · While SoFi asks for for $1 minimum to start its service, Fidelity requires nothing. Like SoFi, Fidelity has human advisors. But unlike SoFi, they actually manage accounts. At SoFi, they just answer questions and give advice. Minimums and fees for Fidelity’s old-school services are higher than its digital service.That’s right, as an online-only bank, we don’t have any branches. But there are still two easy ways to access money in your savings or CD account. Option 1: Link your Citizens savings or CD account with your account(s) at other financial institutions and set up a one-time or recurring transfer (restrictions apply). hawaiian restaurants Nov 14, 2023 · See your tax professional for more information on the state tax implications of HSAs. This is a hypothetical example for illustrative purposes only and does not represent the performance of any security in a Fidelity HSA. The example assumes that an individual contributes $3,000 annually to an HSA with a hypothetical 6.5% annual return. Fidelity offers HSA options to fit your investing style. Decide if you want to manage your investments, or if you'd like Fidelity to do it. HSAs from Fidelity are part of Ambetter's commitment to delivering local quality care that helps you take control of your health. Ambetter products are available through Centene Corporation, a Fortune 25 ... Fidelity Health Savings Accounts (HSA). View the current rate of return for the FDIC-Insured Deposit Sweep Program1 below: FDIC-Insured Deposit Sweep ...Jan 26, 2024 · For 2024, the IRS contribution limits for HSAs are $4,150 for individual coverage and $8,300 for family coverage. If you're 55 or older during the tax year, you may be able to make a catch-up contribution of up to $1,000 per year. Your spouse, if age 55 or older, could also make a catch-up contribution, but will need to open their own HSA. angels landing utah johnnie walker game of thrones I’ve also read up on how to go about purchasing T-Bills, treasury direct vs Fidelity. I have 2 accounts with Fidelity, Roth and a Brokerage. ... With HYSA rates nearing 4% (and rising) - I-bonds are still better rates right now, BUT given the 1-year lock-up, loss of 3-months of interest (if pulled before 5 years) and presumably declining ... With a tax advantaged HSA from Fidelity you can save money to pay for qualified expenses now and in retirement. Fidelity offers HSA options to fit your investing style. Decide if you want to manage your investments, or if you'd like Fidelity to do it. HSAs from Fidelity are part of Fidelis Care’s commitment to delivering local quality care ... A health savings account (HSA) is one of the best ways to save for qualified medical expenses and any earnings are tax-free 1 along the way. Open an HSA. Looking … creed where to watch To put a house in trust is to designate a third party to hold it for another’s beneficiaries. Fidelity Investments explains that the trust is created through the execution of a doc...Mar 1, 2567 BE ... Both money market and high-yield savings accounts can earn similar interest rates. However, there are key differences when it comes to ...Debit Card Terms of Use - Fidelity InvestmentsPlease review additional ATM/debit card eligibility requirements. Cards arrive within 7–10 days. Transactions are reflected in your Available to Withdraw balance and are posted to your account within 5 business days. Additional HSA debit cards are mailed directly to the account owner's address. Purchases are deducted daily from your HSA.The Fidelity High Yield Savings Account offers you a great investment opportunity to make your money grow in the long term. Features. Open with any amount; Minimum Operating balance of N5,000; Tiered interest rate based on threshold; Below N100,000 *****5.625% p.a ; N100,000 – N4,999,999 *****6.375% p.a;Jan 10, 2023 · My HYSA is just used to pay monthly bills and such, since checking+savings at sofi it's easy to manage and given the time frame + amount of money any gains by using MM is pretty minimal, especially with liquid cash either 2.50% waiting for a check to clear or 3.75% in savings.Analyze the Fund Fidelity ® Government Money Market Fund having Symbol SPAXX for type mutual-funds and perform research on other mutual funds.Feb 29, 2024 · Fidelity Health Savings Account. A tax-advantaged way to pay for qualified medical expenses. A Health Savings Account (HSA) can be an easy and smart way to save money to pay for qualified medical expenses1 for you and your dependents. With its triple tax advantages,2 easy access to funds, and future growth potential, it’s a unique savings ...Dec 8, 2022 · It’s a common internet search term and a question that many Clark.com readers ask. An HSA is a tax-advantaged savings account that you can use to pay for qualifying