Search found 255 matches

by Gadget
Thu Oct 10, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: lastpass noob question
Replies: 40
Views: 2911

Re: lastpass noob question

2. If you mean writing passwords down at home, I think the risk is mitigated significantly. I do not think that most of us live in areas where we fear burgularization on a regular basis. I agree with you for the most part. But as someone with kids, burglers are probably not the highest risk to the ...
by Gadget
Thu Oct 10, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: lastpass noob question
Replies: 40
Views: 2911

Re: lastpass noob question

all they have to do is surf to whatever website, click log in, and lastpass will literally give them my login credentials. Still seems crazy to me. That this isn’t the default setting seems crazy to me. It should be. Most people either aren’t going to, or won’t know to, change this default setting....
by Gadget
Wed Oct 09, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1093
Views: 127990

Re: Fidelity as a one stop shop

I don't know if anyone else has noticed this. But recently I've seen Fidelity clear check deposits quickly. It use to take 4-5 business days for cash available for withdrawal. Now it seems to take 1-2 days. Very pleased to see that. Is your account new? The same thing happened to me when I first op...
by Gadget
Tue Oct 08, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital website?
Replies: 26
Views: 2213

Re: Personal Capital website?

I use PC and I like it. But I find Fidelity Portfolio Analysis is just as good, which I believe is free even for non-customers but one does have to register. Fidelity Portfolio Analysis only works if everything you have is at Fidelity. I setup Fidelity Full view with all my accounts thinking that I...
by Gadget
Thu Oct 03, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 7313

Re: First car for child

For what it's worth, I'm still driving a 20ish year old camry that my parents bought me for high school graduation. I hated it then (would have much preferred a small suv or sportier car), but was grateful for a car to take to college. Sure I can afford almost any car now. But damn this camry is rel...
by Gadget
Thu Oct 03, 2019 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: After temporarily unfreezing your credit report, how fast did you apply for a card......
Replies: 14
Views: 1452

Re: After temporarily unfreezing your credit report, how fast did you apply for a card......

I've done a new credit card, new Brokerage account, and new phone plan recently with frozen credit. I didn't wait at all after temporarily unfreezing my credit to apply and they all worked. Or maybe I waited 5 minutes to get buttons clicked. For the phone, I didn't know they pulled credit since I al...
by Gadget
Sat Sep 28, 2019 1:52 pm
Forum: Investing - Theory, News & General
Topic: "The Simple Magic of Investing in a Three-Fund Portfolio"
Replies: 22
Views: 3766

Re: "The Simple Magic of Investing in a Three-Fund Portfolio"

For those with taxable accounts, a 3 fund portrolio can be much more tax efficient than a single fund that includes bonds. You also have tax loss harvesting opportunities with a 3 fund portfolio. I think those are its main advantages over a target date fund. I'm perfectly happy to sacrafice some sim...
by Gadget
Sun Sep 22, 2019 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1093
Views: 127990

Re: Fidelity as a one stop shop

I’ve opened the accounts at Fidelity and am doing the 2 account set up where I am keeping $0 in CMA, and over-drafting from brokerage where cash is settled in SPAXX. I recently tried to Venmo someone $50, however the Venmo wouldn’t go through as my “checking acct (CMA)” was at $0 balance. Has anyon...
by Gadget
Sun Sep 22, 2019 10:51 am
Forum: Investing - Theory, News & General
Topic: Robinhood: 3 fund portfolio?
Replies: 42
Views: 3129

Re: Robinhood: 3 fund portfolio?

