Search found 257 matches

by BUBear29
Thu Sep 12, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

I just transferred everything from Vanguard to consolidate at Fidelity. 1) Yes you can transfer VTSAX in kind. I did this then exchanged for FSKAX in my Roth. Not sure if you have taxable funds but that would be a different approach. 2) Yes you can transfer in kind to Fidelity. It will likely be th...
by BUBear29
Thu Sep 12, 2019 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

I just transferred everything from Vanguard to consolidate at Fidelity. 1) Yes you can transfer VTSAX in kind. I did this then exchanged for FSKAX in my Roth. Not sure if you have taxable funds but that would be a different approach. 2) Yes you can transfer in kind to Fidelity. It will likely be th...
by BUBear29
Wed Sep 11, 2019 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

Hello everyone. I've got a couple questions regarding (possibly) consolidating at Fidelity. 1. I have a Roth IRA at Vanguard, all in VTSAX (Vanguard Total Stock Market Index Admiral). Can I transfer it in-kind to Fidelity, keeping VTSAX with no penalty? Or does/should it be exchanged for a Fidelity...
by BUBear29
Wed Sep 04, 2019 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

Good to know it theoretically works still. My local wealth management guy tried it himself this morning and was unable to add a new Fidelity account to his Venmo account. He felt this was concerning and is escalating the issue. Well, it seems that it was effectively escalated and likely resolved. I...
by BUBear29
Wed Sep 04, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

So I ran into a snag today (Saturday). I went to a bank of america ATM to withdraw some cash from my CMA (which has overdraft turned on and $0 in it), but the transaction was declined due to insufficient funds. So it did not automatically overdraft any cash into the CMA from the investment account....
by BUBear29
Tue Sep 03, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

Same routing. Appears to be a Venmo issue I wonder if your bank transfer would fail if you tried now. Venmo support seemed pretty clear that the routing number is not supported. Or perhaps it will be enabled again soon. All the Twitter comments are over the past couple weeks. Nope it worked. I just...
by BUBear29
Mon Sep 02, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

will do
by BUBear29
Mon Sep 02, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

Same routing. Appears to be a Venmo issue I wonder if your bank transfer would fail if you tried now. Venmo support seemed pretty clear that the routing number is not supported. Or perhaps it will be enabled again soon. All the Twitter comments are over the past couple weeks. Nope it worked. I just...
by BUBear29
Mon Sep 02, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

Same routing. Appears to be a Venmo issue
by BUBear29
Mon Sep 02, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

My CMA is connected to my Venmo account. Can transfer money in and out with no issue.
by BUBear29
Sat Aug 31, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

Curious to get Fidelity users response here: I have a taxable account I am saving for my daughters’ (2 currently under 2yo) future cars, wedding and house downpayment savings. I want this account to be a whole portfolio. I want to know what etf’s people at Fidelity would use to construct a whole por...
by BUBear29
Thu Aug 22, 2019 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity??
Replies: 70
Views: 5434

Re: Vanguard vs. Fidelity??

OP here...Yesterday I went into Fidelity and opened up a brokerage account. I haven't funded it yet as I am still working out the best strategy here... If my aim is to hold the S+P 500 (or total market) in a taxable account would the obvious choice be to buy the Fidelity Zero Large Cap -FNILX (whic...
by BUBear29
Wed Aug 21, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity??
Replies: 70
Views: 5434

Re: Vanguard vs. Fidelity??

I've been with Fidelity for 15 years for brokerage accounts. For taxable, I have been doing research on this and am leaning towards Fidelity as a platform but purchasing Vanguard ETFs. Far from comprehensive on all pros and cons - here are my reasons for this: 1. Fidelity's customer service is very...
by BUBear29
Wed Aug 21, 2019 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity??
Replies: 70
Views: 5434

Re: Vanguard vs. Fidelity??

Untrue. FWWFX or URTH FWWFX is an active fund with .94% ER. It holds 265 stocks. URTH is developed markets large cap, holds 1,223 stocks, and is still more than twice as expensive as VTWAX. They simply are not in the same category with VTWAX, which holds over 8,000 stocks. I see your point but to s...
by BUBear29
Wed Aug 21, 2019 8:09 am
Forum: Personal Finance (Not Investing)
Topic: What are your thoughts on USAA for checking? Insurance? Banking in general?
Replies: 44
Views: 2215

Re: What are your thoughts on USAA for checking? Insurance? Banking in general?

