Search found 253 matches

by BroIceCream
Wed Sep 23, 2020 1:36 am
Forum: Investing - Theory, News & General
Topic: Fidelity lets clients now trade fractional shares of stocks and ETFs
Replies: 198
Views: 19627

Re: Fidelity lets clients now trade fractional shares of stocks and ETFs

I did a test drive of the fractional buying this morning and it's a pretty clunky process compared to mutual funds. The android app is pretty buggy - if you tap a blank area (outside of the input fields) it'll reset you to buying by number of shares and hide the dollar amount input. Then I did a li...
by BroIceCream
Mon Sep 21, 2020 10:45 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 532
Views: 72328

Re: Your USER NAME...what does it mean?

Name - a known nickname, and a reference for my icecream making grandparents.

My avatar photo is a different story -------->
I tilt my "haystack" portfolio across all factors, not the standard TSM-large-cap-growth-tilt.
by BroIceCream
Sat Sep 19, 2020 2:29 pm
Forum: Personal Investments
Topic: Fidelity Brokerage - Fund purchase from linked account?
Replies: 16
Views: 832

Re: Fidelity Brokerage - Fund purchase from linked account?

I don't think the single step automatic transfer is possible. You do immediately get cash available to trade by initiating a transfer first though. You don't have to wait for the cash transfer to settle. +1. This matches my experience. +1 My experience too. If initiated from Fidelity, it just needs...
by BroIceCream
Fri Sep 18, 2020 3:43 pm
Forum: Investing - Theory, News & General
Topic: So, you want to tilt to growth
Replies: 33
Views: 2466

Re: So, you want to tilt to growth

burritoLover wrote: Fri Sep 18, 2020 2:35 pm We need more investors to tilt to growth so the future crash will be epic.
:D wonderful. the top 1% that bail out social security and the crash will be the tilters :D
by BroIceCream
Fri Sep 18, 2020 2:20 pm
Forum: Investing - Theory, News & General
Topic: So, you want to tilt to growth
Replies: 33
Views: 2466

Re: So, you want to tilt to growth

Unfortunately, Paul, I think this thread will be the proverbial "shouting into the wind". I've done it myself but it just becomes a game of whack a mole most of the time, as there are too many threads. I'm always amazed at those that think they have a 'value tilt' just because they "buy the haystac...
by BroIceCream
Wed Sep 16, 2020 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Back Door Roth and Avoiding Excess Contributions
Replies: 23
Views: 1130

Re: Mega Back Door Roth and Avoiding Excess Contributions

My megacorp 401k prevents one from going over the $57k limit. My megacorp 401K also stops "my" contributions after the limit is reached, but keeps contributing their 401k-matching % and profit-sharing deposits through the end of the year. At the start of the next year, they will "refund" any excess...
by BroIceCream
Mon Sep 07, 2020 7:43 pm
Forum: Personal Investments
Topic: SCV or other value investors who tilt
Replies: 4
Views: 386

Re: SCV or other value investors who tilt

Hello, my name is Bro, and I tilt . I've just been rebalancing as normal whenever my rebalance 'bands' are hit. As expected, my bands were exceeded last March when my bond positioned spiked up, and equities wend down. I bought a little S&P500, and a lot of SCV at that time. From that market low, tha...
by BroIceCream
Mon Sep 07, 2020 7:19 pm
Forum: Personal Investments
Topic: Fido Brokerage CDs vs treasury bond funds in 401k
Replies: 2
Views: 234

Re: Fido Brokerage CDs vs treasury bond funds in 401k

One of the "benefits" I enjoy with a 401K is the autopilot mentality it gives me. I set up my payroll deductions...they automatically get sliced into different mutual funds each pay period, and I don't have to touch them (or look at them). Annually, I do some rebalancing if needed at that time. The ...
by BroIceCream
Sat Sep 05, 2020 10:01 am
Forum: Personal Investments
Topic: Zero funds not available at Fidelity solo 401k
Replies: 8
Views: 781

