Search found 59 matches

by engineerbme
Wed May 20, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1610
Views: 224317

Re: Fidelity as a one stop shop

All of a sudden I had a late fee on my Synchrony Bank and I was told the payment was reversed and that my bank (UMB/Fidelity) did not allow the payment. I inquired with Fidelity CS and they never even saw an attempt for a debit pull. Synchrony now claims they can only accept checking accounts to ma...
by engineerbme
Thu May 14, 2020 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1610
Views: 224317

Re: Fidelity as a one stop shop

Here's a super weird bizarre outcome using a Fidelity Brokerage Investment account to make a payment for a Synchrony credit card. I setup an existing brokerage investment account using the account number and routing number directly shown on Fidelity's website to an automatic payment on Synchrony web...
by engineerbme
Wed Mar 18, 2020 7:45 am
Forum: Personal Investments
Topic: Landlords how are you handling your renters
Replies: 16
Views: 1985

Re: Landlords how are you handling your renters

Rumor has it Cuomo in NY will ask Rent and Utilities to be postponed for NYers.
by engineerbme
Fri Feb 07, 2020 9:12 am
Forum: Personal Investments
Topic: Wealthfront -> Fidelity Transfer, keep or consolidate?
Replies: 1
Views: 207

Wealthfront -> Fidelity Transfer, keep or consolidate?

GM everyone, Recently transferred my robo investment from Wealthfront over to Fidelity since I am trying to consolidate my funds with one firm. A lot of ETFs transferred over and I wanted your opinion on whether I should leave it as is, or to reinvest into other funds. Please advise. Thanks! Symbol,...
by engineerbme
Wed Feb 05, 2020 12:57 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1087
Views: 121433

Re: [Fidelity Health Savings Account Mega-Thread]

You can only do one free 60-day indirect HSA rollover per 12 month period. You can do as many trustee -> trustee transfers as you want and HSA Bank allows. Many HSA custodians charge a $20-$25 fee for such transfers, some charge no fee. I do not know what HSA bank charges, but am sure many others d...
by engineerbme
Wed Feb 05, 2020 9:32 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1087
Views: 121433

Re: [Fidelity Health Savings Account Mega-Thread]

I tried searching and trying to answer my question but didn't have much success. My employer uses HSA Bank exclusively to make my HSA contributions. At one point I was able to create an investment TdAmeritrade account through HSA Bank and then did a direct transfer over to my Fidelity HSA. This forc...
by engineerbme
Wed Feb 05, 2020 9:18 am
Forum: Personal Investments
Topic: Review my portfolio please!
Replies: 12
Views: 919

Re: Review my portfolio please!

In my opinion it's a very good idea to consolidate accounts at one location. Fidelity is a good choice. Investment, % of Portfolio, Type Traditional IRA, 10.30, VFIFX Roth IRA, 2.38, VTSAX Fidelity, 9.76, SPRXX HSA Fidelity, 0.64, FFLEX HSA Bank, 0.29, Cash Marcus NP CD, 0.61, Cash Purepoint NP CD,...
by engineerbme
Tue Feb 04, 2020 4:15 pm
Forum: Personal Investments
Topic: Review my portfolio please!
Replies: 12
Views: 919

Re: Review my portfolio please!

What about your HSA Bank account? Can you roll it over to the HSA at Fidelity, at least just to simplify your accounts? unfortunately my HSA contributions from my employer plan go into HSA Bank...at one point I had opened a TdAmeritrade investing account within it and successfully transferred it to...
by engineerbme
Tue Feb 04, 2020 4:14 pm
Forum: Personal Investments
Topic: Review my portfolio please!
Replies: 12
Views: 919

Re: Review my portfolio please!

as for asset allocations i'd like to have some form of a steady return, whether it be through a municipal bond, ETF, etc. anything that could be better than the 1.44% yield on my SPRXX parked funds so I can invest about 8-9% of my portfolio that is cash into something better? Is that 8-9% cash earm...
by engineerbme
Tue Feb 04, 2020 2:45 pm
Forum: Personal Investments
Topic: Review my portfolio please!
Replies: 12
Views: 919

Re: Review my portfolio please!

since my tax status is married filing separately i thought I was ineligible now to contribute into a roth IRA... with that in mind, could I contribute to a traditional IRA and then roll it into a roth IRA (backdoor style?) or is this not possible for me? as for asset allocations i'd like to have som...
by engineerbme
Tue Feb 04, 2020 2:01 pm
Forum: Personal Investments
Topic: Review my portfolio please!
Replies: 12
Views: 919

Review my portfolio please!

