Search found 1223 matches

by MikeG62
Tue Dec 18, 2018 7:59 am
Forum: Investing - Theory, News & General
Topic: "Warren Buffett suggests you read this 19th century poem when the market is tanking"
Replies: 28
Views: 3605

Re: "Warren Buffett suggests you read this 19th century poem when the market is tanking"

One of my personal favorites was this quote from his shareholder letter issued in 2017: “Every decade or so, dark clouds will fill the economic skies, and they will briefly rain gold. When downpours of that sort occur, it's imperative that we rush outdoors carrying washtubs, not teaspoons. And that ...
by MikeG62
Mon Dec 17, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Weighing FDIC insurance versus VG consolidation
Replies: 3
Views: 366

Re: Weighing FDIC insurance versus VG consolidation

Most of our retirement assets are at Vanguard and mine are in excess of the SIPC coverage. Other threads indicate that SIPC coverage as well as Vanguard excess coverage are not as good as FDIC coverage. I know that many on this forum have large VG or other brokerage accounts. My second largest reti...
by MikeG62
Sun Dec 16, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 47
Views: 3815

Re: Fidelity as a one stop shop

My experience with CMA is that the default sweep account is an FDIC-insured ultra-low-interest account, not SPRXX that hotpancakes uses or FCFXX that I use. The move from cash to higher interest MMF has to be manually initiated. Is there an automation mechanism that I missed? Nope, that's how they ...
by MikeG62
Sat Dec 15, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Received IRS notice CP 2000 asking more tax. Need help.
Replies: 28
Views: 3555

Re: Received IRS notice CP 2000 asking more tax. Need help.

Right there with you. I've started on 8/10/2018 , Responded 8/20 via fax, received same notice as Aug on 11/10, responded 11/15 via certified mail, received letter on 12/7 saying they'll review in 90 days. You are getting much quicker responses than I did. For both of my replies, the "we have recei...
by MikeG62
Fri Dec 14, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 716
Views: 50597

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

I'm interested to see what your update is tomorrow and if you have any activity. I too filled everything out online. I haven't liquidated any of my assets over on TDA, so will Fidelity default to pulling them over in kind? No change in status as of this morning. Still have full online access to my ...
by MikeG62
Tue Dec 11, 2018 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3113
Views: 605538

Re: What's Your Credit Card Rewards Strategy?

Just a heads-up on at least one card application from CApital One. I got a mailer for a Capital One Savor card. Spend $3000 over 3 months, get a $500 reward, with various cash back in several categories. Not really attractive except for the $500 teaser. Tried to activate online and was told it coul...
by MikeG62
Tue Dec 11, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Received IRS notice CP 2000 asking more tax. Need help.
Replies: 28
Views: 3555

Re: Received IRS notice CP 2000 asking more tax. Need help.

I am the OP. Received a letter from IRS stating "case closed". Amount owed 0.00 Thanks to everybody who responded. Good to hear ram. I am sure you are relieved to have this sorted. Our inquiry is still outstanding. After supplying the details proving that the amounts billed by the university were i...
by MikeG62
Fri Dec 07, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Buying house for cash, sellers requesting proof of assets
Replies: 23
Views: 4497

Re: Buying house for cash, sellers requesting proof of assets

Have Vanguard provide documentation that you have assets in excess of X dollars. No need to share your total assets. lafder ^This what I would do. I would ask Vanguard to state in the letter that you have liquid assets (cash and MM and other cash equivalents) which exceed the amount you are paying ...
by MikeG62
Thu Dec 06, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Moved on from a FA. Do I respond?
Replies: 17
Views: 1828

Re: Moved on from a FA. Do I respond?