Re: Zero funds not available at Fidelity solo 401k

BrokerageLink is a great option if it is available via your employer's plan with Fidelity. I've even been able to purchase ETFs in our BL acct. It is a great option, but before using it, make sure there are no extra fees for BrokerageLink in your plan. Those fees might offset the advantage of being...
by BroIceCream
Sat Sep 05, 2020 12:52 am
Forum: Personal Investments
Topic: Zero funds not available at Fidelity solo 401k
Replies: 8
Views: 781

Re: Zero funds not available at Fidelity solo 401k

The zero funds are allowed for retail brokerage accounts only. No corporate, trust or 401k accounts. My Fidelity 401K has a BrokerageLink option which allows me to get almost any fund (I haven't found one I wanted which wasn't available). I currently have FZROX in my Fidelity 401K via brokerageLink...
by BroIceCream
Wed Sep 02, 2020 2:44 pm
Forum: Personal Investments
Topic: Any long-term issues with starting my teen out with Fidelity?
Replies: 31
Views: 1207

Re: Any long-term issues with starting my teen out with Fidelity?

All good recommendations so far... adding my slightly different promotion for Fidelity. My kids had a local bank account for their teen jobs (Bank of America). That bank did not exist at their out-of-state university - so they needed an alternative bank. We opened a Fidelity Cash Management account....
by BroIceCream
Mon Aug 31, 2020 11:42 am
Forum: Personal Investments
Topic: FSKAX vs VTI
Replies: 15
Views: 1225

Re: FSKAX vs VTI

I use both, but for different reasons. FSKAX in 401K, as I have weekly payroll contributions. Don't need to be worried about fractional share purchases. All automated. I just forget about it. VTI in my taxable account. This account is mostly buy and hold, but if I do any TLH on VTI, I am not concern...
by BroIceCream
Mon Aug 24, 2020 1:19 pm
Forum: Investing - Theory, News & General
Topic: Actively managing the contents of a passive index fund
Replies: 0
Views: 198

Actively managing the contents of a passive index fund

In a podcast today, I discovered how index funds (like VTI) are actively managed. This podcast interview with the Vanguard VTI fund owner was very informative on the amount of work, staff, and behind-the-scenes tasks are required to make an ETF/MF track an index . It is not simply - "buy everything ...
by BroIceCream
Tue Aug 18, 2020 4:32 pm
Forum: Personal Investments
Topic: Fidelity Taxable Question: Vanguard ETF VS Fidelity Index Fund
Replies: 30
Views: 2319

Re: Fidelity Taxable Question: Vanguard ETF VS Fidelity Index Fund

So maybe just continuing to roll with FSKAX isn't as bad as I first thought... I have a ton of it already in my Fidelity Taxable account. I guess in my mind, and based off some things I've read, it seemed like FSKAX distributed a lot of capital gains each year resulting in a tax consequence for me....
by BroIceCream
Sat Aug 15, 2020 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: If I use paypal to make a donation does paypal give out info about me to the group I am donating to?
Replies: 7
Views: 873

Re: If I use paypal to make a donation does paypal give out info about me to the group I am donating to?

Another way to make an annonymous donation via credit card is using Privacy.com. I recently did this. I used a "single-use" credit card (with a limit set at the transaction amount). With a fake name . After the transaction, I cancelled the one-time-use card. Privacy.com will authenticate the first u...
by BroIceCream
Sat Aug 15, 2020 2:36 am
Forum: Personal Investments
Topic: Small Cap Value Mutual Fund Suggestions for Fidelity User
Replies: 12
Views: 992

Re: Small Cap Value Mutual Fund Suggestions for Fidelity User

I use both FISVX MF and IJS ETF. FISVX is in my tax-advantaged account where I buy fractional amounts with every paycheck. In my taxable account, I purchase IJS. Having both has given me flexibility to TLH IJS in my taxable account and not affect my ongoing automatic payroll purchases of FISVX due t...
by BroIceCream
Mon Aug 10, 2020 1:21 am
Forum: Personal Investments
Topic: Looking for a cloud based portfolio tracker
Replies: 15
Views: 1707