healthcare expenses. HSAs can help you cover out-of-pocket costs if your health insurance policy includes a high deductible. You can also invest the money you … hair and scalp spa I’ve also read up on how to go about purchasing T-Bills, treasury direct vs Fidelity. I have 2 accounts with Fidelity, Roth and a Brokerage. ... With HYSA rates nearing 4% (and rising) - I-bonds are still better rates right now, BUT given the 1-year lock-up, loss of 3-months of interest (if pulled before 5 years) and presumably declining ...Customer Log In. As you log in, be aware that your account information will be accessible in the main Fidelity.com browser window. We recommend closing all browser windows once you are through using our site. Online Security – We will never ask for personal information through e-mail. Use of this site involves the electronic transmission of ... gorillaz tour 2024 Jul 4, 2021 · Fidelity Health Savings Account is the best on the market. Hands-down the best. The only one that came close was the Lively HSA, but Fidelity's is even better. You can do a tax-free direct custodian-to-custodian transfer from your employer plan to Fidelity HSA at any time, no once a year limit, skimming off all of the cash and putting it to work.The Fidelity Go HSA has no minimums to open, and you don’t pay any management fees for an account balance under $10,000. For balances between $10,000–$49,999, you pay a fee of just $3 per month. For a …Feb 2, 2566 BE ... Instead of a HYSA, what is the recommendation and advice on holding cash in something like FZDXX (Fidelity Money Market Fund Premium) at ... aaa car battery Jan 13, 2024 · For instance, with a Fidelity HSA, the minimum balance to invest is $0, so you can start investing with very little money. A small or no minimum balance requirement can be useful for those who don’t have much money to toss into a health savings account. What you’re allowed to invest in can also vary based on your HSA.Nov 14, 2023 · Fidelity is a common chosen destination HSA because they have a good history/reputation, no minimum cash balance requirement before investing, and a wide selection of quality investment options. This is a more "advanced" strategy to (hopefully) grow your net worth faster over time vs. sticking with your employer's HSA.Fidelity CMA as HYSA? Official Response. I've had a couple of accounts at Fidelity for close to a decade (Brokerage, Roth, etc), and a couple of years ago, I got a …The Fidelity High Yield Savings Account offers you a great investment opportunity to make your money grow in the long term. Features. Open with any amount; Minimum Operating balance of N5,000; Tiered interest rate based on threshold; Below N100,000 *****5.625% p.a ;Jan 7, 2023 · New comments cannot be posted and votes cannot be cast. SPRXX, 4.16%, it's better. 4.14%. Still better. Just know that it's a little more risky, but ultimately extremely safe. Fidelity money market fund is dank af. Sprxx, its even better than spaxx.Jun 24, 2563 BE ... In the notice, Fidelity Bank said on its HYSA, the new interest rate for deposits below N100,000 is 3.75 percent versus the previous 4.05 ...Compare the pros and cons of high-yield savings accounts and money market funds as short-term investment options. Learn about interest rates, accessibility, FDIC insurance and fees.As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. ... However you can choose your core cash account to be a money market fund which can act as a HYSA. Currently the MMFs are paying about 4.25% (net of ...A health savings account (HSA) is one of the best ways to save for qualified medical expenses and any earnings are tax-free 1 along the way. Open an HSA. Looking …I checked on my Ally accounts today and noticed on the website that the HYSA and money market savings account interest has dropped to 4.25%. So far my account is still showing 4.35%. I guess we will be getting an email from Ally soon about this. Discover dropped their rate again on yesterday to 4.25% also.HYSA vs Fidelity MMF. Which is a better option to store cash, that may be needed in short term, may in a little over a year. I can see WealthFront and Creditkarma offering 5% and 5.1% each while Fidelity SPAXX and FZFXX offer 4.9% (7 …Aug 30, 2023 · According to the Fidelity Retiree Health Care Cost Estimate, an average retired couple age 65 in 2023 may need approximately $315,000 saved (after tax) to cover health care expenses in retirement. An average individual may need $157,500 saved (after tax) to cover health care expenses in retirement. 