Search found 176 matches

by MisterBill
Mon Oct 09, 2017 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to pay estimated taxes on a K-1 from an estate?
Replies: 3
Views: 534

Re: Do I need to pay estimated taxes on a K-1 from an estate?

Possibly because of lower wages this yr., you may not meet the safe harbor of 100%(110%) of last yrs taxes. Perhaps the other safe harbor of 90% of this yrs taxes may apply but you will have to do a simulated tax return to see. Thanks.. it seems like the 90% would be of the total amount of taxes du...
by MisterBill
Sun Oct 08, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to pay estimated taxes on a K-1 from an estate?
Replies: 3
Views: 534

Do I need to pay estimated taxes on a K-1 from an estate?

I received a K-1 with a significant long-term capital gain from my mother-in-law's estate earlier this year. Do I need to pay estimated taxes on it, or do I just need to worry about paying what I paid on my 2016 taxes to avoid a penalty when I file my 2017 taxes? Complicating things here, I retired ...
by MisterBill
Sun Oct 08, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 2388

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

Congratulations! I think you made a good safe choice leaving you or survivor with guaranteed income for life with no possibility of messing that part up: scams, poor thinking in old age, markets not doing well, etc. So I wasn't going to post this, but here goes. I realized that if I picked the lump...
by MisterBill
Fri Oct 06, 2017 11:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 252
Views: 33990

Re: Roll Call for the Retirement Class of 2017!

I retired as of 9/1 (just found this thread). I'll be 62 in November and had intended to work for another 3 years but a situation at work made retiring a better option than staying (or trying to stay). I looked at my financial situation and fortunately retirement was an option that we could afford t...
by MisterBill
Thu Oct 05, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 5249

Re: Anyone go 100% Ally or another online bank for all banking needs?

I've been using Bank of Internet as my primary bank for a few years now, 1.25% interest so long as I do 15 debit transactions a month (it used to be easier to get before they changed the requirements). The only thing i miss having a local bank for is if I get cash and need to deposit it. I have a Ba...
by MisterBill
Thu Oct 05, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 2388

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

Take the pension as an annuity. You can sleep at night. So, I'm the OP and figured I'd come back and report on my decision. I decided to go with the straight annuity, 100% survivor option. It just seemed like the easier way to go, and I'm comfortable with the decision. And I liked your comment abou...
by MisterBill
Fri Jul 28, 2017 4:52 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 642
Views: 104284

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Earl Lemongrab wrote:Right, the actual card with the 1.75% is the cash-back card with the Preferred Rewards boost.
Too many different "rewards" names! I fixed my post.
by MisterBill
Fri Jul 28, 2017 12:23 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 642
Views: 104284

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I have enough at ME to be eligible for the 75% bonus. To get back to the above, which card is better for general spend, Preferred Rewards or Travel Rewards? We travel enough that we wouldn't have a problem getting eligible travel charges. Definitely Travel Rewards. The Cash Rewards card is only goi...
by MisterBill
Sun Jul 23, 2017 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Any way to avoid capital gains tax (from K-1) using married filing separately?
Replies: 21
Views: 1224

Re: Any way to avoid capital gains tax (from K-1) using married filing separately?

However, if the partnership didn't make a Section 754 election (and doesn't want to apply for a ruling for an extension of time to make the election), the estate will have a capital loss on its partnership interest corresponding to the pre-death appreciation. (If the partnership is able to make the...
by MisterBill
Sun Jul 23, 2017 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Any way to avoid capital gains tax (from K-1) using married filing separately?
Replies: 21
Views: 1224

Re: Any way to avoid capital gains tax (from K-1) using married filing separately?

