Search found 1536 matches

by Cash
Sun Jul 12, 2020 12:05 pm
Forum: Investing - Theory, News & General
Topic: TSP share price in Google Sheets like GoogleFinance
Replies: 34
Views: 14209

Re: TSP share price in Google Sheets like GoogleFinance

Thanks. Looks like getSharePrice.html returns a table in HTML format. This gets me the latest price of the G fund: =INDEX(ImportHtml("https://secure.tsp.gov/components/CORS/getSharePrices.html?G=1", "table", 1), 2,2) And this gives me the as of date for the price: =INDEX(ImportHtml("https://secure....
by Cash
Mon Jul 06, 2020 8:09 pm
Forum: Personal Consumer Issues
Topic: Boglehead Way to buy an Audi
Replies: 91
Views: 5654

Re: Boglehead Way to buy an Audi

We purchased a 2013 Audi A6 CPO in the winter of 2014. It's a great car and a pleasure to drive. We ended up with the Prestige model because DH wanted the cornering lights which were only on the upper end model that year. We have not had any issues with the car. Same car and year, no issues. I got ...
by Cash
Sat Jul 04, 2020 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1622
Views: 226744

Re: Fidelity as a one stop shop

Does anyone else have seemingly random orders placed on their account? I have the CMA that maintains a $0 balance w/ automatic overdraft protection from my brokerage account. This morning I signed on and at 1:30AM there was a sell order for ~$315 of SPRXX, but I don't have any activity that should ...
by Cash
Fri Jul 03, 2020 12:28 pm
Forum: Investing - Theory, News & General
Topic: TSP share price in Google Sheets like GoogleFinance
Replies: 34
Views: 14209

Re: TSP share price in Google Sheets like GoogleFinance

Thanks for the update! I would have been wondering what was going on.
by Cash
Tue Jun 30, 2020 7:18 pm
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 171
Views: 13314

Re: YoutubeTV subscription now $64.99/month

Guess the cable companies were right all along. You need certain channels to attract enough people to be viable. And those channels cost a lot of money and come with lots of useless channels because of the way the major networks operate. Sigh.
by Cash
Sun Jun 21, 2020 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank Charging Monthly Account Maintenance Fees - GEHA HDHP
Replies: 19
Views: 1757

Re: HSA Bank Charging Monthly Account Maintenance Fees - GEHA HDHP

No fee, just the new minimum balance requirement for investing at TDA.
by Cash
Sun Jun 21, 2020 11:21 am
Forum: Personal Finance (Not Investing)
Topic: HSA Bank Charging Monthly Account Maintenance Fees - GEHA HDHP
Replies: 19
Views: 1757

Re: HSA Bank Charging Monthly Account Maintenance Fees - GEHA HDHP

So I had to sell some securities to transfer the minimum cash back to HSA Bank so that it wouldn't mess up by autopurchases with TDA. I forgot to change the threshold, but just checked, and it indeed has been changed to $1k. Are you auto purchasing mutual funds at TDA? Or stock/ETFs? Didn't know th...
by Cash
Sun Jun 21, 2020 6:20 am
Forum: Personal Finance (Not Investing)
Topic: HSA Bank Charging Monthly Account Maintenance Fees - GEHA HDHP
Replies: 19
Views: 1757

Re: HSA Bank Charging Monthly Account Maintenance Fees - GEHA HDHP

I received a letter two weeks ago saying that they planned to implement it (for me at least) on June 18: On June 18, 2020, only HSA funds in excess of $1,000 in your HSA Bank cash account can be transferred to your investment account. If you utilize Auto-Sweep and your minimum threshold is set below...
by Cash
Tue Jun 02, 2020 8:08 pm
Forum: Investing - Theory, News & General
Topic: 100% Equity Investors: What are you holding?
Replies: 30
Views: 2753

Re: 100% Equity Investors: What are you holding?