Emergency funds: Way more than needed, cash at overall 42% of assets Debt: No debt for me, wife has $125k student loans Tax Filing Status: Married Filing Separately Tax Rate: 22% Federal, 6.21% State State of Residence: NY Age: 30 Desired Asset allocation: 80% stocks / 20% bonds Desired Internation...
by engineerbme
Fri Dec 27, 2019 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Veterinarian Federal employment help
Replies: 6
Views: 557

Re: Veterinarian Federal employment help

It helps to use the resume builder on USAJOBS (if you aren't already) and basically rewriting all the keywords in the job description, describing what you do, and what your accomplishments have been coming from the outside is hard for a federal job, unless you already are in the government, that's j...
by engineerbme
Fri Oct 25, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1610
Views: 224317

Re: Fidelity as a one stop shop

just came back from a 10 day trip to Italy, had zero issues withdrawing $ with my Fidelity CMA, no transaction fees at all and very good same day conversion rates, very pleasant experience, very glad I joined Fidelity
by engineerbme
Fri Sep 06, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Stressed Over Money 25 Yr. Old
Replies: 65
Views: 5389

Re: Stressed Over Money 25 Yr. Old

yeah just gonna chime in here with the others....doesn't seem like a money issue 1. move out of your parents house, get some more responsibility. you say you like living with low expenses, well get used to growing up and move out and grow a pair of balls 2. cut back on OT and focus on family and you...
by engineerbme
Mon Aug 19, 2019 1:08 pm
Forum: Personal Investments
Topic: Treasury Bill Question
Replies: 10
Views: 2369

Re: Treasury Bill Question

Does this mean for a $1000 Tbills bought for $998.41 I am only expecting $1.56 back at the end of 4 weeks? For the $998.41 you paid, you should be expecting $1,000 back at the end of 4 weeks. Sorry, yes this is the actual correct answer. Assuming we are talking about 4 week treasury bills, you get ...
by engineerbme
Thu Aug 15, 2019 3:05 pm
Forum: Personal Investments
Topic: Treasury Bill Question
Replies: 10
Views: 2369

Re: Treasury Bill Question

sorry to dig up on old thread... first time buying a Tbill Used Fidelity, it filled my order in at $99.8413. Does this mean for a $1000 Tbills bought for $998.41 I am only expecting $1.56 back at the end of 4 weeks? Yes, that's right. For a quick and dirty ballpark figure, you know the current inte...
by engineerbme
Thu Aug 15, 2019 2:50 pm
Forum: Personal Investments
Topic: Treasury Bill Question
Replies: 10
Views: 2369

Re: Treasury Bill Question

sorry to dig up on old thread...

first time buying a Tbill

Used Fidelity, it filled my order in at $99.8413.

Does this mean for a $1000 Tbills bought for $998.41 I am only expecting $1.56 back at the end of 4 weeks?
by engineerbme
Tue Aug 13, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1610
Views: 224317

Re: Fidelity as a one stop shop

with interest rates dropping and SPRXX now yielding 1.95%, where are people parking their cash funds into for their brokerage accounts and CMA (not asking about the admiral $100k investment mins), TIA! For now, in addition to keeping our EF in auto-rolling 6 month Treasury ladders, we put some shor...
by engineerbme
Tue Aug 13, 2019 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1610
Views: 224317