We've been with USAA for 25-30 yrs. I compare car insurance prices every few years, have never found cheaper. For those who find Geico cheaper, make sure you're comparing equal plans. Geico has always been 10-20% more when I compare. We carry high deductible, $1000, two adults, one child with permi...
by BUBear29
Wed Aug 21, 2019 6:50 am
Forum: Personal Finance (Not Investing)
Topic: What are your thoughts on USAA for checking? Insurance? Banking in general?
Replies: 44
Views: 2215

Re: What are your thoughts on USAA for checking? Insurance? Banking in general?

Used to use USAA for banking shortly - it was fine. Used to use them for insurance - now with Geico and paying 50% less. Used to use them for credit card but have had my card compromised twice in a year - never had this issue with another credit card issuer. I am finally moving on from USAA in all c...
by BUBear29
Wed Aug 21, 2019 6:49 am
Forum: Personal Finance (Not Investing)
Topic: What are your thoughts on USAA for checking? Insurance? Banking in general?
Replies: 44
Views: 2215

Re: What are your thoughts on USAA for checking? Insurance? Banking in general?

Used to use USAA for banking shortly - it was fine. Used to use them for insurance - now with Geico and paying 50% less. Used to use them for credit card but have had my card compromised twice in a year - never had this issue with another credit card issuer. I am finally moving on from USAA in all c...
by BUBear29
Tue Aug 20, 2019 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity??
Replies: 70
Views: 5434

Re: Vanguard vs. Fidelity??

I am about to deposit a significant sum into either Vanguard or Fidelity. I am FIRE and like to keep my finances as simple as possible, while also maximizing return, minimizing expenses. I plan to use a 2 fund portfolio probably around 85/15 (85 being S+P or total market/ 15 for bonds+cash). I won'...
by BUBear29
Tue Aug 20, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity??
Replies: 70
Views: 5434

Re: Vanguard vs. Fidelity??

This limits my transaction cost to a max of $9.90 a year. What is a transaction cost? :greedy 2 Fidelity commissionable trades @ $4.95/trade. It's been so many years since I have seen one of those I forgot what they were. :twisted: If I wanted to avoid them I would just buy iShares. Also, I should ...
by BUBear29
Tue Aug 20, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity??
Replies: 70
Views: 5434

Re: Vanguard vs. Fidelity??

I am myself in similar dilemma. Have accounts at both and I am wondering whether I should consolidate to just one. I like Fidelity instead of Vanguard, but isn't it true that Fidelity index funds are not tax efficient? For those who wish to have automatic investments and not ETFs, then isn't Vangua...
by BUBear29
Sat Aug 10, 2019 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

So I ran into a snag today (Saturday). I went to a bank of america ATM to withdraw some cash from my CMA (which has overdraft turned on and $0 in it), but the transaction was declined due to insufficient funds. So it did not automatically overdraft any cash into the CMA from the investment account....
by BUBear29
Sat Aug 10, 2019 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

So I ran into a snag today (Saturday). I went to a bank of america ATM to withdraw some cash from my CMA (which has overdraft turned on and $0 in it), but the transaction was declined due to insufficient funds. So it did not automatically overdraft any cash into the CMA from the investment account....
by BUBear29
Fri Aug 09, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

I just decided today to consolidate everything to Fidelity. Will be leaving Vanguard and moving over rira’s, 529’s and taxable accounts. Since I use the CMA and am index investor, it makes sense to have everything in one place. It will be a hassle though, I’m sure. If anyone has any advice on how t...
by BUBear29
Thu Aug 08, 2019 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

Curious what funds people hold at fidelity for 3 fund. Since I will have my taxable account there. I am think across all my accounts that I will use: ITOT for total stock market FTIHX for total intl FXNAX for bonds Thoughts? In a taxable account you shouldn't use non-Vanguard mutual funds because t...
by BUBear29
Thu Aug 08, 2019 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

Curious what funds people hold at fidelity for 3 fund. Since I will have my taxable account there. I am think across all my accounts that I will use:

ITOT for total stock market
FTIHX for total intl
FXNAX for bonds


Thoughts?
by BUBear29
Thu Aug 08, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

