Search found 37 matches

by CDub
Mon Oct 08, 2018 6:50 am
Forum: Investing - Theory, News & General
Topic: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs
Replies: 23
Views: 2058

Re: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs

If it helps, I posted on this a couple months back and there was a good discussion: viewtopic.php?f=2&t=255718
by CDub
Sat Sep 08, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 51
Views: 7255

Re: Fidelity Rewards Visa Card

How are any of the 2% cards betwee than the c ard I linked which is 3% the first year and 2.5% for each subsequent year, with no foreign fees.... The Alliant card you linked to has an annual fee, and is " Exclusively designed for those spending $50,000+ a year on their card ". That rules me out. Th...
by CDub
Fri Sep 07, 2018 6:42 am
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 85
Views: 11847

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

I don't see how your credit card would provide any insurance. Every terms & conditions for the credit card's collision damage waiver require you to pay for the entire vehicle rental. That is clearly not the case here. Thank you - that answers my question. The dealer told me that Ford was providing ...
by CDub
Thu Sep 06, 2018 6:55 am
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 85
Views: 11847

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

Does anyone know whether credit card insurance coverage would kick in on this if I had an accident in the ford-paid rental? I ask because enterprise did ask for my card - and I used the chase sapphire reserve which has primary rental car coverage. I don't carry collision on my fusion under my normal...
by CDub
Thu Sep 06, 2018 6:52 am
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 85
Views: 11847

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

I have been driving the enterprise provided rental for about a month now. Has anyone actually had their airbag repaired yet? Wondering how long it is taking on average. I'm assuming the dealers don't have an incentive to reduce their costs for the rentals - otherwise I would try to negotiate just ge...
by CDub
Fri Aug 24, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 64
Views: 7479

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

Schwab also does this - a margin feature that covers checking drafts by adding negative cash balance to your brokerage. The interest rate is 8% or something high, but does not much matter because (1) the amount is always small and (2) the time period of the loan is short, usually whatever it takes ...
by CDub
Thu Aug 23, 2018 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 64
Views: 7479

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

Is that really a catch? Don’t you have to sign up for margin? I don’t think it’s turned on by default. I can’t seem to tell from looking at my account. I know this is an old thread, but I looked into whether I had margin turned on in our brokerage account. It is straightforward to find. Go to the a...
by CDub
Sun Aug 05, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 64
Views: 7479

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

Open a second brokerage account. I have 2, one for stocks, one holding my cash supply in money markets. The second is linked to cma for overdrafts. The CMA IS a brokerage account. You can hold the MM fund directly in it. No need for a second Brokerage account. I just found that out recently from an...
by CDub
Sun Aug 05, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 64
Views: 7479

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

[quote=CDub post_id=4053451 time=<a href="tel:1533476509">1533476509</a> user_id=129605] It’s listed in their FAQ’s, they will not sell stock or bond. https://www.fidelity.com/cash-management/faqs-cash-management-account If I drop below my minimum target balance or use Cash Manager overdraft protec...
by CDub
Sun Aug 05, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 64
Views: 7479

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

You can get a little bit more yield using SPRXX instead of SPAXX (1.85% vs. 1.57%). Or even using FZDXX 1.97% ($100k to start, $10k to maintain). All of these options require you to manually purchase the fund in the CMA (but will be automatically liquidated as necessary to meet debits). Yep, good p...
by CDub
Sun Aug 05, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 64
Views: 7479

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

I have a Vanguard Advantage Account (a cash management account) which for some reason they not only don't advertise but it is hard to find information about it. Originally, I was going to use that as my primary checking account but when money market rates went almost to zero I kept the account but ...
by CDub
Sun Aug 05, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 64
Views: 7479

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

I see. So cash manager will stop taking money from the brokerage account if only stock and bond are available. That's good to know. I opened a separate Fidelity cash management account recently because I do not want to use the cash management feature of the brokerage account directly. I was wonderi...
by CDub
Sun Aug 05, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 64
Views: 7479

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

[quote="Spirit Rider" post_id=4053400 time=<a href="tel:1533474410">1533474410</a> user_id=717] You don't have to go to that much trouble. Just buy SPAXX in your Cash Management Account. When you have insufficient funds in your core position. Fidelity will sell enough of whatever money market funds ...
by CDub
Sun Aug 05, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 64
Views: 7479

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

I guess I don't even have a "Cash Management Account". SPAXX is my "core account" position at Fidelity. I have checks that Fidelity provides that draw directly from that account & fund. Plus Billpay debits, direct pulls, etc. Can you get a debit card on that account? I actually hadn’t even consider...
by CDub
Sun Aug 05, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 64
Views: 7479