VT and funds to approximate VT where it is not available.
by Cash
Mon May 25, 2020 3:38 pm
Forum: Personal Consumer Issues
Topic: Getting started with Dashlane
Replies: 43
Views: 2242

Re: Getting started with Dashlane

Hi Cash, you wrote " how to get Dashlane to store login credentials for a website with just the Chrome browser extension. Instead, the extension redirects me to the Dashlane application, and then I have to manually enter the website, login, and password" are you referring to Google.com or Gmail, or...
by Cash
Mon May 25, 2020 12:51 pm
Forum: Personal Consumer Issues
Topic: Getting started with Dashlane
Replies: 43
Views: 2242

Re: Getting started with Dashlane

I've been using Dashlane for about a year now and like it, primarly because my spouse and I can share an account that I keep updated with all of our passwords. The only annoyance for me is that I can't figure out how to get Dashlane to store login credentials for a website with just the Chrome brows...
by Cash
Sat May 23, 2020 9:09 pm
Forum: Investing - Theory, News & General
Topic: Where to park cash in Fidelity?
Replies: 94
Views: 9881

Re: Where to park cash in Fidelity?

Maybe I don't have as big of a stock pile of cash as some (by design), but there are exactly ZERO HYS or CD rates out there right now that are worth me lifting a finger to chase. I already feel dirty for having expended the time & energy to type this, 1.X% APY, just not worth the hassle of messing ...
by Cash
Fri May 08, 2020 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1622
Views: 226744

Re: Fidelity Baskets

Folks After reading couple things about it on BHs, i wanted to check on basket trading at Fidelity. It seems one can create a basket of stocks/ETFs/MFs and allocate percentages/dollars to them. I think what is missing is it doesn't allow fractional share trading. So if I were to buy a basket of (sa...
by Cash
Sat May 02, 2020 1:22 pm
Forum: Investing - Theory, News & General
Topic: HSA with HSA Bank/TDA ?
Replies: 11
Views: 797

Re: HSA with HSA Bank/TDA ?

^ Same for me and no fees. But different companies have different arrangements with HSA Bank.
by Cash
Sat May 02, 2020 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1622
Views: 226744

Re: Fidelity as a one stop shop

Does anyone else have seemingly random orders placed on their account? I have the CMA that maintains a $0 balance w/ automatic overdraft protection from my brokerage account. This morning I signed on and at 1:30AM there was a sell order for ~$315 of SPRXX, but I don't have any activity that should ...
by Cash
Sun Apr 26, 2020 8:05 am
Forum: Personal Investments
Topic: Which Fidelity 529?
Replies: 10
Views: 612

Re: Which Fidelity 529?

I just went with NH since that is what Fidelity was nudging me toward and they have the highest account maximum.
by Cash
Wed Apr 22, 2020 4:15 am
Forum: Personal Investments
Topic: Looking to put 100k in VFIAX
Replies: 28
Views: 2478

Re: Looking to put 100k in VFIAX

VTWAX is a better set-and-forget fund. Better than vfiax or vtsax? How come? Both. You get domestic and international in one fund, and you don’t have to worry about ever-changing recommendations about how much to hold in international. The fund holds it by market capitalization (which Vanguard reco...
by Cash
Tue Apr 21, 2020 8:33 pm
Forum: Personal Investments
Topic: Looking to put 100k in VFIAX
Replies: 28
Views: 2478

Re: Looking to put 100k in VFIAX

VTWAX is a better set-and-forget fund.
by Cash
Sun Apr 19, 2020 8:28 pm
Forum: Personal Investments
Topic: [Looking for HSA provider that offers VTSAX or VTI]
Replies: 29
Views: 1246

Re: [Looking for HSA provider that offers VTSAX or VTI]

airegin wrote:
Sun Apr 19, 2020 7:00 pm
Edit:
Are either FSKAX or FZROX (is this one completely ZERO fee??) a suitable replacement for VTSAX at Fidelity?
Yes. I use FZROX and FZILX for international.
by Cash
Sun Apr 19, 2020 3:20 pm
Forum: Personal Consumer Issues
Topic: Porting a cell phone number to google voice?
Replies: 13
Views: 920

Re: Porting a cell phone number to google voice?