But, getting to the question you asked, from the way you phrased things, I think you might have a common misunderstanding about how LTCG are taxed. Threads on this common misunderstanding arise every few weeks, it seems, and there is a rather grouchy one going on right now: https://www.bogleheads.o...
by MisterBill
Sun Jul 23, 2017 2:17 am
Forum: Personal Finance (Not Investing)
Topic: Any way to avoid capital gains tax (from K-1) using married filing separately?
Replies: 21
Views: 1224

Re: Any way to avoid capital gains tax (from K-1) using married filing separately?

I would at least ask the question why there was no step up in basis of her one-half interest in the property. Gill In for a penny in for a pound. I would ask the lawyer both questions (the basis step-up, and how the estate was able to pass the capital gain through). It's possible there was no basis...
by MisterBill
Sat Jul 22, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Any way to avoid capital gains tax (from K-1) using married filing separately?
Replies: 21
Views: 1224

Re: Any way to avoid capital gains tax (from K-1) using married filing separately?

I would at least ask the question why there was no step up in basis of her one-half interest in the property. Gill I'll speak to the person who worked on it. Meanwhile, I went into 2016 Turbotax and just entered a Form 1041 K-1 with the amounts on my form, and it tells me that I owe around $70k in ...
by MisterBill
Sat Jul 22, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Any way to avoid capital gains tax (from K-1) using married filing separately?
Replies: 21
Views: 1224

Re: Any way to avoid capital gains tax (from K-1) using married filing separately?

Are you saying the LTCG was about a million dollars? Was there no step up in basis in the estate? How did the accountant "decide" you would be taxed on the gain? There are rules governing this. Gill I was not the executor of the estate, my brother-in-law was and told us that the law firm and their ...
by MisterBill
Sat Jul 22, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Any way to avoid capital gains tax (from K-1) using married filing separately?
Replies: 21
Views: 1224

Any way to avoid capital gains tax (from K-1) using married filing separately?

OK I will start by saying I know I should talk to an accountant about this but I don't have one and don't have a lot of knowledge in this area, so I figured I'd ask here as a start. My wife's mother passed away a few years ago and we've been getting distributions from the estate. Earlier this year, ...
by MisterBill
Tue Jul 18, 2017 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Shall I roll over my TIAA-CREF retirment account to Vanguard
Replies: 32
Views: 4433

Re: Shall I roll over my TIAA-CREF retirment account to Vanguard

So I called a TIAA guy that I used to work with when I used their Wealth Management services (not the WM guy but an admin person) and said they are still my reps even though I don't pay for their service. He told me something that I did not know, that as a former NY employee (City University of NY),...
by MisterBill
Tue Jul 18, 2017 9:30 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 642
Views: 104284

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Unfortunately, current public brokerage bonuses are a lot worse than those avalable in the first quarter of the year. They are not even as good as those available just a few weeks back (Q2) -- unless one is willing to transfer $1M or so. Without public competing bonuses, Scottrade and others might ...
by MisterBill
Mon Jul 17, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Shall I roll over my TIAA-CREF retirment account to Vanguard
Replies: 32
Views: 4433

Re: Shall I roll over my TIAA-CREF retirment account to Vanguard

Since you haven't worked there for 29 years, I assume that this account corresponds to a small portion of your portfolio. Although the ER of these funds are more than what Vanguard would charge, they are not bad. But then again, every bit of savings is good. I personally like TIAA Traditional. So I...
by MisterBill
Mon Jul 17, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Shall I roll over my TIAA-CREF retirment account to Vanguard
Replies: 32
Views: 4433

Re: Shall I roll over my TIAA-CREF retirment account to Vanguard

I'm also considering what to do with my TIAA 403(b) from a university that I haven't worked at for 29 years. I'd always been pretty happy with their ER so I left it there, but looking at it now, they're definitely higher than I thought. I do not have access to TISPX that was mentioned earlier. Inste...
by MisterBill
Wed Jul 12, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 2388

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

Also, my decision to use a single tax rate for all investment income and all IRA withdrawals for all years is possibly an oversimplification. It's quite likely to vary over the years and by type of income. For example if some of the taxable investments are in common stocks, the tax impact would be ...
by MisterBill
Tue Jul 11, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 382
Views: 72939

