Search found 61 matches

by uberme
Sun Oct 20, 2019 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: I bought a STOLEN vehicle!!!
Replies: 106
Views: 15886

Re: I bought a STOLEN vehicle!!!

Wow did not even know this was possible...
by uberme
Wed Mar 20, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: Being a Boglehead and car enthusiast stinks
Replies: 72
Views: 5029

Being a Boglehead and car enthusiast stinks

Having a little pity party for myself... DW and I are responsible with retirement savings, bigger home savings, kids college savings, etc. We’re doing everything right and thankfully have been blessed... I’ve have had a sports car in storage since before my Boglehead ways. Almost a decade... never f...
by uberme
Wed Mar 13, 2019 9:00 pm
Forum: Personal Investments
Topic: Time to buy Boeing?
Replies: 74
Views: 7686

Re: Time to buy Boeing?

Meh, the price was way lower in December / January. Low in Dec was $293
by uberme
Wed Mar 13, 2019 6:43 pm
Forum: Personal Investments
Topic: Fidelity - Screwups + Bad Customer Service
Replies: 19
Views: 3060

Re: Fidelity - Screwups + Bad Customer Service

I would check to make sure the name on the funding account didn’t change and matches what you have in Fidelity
by uberme
Tue Mar 12, 2019 1:08 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1057
Views: 115748

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Word of warning to folks...if you're initiating a transfer to Fidelity from Optum Bank, do not select the "all funds" option when filling out the Fidelity transfer form. It caused my Optum Bank account to be closed, and I'm currently waiting to hear back from them on whether it can be reopened so I...
by uberme
Tue Mar 12, 2019 12:48 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1057
Views: 115748

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Word of warning to folks...if you're initiating a transfer to Fidelity from Optum Bank, do not select the "all funds" option when filling out the Fidelity transfer form. It caused my Optum Bank account to be closed, and I'm currently waiting to hear back from them on whether it can be reopened so I...
by uberme
Thu Feb 07, 2019 12:24 pm
Forum: Personal Investments
Topic: HSA to Fidelity, now where to park the funds?
Replies: 19
Views: 2961

Re: HSA to Fidelity, now where to park the funds?

I wanted to ask you which form you filled out to request your funds from HSA bank to go to Fidelity. Also, do your and your employer contributions still get deposited to your HSA bank after each paycheck? I just want to get as much information about this as possible before I make the switch. Thanks...
by uberme
Sun Jan 06, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: washer dryer rec
Replies: 22
Views: 1661

Re: washer dryer rec

Another vote for LG :beer
by uberme
Sun Jan 06, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 8775

Re: United, American, Delta--about the same?

Years ago, we took a long flight on United with a child under the age of 2. So, we did not need to buy a ticket for him, he rode on our laps if there was no empty seat. When it came time for them to serve lunch, they said "no meal for him, he does not have a seat". Since then, I have tried to avoid...
by uberme
Fri Jan 04, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Which iPhone: 8 or XR?
Replies: 45
Views: 3733

Re: Which iPhone: 8 or XR?

Cannot recommend the XR enough Great battery, great camera, fair price Same! Amazing to charge phone every other day! Got $200 for a 6S trade in at store. Heard mail in is tougher since they use a vendor which offers less money. $550 before tax. We keep our phones for 3 years. I thought it was too ...
by uberme
Fri Jan 04, 2019 10:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13682
Views: 2268570

Re: U.S. stocks in free fall

Huge December hiring - don’t see why the Fed wouldn’t continue raising rates? https://www.cnbc.com/2019/01/04/nonfarm-payrolls-december-2018.html “Nonfarm payrolls surged by 312,000 in December. Economists surveyed by Dow Jones had been expecting payroll growth of just 176,000. Wages jumped 3.2 perc...
by uberme
Fri Jan 04, 2019 10:51 am
Forum: Personal Investments
Topic: Consolidate to Fidelity?
Replies: 45
Views: 3894

Re: Consolidate to Fidelity?

We picked the one which had a branch close to us - having a in personal option when needed is important imo
by uberme
Thu Jan 03, 2019 9:19 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13682
Views: 2268570

Re: U.S. stocks in free fall

Sucks for everyone who funded and invested their Roth IRAs yesterday.
by uberme
Wed Jan 02, 2019 2:14 pm
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 160
Views: 9752

Re: Should I fully fund IRA each January?