5 Contributing to your HSA early and …Does Fidelity charge fees for HSA accounts? How much does it cost? With the Fidelity HSA ®, enjoy no account fees 3 so you can get the most from your health care saving. With the Fidelity Go ® HSA, you'll pay no advisory fee for balances under $10,000, $3 per month for a balance of $10,000-$49,999, or 0.35% per year for a balance of $50,000 and above.Fidelity CMA as HYSA? Official Response. I've had a couple of accounts at Fidelity for close to a decade (Brokerage, Roth, etc), and a couple of years ago, I got a …Watch as we explore how financial security is unique for the LGBTQ+ community, and how leveraging a health savings account (HSA) can help you save for yourself and your chosen family. We’ll look at: A range of LGBTQ+ life events and their costs. HSAs and how they work. The ways an HSA can support the LGBTQ+ community’s personal and family ...Mar 29, 2566 BE ... ... (HYSA) 3. Retirement Account 4. Individual Taxable Brokerage Account ... Fidelity 4. Vanguard 5. E Trade It's important to have you money ... spicy crab meat roll psa authentication A common misconception is that Wi-Fi stands for wireless fidelity but, in reality, it does not stand for anything. At the time Wi-Fi was invented, it operated under the standards o...Now that the Fed has been raising rates, money market funds have become competitive again. As of July 19, 2023, Vanguard Treasury Money Market Fund has a yield of 5.06%, which is also partially exempt from state and local taxes, whereas Ally Bank’s Savings Account pays only 4.00%. Table of Contents. urban leaf The Fidelity Go HSA has no minimums to open, and you don’t pay any management fees for an account balance under $10,000. For balances between $10,000–$49,999, you pay a fee of just $3 per month. For a …Mar 6, 2024 · What to know about Form 8889. In order to enjoy the full tax benefits of an HSA and stay compliant with IRS rules, you need to complete and file Form 8889 each year you contribute to or distribute money from your HSA. This form allows you to claim a tax deduction for any HSA contributions you made outside of payroll deductions and ensures money ... Fidelity CMA as HYSA? Official Response. I've had a couple of accounts at Fidelity for close to a decade (Brokerage, Roth, etc), and a couple of years ago, I got a … See IRS Publication 969 for more about HSA-eligible health plans. For 2024, the IRS defines HSA-eligible plans as high-deductible health plans (HDHPs) with a deductible of at least $1,600 for an individual and $3,200 for families. These health plans must also have an annual out-of-pocket maximum spending amount of no more than $8,050 for an ... Sep 10, 2565 BE ... Fidelity Money Market, for instance, charges 0.18 percent, or $1.80 per $1,000 invested. Compare expenses among money funds using the free ...Fidelity's self-directed HSA & our new managed Fidelity Go(R) HSA give you options on how to invest your HSA. Find out which investing option is right for ...The HSA contribution limit for 2023 is $3,850 for self-only coverage and $7,750 for family coverage. 2 Those 55 and older can contribute an additional $1,000 as a catch-up contribution. 3. There's no time limit on when you can take money out of your HSA. If you don’t need it for health care expenses now, you can save and invest it for health ...Apr 10, 2023 · If you can afford to pay for all medical expenses outside of the HSA, then treating it like a piece of your overall IRA/401k portfolio would be best. You'd invest the same way. However, if you need the money to pay for medical expenses, then leaving the money in cash/cash equivalent is fine. r/personalfinance.With an HSA you get a triple-tax advantage 1 to help you save money. All your HSA contributions are tax-free, whether pre-tax through your paycheck or after-tax …The Fidelity High Yield Savings Account offers you a great investment opportunity to make your money grow in the long term. Features. Open with any amount; Minimum Operating balance of N5,000; Tiered interest rate based on threshold; Below N100,000 *****5.625% p.a ; N100,000 – N4,999,999 *****6.375% p.a; Help employees maximize their healthcare dollars for their unique needs, today and in the future, with the Fidelity HSA. Best health savings account for employers and individuals. Save and invest for healthcare expenses in the future or withdraw for healthcare costs today. Fidelity Health Savings Account. A tax-advantaged way to pay for qualified medical expenses. A Health Savings Account (HSA) can be an easy and smart way to save money to pay for qualified medical expenses1 for you and your dependents. With its triple tax advantages,2 easy access to funds, and future growth potential, it’s a unique savings ...A common misconception is that Wi-Fi stands for wireless fidelity but, in reality, it does not stand for anything. At the time Wi-Fi was invented, it operated under the standards o...Fidelity Health Savings Account is the best on the market. Hands-down the