Robinhood is also known for having no price improvement and to get you such bad deals that you would have been better off paying a comission at another broker. Even reddit subgroups, which generally love ill advised trading of individual stocks, seems to have turned against Robbinhood. Stick with Fi...
by Gadget
Wed Aug 28, 2019 7:25 pm
Forum: Investing - Theory, News & General
Topic: FZDXX- 1.81%. Security? [Fidelity Treasury Money Market]
Replies: 19
Views: 8250

Re: FZDXX- 1.81%. Security? [Fidelity Treasury Money Market]

For what it's worth, I use FZDXX as my default fund for my checking account. Once I reached the initial investment of $100k, it's always been well below that. I know I've dropped it below $10k sometimes with no issues, but I also almost always have more than $10k so I'm not sure how much they enforc...
by Gadget
Mon Aug 26, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Mobile App
Replies: 6
Views: 670

Re: Fidelity Mobile App

This sounds vaguely familiar. I think it happened to me. It was either the Fidelity or Merrill app a while back. Try not selecting yes to the fingerprint access immediately if you are. I think I had to log on first with fingerprint enrollment disabled, then setup fingerpring access later. You can al...
by Gadget
Sun Aug 11, 2019 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab as a one stop shop
Replies: 62
Views: 6532

Re: Schwab as a one stop shop

Why not use Orion Federal Credit Union? You can get 4% on up to $30k and all you have to do is make 8 debit card purchases per month and $500 in incoming in electronic transfers... I used to do something similar with a local credit union. Then their rates became noncompetitive. Then I did the same ...
by Gadget
Sun Aug 11, 2019 3:49 pm
Forum: Personal Investments
Topic: Merrill Edge Feedback
Replies: 30
Views: 2827

Re: Merrill Edge Feedback

Has anyone else had trouble linking an external bank account for transfers? I've tried 2 and neither works. It just gives an error and says try again later. I've tried for 3-5 days.
by Gadget
Sun Aug 11, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Schwab as a one stop shop
Replies: 62
Views: 6532

Re: Schwab as a one stop shop

.... How much do you keep in FZDXX? ..... I'm not who you asked, but for me, a few months of expenses. Paycheck direct deposit comes in, I buy MMF. I queue up bills for the next month, which come out on their due date with the MMF being auto-liquidated. Repeat the next month. Basically 2-3 months o...
by Gadget
Sat Aug 10, 2019 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab as a one stop shop
Replies: 62
Views: 6532

Re: Schwab as a one stop shop

I have no bone to pick with Fidelity CMA though (or it’s customer service), just saying you can essentially achieve similar goal. The Schwab domestic/international ATM feature was what attracted me most rather the cash options. Fidelity CMA also has free ATM worldwide, so that benefit is a draw. I ...
by Gadget
Sat Aug 10, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1093
Views: 127990

Re: Fidelity as a one stop shop

addicoe wrote:
Sat Aug 10, 2019 4:18 pm
So I ran into a snag today (Saturday). .... Is that expected? That was one of the main reasons I was going to use Fidelity.
I can't answer why yours isn't working, but I do that all the time and it works as expected.
by Gadget
Fri Aug 09, 2019 8:09 am
Forum: Personal Investments
Topic: VTI vs. FSKAX for Taxable Account
Replies: 14
Views: 1604

Re: VTI vs. FSKAX for Taxable Account

You want ITOT at Fidelity in taxable. Not FSKAX.

Only Vanguard mutual funds can be held in taxable accounts with the tax efficiency of an ETF. I hold some FSKAX, but only in a 401k.
by Gadget
Tue Aug 06, 2019 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot login to TrueIntity (TransUnion's Credit Freeze) account. What now?
Replies: 7
Views: 679

Re: Cannot login to TrueIntity (TransUnion's Credit Freeze) account. What now?

It works for me on a different Chromebook. Same Chrome browser, just a different PC. Likely a cookie or something saved from the last time I unfroze my credit report at TransUnion. It just gives me such confidence in these companies...
by Gadget
Tue Aug 06, 2019 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot login to TrueIntity (TransUnion's Credit Freeze) account. What now?
Replies: 7
Views: 679

Re: Cannot login to TrueIntity (TransUnion's Credit Freeze) account. What now?

