Search found 508 matches

by b0B
Thu Feb 28, 2019 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 753
Views: 80490

Re: Fidelity as a one stop shop

^ Closing the account is a better idea. If they can't answer written questions with written answers, then it's game over. b0B. This thread is 7 pages long, and so far you're the only one that is unable to transfer money into your account. People have offered advice and tried to help, but you haven'...
by b0B
Thu Feb 28, 2019 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 225
Views: 28441

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

For those of you who put gas in at Costco and are executive members you do not need an extra card for gas (for gas 5.25%). Buying gift cards in Costco fall under the 3.5% warehouse bonus, then you get the extra 2% that executive members get so that puts you at 5.5% back total and you can use the gi...
by b0B
Thu Feb 28, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 753
Views: 80490

Re: Fidelity as a one stop shop

^ Closing the account is a better idea. If they can't answer written questions with written answers, then it's game over.
by b0B
Thu Feb 28, 2019 1:10 am
Forum: Personal Investments
Topic: Auto-reinvesting dividends in VMMXX
Replies: 2
Views: 503

Re: Auto-reinvesting dividends in VMMXX

Just got my first daily dividend from a $5K (emergency fund, level 2) invested in VMMXX on Vanguard. What I want to clarify is whether VG reinvests the rolling (total, i.e. principal + dividends) balance of my brokerage account holding VMMXX shares automatically to realize the compounding effect or...
by b0B
Thu Feb 28, 2019 12:54 am
Forum: Personal Investments
Topic: Newby confused by Vanguard "sweep out" ...
Replies: 5
Views: 1053

Re: Newby confused by Vanguard "sweep out" ...

I opened a Vanguard Roth for my young adult child last year. I didn't do anything with the money and thought it was in a money market. I went in today to buy some funds, and I see that less than a dollar is in the money market, the rest was "swept out" shortly after I opened it. I started to read h...
by b0B
Wed Feb 27, 2019 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 753
Views: 80490

Re: Fidelity as a one stop shop

^ I see, I missed the "?" and thought it was a statement. Anyway, presumably they didn't know it, but aren't surprised by it, and it confirms their impressions.
by b0B
Wed Feb 27, 2019 3:05 pm
Forum: Personal Investments
Topic: Vanguard platform is a mess ... UX-wise [User eXperience]
Replies: 69
Views: 5767

Re: Vanguard platform is a mess ... UX-wise

Or possibly have the money in your account when you make a purchase. Good idea. I totally disagree. Vanguard let's you purchase now at today's price, and pull the funds from your linked bank account, and you don't even have to worry about transit times. It just works, and lots of people here do it....
by b0B
Wed Feb 27, 2019 2:42 pm
Forum: Personal Investments
Topic: Vanguard platform is a mess ... UX-wise [User eXperience]
Replies: 69
Views: 5767

Re: Vanguard platform is a mess ... UX-wise

Or possibly have the money in your account when you make a purchase. Good idea. I totally disagree. Vanguard let's you purchase now at today's price, and pull the funds from your linked bank account, and you don't even have to worry about transit times. It just works, and lots of people here do it.
by b0B
Wed Feb 27, 2019 2:37 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1037
Views: 90762

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Last week, after reading this topic, I decided to open an HSA with Fidelity. Based on earlier posts, I expected this to be quick. When I started the process online, it asked me if I had other accounts with Fidelity, and asked for the userid and password. I do not have any personal accounts, but my ...
by b0B
Wed Feb 27, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 753
Views: 80490

Re: Fidelity as a one stop shop

https://www.investmentnews.com/article/20190225/FREE/190229952/fidelity-sued-for-secret-payments-in-401-k-plans Why I'm not at fidelity You knew they were doing this and used that as a reason to not use Fidelity? For crying out loud, it's right in the headline. SECRET payments. :oops: Fidelity sued...
by b0B
Wed Feb 27, 2019 1:19 am
Forum: Investing - Theory, News & General
Topic: Could Vanguard be right about International Bonds?
Replies: 42
Views: 4789

Re: Could Vanguard be right about International Bonds?