Re: Looking for a cloud based portfolio tracker

REITired wrote: Sun Aug 09, 2020 10:11 pm +1 for googlesheets
+2; Here is a good starting point if you don't want to create your own. www.doughroller.net:an-awesome-and-free-investment-tracking-spreadsheet
by BroIceCream
Sun Aug 09, 2020 1:12 pm
Forum: Personal Consumer Issues
Topic: Looking for ideas for audiobooks
Replies: 7
Views: 397

Re: Looking for ideas for audiobooks

So many to list, I'll just pick two recent favorites. As You Wish: Inconceivable Tales from the Making of "The Princess Bride" - Elwes, Cary (I've you've seen the movie, this is a hillarious read on its making. Also insightful on the making of a film. Killing England: The Brutal Struggle for America...
by BroIceCream
Sat Aug 08, 2020 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Access to e-bills in joint checking: separate logins
Replies: 24
Views: 1227

Re: Access to e-bills in joint checking: separate logins

... Has anyone else run into this issue with a joint checking? At BofA , we have the same issue. No work-around to my knowledge. At Fidelity (cash mgmt acct), the BillPay info is shared with both owner/spouse login's. So there is some evidence that it is not impossible for a bank to allow it.
by BroIceCream
Thu Aug 06, 2020 1:22 am
Forum: Personal Consumer Issues
Topic: Scheduling Software?
Replies: 2
Views: 429

Re: Scheduling Software?

I know of a church that evaluated, and liked this website. www.clickbook.net
Free, easy to use, and has most of the features you mentioned.
by BroIceCream
Tue Aug 04, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5788
Views: 1380913

Re: What Movie Have You Recently Watched?

Charade (1963) with Cary Grant and Audrey Hepburn, Walter Matthau, and a few actors from the Dirty Dozen. A decent movie, mix between Alfred Hitchcock and a romantic comedy. Some action, guns, hand-to-hand fighting. And a surprise ending, eventhough I thought I figured it out [incorrectly] a few ti...
by BroIceCream
Mon Aug 03, 2020 9:41 pm
Forum: Investing - Theory, News & General
Topic: Large Cap Growth has beat Large Cap Value
Replies: 17
Views: 1295

Re: Large Cap Growth has beat Large Cap Value

The Callan tables do publish a growth vs value chart.

See pg.8/slide 9. There are several periods of interest, just over the last few years.
www.callan.com/wp-content/uploads/2020/02/Periodic-Table-Collection.pdf
by BroIceCream
Sun Aug 02, 2020 5:06 pm
Forum: Personal Investments
Topic: HSA Really Worth It In California?
Replies: 17
Views: 1920

Re: HSA Really Worth It In California?

In my experience calculating taxes on HSA investments took less than 30 minutes. I use TurboTax, and the CA module flagged for me the need to enter capital gains and distributions from my HSA. I used my Fidelity HSA year-end statement, which had these amounts clearly listed. Total additional time f...
by BroIceCream
Sun Aug 02, 2020 4:46 pm
Forum: Personal Investments
Topic: FFNOX thoughts? [Fidelity® Four-in-One Index Fund]
Replies: 23
Views: 2648

Re: FFNOX thoughts?