Re: Bank of America/Merrill Edge - Preferred Rewards

Data Point: Just received my $1,000 bonus from last December's brokerage promotion at Merrill Edge. Took every bit of the 180 day qualifying period + one week in the terms, but it paid on time without any intervention from my end. Still a happy client and pleased with the Preferred Rewards program ...
by MisterBill
Tue Jul 11, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 2388

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

To help with this decision I calculated the age at which taking the additional $1,210 monthly pension from the full 100% survivor ($2,835) versus the partial 100% survivor ($1,625 mentioned in this post ) would overtake the lump sum one gets when choosing the partial pension. It assumes that all mo...
by MisterBill
Mon Jul 10, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 2388

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

From the BH postings, I understand that there is a consensus that lump sum is not a good deal. I think the consensus is based the assumption that people need a have stable income during retirement. If you have sizable tIRA, lump sum may make your income from 62 to 70 lower, so that you can make mor...
by MisterBill
Mon Jul 10, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 2388

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

I went back to the pension site and was able to get it to generate an estimate for the lump sum + annuity with 100% survivor benefit and it's $1,625/mo vs $1,918 with no survivor or $1,760 with 50%. That's compared to $2,835/mo with no lump sum. So with 100% survivor benefits for both, pension is $...
by MisterBill
Mon Jul 10, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 2388

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

If your wife has SS on her income, she could begin as early as 62 while you wait for age 70 and do 100% survivor on 100% annuity. 100% annuity means a guaranteed income rather than possibility of market crash, bad choices, scams and other negative influences in your or your survivor's later years o...
by MisterBill
Mon Jul 10, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 2388

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

I went back to the pension site and was able to get it to generate an estimate for the lump sum + annuity with 100% survivor benefit and it's $1,625/mo vs $1,918 with no survivor or $1,760 with 50%. That's compared to $2,835/mo with no lump sum.
by MisterBill
Mon Jul 10, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 2388

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

Was the adviser who suggested taking the lump sum also expecting to earn a commission from your lump sum investments? If so, than his advice might not be solely in your best interests. He acts in a fiduciary capacity so it should not be based on that. A couple of co-workers also brought up that poi...
by MisterBill
Mon Jul 10, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 2388

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

It is easy enough to price a comparable annuity and compare it to the lump sum offered. When I did this for my pension options the lump sum was not a good financial option. It's tough to compare because Immediate Annuities doesn't show a 50% spouse benefit (only 100%) and my pension doesn't show a ...
by MisterBill
Mon Jul 10, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 2388

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

You did not mention if the pension was COLA based or not. If not COLA based, the purchasing power of your pension will decline dramatically over a long retirement. Also, you may be able to use tax strategies to reduce taxes on the lump sum by taking it as income when your income is low, especially ...
by MisterBill
Mon Jul 10, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 2388

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

My experience with lump sums is that the company is trying to woo people who don't do the math so that they can reduce their pension expenses. A few thoughts: Do you have to start the pension right away? My husband's goes up the longer we wait just like SS. Will the lump sum increase your RMDS too ...
by MisterBill
Mon Jul 10, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 2388

Re: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

You don't say whether the lump sum is coming out as funds that will be rolled over to an IRA or taken as taxable. If taxable, then definitely not. Even if pretax, I'd still say no, take the 100% survivor option. As I recently noted in another pension thread, we had a friend that took his pension wi...
by MisterBill
Mon Jul 10, 2017 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?
Replies: 34
Views: 2388

Yet another pension thread -- take partial lump sum w/reduced annuity or normal annuity?

