Search found 54 matches

by arsenal_fan
Tue Oct 27, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1693
Views: 246060

Re: Fidelity as a one stop shop

Hmm, I can't seem to update the values on the phone for manually added accounts (show old values) and they are already with the correct values in the Full View app. Scroll to the bottom of the Net Worth page. Select Edit Non-Fidelity Accounts. Select an account that's linked to a bank. You'll find ...
by arsenal_fan
Tue Oct 27, 2020 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1693
Views: 246060

Re: Fidelity as a one stop shop

Does anyone use the Net Worth link in the Fidelity Mobile App? ... I found it only recently (a couple of weeks?) but have noticed improvements already since then. For instance, you can now hide Fidelity accounts and edit non-Fidelity accounts, including adding new ones and refreshing the data of ex...
by arsenal_fan
Mon Oct 19, 2020 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1693
Views: 246060

Re: Fidelity as a one stop shop

Does anyone use the Net Worth link in the Fidelity Mobile App? I was hoping it would display data from Full View but those net worth numbers are just wrong and don't seem to have refreshed since months. Fidelity Full View is up to date. Anyone have any luck using Full View/Net Worth from their mobil...
by arsenal_fan
Fri Oct 09, 2020 10:21 pm
Forum: Personal Investments
Topic: Fidelity Full View Asset Allocation?
Replies: 6
Views: 757

Re: Fidelity Full View Asset Allocation?

Does anyone use the Net Worth link in the Fidelity Mobile App? I was hoping it would display data from Full View but those net worth numbers are just wrong and don't seem to have refreshed since months. Fidelity Full View is up to date. Anyone have any luck using Full View from their mobile phones/a...
by arsenal_fan
Sun Sep 06, 2020 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4904
Views: 940364

Re: What's Your Credit Card Rewards Strategy?

I anticipated a lot of upcoming spending and travel and so applied for the Southwest Rapid Rewards 75K points in Jan. Am $100 shy of the companion pass, so should get there next statement. Plan to close this card soon after that. Since we're still buying things for the house, I think I can sign up ...
by arsenal_fan
Sun Sep 06, 2020 10:35 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4904
Views: 940364

Re: What's Your Credit Card Rewards Strategy?

I anticipated a lot of upcoming spending and travel and so applied for the Southwest Rapid Rewards 75K points in Jan. Am $100 shy of the companion pass, so should get there next statement. Plan to close this card soon after that. Since we're still buying things for the house, I think I can sign up ...
by arsenal_fan
Sun Sep 06, 2020 12:21 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4904
Views: 940364

Re: What's Your Credit Card Rewards Strategy?

Hey Guys, having gotten married last year, am looking to settle on a good credit card strategy and need critiques/suggestions. I used to only have no AF cards: the Uber Visa for 4% dining, 3% Amex Blue cash everyday (high credit limit) for any groceries/gas (minimally used), Chase Freedom and Citi D...
by arsenal_fan
Tue Aug 11, 2020 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 688
Views: 162372

Re: Bank of America/Merrill Edge - Preferred Rewards

In my experience the checking account is not a requirement I don’t think this is correct. From the ME website: There are no fees to join or participate in Preferred Rewards. Here's all you need to enroll: An eligible Bank of America personal checking account Three-month average combined balances of...
by arsenal_fan
Mon Aug 10, 2020 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 688
Views: 162372

Re: Bank of America/Merrill Edge - Preferred Rewards

In my experience the checking account is not a requirement I don’t think this is correct. From the ME website: There are no fees to join or participate in Preferred Rewards. Here's all you need to enroll: An eligible Bank of America personal checking account Three-month average combined balances of...
by arsenal_fan
Sun May 31, 2020 6:16 pm
Forum: Non-US Investing
Topic: H1B Exit Strategy 401K vs Roth vs Brokerage
Replies: 68
Views: 4925

Re: H1B Exit Strategy 401K vs Roth vs Brokerage

Bookmarked this thread. The information here is a bit overwhelming and I had no idea about estate tax. Will have to read through this. Thanks!
by arsenal_fan
Wed Mar 18, 2020 10:13 am
Forum: Personal Investments
Topic: Vanguard Website Issues using Chrome?
Replies: 12
Views: 494

Re: Vanguard Website Issues using Chrome?