I get the same error and cannot unlock my transunion account online. The link to unfreeze at https://www.transunion.com/credit-freeze hasn't been working for a few days now for me.
by Gadget
Mon Aug 05, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Schwab as a one stop shop
Replies: 62
Views: 6532

Re: Schwab as a one stop shop

aednichols wrote:
Sun Aug 04, 2019 6:59 pm
Oh, and one oddly specific detail the matters little but impressed me nonetheless: direct deposits post to my Schwab Bank account the evening before payday, which I’ve never seen with previous banks.
Fidelity does this too.
by Gadget
Tue Jul 30, 2019 5:49 pm
Forum: Investing - Theory, News & General
Topic: Converting Mutual Fund into ETF at Vanguard
Replies: 11
Views: 1646

Re: Converting Mutual Fund into ETF at Vanguard

So if I leave dividend reinvesting off so I can tax loss harvest, and if I don't care about automatic investments, is there any other real downside to converting VTSAX and VTIAX to their ETF equivalent? I was thinking about converting them so I could transfer to Merril Edge and get the platinum hono...
by Gadget
Mon Jul 29, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: What is the official bogleheads home fire extinguisher?
Replies: 52
Views: 2560

Re: What is the official bogleheads home fire extinguisher?

Don't buy a cheap one. It should have all metal on it. My grill caught fire pretty badly. I tried using a fire extinguisher since it was near my patio. The plastic lever on the fire extinguisher I had broke off when I squeezed it. I had to turn it upside down and hit the nozzle on the cement and hol...
by Gadget
Tue Jul 09, 2019 4:50 pm
Forum: Personal Investments
Topic: Fidelity 401k now charging fees for brokerage link
Replies: 23
Views: 1465

Re: Fidelity 401k now charging fees for brokerage link

I use Brokeragelink... How easy was it to spot this fee? Did they email/warn you about it? Or did you have to search through online statements to notice it?
by Gadget
Sat Jul 06, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: Cloud storage: Best cross-platform, family-shareable service? Google Drive / One vs. Dropbox vs. who else?
Replies: 23
Views: 2104

Re: Cloud storage: Best cross-platform, family-shareable service? Google Drive / One vs. Dropbox vs. who else?

If you use/like/need MS Office, I think their Office 365 with OneDrive Storage is your best bet. Personally, I use Google Drive (2 TB plan). It offers great flexibility and works seamlessly with Google Photos, which is the main reason why my family even needs shared storage. For photo backup. It's h...
by Gadget
Sun Jun 09, 2019 12:01 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 21100

Re: VTSAX or VTWAX over the next 35 years?

I think the real problem with the 2 fund portfolio is branding. It just doesn't sound as cool as the 3 fund portfolio.

How about the Lunar Portfolio. Adding equities via VTWAX is waxing. Adding bonds is waning. Wax/wane the portfolio to your desired risk tolerance.
by Gadget
Sat Jun 08, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1093
Views: 127990

Re: Fidelity as a one stop shop

Since transitioning to using the ATM/debit card with my fidelity brokerage account, I've noticed that an ATM withdrawal doesn't post to the account for 2-3 business days. Years ago when I used the ATM card with the fidelity CMA account, I thought it posted same day. Curious if others have noticed t...
by Gadget
Tue May 28, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Determining how I rank relative to my Metro Area? (Net Worth, Income)
Replies: 8
Views: 1982

Re: Determining how I rank relative to my Metro Area? (Net Worth, Income)

In my metro area, I walk around telling everyone I see my net worth. If they give me an evil look, hit me, or steal my wallet I know I make more. If they laugh at me or look at me with pity, I know they make more. Foolproof ranking system.
by Gadget
Fri May 03, 2019 8:31 am
Forum: Investing - Theory, News & General
Topic: Share Buybacks — Savior of the U.S. Equity Market?
Replies: 58
Views: 4713

Re: Share Buybacks — Savior of the U.S. Equity Market?