I’m a big fan of dollar cost averaging because I know my risk tolerance which is conservative. Don’t think there is a right or wrong answer.
by uberme
Mon Dec 31, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 182953

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

We have a 2017 and love it. We switched to premium gas earlier in the year and haven’t had any problems - I check oil level regularly. Increased cost in gas price to avoid any headaches was worth it. Granted ours still has low mileage (10K)
by uberme
Mon Dec 24, 2018 5:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13682
Views: 2268570

Re: U.S. stocks in free fall

I could see this causing a recession... when people feel less wealthy they cut spending back. I wonder how many people are seeing their company stock shares nose diving (tech companies)
by uberme
Sat Dec 15, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13682
Views: 2268570

Re: U.S. stocks in free fall

Well at least my international stocks are giving me "diversification"
by uberme
Mon Dec 10, 2018 7:05 pm
Forum: Personal Investments
Topic: Establishing an account for young kids' benefit - college or otherwise
Replies: 5
Views: 509

Re: Establishing an account for young kids' benefit - college or otherwise

We did exactly this. The account has its own target allocation and we’ll decide when to gift, how much, etc. when the time is here. We did pick securities we don’t hold elsewhere for TLH ease. For us there is also the benefit of cost basis step up if anything happened. Don’t really think there is a ...
by uberme
Tue Nov 13, 2018 2:31 pm
Forum: Personal Investments
Topic: 401K plan changing funds.. ugh
Replies: 8
Views: 507

Re: 401K plan changing funds.. ugh

Got news that our 401k plan is removing Vanguard Target Date Funds for Callan GlidePath R6 funds... Expense ratio goes from 0.15% to .54% :annoyed Does anyone know anything about this structure? I'm now having to decide if I stick with it or move everything to S&P 500 (FXAIX, 0.015%) "The Fund is s...
by uberme
Tue Nov 13, 2018 12:52 pm
Forum: Personal Investments
Topic: 401K plan changing funds.. ugh
Replies: 8
Views: 507

Re: 401K plan changing funds.. ugh

That is a shame. I would just create your own 3-4 fund portfolio. What do you have available? Thanks - that's what I was thinking. We have decent index options (Fidelity/Vanguard S&P, Small Cap, Bond) with the exception of international which are all actively managed and terrible. Guess I'll have t...
by uberme
Tue Nov 13, 2018 12:20 pm
Forum: Personal Investments
Topic: 401K plan changing funds.. ugh
Replies: 8
Views: 507

401K plan changing funds.. ugh

Got news that our 401k plan is removing Vanguard Target Date Funds for Callan GlidePath R6 funds... Expense ratio goes from 0.15% to .54% :annoyed Does anyone know anything about this structure? I'm now having to decide if I stick with it or move everything to S&P 500 (FXAIX, 0.015%) "The Fund is su...
by uberme
Mon Aug 27, 2018 6:44 pm
Forum: Personal Investments
Topic: Am I thinking about this right? Life Insurance IPS
Replies: 2
Views: 248

Am I thinking about this right? Life Insurance IPS

I'm trying to figure out the best fund for this hypothetical scenario (will be meeting with estate planning attorney in the future) Spouse (income provider) passes, life insurance payout, surviving spouse between age 30-50, likes simple/basic investment structures Surviving spouse retired on day of,...
by uberme
Wed Aug 22, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: UPDATE: Credit Card Fraud - $30K
Replies: 66
Views: 9133

Re: Credit Card Fraud - $30K

This was the reason I cancelled my Citi card in the past, had consistent fraud chargers, even after they issued new cards! Didn't have an issue with any other cards then or after.
by uberme
Sun Aug 12, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 484
Views: 90558

Re: 2-year CDs at Vanguard and Fidelity Today

I'm looking at the CD rates for new issue @ Fidelity and just doesn't seem worth it compared to the MM which has a 7 day yield of around 1.55%. 3 month = 1.9%, 6m = 2%, 9m = 2.1%, 12m = 2.45% Maybe I'm missing something given rates are rising. I guess the FDIC is a big component but don't see a MM b...
by uberme
Fri Aug 10, 2018 9:48 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 484
Views: 90558