I usually agree with Vanguard but on this issue I disagree and hold on US high quality bonds. Risk ratings are higher on TIBM than TBM and their average duration is longer, both of which increase risk (default plus duration risk) going forward. Needless to say TBM is denominated in US dollars which...
by b0B
Tue Feb 26, 2019 8:08 pm
Forum: Personal Investments
Topic: Vanguard platform is a mess ... UX-wise [User eXperience]
Replies: 69
Views: 5767

Re: Vanguard platform is a mess ... UX-wise [User eXperience]

This phenomenon, displaying varying information in various places, is almost universally true at all financial institutions. There is nothing here that is specific to Vanguard. In fact Vanguard is superior in letting you purchase directly from you bank to get same day transaction even though they d...
by b0B
Tue Feb 26, 2019 6:43 pm
Forum: Personal Investments
Topic: Vanguard platform is a mess ... UX-wise [User eXperience]
Replies: 69
Views: 5767

Re: Vanguard platform is a mess ... UX-wise [User eXperience]

This phenomenon, displaying varying information in various places, is almost universally true at all financial institutions. There is nothing here that is specific to Vanguard. In fact Vanguard is superior in letting you purchase directly from you bank to get same day transaction even though they do...
by b0B
Tue Feb 26, 2019 3:56 pm
Forum: Personal Investments
Topic: Vanguard, capital gains, and college financial aid
Replies: 14
Views: 762

Re: Vanguard, capital gains, and college financial aid

I started a thread on this topic "FAFSA Simplified Needs Test now that forms 1040A and 1040EZ are gone" https://www.bogleheads.org/forum/viewtopic.php?f=2&t=262442 and apparently it is not yet known what the rules will be until at least October 1, 2019 https://www.bogleheads.org/forum/viewtopic.php?...
by b0B
Mon Feb 25, 2019 5:10 pm
Forum: Personal Investments
Topic: VTSAX at Merrill Edge
Replies: 47
Views: 5261

Re: VTSAX at Merrill Edge

and now the few I checked just now have transaction fees :( . Includes VTSAX, it now has a fee . Here's a thread on "Admiral share availability in other brokerages". https://www.bogleheads.org/forum/viewtopic.php?f=10&t=264566 It seems that, for some unknown reason, Vanguard Admiral shares were No ...
by b0B
Sun Feb 24, 2019 11:55 pm
Forum: Personal Investments
Topic: VTSAX at Merrill Edge
Replies: 47
Views: 5261

Re: VTSAX at Merrill Edge

and now the few I checked just now have transaction fees :( . Includes VTSAX, it now has a fee . Here's a thread on "Admiral share availability in other brokerages". https://www.bogleheads.org/forum/viewtopic.php?f=10&t=264566 It seems that, for some unknown reason, Vanguard Admiral shares were No ...
by b0B
Sun Feb 24, 2019 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 753
Views: 80490

Re: Fidelity as a one stop shop

Does anyone know how you can see on the Fido website when your CMA money will be available for withdrawal? I see the pending transaction amount, but can't find a date that it will be available. Once the money posts to the account, its availability date is visible to me under "Manage Cash" for the a...
by b0B
Sun Feb 24, 2019 3:37 pm
Forum: Personal Investments
Topic: Playing it safe: How many years of living expenses near retirement?
Replies: 39
Views: 4982

Re: Playing it safe: How many years of living expenses near retirement?

For those approaching retirement or in retirement, how many years of living expenses do you recommend so that you don't have to touch investments in case of a prolonged downturn? Thanks in advance. 4-5 absolute minimum, 6-8 preferable, no need to go over 10. Outside that I'd be 100% stock. In other...
by b0B
Sun Feb 24, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: New Vanguard Account
Replies: 6
Views: 390

Re: New Vanguard Account

When opening a new Vanguard account , do you need to fund it immediately? I want to open one on-line but fund through sending in a check. I tried last week and the procedure wanted to know the source of funding. How does this really work? I am interested in VUSXX for cash holdings. Simply choose "f...
by b0B
Sat Feb 23, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3851
Views: 709023

Re: What's Your Credit Card Rewards Strategy?

The purchase APRs don't have a fee, but yes the balance transfers do. However, the balance transfers are still a good deal if you use the proceeds to invest in risk assets. So when it comes to do a balance transfer you pay 3% and its very common to get 18 months, but let's say you only do 17 months...
by b0B
Thu Feb 21, 2019 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 753
Views: 80490

Re: Fidelity as a one stop shop

Tempting to go all in on Fido... We have an Ally savings account for our emergency and house down payment fund. Ally savings is at 2.2% and no penalty CD at 2.3%. Ally's website is very good and allows for same day ACH in/out from USAA or a local credit union. Does Fido have something similar? In m...
by b0B
Thu Feb 21, 2019 10:54 pm
Forum: Investing - Theory, News & General
Topic: Whats up w/ Vanguards website?
Replies: 18
Views: 2825

Re: Whats up w/ Vanguards website?