White Coat Investor wrote:
Thu Dec 06, 2018 5:36 pm
Move on. Don't respond.
^This
by MikeG62
Wed Dec 05, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 716
Views: 50597

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

Mine not processing as quickly as this. I submitted the request (also entirely done online) on the 28th. Since then crickets. Just an account sitting at Fidelity with no funds and no indication of any activity pending. Transfer status screen only indicates transfer request was submitted. No box che...
by MikeG62
Tue Dec 04, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Proper way to retire
Replies: 57
Views: 6393

Re: Proper way to retire

I would not think it's proper to give a two-week notice then take off. You must not have a very good relationship with your supervisor to have considered doing this and if that's the case, I wouldn't be surprised if they asked for your resignation right away. TravelforFun My thoughts exactly! I wou...
by MikeG62
Tue Dec 04, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 127
Views: 11970

Re: Retirement itch- when did you get it?

Decided I did not want to work till traditional retirement age in my early 30’s. Had a big job with lots of stress. So knew I did not want to do that any longer than necessary. Plan was to save a significant amount and try and put myself in a position to retire in my mid to late 40’s. As luck would ...
by MikeG62
Tue Dec 04, 2018 8:30 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 716
Views: 50597

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

The assets for my transfer from TDA/Lively to Fidelity posted this morning. It took 3 days. Here's the timeline: ○ 11/27 Tue : Transfer request submitted online at Fidelity. Uploaded copy of TDA statement. Fidelity indicates a 12/4 completion date. ○ 11/28 Wed : TDA login access disabled. List of a...
by MikeG62
Mon Dec 03, 2018 8:41 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 716
Views: 50597

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

Did you liquidate your holdings on TDA or leave them invested there and think Fidelity will just transition them in kind? Left my investments as they were (i.e., initiated a transfer in-kind). Did not want to be out of the market for weeks potentially (as per the Fidelity rep's comment) and followi...
by MikeG62
Mon Dec 03, 2018 7:38 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 716
Views: 50597

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

- A brokerage-type custodian (e.g. Fidelity) might be less quick on the trigger for escheatment than a bank-type custodian. I really have no idea if the same state escheatment laws apply to HSA accounts held by a bank/credit-union and HSA accounts held by a brokerage. It seems another advantage to ...
by MikeG62
Mon Dec 03, 2018 7:03 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 716
Views: 50597

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

The assets for my transfer from TDA/Lively to Fidelity posted this morning. It took 3 days. Here's the timeline: ○ 11/27 Tue : Transfer request submitted online at Fidelity. Uploaded copy of TDA statement. Fidelity indicates a 12/4 completion date. ○ 11/28 Wed : TDA login access disabled. List of a...
by MikeG62
Sat Dec 01, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: "The Steak Dinner Annuity Pitch"
Replies: 68
Views: 7609

Re: "The Steak Dinner Annuity Pitch"

I throw that type of junk mail in the trash. No free dinner is worth wasting my time driving to and listening to a sales pitch that I have no interest in. Far better to enjoy an adult beverage, hit the BH site, and keep abreast on a variety of financial topics. RM ^This Before retirement... it woul...
by MikeG62
Sat Dec 01, 2018 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Is Wells Fargo doing a bait and switch with mortgage rate?
Replies: 24
Views: 2168

Re: Is Wells Fargo doing a bait and switch with mortgage rate?

Our last mortgage was with Wells Fargo (taken out in 2002 and paid off somewhere around 2013). They were easy to deal with and very competitive at the time. I even recall they allowed us to refinance (at zero cost) is 2003 - basically just sign a bunch of papers and dropped our rate to the then curr...
by MikeG62
Sat Dec 01, 2018 7:40 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 716
Views: 50597

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

The assets for my transfer from TDA/Lively to Fidelity posted this morning. It took 3 days. Here's the timeline: ○ 11/27 Tue : Transfer request submitted online at Fidelity. Uploaded copy of TDA statement. Fidelity indicates a 12/4 completion date. ○ 11/28 Wed : TDA login access disabled. List of a...
by MikeG62
Sat Dec 01, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Too Much Savings Regret
Replies: 112
Views: 16918