I've been holding off creating a new thread because there are many others but none seem to be for my exact scenario and I need to make a decision. Sorry for the long post, but I figured the more info the better. I am retiring and have the option of a partial lump sum that would continue to pay me a ...
by MisterBill
Sun Jul 09, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 382
Views: 72939

Re: Bank of America/Merrill Edge - Preferred Rewards

Hi, does anyone have any experience with the BoA Business MasterCard? It has similar travel rewards to the personal BoA travel card, e.g. no foreign transfer fees, travel insurance, etc.. Does this card count for Preferred Rewards if included in an individual account? I'm doing a small amount of co...
by MisterBill
Fri Jun 30, 2017 8:28 pm
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 91
Views: 17488

Re: Switching to Fidelity's new Total International Index (includes small cap!)

If it were max $100K to hold, what would happen when it grows above $100K? Agreed, it makes no sense that they would be a limit to what you can hold. But it makes you wonder why the transaction amount limit. Maybe some regulation on the amount of foreign stock you can purchase in one transaction? I...
by MisterBill
Thu Jun 29, 2017 10:36 pm
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 91
Views: 17488

Re: Switching to Fidelity's new Total International Index (includes small cap!)

It's definitely worth discussing. It's pretty important to know what transactions can be made, and which will be stopped (especially if you are making exchanges in multiple accounts, and need all exchanges to execute to maintain asset allocation). We know that the $100k figure has some significance...
by MisterBill
Thu Jun 29, 2017 8:14 pm
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 91
Views: 17488

Re: Switching to Fidelity's new Total International Index (includes small cap!)

It is a maximum to hold. The person I spoke with initially thought it was per order, but he checked with a specialist and was told it was a maximum to hold. So now I am wondering if I should supplement with FSIVX-Fidelity® International Index Fund - Premium Class or FSGDX-Fidelity® Global ex U.S. I...
by MisterBill
Fri May 05, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America bogus late payment fee.[temporary software glitch, gone now]
Replies: 52
Views: 6185

Re: Bank of America bogus late payment fee.[temporary software glitch, gone now]

I had it happen again on a couple of accounts this month, but I ignored it. It's just cosmetic, and doesn't affect the underlying financial happenings. It's actually a real logistical hassle for me to make the payment earlier, but I just don't think I need to, so I won't. Why is it a logistical has...
by MisterBill
Fri May 05, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America bogus late payment fee.[temporary software glitch, gone now]
Replies: 52
Views: 6185

Re: Bank of America bogus late payment fee.[temporary software glitch, gone now]

Got hit with it again this month. Just hit today, and my payment is pending, so I'm not going to bother calling since I assume they will fix it.

I should probably change my autopay date to the day before it's due to avoid this. But obviously it should not be happening at all!
by MisterBill
Fri May 05, 2017 3:41 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 642
Views: 104284

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Your best bet is to contact them, tell them you were unaware of the bonus program, and let them know that if you can't get one there you have an offer at TD Ameritrade that you will take advantage of. They might do something, they might not. Except I got $1200 from them last year so I clearly know ...
by MisterBill
Fri May 05, 2017 3:39 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 642
Views: 104284

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I haven't. They want new accounts so I think it is unlikely. One time about 3 years ago though I put in a transfer from Etrade to TD for $600. Etrade called me and said they would give me $600 to stay, so I did (for a while). They want new money, not necessarily new clients. Fidelity offers the bon...
by MisterBill
Wed May 03, 2017 10:02 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 642
Views: 104284

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Has anyone ever managed to get a bonus after adding the funds? I added $160k to my Fidelity account about a month ago, never even thought about signing up for a bonus until now (I know, stupid me, we got a check from an estate distribution and I was in a hurry to deposit it). I was thinking of email...
by MisterBill
Fri Apr 28, 2017 12:58 pm
Forum: Investing - Theory, News & General
Topic: "ETFs Are 'Weapons of Mass Destruction'"
Replies: 37
Views: 4968

Re: "ETFs Are 'Weapons of Mass Destruction'"