I’ve found that some financial institutions won’t accept a google voice number for 2FA. But otherwise, it works fine.
by Cash
Sun Apr 19, 2020 12:08 pm
Forum: Personal Investments
Topic: [Looking for HSA provider that offers VTSAX or VTI]
Replies: 29
Views: 1246

Re: [Looking for HSA provider that offers VTSAX or VTI]

Provided thru my employer. With a 0.4% investment fee, depending on your balance it may make sense to move some of that money to fidelity periodically. There’s also no reason to add funds to the employer account beyond the premium pass-through. You can have multiple HSAs. Direct your personal contr...
by Cash
Sat Apr 18, 2020 7:52 pm
Forum: Personal Investments
Topic: [Looking for HSA provider that offers VTSAX or VTI]
Replies: 29
Views: 1246

Re: [Looking for HSA provider that offers VTSAX or VTI]

I have HealthEquity. It has all your favorite low fee Vanguard funds. Good service. But it also has an annual 0.4% investment fee drag. Vanguard should come out with their own HSA like Fidelity. These investment fees go against my bogle sensibilities. Why not move to fidelity? Provided thru my empl...
by Cash
Sat Apr 18, 2020 7:35 pm
Forum: Personal Investments
Topic: Best Hub Bank
Replies: 31
Views: 3040

Re: Best Hub Bank

I love my Fidelity CMA account. Technically it's a brokerage, but same feature set as a bank, and the default sweep the money will be transferred to/through is an FDIC insured bank, or a series of them to ensure even high dollar amounts (up to $1.25 mil) won't go over the FDIC limit at any one bank...
by Cash
Sat Apr 18, 2020 7:23 pm
Forum: Investing - Theory, News & General
Topic: Deploying your emergency fund to buy stocks? Think again.
Replies: 183
Views: 29652

Re: Deploying your emergency fund to buy stocks? Think again.

Quite glad I did not liquidate my emergency fund to buy equities. My mega corp employer just announced salary reductions (after already eliminating 2020 raises). Some employees already furloughed. More cuts could be possible. My emergency fund helps me sleep at night. I see the "cash drag" as the c...
by Cash
Tue Apr 14, 2020 8:32 pm
Forum: Personal Investments
Topic: How long for wire transfers?
Replies: 12
Views: 702

Re: How long for wire transfers?

Another data point for Fidelity wires being free and fast (and online).
by Cash
Tue Apr 14, 2020 4:01 pm
Forum: Investing - Theory, News & General
Topic: Deploying your emergency fund to buy stocks? Think again.
Replies: 183
Views: 29652

Re: Deploying your emergency fund to buy stocks? Think again.

Cash is King wrote:
Sun Mar 15, 2020 12:12 pm
Agreed. Cash is King. :D
I’ve been in high demand lately, so I missed your post. :sharebeer
by Cash
Sun Apr 12, 2020 12:33 pm
Forum: Personal Investments
Topic: All in one vs Separate fund
Replies: 60
Views: 3484

Re: All in one vs Separate fund

If you’re looking for simplicity, VT + VTEB is the combination I use in taxable.
by Cash
Sun Apr 05, 2020 1:20 pm
Forum: Personal Investments
Topic: Any high bracket investors dumping munis?
Replies: 127
Views: 9516

Re: Any high bracket investors dumping munis?

I am also looking into CDs right now. Lock in some yield while I can.
by Cash
Sun Apr 05, 2020 11:47 am
Forum: Personal Investments
Topic: Buying Individual TIPS, How Do You Do It
Replies: 5
Views: 576

Re: Buying Individual TIPS, How Do You Do It

This thread is a bit old (I had it bookmarked) but should give you a good start. You’ll want #Cruncher’s latest spreadsheet (and read anything s/he posts on the subject).

viewtopic.php?t=124218
by Cash
Sun Apr 05, 2020 11:32 am
Forum: Personal Investments
Topic: Do You Use Vanguard AND Fidelity?
Replies: 26
Views: 1697

Re: Do You Use Vanguard AND Fidelity?