FFNOX is an outstanding all-in-one solution. The stock/bond ratio is 85/15, which is very good for an aggressive allocation. .... Note that by adding a little more bond in a second fund, then you can dial in any stock/bond ratio you are comfortable with. Of course, if you do that, you could just pi...
by BroIceCream
Sat Aug 01, 2020 7:49 pm
Forum: Personal Consumer Issues
Topic: Book recommendations on leadership and management
Replies: 18
Views: 1403

Re: Book recommendations on leadership and management

A few books... some are old, some are deemed simplistic -- but the finest managers I've worked with over 35 years in a fortune 500 company as well as govt. work practiced the principles in the first two. How to Win Friends and Influence People by Dale Carnegie The One Minute Manager by Kenneth H. Bl...
by BroIceCream
Thu Jul 30, 2020 7:12 pm
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 242
Views: 22406

Re: Books that changed your life

Non-Fiction Return From Tomorrow - George Ritchie The Cuckoo's Egg - Cliff Stoll Lost Moon - Jim Lovell The Great Escape - Paul Brickhill How to win friends and influence people - Strengths Finder 2.0 Fiction Frankenstein - Mary Shelley Contact - Carl Sagan The Count of Monte Cristo - Alexandre Dum...
by BroIceCream
Mon Jul 27, 2020 2:47 pm
Forum: Forum Issues and Administration
Topic: Proposal to represent a dynamic word cloud in Boglehead's main page
Replies: 82
Views: 5088

Re: Proposal to represent a dynamic word cloud in Boglehead's main page

David Jay wrote: Mon Jul 27, 2020 8:58 am
RetiredAL wrote: Mon Jul 27, 2020 2:41 am
arcticpineapplecorp. wrote: Sun Jul 26, 2020 8:42 pm i bet the following words come up most often:
small,
value,
index,
tilt,
market,
timing,
international,
the (most common word in english)
You missed "best".
Yeah, one of my pet peeves...
another peeve... "haystack"
by BroIceCream
Mon Jul 20, 2020 1:22 am
Forum: Personal Consumer Issues
Topic: Alternatives to Adobe Acrobat paid version
Replies: 9
Views: 751

Re: Alternatives to Adobe Acrobat paid version

Take a look at foxit software, and review the features of their PDF editor. It is a one-time fee (not annual).
Our large business uses the foxit reader instead of AA for general reading usage.

https://www.foxitsoftware.com/pdf-editor/
by BroIceCream
Sun Jul 19, 2020 11:14 am
Forum: Investing - Theory, News & General
Topic: Vanguard Notifications for Rebalance Bands
Replies: 22
Views: 1828

Re: Vanguard Notifications for Rebalance Bands

...Do you have insight as to how I would research building a spreadsheet like this? I made my own spreadsheet, but here is a good one that has similar features, which you could use to customize. When I open it, mine highlights positions when they are out of band. doughroller.net:/an-awesome-and-fre...
by BroIceCream
Sat Jul 18, 2020 1:01 pm
Forum: Investing - Theory, News & General
Topic: Questions for Rick Ferri and Paul Merriman?
Replies: 62
Views: 6447

Re: Questions for Rick Ferri and Paul Merriman?

What are each of their opinions on what bogleheads.org has become? What 2 things do they wish they could change or improve on this site?
by BroIceCream
Sat Jul 18, 2020 11:34 am
Forum: Personal Investments
Topic: Rebalancing Taxable vs. IRA
Replies: 5
Views: 490

Re: Rebalancing Taxable vs. IRA

...What is the benefit of holding bonds in retirement accounts? ...Plus if I need to rebalance from stocks to bonds or from bonds to stocks, then I can exchange funds without incurring any tax costs by doing the exchange in my tax-deferred accounts. Other than TIPS and REITs that I have exclusively...
by BroIceCream
Sat Jul 18, 2020 11:28 am
Forum: Personal Consumer Issues
Topic: Stainless steel appliance cleaner - need recommendation
Replies: 42
Views: 2054

Re: Stainless steel appliance cleaner - need recommendation

One reviewer's opinion: The best stainless steel cleaner in 2020: TriNova, Weiman, and more . Weiman products have done well for us, but we've hardly conducted rigorous comparison tests. Good luck! +1; We too use Weiman wipes, and found them easy to use, and effective. Available at Target, Home Dep...
by BroIceCream
Sat Jul 18, 2020 2:15 am
Forum: Investing - Theory, News & General
Topic: Questions for Rick Ferri and Paul Merriman?
Replies: 62
Views: 6447

Re: Questions for Rick Ferri and Paul Merriman?