Fidelity advantages: index funds as cheap or cheaper than Vanguard for most asset classes; three "zero" cost index funds; Fidelity have no where near the number of index funds Vanguard has. Furthermore, you will not find low cost active funds like Wesley or Wellington with ER <0.25. Heck, Fidelity ...
by BUBear29
Wed Aug 07, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

I just decided today to consolidate everything to Fidelity. Will be leaving Vanguard and moving over rira’s, 529’s and taxable accounts. Since I use the CMA and am index investor, it makes sense to have everything in one place. It will be a hassle though, I’m sure. If anyone has any advice on how to...
by BUBear29
Fri Aug 02, 2019 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: USAA suspects credit card may have been compromised
Replies: 17
Views: 1439

Re: USAA suspects credit card may have been compromised

No fraudulent charges noted, but this is my primary card so I'll go through the drill of updating all the auto-pays. :annoyed Just went through this drill myself with the auto-pays. I switched several of my direct credit card auto-pays (like Netflix) to PayPal linked to my CC. Now I just update in ...
by BUBear29
Fri Aug 02, 2019 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: USAA suspects credit card may have been compromised
Replies: 17
Views: 1439

Re: USAA suspects credit card may have been compromised

No fraudulent charges noted, but this is my primary card so I'll go through the drill of updating all the auto-pays. :annoyed Just went through this drill myself with the auto-pays. I switched several of my direct credit card auto-pays (like Netflix) to PayPal linked to my CC. Now I just update in ...
by BUBear29
Fri Aug 02, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: USAA suspects credit card may have been compromised
Replies: 17
Views: 1439

Re: USAA suspects credit card may have been compromised

well i guess usaa was right. just saw a $4200 pending charge on my card
by BUBear29
Thu Aug 01, 2019 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: USAA suspects credit card may have been compromised
Replies: 17
Views: 1439

Re: USAA suspects credit card may have been compromised

got the same message. annoyed. now i have to remember a new card number, expiry and pin
by BUBear29
Fri Jul 26, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Wife (teacher) and I are trying for a baby. What are some "must-knows" and other tips?
Replies: 122
Views: 8993

Re: Wife (teacher) and I are trying for a baby. What are some "must-knows" and other tips?

Borrow "The Happiest Baby on the Block" DVD from your library or Netflix. Basically, it shows you how to put a baby that is 0-6 months old to sleep or at least calm down. This was very effective for us. It is also a book, but the DVD is more effective in teaching the method. Try to organize a babys...
by BUBear29
Mon Jul 15, 2019 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 162
Views: 26846

Re: Cash - Throw it all on the table!!!

Currently at $48k in Vanguard Federal MM. This fluctuates up to $60k during year then back down to $48k with my roth ira contribution. Any cash over the $60k goes into total stock fund. I aim to keep 6months expenses ar a minimum in MM but know I have much more in my taxable mutuals if necessary. Al...
by BUBear29
Mon Jul 15, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to Denver
Replies: 9
Views: 1259

Re: Relocation to Denver

Used to live in Denver and actually built a house in Stapleton before moving to Southlake (Dallas). Good suggestions in this thread so far. It really depends on what you want out of your living arrangement/commute. If cheaper rent, better housing and decent accessibility with fewer people your age/s...
by BUBear29
Wed Jun 12, 2019 7:01 am
Forum: Personal Consumer Issues
Topic: Amazon Smile donations to John Bogle Foundation [and other charities]
Replies: 11
Views: 1209

Re: Amazon Smile donations to John Bogle Foundation

I just received the same email, but my charity is St Jude Children’s Hospital which just received a quarterly donation of $415.616.45 - pretty remarkable!
by BUBear29
Sat Jun 01, 2019 6:58 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 484
Views: 54172

Re: What is/ was your career and would you recommend it now?

