Bogleheads.org

harmoniousmonk

bogleheads
the big picture--barry ritholtz

harmoniousmonk

Got email today that Marcus was dropping high yield savings interest rate to 2% from 2.15% starting today.

harmoniousmonk

I just got the email with a 0.00 balance

harmoniousmonk

49 yo radiologist here. The burnout is very real. Make sure you/he is a selfless person who doesn't mind putting others first and can deal with difficult people who might not be at their best when you come into contact with them. The pay can be very good but I have learned that money isn't everythin...

harmoniousmonk

Fwiw

My timeline as per the Marcus website is as follows:

July 19: offer enrolled
Aug 2: Deposit funds complete
Oct 31: Funds to maintain eligibility
Nov 14: Estimated date for bonus payment

harmoniousmonk

Roll into Fidelity and 100% FZROX

harmoniousmonk

Agreed on the fascinating thread.

I am in for much less than 1% but enjoy the volatility and checking how this is doing everyday. It satisfies my urge of my more boring 3 fund portfolio. For that I thank hedgefundie and all the other posters and when I come here i hope this thread has been bumped.

harmoniousmonk

Monday's S and P futures down 51 or 1.8%

harmoniousmonk

Vodka= midshelf Titos
Splurge on really good bourbon

harmoniousmonk

My Ally saving APR is still 2% and hasn't changed in probably 2 months

harmoniousmonk

More from Ritholtz https://www.bloomberg.com/opinion/articles/2019-01-17/jack-bogle-showed-enriching-lives-goes-beyond-riches But the most remarkable thing about Bogle is that he created billions — and perhaps trillions — of dollars in value for others and kept relatively little of it for himself. T...

harmoniousmonk

From Barry Ritholtz, with a quote from a boglehead

https://ritholtz.com/2019/01/rip-jack-bogle/

harmoniousmonk

Will your windfall be taxed at capital gains or ordinary income?

harmoniousmonk

100% Total US Stock Market

harmoniousmonk

I had a sallie mae MMA but recently closed it due mainly due to ACH transfer times. Pros: customer service, physical checkbook, slightly higher yield Cons: Only allows one linked account (I linked the account to several other accounts, but periodically the other ones but be cancelled), ACH transfer ...

harmoniousmonk

Had to call Fidelity about an issue. Been on hold to get a human to answer for 20 minutes and counting

harmoniousmonk

Has anyone been kicked out of Flagship or Flagship select yet?

harmoniousmonk

why would someone who stole your cc number have items shipped to your address? Seems odd I had this happen to me. The scammer created a fake ups account and tried to intercept the shipped package and reroute it to a different address, but I guess the package was so far in route, it was delivered to...

harmoniousmonk

Update as of this morning. Fidelity now shows it’s completed it’s review of my application and will now be reaching out to TDA to initiate the process of moving the assets. Projected completion date now extended to Dec 10. We’ll see... Good to know, keep us posted! [/quote] Got a call from Fidelity...

harmoniousmonk

S and P futures down 2.33%

harmoniousmonk

If I liquidate by selling Spider total stock market etf at TD Ameritrade and take a loss to transfer to Fidelity and buy Fidelity total stock market etf within 30 days is that a wash sale?

harmoniousmonk

S and P futures up near 2% for tomorrow.

harmoniousmonk

Just notice this small sentence under my account balance on the "balance and holdings" page. Anyone else?

Prices for some of your investments are unavailable at this time. Total assets doesn't include the value of those investments.

harmoniousmonk

After login, click which account you want, then find next statement date a few lines below account number and routing number for me in my savings account.

harmoniousmonk

Bulgogi Head wrote: ↑
Tue Nov 13, 2018 1:21 pm
Does anyone know when each month Ally credits interest?

For me it was the 10th

harmoniousmonk

Noob question.

All else being equal. If you are hoping to make money in an intermediate term bond fund, are you hoping for the price to go up or the yield to go up?

harmoniousmonk

Not up for me

harmoniousmonk

Might take some time to link the bank accounts but folks can still deposit money using the mobile app. Just write yourself a check from your funding account, take a picture of it and viola.

harmoniousmonk

Don't know about IRAs but the invested HSA at Lively does this.

harmoniousmonk

Get it all in. But wait for a few days for the dividends to get paid out.

harmoniousmonk

Pay out of pocket if you can.

Also, consider rolling the tIRA into your 401k. Most plans will let you. This would clear out space to open a tIRA for back door Roth IRA conversion without running into pro rata tax implications.

harmoniousmonk

That was the only international stock fund.

harmoniousmonk

As alluded to by Duckie, first thing to do is figure out how much to keep in an emergency fund. Most folks, depending on the stability of their job, save 6-12 months of expenses. Then put the rest to work for you.

harmoniousmonk

Others know more about this than me, but Vanguard owns a patent that allows only them to treat their mutual funds like etfs, so they don't kick off dividends and capital gains which are taxable to their owners. Thus all things else being equal, Vanguard mutual funds are more tax efficient than other...

harmoniousmonk

Never confuse genius for luck and a bull market.

harmoniousmonk

The market goes up 7 out of 10 days and over time.

So it does not average out.

harmoniousmonk

I looked at this with my small business plan just recently. For the end of the month paycheck it took about 9 total days to hit my account. In mid month, it was just over 3 total days. I was given "reconciliation" as the reason for this difference. Interestingly though, after I brought this up, the ...

harmoniousmonk

5 million for 373$ from Travelers

Single renter in SC

harmoniousmonk

What ever happened to EF Hutton? When EF Hutton talks, people listen.

harmoniousmonk

It's always worthwhile to read one of Larry's pieces. Some claim if most everyone goes passive, active will become more easy. I forget their rationale. It’s because active investors keep markets efficient. The more inefficiencies (I.e. stocks either over or under valued), the more opportunities for...

harmoniousmonk

Good podcast about avoiding investments that rely on predicting the future, because “The future is unknowable.” You’ll hear this a lot in the link below. It’s actually Todd Tresidder reading a chapter he wrote for the new Meb Faber anthology, and he reads it very very quickly. Somehow the speed of ...

harmoniousmonk

The updating now seems to be in real time now.

harmoniousmonk

Are there any estate lawyers here? A few years ago I placed my brokerage account in a revokable trust. Since then I have opened a tIRA and executed a back door Roth IRA conversion. Also, my 401k plan was changed and is not in a trust. Can/should I add the individual and retirement accounts to my tru...

harmoniousmonk

My "Account overview" page is now showing up to the minute values, whereas I used to have to go to "balances and holdings" page to get the most recent value.

harmoniousmonk

After reading this thread, I have an increased respect for folks with the special needs kids/adults. I mean this one has the advantage of a 4 million dollar head start but what about those that don't have that. Wow.

harmoniousmonk

Website down for me this morning with site maintenance underway.

harmoniousmonk

Thanks guys.

I would be interested in hearing about how the rollover goes.

I'm waiting for the 8 am PST open time to give them a call.

harmoniousmonk

Bump for the morning crew

harmoniousmonk

Check with your HR.

harmoniousmonk

For those that don't read the article it says Vanguard And Fido don't do this but Schwab does.

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