Re: Fidelity as a one stop shop

Is it normal that the Fidelity credit card usage email alerts arrive 2 days after the purchase is made? I'm new to this, still figuring out if I have it set up correctly. you can set it up for text alerts that should happen immediately after a purchase is made here: https://alertable.fidelity.com/f...
by engineerbme
Tue Aug 13, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1610
Views: 224317

Re: Fidelity as a one stop shop

with interest rates dropping and SPRXX now yielding 1.95%, where are people parking their cash funds into for their brokerage accounts and CMA (not asking about the admiral $100k investment mins), TIA! For now, in addition to keeping our EF in auto-rolling 6 month Treasury ladders, we put some shor...
by engineerbme
Tue Aug 13, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1610
Views: 224317

Re: Fidelity as a one stop shop

with interest rates dropping and SPRXX now yielding 1.95%, where are people parking their cash funds into for their brokerage accounts and CMA (not asking about the admiral $100k investment mins), TIA!
by engineerbme
Tue Aug 13, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: high-yield savings: stay or switch?
Replies: 50
Views: 5544

Re: high-yield savings: stay or switch?

susa wrote:
Mon Aug 12, 2019 2:33 pm
We use Northern Bank at 2.50%

Full list is here and we move funds around to whereever there is best % plus bonus (ie. Marcus-GS Bank)

https://www.doctorofcredit.com/high-int ... gs-to-get/
+1 DoC is a great site!
by engineerbme
Tue Aug 13, 2019 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Best Checking/ System for Cash Management/ Sweeping?
Replies: 19
Views: 3339

Re: Best Checking/ System for Cash Management/ Sweeping?

while aboard, have you or anyone else on this forum, successfully used the CMA abroad with $0 in the account and overdraft on? im traveling in a few months and was wondering if I need to keep some money in the CMA just to be safe and not get declined at ATMs abroad, TIA I haven't. I only have the r...
by engineerbme
Mon Aug 12, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: high-yield savings: stay or switch?
Replies: 50
Views: 5544

Re: high-yield savings: stay or switch?

point taken, but i was not accusing you of being a liar, you are correct about the initial account setup, however future account setups do not require this, so if you really cared enough you could just give a bogus account to link up, and then perform the trial deposits...the way you are addressing...
by engineerbme
Mon Aug 12, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Best Checking/ System for Cash Management/ Sweeping?
Replies: 19
Views: 3339

Re: Best Checking/ System for Cash Management/ Sweeping?

It's very confusing, for sure. When I was in Europe and Asia, we used our Fidelity ATM card to withdraw cash with no Foreign Transactions Fees added and all ATM fees refunded. As I understand it, there is a 1% fee if you use your debit to make purchases. However, we used our Chase Visa card for any...
by engineerbme
Sat Aug 10, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1610
Views: 224317

Re: Fidelity as a one stop shop

So I ran into a snag today (Saturday). I went to a bank of america ATM to withdraw some cash from my CMA (which has overdraft turned on and $0 in it), but the transaction was declined due to insufficient funds. So it did not automatically overdraft any cash into the CMA from the investment account....
by engineerbme
Fri Aug 09, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: high-yield savings: stay or switch?
Replies: 50
Views: 5544

Re: high-yield savings: stay or switch?

if you click 'manage my bank accounts' after you're viewing your wealthfront cash account, you can't do any other way but the 2 trial deposits by entering your routing and account number...i never setup my bank accounts the way you're explaining above. it's also listed here: https://support.wealthf...
by engineerbme
Thu Aug 08, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1610
Views: 224317

Re: Fidelity as a one stop shop

I had something new (at least for me) happen today. I transferred some money from an Ally online savings account to my Fidelity CMA account (a push from Ally to Fidelity). In my Fidelity CMA account I have an existing balance in FZDXX (a money market fund), no money in the core position (the core p...
by engineerbme
Wed Aug 07, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: high-yield savings: stay or switch?
Replies: 50
Views: 5544

Re: high-yield savings: stay or switch?