I'm having no problems whatsoever with Vanguard's website. I am having problems with this website! I've had comments disappear from a couple of threads. Nevertheless, as I said above, I think what you see with items disappearing/reappearing on Vanguard's website is probably to do with resizing the w...
by b0B
Thu Feb 21, 2019 10:12 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1763
Views: 277940

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Okay, I'll try again. Etrade has a $75 full transfer fee. How is the fee charged? I'd be moving ETFs out of there, and there's only a few cents in the cash fund, which I assume would also have been moved. I left some small amounts at Etrade. It's still listed as having a $25 partial transfer fee. Th...
by b0B
Thu Feb 21, 2019 10:10 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1763
Views: 277940

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

What's going on? ANOTHER post of mine has disappeared.
by b0B
Thu Feb 21, 2019 10:07 pm
Forum: Investing - Theory, News & General
Topic: Whats up w/ Vanguards website?
Replies: 18
Views: 2825

Re: Whats up w/ Vanguards website?

Okay, I'll try again.
F150HD wrote:
Thu Feb 21, 2019 9:28 pm
Disappearing and shifting menus, no 'logoff' button (appears and disappears etc)

Am I the only one having this issue? Just logged in 10 mins ago.
Try resizing the window. (Generic website advice.)

Also, use the scrollbar.
by b0B
Thu Feb 21, 2019 9:58 pm
Forum: Investing - Theory, News & General
Topic: Whats up w/ Vanguards website?
Replies: 18
Views: 2825

Re: Whats up w/ Vanguards website?

Why did my post in this thread disappear?
by b0B
Mon Feb 18, 2019 2:48 pm
Forum: Investing - Theory, News & General
Topic: Today I learned the 4% rule has been around for hundreds of years.
Replies: 26
Views: 4326

Re: Today I learned the 4% rule has been around for hundreds of years.

I guess practicioners of the 4% rule from historical times would have to retire by age 15 because they were dead by what...age 45 (if they were lucky to make it that long)? Actually, the 4% rule doesn't consider longevity at all. It assumes a time interval of exactly 30 years, and does not need any...
by b0B
Sat Feb 16, 2019 5:20 pm
Forum: Investing - Theory, News & General
Topic: First Vanguard Tax Form Available (and a tip)
Replies: 15
Views: 1992

Re: First Vanguard Tax Form Available (and a tip)

Vanguard (brokerage only) accounts here, taxable and IRAs. I got all my Vanguard tax forms in January (1099-R on 2019-01-13 and Consolidated Form 1099 on 2019-01-27). Vanguard was the fastest, and Fidelity was the slowest. Finally got the Fidelity one today, which was the last tax form I was awaitin...
by b0B
Sat Feb 16, 2019 4:22 pm
Forum: Investing - Theory, News & General
Topic: Today I learned the 4% rule has been around for hundreds of years.
Replies: 26
Views: 4326

Re: Today I learned the 4% rule has been around for hundreds of years.

... "You possess, then, 900,000 francs of capital, which, according to the manner in which you have invested it, ought to bring in an income of about 40,000 livres?"... This is hugely ambiguous, and leaves many questions as to the type of investment, and what exactly the numbers represent. As it st...
by b0B
Sat Feb 16, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 225
Views: 28441

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

^ You didn't mention sales tax, discounts from coupons/sales, shipping costs etc.
by b0B
Sat Feb 16, 2019 12:04 am
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 225
Views: 28441

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

For those of you who put gas in at Costco and are executive members you do not need an extra card for gas (for gas 5.25%). Buying gift cards in Costco fall under the 3.5% warehouse bonus, then you get the extra 2% that executive members get so that puts you at 5.5% back total and you can use the gi...
by b0B
Fri Feb 15, 2019 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 225
Views: 28441

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

Right. As has been note earlier, you can get 5.25% buying gift cards online that can be used at brick and mortar stores for Costco, Sams Club, Walmart etc etc.
by b0B
Fri Feb 15, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 225
Views: 28441

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

BOA Cash Rewards Master Card is not accepted at Costco store although it may work at Costco.com (not sure) (1) MC is accepted on Costco.com (2) There are versions of the card (Komen, WWF, etc.) that issue as Visa and are therefore accepted in Costco stores. My regular B of A cash rewards card is a ...
by b0B
Fri Feb 15, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 225
Views: 28441

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

For those of you who put gas in at Costco and are executive members you do not need an extra card for gas (for gas 5.25%). Buying gift cards in Costco fall under the 3.5% warehouse bonus, then you get the extra 2% that executive members get so that puts you at 5.5% back total and you can use the gi...
by b0B
Mon Feb 11, 2019 7:49 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1763
Views: 277940

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

It was the only bonus in a year. They disqualified assets that they deemed had been in the account in the past. I believe this is what happens when you get "human eyes" on an account, and an individual has the discretion to modify the bonus at will. If it's not in the fine print of the bonus, file ...
by b0B
Mon Feb 11, 2019 7:45 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1763
Views: 277940

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

It was the only bonus in a year. They disqualified assets that they deemed had been in the account in the past. I believe this is what happens when you get "human eyes" on an account, and an individual has the discretion to modify the bonus at will. Thanks for the tip. I agree that getting human ey...
by b0B
Mon Feb 11, 2019 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 225
Views: 28441

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

Everything expected has qualified as "Online Shopping" (i.e. things that are literally Online Shopping).

