Search found 13 matches

by saulg
Tue Dec 05, 2023 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else having sync issues with Empower?
Replies: 37
Views: 8887

Re: Anyone else having sync issues with Empower?

Admiral Fun wrote: Tue Dec 05, 2023 5:42 am We have two Fidelity logins (mine and spouse). I can get either one to work with the new system but not both at the same time (dreaded dot is always next to one of them). Anyone else having this issue?
I have this exact same problem as well. Started after recently being required to update how my accounts were linked.
by saulg
Tue Dec 05, 2023 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else having sync issues with Empower?
Replies: 37
Views: 8887

Re: Anyone else having sync issues with Empower?

Chriscic42 wrote: Mon Dec 04, 2023 11:20 pm Also my biggest Fidelity brokerage account seems completely borked now; it has all the holdings in there, PLUS the same amount in cash. So account value when I look in holdings is 2X as much as it should be (though it shows close to correct in net worth). And the account value won't update, as its stuck on the fictional "cash" amount vs. the correct amount as the stock changes.
I have the exact same problem that started after I was required to update how my Fidelity accounts were linked. It also messes up the Allocation % view. I logged a ticket with Empower support 13 days ago but so far no response.
by saulg
Fri May 21, 2021 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
Replies: 1772
Views: 194744

Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit

Is anyone lacking confidence that their employer’s payroll department will be good at administering opt-outs? Particularly, I am one of few who work in Washington state, so I could see it going either way. I am a state employee of a school here, and while their website has information about the upcoming law, there's no information on whether or not they'll give us an opt-out through our benefits yet. I've contacted a broker about this for myself and my spouse for the time being, just to review our options. This is the response I got from SEBB this week re: our Washington State School District: 1) Does the third-party Long Term Care insurance (LTCi) benefit currently offered by the District (through Unum) qualify for “opt-out” of the new pa...
by saulg
Sun Mar 01, 2020 12:04 am
Forum: Investing - Theory, News & General
Topic: Are you glad to have bonds in your AA? I am.
Replies: 76
Views: 5705

Re: Are you glad to have bonds in your AA? I am.

If one is retired then what is one's investment horizon?
Expected date of expiration?
by saulg
Sat Feb 29, 2020 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 5973
Views: 1008211

Re: Fidelity as a one stop shop

I thought the minimum to invest in FZDXX was 100k?
by saulg
Sun Nov 10, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 5973
Views: 1008211

Re: Fidelity as a one stop shop

wanderer wrote: Sun Nov 10, 2019 2:00 pm Seeing the CMA's core balance at $0 and trusting the automatic transfers from SPRXX took a month or so to recognize routinely, but smooth sailing now.

Our CMA account is not linked to the other accounts just in case we screw up or some crook drains our checking/CMA account.
Within the unlinked CMA, if you put everything in the SPRXX money market fund and leave the Core position at $0, will the CMA automatically sell/liquidate SPRXX into Core to satisfy incoming debit transactions (eg, checks, BillPay, ATM withdrawals) as they come in?
by saulg
Wed Mar 28, 2018 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Lively HSA offers first dollar investing
Replies: 352
Views: 78112

Re: New HSA provider Lively offers investments for $30/yr fee

Charged by Lively and comes out of your linked bank account.
by saulg
Mon Oct 23, 2017 1:55 pm
Forum: Personal Investments
Topic: Bonds at Age 50?
Replies: 17
Views: 2664

Re: Bonds at Age 50?

We are 60/33/7.
by saulg
Mon Jul 31, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: How do I shop around for a HELOC?
Replies: 9
Views: 2179

Re: How do I shop around for a HELOC?

What do you think of this PenFed 5/5 HELOC product? Any reason not to take it over their regular HELOC?

https://www.penfed.org/home-equity-cent ... -of-credit
by saulg
Wed Jun 28, 2017 9:27 pm
Forum: Personal Investments
Topic: Can we retire early?
Replies: 18
Views: 5610

Re: Can we retire early?

No asset manager, I have only myself to thank for this fund mess. :)
by saulg
Mon Jun 26, 2017 9:13 pm
Forum: Personal Investments
Topic: Can we retire early?
Replies: 18
Views: 5610

Re: Can we retire early?

Thanks to everyone for the feedback. It has given us a lot to think about and is much appreciated. Some follow up answers: The concentrated stock position was indeed from an employer plan and we are working to diversify out of that. The viewpoint that the risk this presents offsets the tax implications of selling in context of our current plan is helpful. We are using Personal Capital to get an idea of cash flow and expenses. This pretty much just extracts everything from our bank accounts, credit cards, etc to arrive at total expenses. We need to find a better way to think about current and projected expenses through retirement as suggested. We based the 110k in annual expenses on our spend over the past year which included about 20k in ta...
by saulg
Sun Jun 25, 2017 10:36 pm
Forum: Personal Investments
Topic: Can we retire early?
Replies: 18
Views: 5610

Can we retire early?

We would like to retire early and are seeking advice on how to adjust our portfolio to support this goal. As we itemized this per the forum posting template, we realized what a mess our portfolio is - spread all over the place with an aggressive asset allocation that is too heavily concentrated in one asset and one sector. We have been selling down the concentrated position but are sensitive to the associated tax consequences. We recently opened a Vanguard account and started moving funds there and would like to build a base there outside of our employer tax advantaged accounts. We have been reading a lot here and on /r/financialindependence/ lately to get educated and appreciate any guidance this community might be willing to provide. Ques...