I mostly adopt the “Fidelity as a one stop shop” approach. I have a Vanguard account only for automatic contributions to Vanguard funds. When Fidelity starts allowing automatic purchases of ETFs, I will probably close my Vanguard account.
by Cash
Sun Apr 05, 2020 9:11 am
Forum: Investing - Theory, News & General
Topic: What's happening with Muni Money Market fund yields?
Replies: 141
Views: 12988

Re: What's happening with Muni Money Market fund yields?

I’m thinking about putting half my cash reserves in shorter term brokered CDs at this point, even in taxable at the highest tax bracket (no state).
by Cash
Fri Mar 27, 2020 9:48 pm
Forum: Investing - Theory, News & General
Topic: Penalty-free withdrawals from 401(k)s
Replies: 39
Views: 3600

Re: Penalty-free withdrawals from 401(k)s

So you can basically withdraw $100k as if you were 59.5. Anything actionable here for people who would continue to invest the money, particularly those in high tax brackets?
by Cash
Wed Feb 26, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 427
Views: 47328

Re: My LenderFi refinance is going well

So I applied yesterday (Monday) around 2pm CST and got approval. I did choose the rate but did not get any option to lock the rate. I uploaded the initial financial items they asked for and sent a couple of messages through the online message center. I have yet to get a message, email, text otherwi...
by Cash
Tue Feb 25, 2020 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 301
Views: 46377

Re: 30 year mortgage under 3%

I thought about pulling the trigger on 2.875 with 3 points but decided to wait. I’m currently 3 years in on a 3.375 30 year, so it needs to be 3 or lower to be worth it for me. And I would drag it out to the last day.
by Cash
Mon Feb 17, 2020 8:53 pm
Forum: Personal Investments
Topic: College Savings: 529 Prepaid or Savings Plan
Replies: 16
Views: 1284

Re: College Savings: 529 Prepaid or Savings Plan

Florida prepaid is guaranteed by the state and can be transferred to another college if the child goes to one out of state. It’s very low-risk. But that also plays out in the expected return. See this thread: https://www.bogleheads.org/forum/viewtopic.php?t=207667#p3192221 In the end, we will probab...
by Cash
Thu Feb 13, 2020 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1622
Views: 226744

Re: Fidelity as a one stop shop

The credit card does have a way to log in separately: fidelityrewards.com. Set up alerts and keep enough in your checking so that you don’t have to check that often. We put almost everything on the card and get alerts for checks and electronic funds transfers. Not really a reason for me to log in th...
by Cash
Mon Feb 10, 2020 8:49 pm
Forum: Investing - Theory, News & General
Topic: Fidelity lets clients now trade fractional shares of stocks and ETFs
Replies: 180
Views: 17289

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

It was also activated in my iOS app today. Customer for about a decade.
by Cash
Sun Feb 02, 2020 8:26 am
Forum: Personal Investments
Topic: Taxable Account with Fidelity: FSKAX vs VTSAX?
Replies: 41
Views: 2709

Re: Taxable Account with Fidelity: FSKAX vs VTSAX?

I agree that you should run your own numbers. This should help. The last time I ran my numbers, FSKAX would cost me $180 per $100k more than VTSAX. I suspect your numbers are now out of date. You should run your numbers again to include 2019. Since I don’t own the fund, I’ll have to wait for the ne...
by Cash
Sun Feb 02, 2020 8:25 am
Forum: Personal Investments
Topic: Taxable Account with Fidelity: FSKAX vs VTSAX?
Replies: 41
Views: 2709

Re: Taxable Account with Fidelity: FSKAX vs VTSAX?

