Search found 179 matches

by Gadget
Sun Dec 09, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting, Fidelity round-trip violation
Replies: 7
Views: 653

Re: Tax loss harvesting, Fidelity round-trip violation

I did a round trip violation at fidelity without issue. It annoyed me because it was a 401k account and I was just rebalancing. But I also figured I wouldn't need to do it more than 4 times a year so I'd be fine.
by Gadget
Tue Dec 04, 2018 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Vs Fidelity Vs Vanguard
Replies: 88
Views: 19297

Re: Schwab Vs Fidelity Vs Vanguard

It is my understanding that Vanguard, and perhaps Fidelity as well, have sweep accts w/ decent interest rates. I don't know about Vanguard, but the sweep accounts on my Fidelity Cash Management account are only paying around 0.3%. This is not quite true if you set it up correctly. I keep no balance...
by Gadget
Tue Dec 04, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Pixel 3 early adopters: any feedback?
Replies: 42
Views: 3288

Re: Pixel 3 early adopters: any feedback?

I have the 3 XL and DW has the 3. We both love them. Awesome cameras. I think the December update either fixed or greatly improved the ram management issue. I have not had time to test the video audio recording issue to see if it was improved with the new update. Someone on reddit said it was impro...
by Gadget
Tue Dec 04, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best online banking accounts?
Replies: 35
Views: 3482

Re: Best online banking accounts?

In my opinion, the best option is a Fidelity CMA account, though it's not a bona fide checking account, rather a brokerage account with checking features. Here's why I think it's the best: 1) 100% free. No fees. No minimums. 2) You can purchase Fidelity Money Market funds, which Fidelity considers ...
by Gadget
Tue Dec 04, 2018 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Vs Fidelity Vs Vanguard
Replies: 88
Views: 19297

Re: Schwab Vs Fidelity Vs Vanguard

This is not quite true if you set it up correctly. I keep no balance in the cma account at fidelity. It draws from the overdraft Brokerage account that I named checking. In it, I have core options of SPAXX or FZFXX. FZFXX is a treasury fund yielding 1.87 today, plus no state taxes. Be careful about...
by Gadget
Tue Dec 04, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Pixel 3 early adopters: any feedback?
Replies: 42
Views: 3288

Re: Pixel 3 early adopters: any feedback?

I have the 3 XL and DW has the 3. We both love them. Awesome cameras. I think the December update either fixed or greatly improved the ram management issue. I have not had time to test the video audio recording issue to see if it was improved with the new update. Someone on reddit said it was improv...
by Gadget
Tue Dec 04, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Vs Fidelity Vs Vanguard
Replies: 88
Views: 19297

Re: Schwab Vs Fidelity Vs Vanguard

It is my understanding that Vanguard, and perhaps Fidelity as well, have sweep accts w/ decent interest rates. I don't know about Vanguard, but the sweep accounts on my Fidelity Cash Management account are only paying around 0.3%. This is not quite true if you set it up correctly. I keep no balance...
by Gadget
Mon Dec 03, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 4794

Re: Robot Vacuum Cleaner?

I have the roomba 980, which supplements regular vacuuming every 2 weeks. 2 small kids and 1 big arctic dog. While it is exhausting to keep the house picked up every day before we go to work so the robot can vacuum, after 2 or 3 months of full bins in minutes it has finally made a difference. Feels ...
by Gadget
Mon Dec 03, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase Price vs. Gross Income
Replies: 59
Views: 4290

Re: Home Purchase Price vs. Gross Income

We bought our first and current home ten years ago at 2.4x of gross. Assuming the same home value from then even though it's probably slightly higher, we are now at. . 65x of gross.
by Gadget
Fri Nov 30, 2018 9:44 am
Forum: Investing - Help with Personal Investments
Topic: How Important is FDIC Insurance
Replies: 20
Views: 1711

Re: How Important is FDIC Insurance

I didn't pay much attention because it didn't apply to me, but a Fidelity CMA account has up to 1.25 million fdic insurance because it funnels seamlessly through multiple banks. At least that is my recollection. And from this account, fidelity has money market, cd, treasury, and other options becaus...
by Gadget
Thu Nov 29, 2018 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Money Market Funds for everyday expenses
Replies: 69
Views: 11523

Re: Fidelity Money Market Funds for everyday expenses

I tried keeping my CMA at $0 but my ATM withdrawal failed. I guess debit cards don't trigger overdrafts? In that case, wouldn't the overdraft protection be useless in practice? I can write checks, bill pay, and transfer from my brokerage directly. The CMA would only be useful for debit card use and...
by Gadget
Tue Nov 27, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: LastPass Questions
Replies: 27
Views: 1738