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

You don't have to go to that much trouble. Just buy SPAXX in your Cash Management Account. When you have insufficient funds in your core position. Fidelity will sell enough of whatever money market funds you have in the CMA to cover the debit. This is a great point and a nice simplification. One dr...
by CDub
Sun Aug 05, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 64
Views: 7479

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

Good post. I am somewhat cautious with this type of setup. If there is fraud and the checking account get hit, I do not want it to automatically take money from my brokerage account. That’s a good point, however, the cash manager does not “sell” anything except money market and cash equivalents. Ie...
by CDub
Sun Aug 05, 2018 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 64
Views: 7479

Earn 1.5% on your checking account without the usual hoops (at Fidelity)

The Fidelity Cash Management account has served as my primary checking account for 5+ years. It's an excellent product with no fees, minimums, and free-ATM withdrawals. Combining this with the Fidelity 2% cashback visa has been a great option for me. I recently came across their "Cash Manager" https...
by CDub
Wed Aug 01, 2018 5:37 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for a intermediate savings goal.
Replies: 12
Views: 1078

Re: Asset Allocation for a intermediate savings goal.

If you want to see Vanguard's take on this, check out the different age-based options Vanguard has in it's 529 plans that follow a glide-path like what you're asking about. https://investor.vanguard.com/529-plan/age-based-options You could also review a "target-retirement" plan ending ~12 years from...
by CDub
Mon Jul 16, 2018 5:28 am
Forum: Investing - Help with Personal Investments
Topic: Should I simplify my portfolio and switch from 3 fund to 2 fund portfolio?
Replies: 45
Views: 2545

Re: Should I simplify my portfolio and switch from 3 fund to 2 fund portfolio?

Ok, you are right. But maybe it makes sense to simplify portfolio by combining VTI and VXUS together into VT instead? Expenses for VTI is 0.04%, expense for VXUS is 0.11%, so total expense for both is 0.15%. Expense for VT, however is 0.10%, so I would save 0.05% on management fees and simplify por...
by CDub
Thu Jul 12, 2018 7:32 pm
Forum: Investing - Theory, News & General
Topic: The value of international stocks, in pictures
Replies: 64
Views: 8965

Re: The value of international stocks, in pictures

Somebody asked me for a per-decade illustration of US (Total-Market, aka TSM) vs. the rest of the world (developed, aka EAFED). I added Emerging Markets (EM) for good measure. Data comes from a mix of Dimson and al. and what we have in the Simba backtesting spreadsheet . http://i.imgur.com/PAn9bsOl...
by CDub
Wed Jul 11, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: contributions not in line with target allocation intl vs domestic
Replies: 4
Views: 276

Re: contributions not in line with target allocation intl vs domestic

Your plan to split and adjust in your Rollover IRA is good. No tax consequences there. We continue to up our bond allocation (at re-balance time) in Rollover IRAs to keep Taxable and Roths 100% stocks (Total US + Total International). At some point, if you run out of space in the Rollover IRA, you ...
by CDub
Wed Jul 11, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: contributions not in line with target allocation intl vs domestic
Replies: 4
Views: 276

contributions not in line with target allocation intl vs domestic

I know this is a very simple question, just wanted to confirm. I would like to keep a roughly 70/30 split between domestic/international. However, I am not currently contributing to any international funds. The only low-fee index fund option in my 401k is an S&P500 Index fund. My HSA is invested in ...
by CDub
Sat Jul 07, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: M* article on Taylor Larimore
Replies: 6
Views: 1801

Re: M* article on Taylor Larimore

Which brings me to a suggestion. The three-fund portfolio, to be sure, is simple to implement. But it would be simpler yet if it were a one-fund portfolio. It strikes me that Vanguard might do its investors a favor by bundling Taylor's three funds into a single offering: Vanguard Total Index Fund. ...
by CDub
Sun Feb 11, 2018 6:56 am
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 80
Views: 16044

Re: I-Bonds?

Here you go. https://tipswatch.com/2018/01/09/i-bond-investors-heres-your-buying-guide-for-2018/ Just check back at the dates mentioned to see his recommendation. In that article he says, "Don’t bother buying I Bonds as a short-term investment. You can do better with one-year, best-in-nation bank C...
by CDub
Tue Feb 06, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 60
Views: 6435

Re: Cheap cell phone plans

I just signed up for Sprint's 1 year free promotion. It's actually a bit longer than a year, it says my plan will stay free until April 30, 2019.

https://www.sprint.com/en/shop/offers/f ... :1yearfree
by CDub
Tue Jan 30, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?
Replies: 52
Views: 7945

Re: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?