I'm curious on their perspective of whether recent DFA or Avantis ETFs provide any advantage over comparable, though less expensive alternatives from Vanguard and Fidelity?

Mystery solved on why BH's can only do the math to rebalance 3 funds vs 10... they drink too much :D
:sharebeer
by BroIceCream
Fri Jul 17, 2020 6:37 pm
Forum: Personal Consumer Issues
Topic: Best online cloud storage for large hard drive?
Replies: 17
Views: 1309

Re: Best online cloud backup for large hard drive?

"best" may be a bit subjective. I am using box.com now for supplementary cloud storage. I prefer their higher capacity available for 'free' users, and the PC interface is seamless, and in my usage model less intrusive than dropbox. For backup, I use Carbonite - also gives remote access to my backed ...
by BroIceCream
Wed Jul 15, 2020 1:15 am
Forum: Personal Investments
Topic: How to zero out a traditional IRA account?
Replies: 36
Views: 4631

Re: How to zero out a traditional IRA account?

I do a backdoor Roth contribution annually in January. From Feb to Dec, I've got those 0.47 cents sitting there. I just leave them until next years contribution. My tax software can handle it, so can I. No need to stress.
by BroIceCream
Sun Jul 12, 2020 5:57 pm
Forum: Personal Investments
Topic: Consolidating to Fidelity
Replies: 30
Views: 3466

Re: Consolidating to Fidelity

My future investments (or reinvestment of dividends) at Fidelity can be in Vanguard ETFs with no fee, but there will be a $75 if I choose to invest in Vanguard Mutual Funds. To avoid the $75 Vanguard mutual fund fees, and if you prefer mutual funds... If the funds are in a tax-advantaged account (4...
by BroIceCream
Sun Jul 12, 2020 1:10 pm
Forum: Personal Investments
Topic: Consolidating to Fidelity
Replies: 30
Views: 3466

Re: Consolidating to Fidelity

My employer uses Fidelity, and we have consolidated all accounts there (401K, Roth/Trad IRA, HSA, other investments. The cash managment account with BillPay and 2% rewards visa is handy. We retained one local "brick and mortar" bank (BofA), to keep our safe deposit box, and occasional money order, c...
by BroIceCream
Sun Jul 12, 2020 1:34 am
Forum: Personal Investments
Topic: Brokeragelink dividends?
Replies: 13
Views: 993

Re: Brokeragelink dividends?

My Fidelity Brokeragelink account is also linked to my company 401K. I own a few Fidelity ETFs in the account. If I go to the "Activities & Orders" page for the account I periodically see something like the following listed under the HISTORY section: "DIVIDEND RECEIVED NAME (TICKER) (Cash)" and the...
by BroIceCream
Fri Jul 10, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: "Virtual credit card number," Capital One: any reason why not?
Replies: 16
Views: 1362

Re: "Virtual credit card number," Capital One: any reason why not?

I won't reiterate all of the excellent reasons listed above for using virtual cards. I don't have a Capital One card, and my current bank stopped offering virtual numbers a year ago. But for the non-Capital One users that want to use virtual numbers : I now use Privacy.com for my virtual cards now. ...
by BroIceCream
Thu Jul 09, 2020 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your money for quarterly estimated tax payments?
Replies: 50
Views: 3300

Re: Where do you keep your money for quarterly estimated tax payments?