I also don't like the way Wealthfront links your external bank accounts. They ask for your user id and password from the external bank, just like Mint.com does. After that, they can see ALL of your accounts with that bank, not just the one account you want to link...creepy. this is totally untrue, ...
by engineerbme
Wed Aug 07, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: high-yield savings: stay or switch?
Replies: 50
Views: 5544

Re: high-yield savings: stay or switch?

I also don't like the way Wealthfront links your external bank accounts. They ask for your user id and password from the external bank, just like Mint.com does. After that, they can see ALL of your accounts with that bank, not just the one account you want to link...creepy. this is totally untrue, ...
by engineerbme
Wed Aug 07, 2019 8:05 am
Forum: Personal Finance (Not Investing)
Topic: high-yield savings: stay or switch?
Replies: 50
Views: 5544

Re: high-yield savings: stay or switch?

I also don't like the way Wealthfront links your external bank accounts. They ask for your user id and password from the external bank, just like Mint.com does. After that, they can see ALL of your accounts with that bank, not just the one account you want to link...creepy. this is totally untrue, ...
by engineerbme
Tue Aug 06, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: high yield savings vs. no penalty CDs
Replies: 28
Views: 3135

Re: high yield savings vs. no penalty CDs

i'd go with marcus' 13 month no penalty CD at 2.35% in your situation
by engineerbme
Wed Jul 17, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: Credit card question - get Uber's new 4%er?
Replies: 60
Views: 10051

Re: Credit card question - get Uber's new 4%er?

what BS bank, Barclays...asking for my verification via snail mail...

called back and told them to cancel my app, applied for the CapitalOne Savor got an instant $15k CSL in 30 seconds....Barclays can go off themselves...
by engineerbme
Tue Jul 16, 2019 2:47 pm
Forum: Investing - Theory, News & General
Topic: Best Fidelity Money Market Account to Hold Cash?
Replies: 56
Views: 22863

Re: Best Fidelity Money Market Account to Hold Cash?

with interest rates going down and the 7-day yield falling for SPRXX and SPAXX, is the advice the same?
by engineerbme
Fri Jul 12, 2019 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Transferring HSABank to Fidelity HSA
Replies: 11
Views: 1823

Re: Transferring HSABank to Fidelity HSA

any advice given my situation where my TDAmeritrade account is closed now, but still would like to transfer to Fidelity on a reoccurring basis from HSABank?
by engineerbme
Tue Jul 09, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Transferring HSABank to Fidelity HSA
Replies: 11
Views: 1823

Re: Transferring HSABank to Fidelity HSA

I would say call tda and ask them not to close it, and in future don’t transfer all assets, leave 50 bucks or whatever in the account. I would just then do the transfers every 6 months to yearly going forward. If you can’t do a partial transfer, then you could do the every 12 mos partial rollover. ...
by engineerbme
Tue Jul 09, 2019 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Transferring HSABank to Fidelity HSA
Replies: 11
Views: 1823

Re: Transferring HSABank to Fidelity HSA

I'm sure everyone's situation is different, but I had no trouble transferring directly from HSABank to Fidelity by initiating the transfer request on Fidelity's website. Is there a reason you're having to go through TDAmeritrade? i basically read that going through TDAmeritrade was a faster transfe...
by engineerbme
Fri Jul 05, 2019 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Transferring HSABank to Fidelity HSA
Replies: 11
Views: 1823

Transferring HSABank to Fidelity HSA

Hi Everyone, Been researching the forums and came across a method to transfer funds from my HSABank account to an individual Fidelity HSA. The method I attempted to use seems to work but I've run into an issue. My HDHP uses HSABank for reoccurring monthly deposits (this is a FEHB, government HDHP). ...
by engineerbme
Wed Jun 26, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Ally savings acct lowers rate by 10 bps to 2.1%
Replies: 40
Views: 6313

Re: Ally savings acct lowers rate by 10bp to 2.1%

Just transferred some (not all) of my funds to my PurePoint account at 2.35%. I use both accounts for different purposes, but now with a 0.25% APY difference it's time to consolidate some more. i have purepoint but instead of using their savings I used their no penalty CD which is at 2.50% fyi...
by engineerbme
Fri Jun 21, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1610
Views: 224317