Yeah, I can't login. It takes me to the 2-factor auth page but doesn't load. I know it because I received the sms with the code but I can't enter it anywhere. My workaround for now is using Incognito mode for Chrome which works. Disabling Adblock plus didn't seem to work. Maybe I need to restart the...
by arsenal_fan
Sun Mar 15, 2020 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1693
Views: 246060

Re: Fidelity as a one stop shop

Sorry, a little confused here with so many replies and alternatives. I currently have a DD from my paycheck going into my CMA account. I also have a Brokerage account which is at $0. I want to use one of the accounts for ATM withdrawals and the other to be invested in SPRXX. Currently I have a debi...
by arsenal_fan
Sat Mar 14, 2020 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1693
Views: 246060

Re: Fidelity as a one stop shop

Sorry, a little confused here with so many replies and alternatives. I currently have a DD from my paycheck going into my CMA account. I also have a Brokerage account which is at $0. I want to use one of the accounts for ATM withdrawals and the other to be invested in SPRXX. Currently I have a debit...
by arsenal_fan
Mon Dec 23, 2019 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: CitiCard: Convert Dividend to Double Cash
Replies: 9
Views: 837

Re: CitiCard: Convert Dividend to Double Cash

I was so close to doing this conversion but a cool $45 cashback (5%) on a RT international flight in September made me hold. They always have 5% on airlines and hotels in the 3rd quarter and I think that alone is worth holding on to the card and I maybe find something else to use in one of the other...
by arsenal_fan
Sun Jun 30, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Underpaid in bay area, seeking advice negotiating salary
Replies: 30
Views: 3809

Re: Underpaid in bay area, seeking advice negotiating salary

Everyone in the bay area, the techies, jumps from job to job in faang companies to claim that 20% pay bump every switch until they are "capped" by Peter's Principle to around 350-500k/yr TC . Then, they are stuck at that level a long time. You should do the same. 135k is "poverty&quo...
by arsenal_fan
Fri Jun 28, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 145
Views: 14971

Re: How did you lower your annual expenses?

-Don't eat out -Shop grocery ads (don't buy name brand food -or anything) -Dump Cable TV AND all subscription tv expenses (too many people dump cable TV at $1xx per month only to subscribe to 10 streaming services for $80+) -Use the library for books and other media -Reduce your cell phone bill dra...
by arsenal_fan
Fri Jun 28, 2019 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 145
Views: 14971

Re: How did you lower your annual expenses?

-Don't eat out -Shop grocery ads (don't buy name brand food -or anything) -Dump Cable TV AND all subscription tv expenses (too many people dump cable TV at $1xx per month only to subscribe to 10 streaming services for $80+) -Use the library for books and other media -Reduce your cell phone bill dra...
by arsenal_fan
Sun Jun 02, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 97
Views: 12685

Re: How long have you been unemployed?

34. Been laid off twice. 2009 for 6 months and 2017 for 1 month.
by arsenal_fan
Sun Apr 08, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Remove HSA Account Excess with contribution already invested
Replies: 3
Views: 525

Remove HSA Account Excess with contribution already invested

Hi Guys, In a bit of a dilemma here with excess HSA contribution that's already being invested in an investment account (TD Ameritrade) with my current HSA Trustee (Lively). 1. Previous employer had front loaded $1300 into my HSA account, and I would contribute an amount every paycheck that would ad...
by arsenal_fan
Sun Mar 11, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: What are your auto insurance limits?
Replies: 59
Views: 8964

Re: What are your auto insurance limits?