Re: LastPass Questions

The only downside to sharing a LastPass account is that you can only have 2 factor authentication on one phone. So if you have 2 factor on lastpass and your wife wants to login, she needs you to approve a request on your phone. Which is difficult if you are elsewhere or busy. The other downside is y...
by Gadget
Fri Nov 23, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: Prime MM vs 6-month Treasury in IRA
Replies: 91
Views: 9417

Re: Prime MM vs 6-month Treasury in IRA

2.25% is a nice yield. I can't find a money market fund at Fidelity close to 2.25%. Am I missing something? Nope, Fidelity MM funds are consistently lower-yielding than comparable Vanguard funds, due to higher expenses. Kevin FZDXX is at 2.11 but requires an initial 100k investment. Obviously not a...
by Gadget
Wed Nov 21, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 35
Views: 3095

Re: Fidelity CMA + MMF vs. online credit union

The core fund on the main CMA account has a terrible rate. But the core fund for the brokerage account is good. Here's what I do. 1. Setup a CMA account. Keep something small like $250 in it. Withdrawl all money from this since it will sweep from the brokerage account for each transaction. 2. Setup...
by Gadget
Wed Nov 21, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 35
Views: 3095

Re: Fidelity CMA + MMF vs. online credit union

The core fund on the main CMA account has a terrible rate. But the core fund for the brokerage account is good. Here's what I do. 1. Setup a CMA account. Keep something small like $250 in it. Withdrawl all money from this since it will sweep from the brokerage account for each transaction. 2. Setup ...
by Gadget
Wed Nov 21, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: LastPass vs BitWarden
Replies: 44
Views: 3807

Re: LastPass vs BitWarden

As a disclaimer, I use Lastpass. I've been happy with their service, and I like their independent audits and honesty about breaches. Any company that claims they haven't been breached is most likely just not being honest or worse, not looking. I do have some experience in the cybersecurity area of s...
by Gadget
Tue Nov 13, 2018 9:33 am
Forum: Investing - Theory, News & General
Topic: Best Fidelity Money Market Account to Hold Cash?
Replies: 21
Views: 3783

Re: Best Fidelity Money Market Account to Hold Cash?

I'm in the 35% tax bracket with a 5% state tax. How do I pick the highest yielding money market fund to use as a sweep account for my checking at FIdelity CMA? What's the purpose of the $30K? That is, how liquid do you need to keep it? You can effectively make your own money market fund using a Tre...
by Gadget
Mon Nov 12, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: Best Fidelity Money Market Account to Hold Cash?
Replies: 21
Views: 3783

Re: Best Fidelity Money Market Account to Hold Cash?

I recently setup a Fidelity CMA account to be used as my main checking account. I usually hold $30k in it or so. Above that gets invested in Vanguard. How do I determine the after tax yield of the Fidelity money market options? It looks like my options are: 1) SPRXX: Fidelity's Prime Money Market Fu...
by Gadget
Fri Nov 02, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Pet Insurance Recommendations?
Replies: 11
Views: 952

Re: Pet Insurance Recommendations?

Why are you getting pet insurance? Have you run the numbers? Are there good ones today? My previous dog, a Shih Tzu, lived to be 15 years old. He had Cushings Disease which required medication costing about $300/month. Also, he had an eye condition requiring constant eye drops to control. Along the...
by Gadget
Fri Nov 02, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Pet Insurance Recommendations?
Replies: 11
Views: 952

Re: Pet Insurance Recommendations?

Why are you getting pet insurance? Have you run the numbers? Are there good ones today? It's possible I just looked at bad options at pet insurance years ago. But I couldn't figure out how you would ever come out on top by buying pet insurance. You'd have to put your animal under chemo for cancer (w...
by Gadget
Mon Oct 22, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 493
Views: 49555

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

Damn. I take a hiatis from Boggleheads for a few days and just miss out on this offer... That'll teach me.
by Gadget
Fri Oct 05, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 187
Views: 25457

Re: Vanguard - You'll need to sign up for security codes soon

Does anybody else use Mint, and if so, any recent reports of how well it's handling the Vanguard security code situation? When I tried activating Vanguard security codes last year, it seemed to work with Mint... in theory you only have to give Mint one of the security codes and then it should be go...
by Gadget
Thu Oct 04, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3110
Views: 603400

Re: What's Your Credit Card Rewards Strategy?