best. The only one that came close was the Lively HSA, but Fidelity's is even better. You can do a tax-free direct custodian-to-custodian transfer from your employer plan to Fidelity HSA at any time, no once a year limit, skimming off all of the cash and putting it to work.May 27, 2022 · Here are some of the pros to opening a high-yield account: Although the interest rates now hover around 1%, this yield still outpaces the 0.06% return you’d earn keeping your money in a ...Asset allocation of HSA Fund - 30% stocks (with potential to range from 20% to 40%) - 70% bonds (with potential to range from 60% to 80%) Someone who is saving for health care expenses in retirement. $25,000. Invest for retirement in a balanced portfolio. - 10% in cash in a core account - 50% in stocks - 40% in bonds.HYSA, FDIC insured. interest fully taxable. Funds are considered fairly liquid, 2-5 days I'd guess. CD's , FDIC insured. Interest fully taxable. Funds are locked for the term of the CD. MMMF, no FDIC, but thought to be really really safe anyway. Interest taxability depends on the fund, some invest in treasuries, so a percentage would be state ...The Fidelity HSA® Funds to Consider list is not a personalized recommendation. To the extent any investment information in this material may be considered a recommendation, it is not meant to be impartial investment advice or advice in a fiduciary capacity, is not intended to be used as a primary basis for your investment decisions, is based on facts and …Cannot exceed a minor's earnings; e.g., if a minor earns $1,000, then only $1,000 can be contributed to the account. Annual maximum contribution per child of $6,500 for 2023 and $7,000 for 2024. Investment options. Our full range of investments, including stocks, mutual funds, bonds, CDs, and fractional shares.Here are some of the pros to opening a high-yield account: Although the interest rates now hover around 1%, this yield still outpaces the 0.06% return you’d earn keeping your money in a ...May 10, 2022 · What Is an HSA Account? A health savings account is a tax-advantaged savings and investment account for healthcare expenses. When you have a qualifying health insurance policy, you can contribute to an HSA annually with tax-deductible contributions, meaning you don’t pay any taxes on the contributions when they're made. This is similar …Feb 29, 2024 · Fidelity Health Savings Account. A tax-advantaged way to pay for qualified medical expenses. A Health Savings Account (HSA) can be an easy and smart way to save money to pay for qualified medical expenses1 for you and your dependents. With its triple tax advantages,2 easy access to funds, and future growth potential, it’s a unique savings ... restaurants in lawton bmi music Fidelity HSA®. 5.0. Varies. $0. 0.35% annual fee for Fidelity Go® HSA balances over $25,000. Why We Picked It. Pros & Cons. Details. Best Credit …Fidelity's self-directed HSA & our new managed Fidelity Go(R) HSA give you options on how to invest your HSA. Find out which investing option is right for ... Fidelity offers HSA options to fit your investing style. Decide if you want to manage your investments, or if you'd like Fidelity to do it. HSAs from Fidelity are part of Ambetter's commitment to delivering local quality care that helps you take control of your health. Ambetter products are available through Centene Corporation, a Fortune 25 ... A Health Savings Account (HSA) can be an easy and smart way to save money to pay for qualified medical expenses1 for you and your dependents. With its triple …Asset allocation of HSA Fund - 30% stocks (with potential to range from 20% to 40%) - 70% bonds (with potential to range from 60% to 80%) Someone who is saving for health care expenses in retirement. $25,000. Invest for retirement in a balanced portfolio. - 10% in cash in a core account - 50% in stocks - 40% in bonds.A health savings account (HSA) is one of the best ways to save for qualified medical expenses and any earnings are tax-free 1 along the way. Open an HSA. Looking …A high-yield savings account is a type of savings account that can pay up to 10 to 12 times the national average of a standard savings account. Traditionally, people have held a savings account at ... survivor season new Mar 1, 2567 BE ... Both money market and high-yield savings accounts can earn similar interest rates. However, there are key differences when it comes to ...Fidelity Investments, commonly referred to as Fidelity, is a top choice when you’re looking for a low-cost online broker. The same company also offers other financial services to its customers ...Causes of the Cuban Revolution, which lasted from 1953 through 1959, included president Fulgencio Batista’s dictatorship, brutal suppression and poverty. These factors led to a