Property Damage Liability: $50,000 each accident Bodily Injury Liability: $25,000 each person / $50,000 each accident Comprehensive: $250 deductible Collision: $500 deductible Your bodily injury and property damage coverage seem really low. Unless you're ready to file for bankruptcy after any sort ...
by arsenal_fan
Sat Mar 10, 2018 12:41 am
Forum: Personal Finance (Not Investing)
Topic: What are your auto insurance limits?
Replies: 59
Views: 8964

Re: What are your auto insurance limits?

Incredible how low some of your rates are give your coverages. I pay $760/6 months for a 2018 Acura TLX. Had an accident 2.5 years ago where my insurance paid out $5k to the other party. Insured with progressive and they are by far the lowest. Any better tips on applying for auto insurance? I get to...
by arsenal_fan
Mon Feb 05, 2018 11:08 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 78062

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Apologies, but this thread has gotten a little hard to follow. Could anyone recommend any stocks/ETFs worth purchasing from TDAmeritrade by selling off shares of the vanguard bond fund I own viz. BND?
by arsenal_fan
Thu Feb 01, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Lively HSA offers first dollar investing
Replies: 350
Views: 66337

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

Anyone advice on here move from people who've moved from HSA Bank + TDAmeritrade to Lively + TDAmeritrade? Need to do it soon and so am not sure if I need to sell (and rebuy) my investments in TDAmeritrade when I make the switch. I'm actually in process of doing this exact thing right now. You just...
by arsenal_fan
Mon Jan 29, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Lively HSA offers first dollar investing
Replies: 350
Views: 66337

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

Anyone advice on here move from people who've moved from HSA Bank + TDAmeritrade to Lively + TDAmeritrade? Need to do it soon and so am not sure if I need to sell (and rebuy) my investments in TDAmeritrade when I make the switch.
by arsenal_fan
Mon Jan 08, 2018 2:05 am
Forum: Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 49
Views: 14076

Re: TD Ameritrade fund replacement

Can I just switch custodians from HSA to Lively, and retain my TDAmeritrade account which has $10k in BND (commission free ETF)? I don't have an employer sponsored HSA/HDHP plan anymore and so wouldn't mind the $10k remaining invested in BND for the foreseeable future. I would imagine no fees apply ...
by arsenal_fan
Wed Jan 03, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 165
Views: 20334

Re: Max It Out Tomorrow [your IRA]

If I have to do a recharacterization for 2017, should I still max out my Roth IRA with $5500 before that? Waiting on the recharacterization since I don't know my overall income for 2017.
by arsenal_fan
Mon Jan 01, 2018 10:38 pm
Forum: Personal Investments
Topic: Portfolio Review please
Replies: 4
Views: 570

Re: Portfolio Review please

In my current 401k, the bond funds I have are: Core Bond Fund - JICDX - 0.17 Fidelity Advisor Total Bond - FEPIX - 0.25 Investment Qual Bond Fund - JIQBX - 0.18 John Hancock Bond Fund - JHBSX - 0.17 Real Return Bond Fund - JIRRX - 0.25 Again, the expense ratios on these look a little on the higher ...
by arsenal_fan
Mon Jan 01, 2018 7:00 pm
Forum: Personal Investments
Topic: Portfolio Review please
Replies: 4
Views: 570

Re: Portfolio Review please

Contribute $5500 in Roth IRA towards my Bond allocation. Do you have a decent bond fund in your 401k plans (current or former)? Generally it's better to put assets with lower expected growth (bonds) in pre-tax accounts and assets with higher expected growth (stocks) in Roth accounts. Hi Duckie, tha...
by arsenal_fan
Mon Jan 01, 2018 4:38 pm
Forum: Personal Investments
Topic: Portfolio Review please
Replies: 4
Views: 570