To keep myself from accidentally spending my estimated tax $ prior to its payment - I buy some CD's at Fidelity that mature a week before each EFTPS payment (I schedule the four CD's at the time I file my taxes, for the coming year). The CD's hold the money in reserve for my payment (and earn a litt...
by BroIceCream
Thu Jul 09, 2020 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Backdoor Roth & TurboTax
Replies: 4
Views: 304

Re: 2019 Backdoor Roth & TurboTax

I know the question was retracted, but I always seem to make a mistake annually, during the first attempt of reporting my taxes. I have this article saved and I've referred to it each year. Instructions for HR-Block, TaxAct, FreeTaxUSA is also referenced. thefinancebuff.com/how-to-report-backdoor-ro...
by BroIceCream
Sun Jul 05, 2020 9:57 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 188
Views: 12775

Re: Neighborhood Noise

If the blaring music violates a local noice ordinance, call the police . Alternatively, in my county, you can file an anonymous (to the violator) report and the violator will be warned at the first occurrence and then fined for continued violations. From what I’ve been told by county staff, the thr...
by BroIceCream
Sun Jul 05, 2020 7:59 pm
Forum: Personal Consumer Issues
Topic: Bradford White vs Rheem Gas Water Heater
Replies: 41
Views: 2563

Re: Bradford White vs Rheem Gas Water Heater

I've spent a few hours reading reviews of tanked gas water heaters and I have narrowed my choices down to a Bradford White (from a plumbing supply online website) or a Rheem 12 year warranty Performance Platinum from Home Depot. Both are 40 gallon 60" height gas tanked water heaters. If you have an...
by BroIceCream
Wed Jul 01, 2020 1:03 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 230
Views: 12725

Re: What is the single best piece of exercise equipment you bought for your home?

Anyone have one of those pull up devices that are made to hang in a doorway? Do they work ok without wrecking the doorway? They work ok, as long as you have decent trim surrounding the door. One thing we've found on the model we have is that as the pullup bar ages, the rubber bumpers that rest agai...
by BroIceCream
Tue Jun 30, 2020 12:52 pm
Forum: Personal Investments
Topic: Activity assessment fee in Fidelity
Replies: 9
Views: 1081

Re: Activity assessment fee in Fidelity

I've also seen this fee at E-Trade, and Fidelity. Standard stuff.
by BroIceCream
Sat Jun 27, 2020 12:11 pm
Forum: Personal Consumer Issues
Topic: phone service through Comcast
Replies: 15
Views: 970

Re: phone service through Comcast

Have you considered Ooma instead? https://www.ooma.com/home-phone-service/ +1 $5-6 dollars a month, unlimited calls+911 ++ Ooma also has builtin voicemail (accessable remotely or via phone app). In our household, we prefer our old Panasonic answering machine built into our cordless phones which wor...
by BroIceCream
Thu Jun 25, 2020 10:05 pm
Forum: Personal Investments
Topic: My friend does not trust one brokerage Firm?
Replies: 24
Views: 1640

Re: My friend does not trust one brokerage Firm?

It could be a generational concern, or some discomfort with investing in general. I have aged parents who lived during the Depression, and are concerned that banks will only insure deposits up to the FDIC limits (~250K). As a result, they have their savings accounts split across 3 different banks. M...
by BroIceCream
Thu Jun 25, 2020 9:58 pm
Forum: Personal Consumer Issues
Topic: Any Astronomy Buffs Out There?
Replies: 80
Views: 5387

Re: Any Astronomy Buffs Out There?

Turn Left at Orion Orion is a fantastic constellation of stars and other objects, but it has set in North America as the sun goes down, so it will not be visible in the night sky for many months. I think otinkyad was referring to the book by that name "Turn Left at Orion", an excellent quide for be...
by BroIceCream
Thu Jun 25, 2020 9:48 pm
Forum: Personal Investments
Topic: What questions to ask myself regarding my risk tolerance?
Replies: 13
Views: 904

Re: What questions to ask myself regarding my risk tolerance?

I"ve taken this Risk Quiz from the podcast sponsors of "Talking Real Money", Vestory I've taken it twice, three years apart, and noticed how my score changed the more I became comfortable with the stock market (I changed from a 55/45... to a 70/30.) www.talkingrealmoney.com/risquiz P.S. The company ...