rev...The Fidelity Youth account offers a 5-cent bonus for each eligible purchase transaction using your Fidelity Youth Debit Card. Cents back per use bonuses are calculated and deposited to your Fidelity Youth account. Limit of 15 transactions per day. Eligible transactions are defined as the purchase of goods or services. where to watch the bear season 1 brunch kcmo Fidelity receives compensation from Fidelity funds and products, certain third-party funds and products, and certain investment services. The compensation that is received, either directly or indirectly, by Fidelity may vary based on such funds, products and services, which can create a conflict of interest for Fidelity and its representatives. Does Fidelity charge fees for HSA accounts? How much does it cost? With the Fidelity HSA ®, enjoy no account fees 3 so you can get the most from your health care saving. With the Fidelity Go ® HSA, you'll pay no advisory fee for balances under $10,000, $3 per month for a balance of $10,000-$49,999, or 0.35% per year for a balance of $50,000 and above. breakfast oceanside ca A Roth IRA is a tax-advantaged retirement account. Each year, eligible clients can contribute funds they've already paid taxes on up to the maximum contribution limit. Contributions come from non-retirement accounts such as a brokerage account or a personal bank account. The IRA maximum contribution limit is $6,500 for 2023 and $7,000 for 2024 ...Nov 13, 2023 · The Fidelity High Yield Savings Account is a flexible and rewarding savings option that allows customers to earn higher interest rates as their balances grow. It’s suitable for individuals who want to see their money grow over the long term. Interest Details: – Below N100,000: 5.625% p.a.At Fidelity Bank, we offer a range of competitive savings accounts tailored to your needs. Start saving today! To find out more, contact us. new roof price cleaning granite A health savings account (HSA) is one of the best ways to save for qualified medical expenses and any earnings are tax-free 1 along the way. Open an HSA. Looking …As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. ... If dividends are reinvested (kept in your core position like you'd keep your interest in a HYSA), the compound effective yield is currently 4.86%. So, it ...At Fidelity Bank, we offer a range of competitive savings accounts tailored to your needs. Start saving today! To find out more, contact us.Build your savings with a high yield savings account (HYSA) from SoFi and earn up to 4.60% APY. Open your account online with no minimums and no fees.4 days ago · 1-855-547-1385. Disclosures. To waive the service charge, you need to maintain a minimum of $300 in your account or an average daily balance of $2,500, based on a daily ledger. We do not provide tax, legal, or …M1 Finance and Fidelity are both great options for investors but have different features and even costs. Compare both here. M1 Finance and Fidelity are both great options for inves...Learn about different places to hold cash, including savings accounts, money market funds, CDs, and short-term bonds. Compare their yields, liquidity, …Nov 21, 2019 · Exhibit 1 illustrates why Fidelity is an obvious choice for HSA spenders. It combines the effects of maintenance fees and interest rates, subtracting the annual fee you'd pay and adding the annual ... 1 day ago · HYSA means "high yield". Most big banks pay like 0.01% APY. Currently most HYSA pay 4-5% APY, like from Sofi, Wealthfront ... More posts you may like r/fidelityinvestments. r/fidelityinvestments. As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions ...Now that the Fed has been raising rates, money market funds have become competitive again. As of July 19, 2023, Vanguard Treasury Money Market Fund has a yield of 5.06%, which is also partially exempt from state and local taxes, whereas Ally Bank’s Savings Account pays only 4.00%. Table of Contents.A high-yield savings account is a type of savings account that can pay up to 10 to 12 times the national average of a standard savings account. Traditionally, people have held a savings account at ...Fidelity HSA(R) & our new Fidelity Go(R) HSA can help you pay for qualified medical expenses in a tax-advantaged way. Learn which HSA may be right for you. Fidelity Brokerage Services LLC, Member NYSE, , 900 Salem Street, Smithfield, RI 02917. 