But paying for school meals online did NOT qualify as "Online Shopping", but DID say "Online Transaction: Y", so "Online Transaction: Y" need not imply that it's "Online Shopping".
by b0B
Mon Feb 11, 2019 7:28 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1763
Views: 277940

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Merrill Edge is cracking down. They will deny a bonus for bringing in assets they determine have been previously held in Merrill Edge, even if those assets had not been used for a bonus before. You cannot find out what value they calculate for assets brought in. They won't tell you if you ask. You ...
by b0B
Sun Feb 10, 2019 12:19 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 753
Views: 80490

Re: Fidelity as a one stop shop

My experience with Fidelity bank was terrible. Many transactions from other banks failed to go through. The Fidelity reps are hopeless, as they cannot explain anything about what happened, and they claim they cannot even see the transactions, so they cannot address anything. It sounds like you trie...
by b0B
Sat Feb 09, 2019 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 753
Views: 80490

Re: Fidelity as a one stop shop

This was recent. Yes I know it is CMA, but people use it functionally as a bank. I think a few others have mentioned problems (e.g. failed mortgage payment, other failed transactions, communication problems). A big problem is that since they actually use a bunch of other banks, the Fidelity reps ar...
by b0B
Sat Feb 09, 2019 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 225
Views: 28441

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

I am fairly certain that the PR bonus won't apply to the $150 signup bonus given their revision to the way the bonus is applied (time of post instead of time of redemption). I hold their Premium Rewards card and the PR bonus was not applied to that card's signup bonus. What revision? I was told not...
by b0B
Sat Feb 09, 2019 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 225
Views: 28441

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

For a fourth 5.25 card, hopefully I can add the WWF card in a few months once I'm clear of the 2/3/4 hurdle. It will also be nice to get another $350 bonus. :moneybag If they give you a card, it'll be $150 bonus, not $350. In theory, $225 assuming they still apply the 75% PR multiplier to the sign-...
by b0B
Sat Feb 09, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 753
Views: 80490

Re: Fidelity as a one stop shop

This was recent. Yes I know it is CMA, but people use it functionally as a bank. I think a few others have mentioned problems (e.g. failed mortgage payment, other failed transactions, communication problems). A big problem is that since they actually use a bunch of other banks, the Fidelity reps are...
by b0B
Sat Feb 09, 2019 5:40 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1763
Views: 277940

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

It was the only bonus in a year. They disqualified assets that they deemed had been in the account in the past. I believe this is what happens when you get "human eyes" on an account, and an individual has the discretion to modify the bonus at will.
by b0B
Sat Feb 09, 2019 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA Simplified Needs Test now that forms 1040A and 1040EZ are gone
Replies: 19
Views: 2171

Re: FAFSA Simplified Needs Test now that forms 1040A and 1040EZ are gone

I am curious about this too. I did a search for the topic and found nothing. Does anyone have any idea what the new rules will be for SNT starting in 2020-2021 since there are no more 1040As and 1040EZs? Literally, this thread is the first thing to pop up on a Google Search of the topic. Everything...
by b0B
Sat Feb 09, 2019 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 753
Views: 80490

Re: Fidelity as a one stop shop

My experience with Fidelity bank was terrible. Many transactions from other banks failed to go through. The Fidelity reps are hopeless, as they cannot explain anything about what happened, and they claim they cannot even see the transactions, so they cannot address anything. It seems these Fidelity ...
by b0B
Sat Feb 09, 2019 5:08 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1037
Views: 90762

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Further HSA to Fidelity HSA (direct transfer) took almost two months. I'm about to try HealthEquity HSA to Fidelity HSA. Any thoughts whether to do direct transfer, or whether rollover is better? HealthEquity is my employer HSA that contributions must go to (I lump in once per year), so I'd be trans...
by b0B
Sat Feb 09, 2019 5:01 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1763
Views: 277940

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Merrill Edge is cracking down. They will deny a bonus for bringing in assets they determine have been previously held in Merrill Edge, even if those assets had not been used for a bonus before. You cannot find out what value they calculate for assets brought in. They won't tell you if you ask. You j...