Re: 2-year CDs at Vanguard and Fidelity Today

Dumb question- do you guys prefer one over another in terms of New Issues or Secondary Issues (@ Fidelity)?
Haven't ever purchased a CD through a broker but looking to do so soon
by uberme
Tue Aug 07, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Term life application question
Replies: 3
Views: 417

Re: Term life application question

Thanks!
I sent a PM to him. I also reached out to Haven Life and they said I could revoke authorization to collect additional data if I decide to not proceed or if I do purchase a policy.
by uberme
Tue Aug 07, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Term life application question
Replies: 3
Views: 417

Term life application question

Hi everyone, applying for term with Haven Life and was really surprised that the disclosure states I'm providing permission to all my files for 2 years post sign date. Is this normal? There is a subsequent sentence saying this could be revoked by mailing them, however, no additional details were pro...
by uberme
Fri Jun 08, 2018 3:36 pm
Forum: Personal Investments
Topic: Fidelity Roth IRA $30K, age 35, how to investigate?
Replies: 14
Views: 1362

Re: Fidelity Roth IRA $30K, age 35, how to investigate?

Fidelity allows for automated investments in Mutual Funds. Can set it to be any frequency, even weekly. I would set a time frame and spread it across that if that makes it easier. :beer
by uberme
Thu May 31, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Thoughts on Buying a "Flipped" House?
Replies: 27
Views: 3609

Re: Thoughts on Buying a "Flipped" House?

I could image what’s under the flooring once you take them out.
I personally would pass - too much risk for me.
by uberme
Thu May 31, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 10778

Re: Router hack, have you acted?

How does rebooting help? If it is vulnerable before, it would still be vulnerable after reboot. It restarts stage 2 and 3. FBI took the site stage 2 called offline so stage 2 and 3 cannot restart. Device would still be in stage 1. Per my understanding. Factory reset is supposed to remove stage 1.
by uberme
Thu May 31, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 10778

Re: Router hack, have you acted?

This is a great resource
https://www.routersecurity.org

There is a great “Secure Router Configuration - Start With This” section.

Make sure remote management is off, admin password is unique and firmware up to date.
by uberme
Thu May 24, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 58
Views: 3123

Re: Free to freeze and unfreeze your credit report

Wasn't the removal always free but adding had a cost? Should be completely free now which is great news!
by uberme
Thu May 24, 2018 9:53 am
Forum: Personal Investments
Topic: div yield for vtsax doesnt make sense to me
Replies: 3
Views: 683

Re: div yield for vtsax doesnt make sense to me

I would look at the Dividend and Capital Gains Distributions history. Taking shares held * dividend amount. Distribution Date Distribution NAV Dividend Income Distribution Total 03/21/2018 67.84 0.2755 0.2755 12/20/2017 66.79 0.3276 0.3276 09/21/2017 62.42 0.2690 0.2690 06/20/2017 60.77 0.2800 0.280...
by uberme
Tue May 22, 2018 3:25 pm
Forum: Personal Investments
Topic: Roth question
Replies: 24
Views: 1887

Re: Roth question

Thanks everyone! :beer

Fidelity is great - explained what happened and they're working re-coding the deposit as a 60 day rollover. :sharebeer
by uberme
Tue May 22, 2018 11:59 am
Forum: Personal Investments
Topic: Roth question
Replies: 24
Views: 1887

Re: Roth question

The second contribution was NOT made within 60 days of the distribution...... How do you know that? :confused Because he read what the OP posted - I contributed $5500 to my Roth IRA in January. In late April I took the $5500 back out into checking and put it in a new Roth IRA. There is no rollover ...
by uberme
Tue May 22, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 14256

Re: Chase Savings Account emptied out!

Wow that is crazy! I would definitely close the account and enable text/email notification for the new.
by uberme
Mon May 21, 2018 7:52 pm
Forum: Personal Investments
Topic: Roth question
Replies: 24
Views: 1887

Re: Roth question

5498 reports the method for how money got into the account for the tax year and the fair market value at the end of the year. So yes, it separately reports money that came in through direct contribution, rollover or conversion (for a Roth account). In that case, the poster will definitely have to g...
by uberme
Mon May 21, 2018 3:41 pm
Forum: Personal Investments
Topic: Roth question
Replies: 24
Views: 1887

Re: Roth question

Earl Lemongrab wrote:
Mon May 21, 2018 3:30 pm
Contact the receiver and see about getting it reclassified as a 60-day rollover.
Awesome, I will do this. Thank you!