But to get the 2% cash back, you need to redeem it on travel purchases. Meanwhile, the Citi Double Cash is a no fee 2% cash back card. If you travel a lot, it would seem there are much better cards out there than the Venture. Fair point, the Citi Double Cash sounds like a good deal. I'm honestly to...
by Gadget
Mon Oct 01, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: another chromebook or?
Replies: 13
Views: 1387

Re: another chromebook or?

I don't understand this known issue you're referring to. I've had a Google cloud print capable Brother printer for about a year or so now. It prints easily from all my chrome books or Android phones. From any location.
by Gadget
Thu Sep 27, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: What to consider when selling company RSUs
Replies: 18
Views: 1928

Re: What to consider when selling company RSUs

The Vanguard vs fidelity question is kind of like asking if you prefer apple or Android. I'll let someone else answer that. I want to make sure you understand that when an rsu vests, the cost basis starts that day. So if your company stock skyrockets during the year, but you sell the rsu the same da...
by Gadget
Tue Sep 25, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 5799

Re: Ripped off by a locksmith

If it makes you feel better, I got locked out of my house years ago because the power went out and I couldn't open my garage door. We took what we thought was a quick family walk. Called around to get the best locksmith price. Maybe power would come back on, but wife and baby wanted in the house so...
by Gadget
Tue Sep 25, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 5799

Re: Ripped off by a locksmith

If it makes you feel better, I got locked out of my house years ago because the power went out and I couldn't open my garage door. We took what we thought was a quick family walk. Called around to get the best locksmith price. Maybe power would come back on, but wife and baby wanted in the house soo...
by Gadget
Thu Aug 16, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Solutions for Printing from a Chromebook
Replies: 16
Views: 1412

Re: Solutions for Printing from a Chromebook

I'm confused. It sounds like you have a Brother Google ready cloud capable printer. That's what I have. I set it up with Google Cloud print and I can print from any chrome window or android phone. It's worked flawlessly for me. I'm on a Chromebook right now on a business trip yet I can still print t...
by Gadget
Sat Aug 11, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: Average Investor Return Chart
Replies: 10
Views: 1375

Re: Average Investor Return Chart

Isn't the average investor someone who lets a financial advisor control their assets? Maybe that's why the "average" investor's return is so poor. They're losing all their return to AUM fees.
by Gadget
Fri Jul 27, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Can a year-end true-up employer match exceed the 401(k) maximum contribution, in which case the employee would past[...]
Replies: 8
Views: 1053

Re: Can a year-end true-up employer match exceed the 401(k) maximum contribution, in which case the employee would past[

My company 401k will place excess true up contributions above the 401k limit of 55k in a non qualified account. They handle ensuring that it does not breach the limit. If that is what you're asking. I'm guessing they aren't required to place excess funds in a non qualified plan and it's just a great...
by Gadget
Fri Jul 27, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Sub-500 laptop *brand* suggestions
Replies: 19
Views: 2071

Re: Sub-500 laptop *brand* suggestions

Do you actually require software that runs on Windows? If the answer is yes then in this price range I would look around at a used computer resale shop near a college town if possible. You can find great deals there sometimes from gamers who are dumping a fast laptop for the latest gaming machines. ...
by Gadget
Sun Jul 22, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Online access: Two factor authentication
Replies: 9
Views: 802

Re: Online access: Two factor authentication

We use Lastpass families. I manage the main account. I put all common login accounts like amazon, credit card, etc. under a shared folder in Lastpass. Then I have my own individual folder for sites like bogleheads login. My wife has the same with her own Lastpass account (like her facebook and emai...
by Gadget
Sun Jul 22, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: Online access: Two factor authentication
Replies: 9
Views: 802

Re: Online access: Two factor authentication

We use Lastpass families. I manage the main account. I put all common login accounts like amazon, credit card, etc. under a shared folder in Lastpass. Then I have my own individual folder for sites like bogleheads login. My wife has the same with her own Lastpass account (like her facebook and email...
by Gadget
Mon Jul 16, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 4407

Re: All-In VTSAX

All these posts make me want to increase my international allocation to market weight instead of 30 percent. If everyone wants to market time in one direction based on recency bias, I figure the opposite is the way to go. Although I will likely just stay the course and it won't make much difference ...
by Gadget
Thu Jul 12, 2018 3:24 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 366
Views: 20086

Re: COMING SOON: BOGLEHEADS PODCASTS

Talking Bogleheads (+1) - Forget the needle, buy the haystack.
by Gadget
Wed Jul 11, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Printing photos from JPG files
Replies: 30
Views: 1373

Re: Printing photos from JPG files

This article is now something like 5 years old. But it compares many of the online photo labs in depth. https://improvephotography.com/7756/test-results-best-online-print-lab/ I've personally used Nations and have been very pleased. I found ProDPI too much of a hassle with their software. I have bee...
by Gadget
Sun Jul 01, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8698

Re: What % of your equity is int’l?