860492.37.0. Life Insurance & Long Term Care. , (Opens in a new window) Self-employed/small business. Fidelity HSA (R) & our new Fidelity Go (R) HSA can help you pay for qualified medical expenses in a tax-advantaged way. Fidelity's self-directed HSA & our new managed Fidelity Go(R) HSA give you options on how to invest your HSA. Find out which investing option is right for ...Get started with your Fidelity account. SHORT CODES. Open an account. *770*01# Account number and BVN details *770*5# Account officer’s details *770*03# Enroll for USSD via referral. ... Yes, the HYSA offers a premium rate, and its higher than the regular savings interest rate.Banking. Savings Accounts. Fidelity Cash Management Account Interest Rates. Fidelity’s Cash Management Account has few fees, but mediocre … lamborghini versus ferrari top rated hotels in sedona May 10, 2022 · What Is an HSA Account? A health savings account is a tax-advantaged savings and investment account for healthcare expenses. When you have a qualifying health insurance policy, you can contribute to an HSA annually with tax-deductible contributions, meaning you don’t pay any taxes on the contributions when they're made. This is similar …800-343-3548. Chat with a representative. Access and manage the funds in your Fidelity account with free checks, deposit slips, and online images of your cleared checks. It's one of the many features bundled with our free, full-service cash management account. restaurants in springdale ar Apr 12, 2023 · Question regarding my fidelity “HYSA”. (Not actually a HYSA, just a brokerage account (SPAXX)) Investing Hello all, I opened a brokerage account w fidelity not long ago and read online the difference between SPAXX and FDIC and am currently a bit worried about the security of my money.Jul 18, 2022 · You will then make a rollover contribution to your HSA within 60 days of receiving the funds. To complete the rollover contribution, you can submit a check deposit or you can call our HSA service team directly to pull the funds electronically from a linked bank account. A 60-day rollover check can be mailed to Fidelity with the deposit slip ... Fidelity BillPay. is fast, easy, and free. Add payees simply - payee information can be prefilled by entering a company name or phone number. The calendar feature automatically determines and prefills the earliest available pay date for each bill. Save time and reduce paper with electronic bills (eBills) . Investing. I came across a banking site called Wealthfront that's promising a HYSA with a 3.3% APY (15x times the national average they advertise). With unlimited transfers and 3.3% growth, and seemingly no sneaky minimum-anything, I'm wondering what the drawback would be for moving my E.F. here. Heck, based on what I'm reading I could …Fidelity Investments is not a publicly traded company as of January 2015, so it does not have a ticker symbol. Ticker symbols are only used for publicly traded companies. However, ...There are several ways to contribute to your Fidelity HSA: Contribute cash. Link a bank account for one-time or recurring deposits, transfer funds from another …Sep 6, 2023 · Tips to get the most out of your HSA after you leave your job. Here are 2 things to consider when you're transitioning employers. 1. Find out whether you're still eligible to contribute to an HSA. While the money already in your HSA is yours, you may or may not be able to keep contributing to the account once you leave your job. 866-402-7610. 1. There are zero account fees and zero account minimums for Fidelity HSAs ® offered through Fidelity.com to individuals and employers. There may be commissions, interest charges, and other expenses associated with transacting or holding specific investments (e.g., mutual funds), or selecting certain account features or types (e ... Fidelity Investments Money Market (FIMM), non-FIMM government, retail prime, and retail, municipal funds. There is no action needed to turn this on. Fidelity will first attempt to cover debit balances using funds in your core balance. The system will use any eligible secondary money market funds if the core balance is depleted. A Health Savings Account (HSA) can be an easy and smart way to save money to pay for qualified medical expenses1 for you and your dependents. With its triple …This Fidelity HSA review has been updated for 2024. If you’ve completed research in an attempt to find the best HSA account (see our rankings), you’re probably well aware that it is a bit of the “Wild West” out there. Because health savings accounts (HSAs) are still a relatively new type of investment account (they didn’t even exist ...Sep 10, 2565 BE ... Fidelity Money Market, for instance, charges 0.18 percent, or $1.80 per $1,000 invested. Compare expenses among money funds using the free ...Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify and let compounding grow wealth. Jack founded Vanguard and pioneered indexed mutual funds. His work has since inspired others to get the most out of their long-term stock and bond investments by indexing. Active managers want your money - our ...Jul 4, 2021 · Fidelity Health Savings Account is the best on the market. Hands-down the best. The only one that came close was the Lively HSA, but Fidelity's is even better. You can do a tax-free direct custodian-to-custodian transfer from your employer plan to Fidelity HSA at any time, no once a year limit, skimming off all of the cash and putting it to work.