+1 for YNAB and Personal Capital

YNAB mainly bc it actually seems to encourage behavior change (unlike Mint), so easily pays for itself. Plus wife is willing to get on board with YNAB.
Personal capital for investments.
by CDub
Mon Jan 29, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: $100k+ Credit Card Spend Per Year: What card offers the best return?
Replies: 44
Views: 5546

Re: $100k+ Credit Card Spend Per Year: What card offers the best return?

I would look into what 5% point dividend means. $50,000 spend = 2500 points = $25? I would definitely hope not, but I'd investigate. (Or you get points that you can only spend on their portal, and have very limited options.) I can see a reason why it might be a legit $2500 value: they're trying to ...
by CDub
Mon Jan 29, 2018 8:36 am
Forum: Personal Finance (Not Investing)
Topic: $100k+ Credit Card Spend Per Year: What card offers the best return?
Replies: 44
Views: 5546

Re: $100k+ Credit Card Spend Per Year: What card offers the best return?

I wouldn't bet that the 5% is actually cash back. I notice they say the 1.5% on every purchase is cash back, the 3% on travel and restaurants is cash back, but the 5% on >$50K spending is a "point dividend". Points , not cash back. I couldn't tell how you earn points. And is a 5% "point dividend" s...
by CDub
Mon Jan 29, 2018 7:15 am
Forum: Personal Finance (Not Investing)
Topic: $100k+ Credit Card Spend Per Year: What card offers the best return?
Replies: 44
Views: 5546

Re: $100k+ Credit Card Spend Per Year: What card offers the best return?

That Commerce Bank card is really compelling. I would go for that if I could, unfortunately - it looks like you ahve to apply at a branch in Missouri, Kansas, Illinois, Oklahoma, or Colorado.
by CDub
Sun Jan 21, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Xfinity broadband: should I try to negotiate a better deal?
Replies: 31
Views: 2262

Re: Xfinity broadband: should I try to negotiate a better deal?

No matter what, it is worth calling. I would call and say the rates are too high and ask “is there anything else you can do for me?”. After that, if the rate is still high and they won’t budge - you can say you’re going to have to look at other options as that’s still too high, are you sure there is...
by CDub
Sun Jan 21, 2018 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 93
Views: 10847

Re: Where do you keep your emergency fund?

I've had a good experience so far with Goldman Sachs Bank (now called "Marcus"). They're at 1.5% now, recently bumped it up from 1.3%. They seem committed to offering a savings rate on the higher end. Also, just started getting into I-Bonds this month. Seems like a great option for an e-fund as it's...
by CDub
Sun Jan 21, 2018 6:35 am
Forum: Personal Consumer Issues
Topic: MiFi for International Travel
Replies: 13
Views: 1861

Re: MiFi for International Travel

I'm going to London later this year. I ordered a giffgaff SIM last week, shipped for free to my house here in the US, before I leave I'll purchase the plan I want,and once I land in London I'll finish any configuration necessary. Looking forward to trying it out. Will giffgaff work outside the UK? ...
by CDub
Sat Jan 20, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: $50K Whole Life Insurance Policy
Replies: 12
Views: 832

Re: $50K Whole Life Insurance Policy

I pay $400/yr for a 25yr $1Mil term policy. I’m 30. Signed up last year.

I’m generally confused why people would sign up for a whole life policy when rates for term are so much better.
by CDub
Sat Jan 20, 2018 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Alliant 3/2.5% card - any experience?
Replies: 44
Views: 6705

Re: Alliant 3/2.5% card - any experience?

Here's another perspective on why I decided against it (for now). Spending $48k per year would get you another 1% or $480 the first year over the fidelity 2%. Then future years would only be $240- $59 fee = $181 per year. Certainly not insignificant, but there are only so many cards one can get if ...
by CDub
Thu Jan 18, 2018 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 575560

Re: What's Your Credit Card Rewards Strategy?

Discover 5% is also possible by purchasing at Costco via Google Express. Google express also has a promotion for 20% off right now. -> so you can actually get 25% off. Not quite 25% off.... Let's say you start with $100 of purchases. First, the 20% off promotion from Google Express would drop that ...
by CDub
Thu Jan 18, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 575560

Re: What's Your Credit Card Rewards Strategy?

Discover 5% is also possible by purchasing at Costco via Google Express. Google express also has a promotion for 20% off right now. -> so you can actually get 25% off. It looked like Discover hadn't classified it as a 5% category, but I reached out to them via chat and they adjusted it to reflect it...
by CDub
Thu Jan 18, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 575560

Re: What's Your Credit Card Rewards Strategy?

I have been debating pursuing a simple strategy (Alliant Visa 3%/2.5% Cash Back + Amazon 5%) -> or going full bore after the sign up bonuses/churning. Have you had a good experience with Alliant? I have the fidelity visa 2%. Considering making the switch for primary spend. I may do a blend of the tw...