Portfolio Review please

Hey guys, Happy New Year! TLDR Alert. Thanks to the advice given, I think my profile is being fairly steady. Please gut-check wherever necessary. Just wanted some thoughts on my profile given there were a few changes that completely threw me off late last year and I've neglected my investments a bit...
by arsenal_fan
Thu Dec 28, 2017 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 43871

Re: Ally Bank 11 month [No-Penalty CD]

You don't need to call - you can do it all online. Just go to "make changes" in the menu. Even for a savings account, I'm pretty sure it's a "soft" pull. I had to unfreeze my credit to get a savings account last week as a conduit. But then, with the credit re-frozen, I was able ...
by arsenal_fan
Sat Dec 16, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 604
Views: 154889

Re: My New Car Buying Tips

I just completed the purchase of a hot new car for my mother using many of the strategies in this thread. I created a new email address specifically for this transaction because I didn't want spam, or to be searched. After doing my research, I composed a succinct email and sent it to 18 dealers in ...
by arsenal_fan
Sun Dec 03, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Adjusting ROTH IRA contribution because of severance
Replies: 8
Views: 1248

Re: Adjusting ROTH IRA contribution because of severance

Thanks for the quick replies, people. I will look at both these options and bump this thread when I have more questions.

P.S. One question I already have is by when do I have to make these adjustments? I am assuming April 15 or the tax filing deadline, right?
by arsenal_fan
Sun Dec 03, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Adjusting ROTH IRA contribution because of severance
Replies: 8
Views: 1248

Adjusting ROTH IRA contribution because of severance

Hello, I used to make ~$110K when working at Employer A. I am single, and contributed $5500 to my ROth IRA account at the start of the year since I didn't expect my annual income to exceed $118K. However, because of an unexpected layoff, the total income for the year is closer to $140K because of se...
by arsenal_fan
Thu Nov 09, 2017 8:19 pm
Forum: Personal Investments
Topic: Where to allocate a $20,000 emergency fund
Replies: 17
Views: 3777

Re: Where to allocate a $20,000 emergency fund

Sorry to hijack this thread, but I too have some cash sitting around in a Wells Fargo account, close to $30000. Is an Ally savings account trustworthy enough to transfer all that money into?
by arsenal_fan
Thu Dec 15, 2016 7:54 pm
Forum: Personal Investments
Topic: Bond Investments in Fidelity 401K
Replies: 3
Views: 573

Re: Bond Investments in Fidelity 401K

Guys, I'll be rebalancing my portfolio sometime next month and the asset allocation I settled on last year was: 1) U.S. total stock market index fund - 46% 2) International total stock market index fund - 24% 3) U.S. total bond market index fund - 30% Profile Link: https://www.bogleheads.org/forum/...
by arsenal_fan
Thu Dec 15, 2016 7:05 pm
Forum: Personal Investments
Topic: Bond Investments in Fidelity 401K
Replies: 3
Views: 573

Bond Investments in Fidelity 401K

Guys, I'll be rebalancing my portfolio sometime next month and the asset allocation I settled on last year was: 1) U.S. total stock market index fund - 46% 2) International total stock market index fund - 24% 3) U.S. total bond market index fund - 30% Profile Link: https://www.bogleheads.org/forum/v...
by arsenal_fan
Wed Oct 19, 2016 11:13 pm
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 22842

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

How do people typically work with I-Bonds? Do you monitor the composite rate every 6 months and if a year has gone by, then decide whether to redeem/hold/(redeem and re-buy later) depending on how good the composite rate is OR kinda like fire and forget, where you just buy the I-Bonds and then hold ...
by arsenal_fan
Mon Aug 29, 2016 9:11 pm
Forum: Personal Investments
Topic: Portfolio review and suggestions please
Replies: 15
Views: 1444

Re: Portfolio review and suggestions please

retiredjg wrote:Not a "sir", but happy to help. :D
:D. Ma'am, perhaps? Doesn't matter. You're awesome!
by arsenal_fan
Sun Aug 28, 2016 8:36 pm
Forum: Personal Investments
Topic: Portfolio review and suggestions please
Replies: 15
Views: 1444