Thanks everyone!!
by uberme
Mon May 21, 2018 3:19 pm
Forum: Personal Investments
Topic: Roth question
Replies: 24
Views: 1887

Re: Roth question

Was there any gain on the $5,500 originally put in? I'm surprised you did not see a bunch of warnings/messages that you were doing something that might have tax consequences. There is a 10% penalty on early withdrawals (not counting the original investment). If your $5,500 grew to $5,550 and you to...
by uberme
Mon May 21, 2018 3:05 pm
Forum: Personal Investments
Topic: Roth question
Replies: 24
Views: 1887

Re: Roth question

Exactly how did you do it? Did you withdraw cash and deposit it as a rollover to the new one? What you should have done was a trustee transfer from old to new custodian. I took cash out and put cash into the new one, which shows as a regular contribution for 2018. I’m not sure if the IRS will see $...
by uberme
Mon May 21, 2018 10:31 am
Forum: Personal Investments
Topic: Roth question
Replies: 24
Views: 1887

Roth question

Hello all, Can someone please help me with a question - I contributed $5500 to my Roth IRA in January. In late April I took the $5500 back out into checking and put it in a new Roth IRA. I proceeded to move all funds from old to new. Do I need to have the $5500 coded as a rollover contribution? Or n...
by uberme
Mon May 21, 2018 9:22 am
Forum: Personal Investments
Topic: Please help me rationalise this 401k investment choice
Replies: 23
Views: 1671

Re: Please help me rationalise this 401k investment choice

Do they have any target date funds available?
by uberme
Thu May 10, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: e-signing documents with Fidelity
Replies: 2
Views: 533

Re: e-signing documents with Fidelity

I had brought that article and feature up to Fidelity, however, was told they don’t have it enabled. So the documents stay on the cloud with DocuSign indefinitely...
I’m waiting to see if the documents do delete after 14 or 30 days. Was hoping someone here ran into this and had a definitive answer.
by uberme
Thu May 10, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: e-signing documents with Fidelity
Replies: 2
Views: 533

e-signing documents with Fidelity

Has anyone used their e-signing ability, partnered through DocuSign? It seems like the documents are never purged from DocuSign servers - can anyone confirm this? Fidelity stated they don't know, but claimed for hard paper copies their retention is 30 days, but could not state a policy for esignatur...
by uberme
Wed May 09, 2018 2:34 pm
Forum: Personal Investments
Topic: Question on safety of ETFs
Replies: 32
Views: 3025

Re: Question on safety of ETFs

Tried ETFs but bigger fan of Mutual Funds because of the ability to automate investments. Less involvement needed from me the better (market timing)
by uberme
Wed May 09, 2018 2:27 pm
Forum: Personal Investments
Topic: Starting to Invest for 1yr old daughter
Replies: 27
Views: 3918

Re: Starting to Invest for 1yr old daughter

We decided to open a brokerage account in our names (FBO kids). This gave us unlimited control on what the funds will be used for (college, house downpayment, car), when it will be given, if we decide to gradually give the money, etc. For our planning purposes we treat it as a UGMA.
by uberme
Sun Apr 22, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 182953

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Ugh :shock: We bought a '17 last year and its been a dream thus far. At about 5,500 miles. Had the oil changed by the dealer two months ago for the first time, , posted 500 miles since, checking the oil no strong smell, however, its past the top mark... will call the dealership. Never smelt gas ins...
by uberme
Sun Apr 22, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 182953

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Ugh :shock: We bought a '17 last year and its been a dream thus far. At about 5,500 miles. Had the oil changed by the dealer two months ago for the first time, , posted 500 miles since, checking the oil no strong smell, however, its past the top mark... will call the dealership. Never smelt gas insi...
by uberme
Thu Apr 19, 2018 12:13 pm
Forum: Personal Investments
Topic: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?
Replies: 39
Views: 11149

Re: Should I be investing in PRIMECAP Odyssey Aggressive Growth Fund?

Awesome responses as always! Thanks everyone! I adjusted my AA to put some towards POAGX :sharebeer