Re: Too Much Savings Regret

I personally try to take 3 vacations a year (not all of them expensive) even if for example, I contribute only 17% instead of 19% to my Thrift Savings, or not fully fund my Roth IRA or have only 8 months of EF instead of 10 months. I wonder if I'm in the majority or the minority here on Bogleheads?...
by MikeG62
Sat Dec 01, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Ally CC Offer
Replies: 35
Views: 3428

Re: Ally CC Offer

Spend $500 in 90 days and you get $100. 2% gas ans groceries, rest @ 1%. 10% bonus if rewards go to an Ally account.. I have had this card (got it for my daughter to use while she was in college). Cancelled it once she graduated. Never used it for any charges myself (we both had cards for the one a...
by MikeG62
Fri Nov 30, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Estimating amount for IRA conversion to Roth
Replies: 14
Views: 1229

Re: Estimating amount for IRA conversion to Roth

Note that if you have any international funds in your taxable account you will have to estimate the amount that has been deducted for foreign taxes during the year, as that is dividend income that didn't show up in your distributions. I use historical figures to try to estimate this. Good point/rem...
by MikeG62
Fri Nov 30, 2018 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Buying with no interest
Replies: 22
Views: 2023

Re: Buying with no interest

...What is the lost opportunity of the money that would pay for the mattress/TV? In my experience, I usually cannot find a financing deal and safe investment that is more attractive than 2% cashback (on a net basis). In fact, I would buy cars on my rewards card if I could, but understandbly most de...
by MikeG62
Thu Nov 29, 2018 5:25 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 120
Views: 7275

Re: What is your allocation to U.S. and International?

My target equity allocation is 80% US and 20% foreign.
by MikeG62
Thu Nov 29, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 716
Views: 50597

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

What I did was to move the remaining tiny bit of cash (resulting from interest as money sat temporarily with CF while my TDA account was being set up) to TDA a few days ago. Yesterday, I initiated the full in-kind transfer of assets from TDA to Fidelity (from the Fidelity side). I do not believe my...
by MikeG62
Thu Nov 29, 2018 8:28 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 716
Views: 50597

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

...Earlier, it was reported that Choice Financial (Lively's custodian) may charge a $50 closing fee if the account is closed within a year. At this point, it is not clear if this fee will be charged (no one has reported on this yet). You can call Lively and ask them if there is such a fee. If there...
by MikeG62
Wed Nov 28, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6595

Re: Restaurant Budget

DW and I (both early retired) have a monthly budget for restaurants at $500 per month. This does not include dining out while we travel, which is captured in our T&E budget. In fact, we travel frequently enough that when we are home we tend to mostly eat in. In addition, our monthly budget for groce...
by MikeG62
Wed Nov 28, 2018 8:24 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 716
Views: 50597

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

Yeah and I probably will, but at the same time the lack of any care that Fidelity showed today surprised me. Especially when I told them the amount of the HSA, which was over the 25k amount people have been saying gets the fee waived. I am not sure it’s the HSA balance that will get them to waive t...
by MikeG62
Wed Nov 28, 2018 5:01 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 716
Views: 50597

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

Fidelity definitely has some bugs to work out in their messaging and processes. Their ACATS process (all online) definitely works more smoothly than their non-ACATS process (on paper). I'm completely finished, I guess. My $50 fee reimbursement appeared, so I'm back to $0 cash. And for the moment, I...
by MikeG62
Tue Nov 27, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 109
Views: 14337

Re: Divorce [financial implications]

It depends on who you marry. DW and I have been happily married for 30 years now. Many on these boards married far longer than us. I would not throw in the towel on marriage based on one bad experience (or the experiences of some others you know). However, if burned once before, a pre-nup might not ...
by MikeG62
Tue Nov 27, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 716
Views: 50597