Re: Fidelity as a one stop shop

Since transitioning to using the ATM/debit card with my fidelity brokerage account, I've noticed that an ATM withdrawal doesn't post to the account for 2-3 business days. Years ago when I used the ATM card with the fidelity CMA account, I thought it posted same day. Curious if others have noticed t...
by engineerbme
Fri Jun 21, 2019 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1610
Views: 224317

Re: Fidelity as a one stop shop

Since transitioning to using the ATM/debit card with my fidelity brokerage account, I've noticed that an ATM withdrawal doesn't post to the account for 2-3 business days. Years ago when I used the ATM card with the fidelity CMA account, I thought it posted same day. Curious if others have noticed t...
by engineerbme
Tue Jun 18, 2019 8:41 am
Forum: Personal Investments
Topic: Any suggestions re: TD Ameritrade short term bond ETF?
Replies: 10
Views: 1404

Re: Any suggestions re: TD Ameritrade short term bond ETF?

jumping on this old thread...trying to invest into Ameritrade using HSA Bank funds... want to be conservative for short term gains in case I need to pull money out... also thinking of just moving money from HSA Bank -> TD Ameritrade -> Fidelity HSA; should I just park funds in Ameritrade and wait to...
by engineerbme
Mon Jun 17, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Hsabank to fidelity-HSA
Replies: 29
Views: 2477

Re: Hsabank to fidelity-HSA

not trying to hijack OP's thread but in similar situation... i have an employer contributed HDHP into HSA Bank...would like to transfer over to Fidelity HSA... googling the forums has led me to believe that the following method will not flag any tax violations: hsabank -> TD Amertitrade investing op...
by engineerbme
Mon Jun 17, 2019 1:23 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1087
Views: 121433

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

I've recently (i.e. today) started an HSA with HSA Bank (only option with my employer and contributions through payroll allow me to avoid FICA and get a employer match). I would like to transfer my contributions from HSA Bank to Fidelity (via trustee-to-trustee transfer ideally) as frequently as po...
by engineerbme
Sat Jun 15, 2019 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1610
Views: 224317

Re: Fidelity as a one stop shop

recently did an ATM withdrawal and it showed up as 'debit card purchase', hoping the reimbursement actually takes place because contrary to what ive read on this forum it should be 'instant' (?) but the Fidelity chat rep I spoke to said to give it 2-3 business days...the rep couldn't verify if it w...
by engineerbme
Fri Jun 14, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1610
Views: 224317

Re: Fidelity as a one stop shop

recently did an ATM withdrawal and it showed up as 'debit card purchase', hoping the reimbursement actually takes place because contrary to what ive read on this forum it should be 'instant' (?) but the Fidelity chat rep I spoke to said to give it 2-3 business days...the rep couldn't verify if it wa...
by engineerbme
Fri Jun 14, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Wealthfront to offer "Path" for free to the public
Replies: 6
Views: 1884

Re: Wealthfront to offer "Path" for free to the public

ive been using it since i signed up with Wealthfront with my personal investment account and honestly i didn't even realize what I was looking at every time I logged in, but it's actually pretty cool; shows me projected retirement money, and how much I'll have to spend per month i have all my invest...
by engineerbme
Wed Jun 12, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1610
Views: 224317

Re: Fidelity as a one stop shop

I also wanted to know how long it took for direct deposits from your employers to hit your brokerage account (or CMA account, if there is a difference in processing time), is it usually a day quicker than most paychecks hitting banks on Friday when employers pay on that Wednesday? Somewhat off-topi...
by engineerbme
Wed Jun 12, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1610
Views: 224317

Re: Fidelity as a one stop shop

hi everyone, been following this thread closely and have recently setup a CMA with a brokerage account with Fidelity. I have $0 in my CMA with auto OD setup to the brokerage account, parked in SPAXX. just wanted to know people's experience in ATM fee reimbursements internationally versus domesticall...