<link rel="stylesheet" href="/prgw/digital/fdic-interest-rate/styles.6ab0511c48a6ed5b.css">Nov 13, 2023 · The Fidelity High Yield Savings Account is a flexible and rewarding savings option that allows customers to earn higher interest rates as their balances grow. It’s suitable for individuals who want to see their money grow over the long term. Interest Details: – Below N100,000: 5.625% p.a.Mar 30, 2022 · You have two methods that can be used when transferring HSA assets to Fidelity. You can complete a 60-day rollover where you take a distribution from the current HSA and then make a rollover contribution to your Fidelity HSA. Or, you can submit a Transfer of Assets (TOA) request. A 60-day rollover is a reportable event and can only be …Fidelity automatically puts your uninvested cash in a money market fund that earns 4.97%, higher than bank sweep accounts and savings accounts. Learn how to open a Fidelity brokerage …If your Fidelity HSA ® is in connection with your employee benefits program, you may be able to take advantage of lower prices for this and other funds. Log in to your NetBenefits ® account for details.With an HSA you get a triple-tax advantage 1 to help you save money. All your HSA contributions are tax-free, whether pre-tax through your paycheck or after-tax contributions. Your investments grow tax-free, and withdrawals for qualified health expenses aren’t taxed either. 5 Plus after age 65, you can spend your HSA savings on anything you want.Mar 5, 2024 · Your Form 1099-SA for Your Health Savings Account (HSA) You may receive more than one Form 1099-SA, because distribution information on each form is limited to one account and one distribution code. This form is for illustrative purposes only. LINE 1: Reports the total amount of the distribution(s). LINE 2: Reports the earnings on … history topics tattoo places in nashville tennessee Feb 16, 2024 · Contributions reduce your taxable income, the money grows tax-free, and withdrawals for qualified expenses aren’t taxed either. You can invest HSA dollars the same way you would an individual ... Feb 26, 2563 BE ... comments. Use it to open a HYSA account today - http://bit. ly/39Ft7Rl #FidelitySavingsChallenge. Desmond ...A Roth IRA is a tax-advantaged retirement account. Each year, eligible clients can contribute funds they've already paid taxes on up to the maximum contribution limit. Contributions come from non-retirement accounts such as a brokerage account or a personal bank account. The IRA maximum contribution limit is $6,500 for 2023 and $7,000 for 2024 ... Fidelity receives compensation from Fidelity funds and products, certain third-party funds and products, and certain investment services. The compensation that is received, either directly or indirectly, by Fidelity may vary based on such funds, products and services, which can create a conflict of interest for Fidelity and its representatives. Jul 13, 2023 · Keep in mind that HSA contribution limits are rising in 2024. Individuals will see their savings cap increase 7.8% in 2024, going from $3,850 to $4,150. For family coverage, the HSA contribution limit rises to $8,300, up 7.1% from $7,750 this year. That’s the largest increase to HSA contribution limits since the accounts were first introduced ... Debit Card Terms of Use - Fidelity Investments1 day ago · I have an HSA and 401K through Fidelity and while the 401K gets updated properly, my HSA is frequently needing a refresh in the connection. This doesn’t seem to do anything to fix the issue after I go through the guided steps … does canned soup go bad Feb 3, 2023 · Fidelity offers an HSA with great investment options, including stocks, bonds, mutual funds, CDs, ETFs, and fractional shares. You can choose from a self-directed HSA or a managed account with Fidelity, taking advantage of Fidelity's investment guidance to choose which investments suit you.Feb 29, 2024 · Wealthfront, FDIC Insured Account. Insider’s Rating 4.25/5. Perks. Earn $60 for depositing at least $25,000, $125 for depositing at least $50,000, $250 for depositing at least $100,000 or $625 ...Nov 5, 2022 · Investing. I came across a banking site called Wealthfront that's promising a HYSA with a 3.3% APY (15x times the national average they advertise). With unlimited transfers and 3.3% growth, and seemingly no sneaky minimum-anything, I'm wondering what the drawback would be for moving my E.F. here. Heck, based on what I'm reading I could … delaware auto glass pokemon or rom ---2