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

...Lively has no closing fees. They are quite explicit about it in their FAQ . Choice Financial has a $25 fee for direct accounts in their terms, but it doesn't apply to Lively accounts. Are there any Closing Fees? No. If you are unhappy with Lively for any reason and want to move your funds to ano...
by MikeG62
Tue Nov 27, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 716
Views: 50597

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

...Last Tuesday I played a game of telephone to figure out what I needed to do after getting an online notice to call Fidelity. After speaking to Fidelity and to Lively on the phone, I emailed Lively a copy of my Fidelity transfer form and asked Lively to send a Letter of Release to TD Ameritrade. ...
by MikeG62
Tue Nov 27, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 91
Views: 9453

Re: Prime MM vs 6-month Treasury in IRA

The spread typically is much larger for smaller quantities at Fidelity, and you can also pay significantly more when you buy smaller quantities on the secondary market at Fidelity. I understand why one would want to sell Treasuries in the secondary market. Are there situations where an ordinary inv...
by MikeG62
Tue Nov 27, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Best budget spreadsheet?
Replies: 17
Views: 1848

Re: Best budget spreadsheet?

It would take time, but building a spreadsheet would be the best. This is my opinion as well. You can customize it to your needs. Plenty of people here will tell you to use Mint or other similar programs/sites, but I am just not in favor of giving a third party all of my banking information. We tak...
by MikeG62
Mon Nov 26, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: LastPass Questions
Replies: 27
Views: 1743

Re: LastPass Questions

Hi all: After years of incredibly lax internet security, DW and I are determined to get more serious by freezing our credit and implementing a password manager. We are currently considering LastPass premium. Do we need to purchase LastPass Family? We have no problem giving access to all the sites w...
by MikeG62
Mon Nov 26, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Being a Good Son
Replies: 22
Views: 3328

Re: Being a Good Son

If you think I should approach them somehow, I would be very grateful to hear some recommended opening lines. If you think I should approach my siblings and try to work out a combined approach to my parents, please sell me on that idea, because that is even less attractive to me. stuper1, I wrote o...
by MikeG62
Sun Nov 25, 2018 8:37 pm
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 91
Views: 9453

Re: Prime MM vs 6-month Treasury in IRA

Auctions come available every Thursday (after 1pm EST I believe). As long as you place your order by the following Monday at 10am (or thereabouts) you are in (i.e., bidding ends on Monday). Auctions close on Thursday. The auction for the 6-month Tbill closes on Monday, and the results are announced...
by MikeG62
Sun Nov 25, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 91
Views: 9453

Re: Prime MM vs 6-month Treasury in IRA

wow I wish I heard of the ally deal. FWIW, what does this mean Where is the best and easiest place to buy? Also, can you buy treasury bills at Vanguard. This is where my money is at. I see Schwab charges 25 dollars. What does Fidelity charge? I like the idea of the Treasury ladder. Looks like this ...
by MikeG62
Sun Nov 25, 2018 9:23 am
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 91
Views: 9453

Re: Prime MM vs 6-month Treasury in IRA

To confirm, the 52 week treasury bill paid 2.53%. If I am reading it correctly. I believe the 52 week bill is once a month. Also, if this is correct yeild, is it worth it compared to the Vanguard PMM paying 2.28%. For someone with no state tax. Thank you I think you are referring to the most recent...
by MikeG62
Wed Nov 21, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 716
Views: 50597

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

I emailed BenefitWallet, and they wrote back that a Trustee-Trustee transfer will cost $25. I am not sure if this is accurate, but plan to transfer to Fidelity early next year. Please let us know how your transfer goes. Overall I am happy with BenefitWallet, and $2.90/month is not too terrible, but...
by MikeG62
Wed Nov 21, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Munis Increasingly Risky
Replies: 94
Views: 8985