I’m an underwriter of commercial debt at a very large bank. Great pay, work-life balance and benefits. Usually work about 50 hours a week maximum. Not the most exciting job but you get to work with some great companies during the day and spend time your family at night. Also I get over 5 weeks of pa...
by BUBear29
Sun May 19, 2019 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

montee4 wrote:
Sun May 19, 2019 12:15 pm
Where do you guys keep your emergency fund? Just in one of their Money Market Funds? Assuming these are safe from any losses?
Separate CMA all in FDLXX
by BUBear29
Mon May 13, 2019 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 60
Views: 10538

Re: Moving to The Woodlands,TX

BradJ wrote:
Sun May 12, 2019 10:26 pm
Irony at its best, I am visiting the Woodlands as we speak, with an interview tomorrow. One thing that stands out is how the homes are right on top of each other, which is something I’m not used to.
if you go into Houston, do yourself a favor and eat at El Tiempo - fabulous mexican food.
by BUBear29
Sun May 12, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 60
Views: 10538

Re: Moving to The Woodlands,TX

Used to live in Houston (Rice Village) then moved to Denver and now live in Southlake. I actually prefer Houston weather over all these places as it relates to year-round weather - summer is pretty bad though! Fall-winter-spring is great! If I were to ever move back to Houston, I would move to The W...
by BUBear29
Wed May 01, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Babymoon?
Replies: 36
Views: 3144

Re: Babymoon?

Spain/Portugal without a doubt. See beautiful museums and architecture in Madrid and Barcelona, drink wine and sangria, eat paella, then travel down the coast visiting small beach towns and taking it slow.

Spain is my favorite place to visit with my wife.
by BUBear29
Sun Apr 28, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5425

Re: Texas property tax protest

imo that make no sense. there should not be a property that had value go down over that time period. that has to be an outlier. any property ive ever looked at in DFW has not gone down in value (whether assessed or market comp). Especially not in Southlake or Plano areas Yes, the one on the left is...
by BUBear29
Sun Apr 28, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5425

Re: Texas property tax protest

As someone who just applied for a job in TX, I have to ask about these outrageous property taxes. Do they go up every year? Is personal property taxes in Texas high as well? I live in Arkansas, where they tax you on everything, including income. It seems AR is death by a thousand cuts and TX is jus...
by BUBear29
Sun Apr 28, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5425

Re: Texas property tax protest

As someone who just applied for a job in TX, I have to ask about these outrageous property taxes. Do they go up every year? Is personal property taxes in Texas high as well? I live in Arkansas, where they tax you on everything, including income. It seems AR is death by a thousand cuts and TX is jus...
by BUBear29
Sun Apr 28, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5425

Re: Texas property tax protest

As someone who just applied for a job in TX, I have to ask about these outrageous property taxes. Do they go up every year? Is personal property taxes in Texas high as well? I live in Arkansas, where they tax you on everything, including income. It seems AR is death by a thousand cuts and TX is jus...
by BUBear29
Sun Apr 28, 2019 4:44 am
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 122
Views: 14738

Re: Tequila and Magaritas

my go to marg at home is a cocktail inspired drink.

2 shots tequila
1 shot lime juice
1/2 shot agave nectar

shaken in ice and strained

For straight tequila sipping, you need a nice Case Noble Anejo (purple)
by BUBear29
Sun Apr 28, 2019 4:17 am
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5425

Re: Texas property tax protest

So we moved to TX, our property tax bill just came. - Purchase price: 575k (2018) - Tax bill value estimate: 578k (tax is then 2.35% of the appraised value) Our neighborhood is brand new, I'm guessing it would be difficult to run any 'comps' in this area. It's mostly dirt. I've asked people at work...
by BUBear29
Sun Apr 28, 2019 4:00 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

A word of caution to those who plan to rely on the auto redemption and sweep of money from Fidelity's brokerage to cash account. I used to keep a $0 balance in the cash account and every payment was swept from brokerage. Over the Easter holiday weekend, when banks were open Good Friday but the stoc...
by BUBear29
Tue Apr 23, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: How to clean a garage?
Replies: 71
Views: 4362

Re: How to clean a garage?

What items have you not used in the last year? Put those items in a pile and get rid (donate) of them.
by BUBear29
Mon Apr 22, 2019 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118805

Re: Fidelity as a one stop shop

Anyone moved to Fidelity from Vanguard for simplicity? How do you like it? I currently have 529, retirement accounts and taxable at Vanguard and checking/EF/charitable fund at fidelity. I highly doubt vamguard will ever launch a cma product so I am considering moving everything to fidelity for simpl...
by BUBear29
Sun Apr 21, 2019 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card for College Freshman
Replies: 50
Views: 2210

Re: Best Credit Card for College Freshman

Discover was my first credit card in college. They gave me a whopping $500 limit.

Then I moved on to Chase Freedom