30% of equities.
by Gadget
Fri Jun 29, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Comp good idea?
Replies: 25
Views: 2727

Re: Deferred Comp good idea?

I have a similar option that I'm not participating in. I felt I was too far away from retirement and too much could change with my company by the time I retired or left the company. For my plan, it felt like if I was <5-10 years from retirement, deferred comp was a great option. For greater than tha...
by Gadget
Mon Jun 25, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: Still re-balance in TSP/401k if it is split between traditional and Roth?
Replies: 19
Views: 1201

Re: Still re-balance in TSP/401k if it is split between traditional and Roth?

We have a TSP and a 401k. I can't designate which funds are Roth and which funds are traditional in either account. That would be ideal, but I can't. So I just pretend it's all the same traditional for simplicity. That said, I only put Roth in each of those accounts before I found this board and rea...
by Gadget
Fri Jun 22, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 227
Views: 39667

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Mine is supposed to arrive on June 29. I have Amazon Prime.
by Gadget
Sun Jun 03, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: weighted blankets
Replies: 10
Views: 2201

Re: weighted blankets

I'm not sure how cool it is, but my wife swears by this brand. She has 3 each with different weights and sizes. Magic Weighted blanket. She tried one or two other brands and didn't like them as much and switched all to this brand. https://smile.amazon.com/gp/product/B06W54L2MG/ref=oh_aui_search_deta...
by Gadget
Sat Jun 02, 2018 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Any other pre-tax retirement account options?
Replies: 11
Views: 735

Re: Any other pre-tax retirement account options?

It takes minutes to do a backdoor roth IRA for my spouse and I each year... The only hoop is understanding it. And understanding how to report it on taxes. Those are both explained in the wiki. Now granted, if you have a significant tIRA balance it might not be worth it. If you have no tIRA balance,...
by Gadget
Fri Jun 01, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Two Articles On Reinsurance
Replies: 56
Views: 5420

Re: Larry Swedroe: Two Articles On Reinsurance

It appears that you can buy SRRIX STONE RIDGE REINSURANCE RISK PREMIUM INTERVAL FUND at Fidelity. I didn't hit buy, but it appears that it will let me. For my taxable brokerage at Fidelity, I only need $9,999,999.99 as a minimum purchase price. Thankfully, they only charge a 2.4% annual operating ex...
by Gadget
Fri Jun 01, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Any other pre-tax retirement account options?
Replies: 11
Views: 735

Re: Any other pre-tax retirement account options?

Someone mentioned backdoor roth IRA, but I'm not sure it was understood by the OP?

See https://www.bogleheads.org/wiki/Backdoor_Roth_IRA

The only caveot to a backdoor roth IRA is if you have a significant tIRA balance it might not make the backdoor roth worthwhile.
by Gadget
Wed May 30, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 5210

Re: My mind exploded

I used to get Jordan shoes because it was cool in middle and high school. Heck, if I saved the original ones I had and didn't wear them or give them away when I outgrew them I'd be talking about what great investments they were. But they were all probably way more expensive than $150 when adjusted f...
by Gadget
Wed May 30, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Home printer
Replies: 50
Views: 3765

Re: Home printer

I see lots of recommendations for brother laser printers. That's what I'd do if I only needed black and white. We wanted color though. I'm happy with the brother ink jet series printers that say inkvestment or something. They are high capacity ink cartridges designed to be cheap per page. Or you can...
by Gadget
Sat May 26, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: where did this Vanguard post go? And how to get it back?
Replies: 3
Views: 1040

Re: where did this Vanguard post go? And how to get it back?

I like this chart a lot as a tool to help explain fees to people:

viewtopic.php?t=217026
by Gadget
Sat May 26, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 92
Views: 17608

Re: Why Edward Jones?

I'm not sure on the why Edward Jones question. But I think this site explains the why not pretty well.

http://kronstantinople.blogspot.com/p/e ... -saga.html
by Gadget
Fri May 25, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Question
Replies: 5
Views: 612

Re: Backdoor Roth Question

I think you want to lump sum the entire amount to a money market in the tIRA. That way you have minimal gains and losses (pennies). Gains are taxed. Then as soon as possible, you convert the tIRA to a roth IRA.