Re: Larry Swedroe: Munis Increasingly Risky

This would be a curious and ahistorical thing to claim, though. Mississippi, Arkansas, Florida, Michigan, Alabama, Arkansas (again), Florida (again), Georgia, Louisiana, North Carolina, South Carolina and Tennessee have all defaulted in the past. 10 out of 50. 20% of all states have gone bankrupt i...
by MikeG62
Wed Nov 21, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: My Name is Paul, and I am a Larimore Boglehead
Replies: 19
Views: 4585

Re: My Name is Paul, and I am a Larimore Boglehead

I found Taylor and Mel on the old Morningstar Vanguard Diehards forum 20 years ago. 1999 was a tough year to start investing because we were one year from the tech wreck where the market lost 49%. Very hard for a newbie to hold, but with the constant and unwavering advice from Taylor and Mel to "st...
by MikeG62
Tue Nov 20, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Munis Increasingly Risky
Replies: 94
Views: 8985

Re: Larry Swedroe: Munis Increasingly Risky

Has been very low, you mean. The thing to argue over isn't the details of past default performance of muni's. It's the relevance to the future situation of heavier reliance of municipal issuers on stock performance than anything seen in the past, for investors counting on munis to be the safe backs...
by MikeG62
Tue Nov 20, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: The psychology of withdrawing from your portfolio
Replies: 58
Views: 5885

Re: The psychology of withdrawing from your portfolio

We spend years saving and investing. This is counter to the thought of withdrawing a % from your portfolio when one retires. For those that have been retired, was it difficult mentally to start withdrawing from your portfolio ? How did you overcome it ? I read extensively on retirement planning and...
by MikeG62
Tue Nov 20, 2018 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Ally No Penalty CD vs. Ally MM Savings?
Replies: 15
Views: 1635

Re: Ally No Penalty CD vs. Ally MM Savings?

wintermute wrote:
Tue Nov 20, 2018 1:49 am
1 year treasury is paying 2.66%. 3-month isn't far behind at 2.38%:
https://www.treasury.gov/resource-cente ... data=yield
And state income tax free too, making Treasuries even more compelling.
by MikeG62
Mon Nov 19, 2018 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Current Retirees: Do you touch your principal?
Replies: 79
Views: 8260

Re: Current Retirees: Do you touch your principal?

I really don’t know or care. I target spending 3% of my portfolio plus SS, pension and annuity income. I pay no attention to the amount of income generated by the portfolio. Gill Does that mean you reinvest all dividends, and sell off assets as needed? Or, do you allow dividends to accumulate in a ...
by MikeG62
Sun Nov 18, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 96
Views: 15045

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

"The price of a bill is determined at auction." https://treasurydirect.gov/indiv/research/indepth/tbills/res_tbill_rates.htm I did see this. Does this mean I have to wait until the day of the acution to see yield and then purchase? You won't know the yield until after the auction closes. However, a...
by MikeG62
Sun Nov 18, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 96
Views: 15045

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

I have gone to Tresury Direct. Looked up auctions. I see upcoming auctions 13 and 26 week. I did read Treasury Bill go up to 52 weeks and bid every 4 weeks. I don't see what the rate will be. I can only see past rates when I open. Where do I see the interest rates on upcoming auctions. "The price o...
by MikeG62
Sun Nov 18, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3113
Views: 605538

Re: What's Your Credit Card Rewards Strategy?

Capital One Venture Rewards Credit Card has a limited time 75k bonus up from the usual 50k bonus. Thoughts on this deal and this card? https://thepointsguy.com/news/capital-one-venture-current-offer/ Great deal now that it's a transferable to airlines. And for $1 spend, you can get 1.5 miles. Aerop...
by MikeG62
Sat Nov 17, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 493
Views: 49627

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Ally is my hub account. I will definitely continue to have deposits and withdrawals throughout the period (just not drop below Nov 5 balance). I'm sure there'll be no problem. I would be shocked if Ally penalized regular customer for using their accounts normally. You might want to reach out to the...