For those with only tax advantaged accounts, I could see why buybacks are not well thought of compared to dividends received. For them, it feels like the rich company CEO benefits the most. For those of us with taxable accounts and index funds, don't we love buybacks? A dividend not received is a ta...
by Gadget
Mon Apr 29, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 196
Views: 22866

Re: Man’s life savings stolen from hijacked cellphone number

But even in the event that physical access was required (ie the attack was actually swapping the physical SIM into a different phone), how exactly would a password lock prevent them from sticking a paperclip into the little hole and taking your SIM card out? You can also PIN lock the physical SIM c...
by Gadget
Wed Apr 24, 2019 7:12 pm
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 16638

Re: Dump international?

The point of diversifying investments has never been to maximize returns. +1 Monster Energy DESTROYED Total US, and even obliterated Netflix, Amazon, Apple, etc this century. Doesn’t make that a prudent decision. I think you're on to something. Everyone should do the Monster portfolio. 100% MNST. F...
by Gadget
Wed Apr 24, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: Amazon Returns accepted at Kohl's Dept. Stores...
Replies: 26
Views: 2709

Re: Amazon Returns accepted at Kohl's Dept. Stores...

I think Amazon returns for items sold directly through Amazon are free. Are those of you being charged a return fee buying stuff from 3rd party sellers on Amazon? I think 3rd party sellers sometimes charge a return fee for the extra shipping cost.
by Gadget
Fri Apr 19, 2019 7:51 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 80
Views: 6889

Re: American Funds vs Vanguard

If someone pointed a gun to my head, I would give them all my money.

Between criminals and financial advisors using front end load funds, I guess it's the same principle. Just one is a real gun and one is metaphorical.
by Gadget
Mon Apr 15, 2019 3:16 pm
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 24608

Re: Crypto bulls are back. Are you getting in?

Let's fast forward 20 years. What will be more valuable. A beanie baby, a tulip, or a bitcoin? At least with a beanie baby, you can always find a 2 year old that will love it for a few days/weeks. My wife will likely still plant tulips in 20 years. I'm guessing that bitcoin will likely be worth less...
by Gadget
Sat Apr 13, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1093
Views: 127990

Re: Using Fidelity Cash Management as my only bank account

spammagnet wrote:
Fri Apr 12, 2019 2:28 pm
I'll test it by eliminating the minimum balance, let it drop to 0, then withdraw something from an ATM.
I've tested it many times in the past few months. It works. $0 balance in CMA, ATM Withdrawl, and it will pull money from overdraft brokerage account instantly.
by Gadget
Sat Apr 06, 2019 1:58 pm
Forum: Personal Investments
Topic: Fidelity Full View?
Replies: 47
Views: 4979

Re: Fidelity Full View?

dcabler wrote:
Tue Apr 02, 2019 3:58 pm

I use it for a quick check and because it uses the data for its retirement planner.
Where is the retirement planner in full view. I finally got it to link my accounts, but I don't see a retirement planner.
by Gadget
Wed Apr 03, 2019 12:52 pm
Forum: Personal Investments
Topic: Fidelity Full View?
Replies: 47
Views: 4979

Re: Fidelity Full View?

Is anyone else having issue getting their Vanguard brokerage accounts to show up in Full View? I can never get that to work, which makes Full View worthless to me.
by Gadget
Tue Apr 02, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 84
Views: 31748

Re: Review after one month with Fidelity Cash Management

From the other thread. These are the 3 main setups. SPAXX, SPRXX, and FZDXX are the main money market funds people should look at. Updated based on feedbacks: Option#1: Brokerage account only - ATM card but no free ATM fees. Exception: Private Client Group gets 0 fees - Sweep options: SPAXX or FZFXX...
by Gadget
Sat Mar 30, 2019 8:16 am
Forum: Personal Investments
Topic: What non-Vanguard funds to buy in Fidelity 401k BrokerageLink?
Replies: 12
Views: 716

Re: What non-Vanguard funds to buy in Fidelity 401k BrokerageLink?

FSKAX: Total US
FTIHX: Total Int
FXNAX: Total Bond

In our brokeragelink the new zero fee funds aren't available.
by Gadget
Fri Mar 29, 2019 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Is our household budget crazy?
Replies: 141
Views: 12809

Re: Is our household budget crazy?