CaptainJ wrote:
Sun Feb 02, 2020 7:47 am
Cash, that difference of $180 per $100K: is that overall, or per tax year?
Per year, though that’s for 2018 and based on my marginal tax rate (top federal, no state). The numbers will change every year, so the best you can do is make a decision based on historical info.
by Cash
Sun Feb 02, 2020 8:23 am
Forum: Personal Investments
Topic: Taxable Account with Fidelity: FSKAX vs VTSAX?
Replies: 41
Views: 2709

Re: Taxable Account with Fidelity: FSKAX vs VTSAX?

I agree that you should run your own numbers. This should help. The last time I ran my numbers, FSKAX would cost me $180 per $100k more than VTSAX. Are there any instructions on how to use this spreadsheet? I can't seem to find either FSKAX or VTSAX anywhere among the list. Thanks! You will have to...
by Cash
Sun Feb 02, 2020 7:35 am
Forum: Personal Investments
Topic: Taxable Account with Fidelity: FSKAX vs VTSAX?
Replies: 41
Views: 2709

Re: Taxable Account with Fidelity: FSKAX vs VTSAX?

I agree that you should run your own numbers. This should help. The last time I ran my numbers, FSKAX would cost me $180 per $100k more than VTSAX.
by Cash
Sun Feb 02, 2020 7:17 am
Forum: Personal Investments
Topic: Taxable Account with Fidelity: FSKAX vs VTSAX?
Replies: 41
Views: 2709

Re: Taxable Account with Fidelity: FSKAX vs VTSAX?

I recently went through this thought process. FSKAX is very tax inefficient because of the capital gains it throws off, but I did not want to pay the fee for VTSAX. So I finally gave in and opened a Vanguard account for automatic investments in taxable (VTWAX in my case). I will still do everything ...
by Cash
Fri Jan 31, 2020 8:11 pm
Forum: Personal Investments
Topic: Conservative Portfolio: Age 37
Replies: 21
Views: 2215

Re: Conservative Portfolio: Age 37

There are lots of threads on holding bonds in taxable and you will get many opinions on the subject. It primarily comes down to your marginal tax rate, state, and the yield on munis/treasuries. I hold bonds in taxable.
by Cash
Thu Jan 30, 2020 8:58 pm
Forum: Investing - Theory, News & General
Topic: VT Total World Stock ETF and the Foreign Tax Credit Pinch Out
Replies: 48
Views: 7930

Re: VT Total World Stock ETF and the Foreign Tax Credit Pinch Out

This is unfortunate. Thanks for the information.
by Cash
Thu Jan 30, 2020 3:48 pm
Forum: Investing - Theory, News & General
Topic: Fidelity lets clients now trade fractional shares of stocks and ETFs
Replies: 180
Views: 17289

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

Excellent news. I also hope that automatic investing is next.
by Cash
Tue Jan 28, 2020 5:50 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 324085

Re: Best watch for around $5,000?

You can't even get a decent Rolex for $5K these days. The current Rolex market is broken, with supply at Rolex's asking price unable to meet demand. Popular sport models are going for 10s of thousands more than Rolex's price on the gray market. Authorized dealers are only selling those models to pe...
by Cash
Mon Jan 27, 2020 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Alliant Joint Checking?
Replies: 9
Views: 661

Re: Experience with Alliant Joint Checking?

I was an Alliant customer for ten years and my spouse and I always had separate logins for the joint accounts. But now I use Fidelity. You can open as many checking (CMA) accounts as you want without opening additional brokerage accounts.
by Cash
Thu Jan 23, 2020 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank Charging Monthly Account Maintenance Fees - GEHA HDHP
Replies: 19
Views: 1757

Re: HSA Bank Charging Monthly Account Maintenance Fees - GEHA HDHP

Are you investing within HSA Bank (either through TD Ameritrade or the other option). If so, I believe they charge this monthly fee if the cash sitting at HSA Bank falls below $5k. I just looked back over a year of transactions and was never charged a fee even though I never had more than $1k at HS...