Translation: The low-cost ETFs (and index funds) out there are weapons of THEIR mass destruction. :D Well, if you look at their annual report, their assets dropped by $300m between 2015 and 2016 -- http://quote.morningstar.com/fund-filing/Annual-Report/2016/3/31/t.aspx?t=FPPTX&ft=N-CSR&d=2bfe71366a...
by MisterBill
Fri Apr 28, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 382
Views: 72939

Re: Bank of America/Merrill Edge - Preferred Rewards

So, here's a good experience I had with BofA Preferred Rewards CS. I inadvertently had not setup autopay on one of my BofA credit cards and got charged a late fee and interest this month. I finally got around to calling to ask them them to refund the fees and I had barely finished saying what happen...
by MisterBill
Thu Apr 13, 2017 1:53 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 382
Views: 72939

Re: Bank of America/Merrill Edge - Preferred Rewards

In a phone call with BoA today, I was told that the accounts do need to be open for three months in order to calculate the 3 month average daily balance. So either the rules have been changed or my rep was misinformed. It is also possible that my ME funds do not count yet towards my balance because...
by MisterBill
Mon Apr 10, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America bogus late payment fee.[temporary software glitch, gone now]
Replies: 52
Views: 6185

Re: Bank of America bogus late payment fee.[temporary software glitch, gone now]

I got hit with the late fee this month for an automatic payment that BofA was pulling from my bank. Fortunately, they must have noticed the problem and automatically credited back the late fee the same day. I got quite a shock when I saw the late fee at the top of the transactions, before looking sl...
by MisterBill
Mon Apr 10, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 382
Views: 72939

Re: Bank of America/Merrill Edge - Preferred Rewards

Also on the subject of BofA, did anyone else incorrectly get charged a late fee on your Travel Rewards or other card this month? I have autopay set up, so this obviously should never happen. Fortunately, after getting over the shock of seeing the $25 fee, I saw a corresponding $25 credit posted the ...
by MisterBill
Mon Apr 10, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 382
Views: 72939

Re: Bank of America/Merrill Edge - Preferred Rewards

Here's a thread from another forum about the mystery of the disappearing Bank Of America online chat. m So, it turns out that they have a secure chat capability thru Facebook. I found this out when I posted a review of their app and complained about not being able to contact CS any way other than p...
by MisterBill
Mon Apr 10, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 382
Views: 72939

Re: Bank of America/Merrill Edge - Preferred Rewards

Do any of the BofA cards have travel insurance / trip cancellation coverage ? It seems the Travel Rewards card does not. And since the 2.625% redemption rate is only if you redeem for travel, then we would have to purchase a separate travel insurance policy for each trip. That would completely defe...
by MisterBill
Mon Apr 10, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 91
Views: 17488

Re: Switching to Fidelity's new Total International Index (includes small cap!)

So, we're almost a year (10 months, to be exact) into the life of this fund. It appears that it is slightly lagging FSGDX. I just got a distribution from an estate and was going to rebalance the account at the same time. I'm wondering if I should put it into FSGDX or FTIPIX. I have some of each sinc...
by MisterBill
Wed Mar 22, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Using the Fidelity Rewards Visa in Europe?
Replies: 20
Views: 2503

Re: Using the Fidelity Rewards Visa in Europe?

student wrote:Capital One has a 1.5% cashback card with no foreign transaction fee.

Bank of America's Travel Rewards card is the same. And the rebate jumps to as high as 2.625% if you're a Preferred Rewards customer.
by MisterBill
Mon Mar 20, 2017 1:34 am
Forum: Personal Finance (Not Investing)
Topic: Using the Fidelity Rewards Visa in Europe?
Replies: 20
Views: 2503

Re: Using the Fidelity Rewards Visa in Europe?

For getting cash at bank ATMs, I did have to enter the card's PIN, so make sure you have that memorized. I always like to have plenty of cash in Europe since many restaurants won't take cards. Had quite a scare once at a business dinner in Paris once when I figured out that the French at the bottom...