It doesn't seem to me that you are spending too much for your income. I'm guessing both you and your husband work? I think some people judging your budget don't understand how much it can cost to get more time with your children. Usually dual working families feel guilty that they are neglecting the...
by Gadget
Wed Mar 27, 2019 7:09 pm
Forum: Personal Investments
Topic: How much should I pay for a financial advisor?
Replies: 27
Views: 1893

Re: How much should I pay for a financial advisor?

My financial advisor seems to disagree with themselves every once in a while over silly minutiae, but the fees and overall message are great. No one from bogleheads.org has charged me yet.
by Gadget
Sun Mar 24, 2019 4:08 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 284119

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

So I'm 80/20 stocks to bonds in my overall portfolio. Are most people doing this 100% stocks? Although I suppose if I count my mortgage as a negative bond, I might be close to 100% stocks. I'm tempted to do this with 2.5% of my portfolio since that's what is in my Roth IRA. Something with high risk ...
by Gadget
Sun Mar 24, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term care insurance
Replies: 45
Views: 2464

Re: Long-term care insurance

How old are you? If young, have you considered self insuring via HSA and earmarking the account for long term care insurance?
by Gadget
Tue Mar 12, 2019 12:50 pm
Forum: Investing - Theory, News & General
Topic: Sell RSUs when stock is significantly down?
Replies: 20
Views: 1401

Re: Sell RSUs when stock is significantly down?

It is reasonable to attempt to time the market when you have insider information. As you are currently an employee, if you feel the price will go up, then hold. Anyone in the company with actual insider information is usually on a blackout list. They can only sell during non blackout dates after an...
by Gadget
Sat Mar 02, 2019 5:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 61834

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts]

Can I deposit checks and ACH directly into the Fidelity MM fund too, or can I only direct deposit into it? So you essentially have two bank account numbers: the brokerage MM account which is a deposit-only account, and the CMA account that is a pay-out-only account (whose overdraft account is the b...
by Gadget
Sat Mar 02, 2019 11:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 61834

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

A Fidelity CMA is an ordinary brokerage account with an FDIC-insured core position and debit card refunds. That’s it. Fidelity will automatically sell money market positions within a brokerage account (any brokerage account) to satisfy purchases or withdrawals. This means that you can purchase a mo...
by Gadget
Sat Mar 02, 2019 8:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 61834

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts]

So it sounds like using a Fidelity brokerage account will accomplish everything that the Vanguard Advantage did. If you want an ATM card, then you can go with the Cash Management Account. Some people might like to have a checking account separate from an investment account so in theory, the CMA mig...
by Gadget
Fri Mar 01, 2019 4:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 61834

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts]

So it sounds like using a Fidelity brokerage account will accomplish everything that the Vanguard Advantage did. If you want an ATM card, then you can go with the Cash Management Account. Some people might like to have a checking account separate from an investment account so in theory, the CMA mig...
by Gadget
Fri Mar 01, 2019 3:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 61834

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts]

I see a lot of recommendations for Ally, but for someone who relied on Vanguard Advantage like it was a checking account, it seems to me like the only truly comparable service is Fidelity CMA. It doesn't have quite as good of money market rates as Vanguard, but it adds free ATM withdrawls everywhere...
by Gadget
Thu Feb 28, 2019 11:00 am
Forum: Personal Investments
Topic: Using VMFXX as student savings account
Replies: 1
Views: 275

Re: Using VMFXX as student savings account

Your plan will work. Vanguard's prime money market is the best money market rate. If you want to simplify things to a rate almost as good as Vanguard's, but a whole lot more convenient, take a look at Fidelity CMA in this thread: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=266538&p=4407712#...
by Gadget
Thu Feb 28, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1093
Views: 127990

Re: Fidelity as a one stop shop

How long before a direct deposit actually shows up? I moved a direct deposit (my military pension) from USAA to FIDO. I got an email this morning from FIDO telling me they received a direct deposit. But it isn't showing up in any accounts. With USAA, it was available @ 0600 the day of the DD. Is FI...