Re: Portfolio review and suggestions please

Not quite. We can contribute $5500 to Roth IRA and that doesn't come out of my paycheck. So, can't I just buy $5500 in international next year? I have already maxed out my Roth IRA for this year. Sure, if you have a lump sum of cash, no reason not to. I assumed you were putting in some money each m...
by arsenal_fan
Sun Aug 28, 2016 6:05 pm
Forum: Personal Investments
Topic: Portfolio review and suggestions please
Replies: 15
Views: 1444

Re: Portfolio review and suggestions please

Ignore my numbers. I wasn't sure how you arrived at the numbers for next year's contribution and was overthinking it, but you answered it beautifully saying the annual contributions ought to match my asset allocation. Guess I should have been clearer the first time. :wink: If you check my numbers, ...
by arsenal_fan
Sun Aug 28, 2016 5:02 pm
Forum: Personal Investments
Topic: Portfolio review and suggestions please
Replies: 15
Views: 1444

Re: Portfolio review and suggestions please

After next year's contribution, total portfolio = $71690 + $30,050 = $101740 It will not be that number. It might be near that number. It might be a lot more if the market gets robust. It might be a lot less if the market crashes. So, with the overall asset allocation in mind after next year's cont...
by arsenal_fan
Sun Aug 28, 2016 4:28 pm
Forum: Personal Investments
Topic: Portfolio review and suggestions please
Replies: 15
Views: 1444

Re: Portfolio review and suggestions please

Here is an idea that is 1) U.S. total stock market index fund - 46% 2) International total stock market index fund - 24% 3) U.S. total bond market index fund - 30% You would exchange what you currently have into what is below. Then maintain it with contributions. Taxable: 8% Total Stock 24% Vanguar...
by arsenal_fan
Sun Aug 28, 2016 1:20 pm
Forum: Personal Investments
Topic: Portfolio review and suggestions please
Replies: 15
Views: 1444

Re: Portfolio review and suggestions please

2. I will be setting aside $10k in emergency funds in I-Bonds. Do they count towards the bonds portion of asset allocation? If they do, I'll need to adjust the asset allocation and that may allow me to contribute to international stocks a little more. While your portfolio is smaller, I would keep t...
by arsenal_fan
Sun Aug 28, 2016 11:29 am
Forum: Personal Investments
Topic: Portfolio review and suggestions please
Replies: 15
Views: 1444

Re: Portfolio review and suggestions please

Tax Filing Status: Single Tax Rate: 28% Federal, 0% State (Confused about how to calculate marginal tax rate, any pointers?) Income: $105k Compare line 43 of your tax return with this table: http://taxfoundation.org/article/2016-tax-brackets taxable income = gross income - deductions - exemptions -...
by arsenal_fan
Sat Aug 27, 2016 10:21 pm
Forum: Personal Investments
Topic: Portfolio review and suggestions please
Replies: 15
Views: 1444

Portfolio review and suggestions please

Hey Guys, I posted sometime last year for advice on my portfolio when I joined the site. Took some advice, ignored some others, out of laziness and also because I was still not sure how to calculate the whole asset allocation. I have finally decided on my asset allocation (70% stocks and 30% bonds) ...
by arsenal_fan
Mon Aug 15, 2016 7:59 pm
Forum: Personal Investments
Topic: Putting Your Emergency Fund In I Bonds?
Replies: 28
Views: 8462

Re: Putting Your Emergency Fund In I Bonds?

Fixed rate is 0.1% now with a variable portion currently st 0.16% totaling 0.26%. I bought $5k worth in April and got 1.64% combined rate. If the CPI is rising, then inflation is on the rise, correct? Is it reasonable to believe that the November rate will likely be higher? I would not count on a r...