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CDub

For $500 bi-weekly you could set an auto-investment to buy SPRXX.

CDub

After a lot of clicking around, I found this page on how to mail in indirect rollover checks. See #5. https://www.fidelity.com/cash-management/contribute-hsa I also found this deposit slip pdf and plan to send in with the check. https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/cus...

CDub

I think Chase UR are incredibly overrated I'd like to hear the reasoning on this. I'm frequently making tough calls between charging things to my Chase or AmEx ecosystems so always open to arguments. Depends on your use of course but I tend to agree at least for my purposes UR is less valuable to m...

CDub

While it is very convenient to have this automatic overdraft ploy available, don't you worry that it makes it so much easier for someone to drain your account? Or is this a far-fetched scenario? I've been keeping checking at a separate institution (with no overdraft protection) for years and tellin...

CDub

It says "Robinhood Checking & Savings is fee-free, commitment-free, surprise-free, and pretty much every other kind of free, too."

Seems almost too good to be true.

CDub

If it helps, I posted on this a couple months back and there was a good discussion: viewtopic.php?f=2&t=255718

CDub

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...

CDub

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 ...

CDub

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...

CDub

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...

CDub

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 ...

CDub

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...

CDub

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...

CDub

[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...

CDub

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...

CDub

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 ...

CDub

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...

CDub

[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 ...

CDub

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...

CDub

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...

CDub

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...

CDub

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...

CDub

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...

CDub

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...

CDub

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...

CDub

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 ...

CDub

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 ...

CDub

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. ...

CDub

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...

CDub

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

CDub

+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.

CDub

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 ...

CDub

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...

CDub

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.

CDub

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...

CDub

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...

CDub

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? ...

CDub

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.

CDub

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 ...

CDub

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 ...

CDub

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...

CDub

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...

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