Search found 1430 matches

by Cash
Tue Oct 15, 2019 5:39 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 83
Views: 7736

Re: Fidelity to $0 Commissions

Schwab has on their webpage that they offer higher MMA rates than Fidelity and Chase You Invest. Could be meaningful for people who have large cash positions. Overall, Fidelity is better because it is automatically moved. I use FZDXX at Fidelity which has a higher yield than what Schwab is offering...
by Cash
Mon Oct 14, 2019 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 46
Views: 2731

Re: FEHB Open Season 2019

If your payroll is processed by the USDA, then you can direct pre-tax HSA contributions to the HSA of your choice. The pass-through contributions will still go to HSA Bank. I don’t know about other payroll processors.
by Cash
Mon Oct 14, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 46
Views: 2731

Re: FEHB Open Season 2019

Yeah I opened a Fidelity HSA for my personal contributions, but probably would have just left everything at HSA Bank/TDA if TDA had been offering $0 commissions at the time.
by Cash
Sun Oct 13, 2019 8:12 pm
Forum: Personal Investments
Topic: Does Fidelity have a performance view?
Replies: 22
Views: 1424

Re: Does Fidelity have a performance view?

Thanks for those who pointed out this feature. Very handy. Like the poster above, I do not see the view for an old 401(k), but everything else shows up.
by Cash
Thu Oct 10, 2019 2:39 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 14990

Re: How many are switching from Fidelity?

This is now officially the most hilarious thread ever to occur on this forum. What does it say about people who couldn't even wait a week to see what Fidelity was going to do. I think it says that this forum is no longer just a Bogleheads forum for passive low cost buy and hold investors. Jack must...
by Cash
Thu Oct 10, 2019 10:35 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 83
Views: 7736

Re: Fidelity to $0 Commissions

Here is the press release. Interesting how they emphasize that they do not sell order flow:

https://www.fidelity.com/bin-public/060 ... 101019.pdf
by Cash
Thu Oct 10, 2019 9:41 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 83
Views: 7736

Re: Fidelity to $0 Commissions

1. Principle. If you believe strongly enough in Vanguard being the proximate cause of the cost of investing dropping enough to give them your business as a result, rather than take advantage of that effect elsewhere, then you'll probably stay at VG. Just use their ETFs elsewhere. I don’t see how th...
by Cash
Thu Oct 10, 2019 9:39 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 83
Views: 7736

Re: Fidelity to $0 Commissions

I'm curious -- how many Fidelity customers here are planning to switch from Fidelity TSM ETFs/MFs into VTI now? I was one of those who traded all of my SPTM in my TDA HSA for VTI :D but don't know if I'll do the same in Fidelity... I’ll probably keep the zero funds in my tax-advantaged accounts but...
by Cash
Thu Oct 10, 2019 7:05 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 83
Views: 7736

Re: Fidelity to $0 Commissions

The interesting part is "The Boston-based firm, the largest online brokerage with almost 22 million accounts, boasts in a new ad that retail customers will earn 1.58 percent on their cash balances automatically swept into a money-market fund, based on yields as of Oct. 8. That tops rates at rivals,...
by Cash
Thu Oct 10, 2019 7:04 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 83
Views: 7736

Re: Fidelity to $0 Commissions

I guess this means we can quit posting in that other thread that asks when we will be moving our accounts out of Fidelity because of the commissions. We’ll just have to start a new thread where people who had free trades at Fidelity complain about how they aren’t special anymore now that everyone h...
by Cash
Thu Oct 10, 2019 5:16 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 83
Views: 7736

Fidelity to $0 Commissions

I thought this deserved its own thread like the others: Fidelity follows suit and eliminates trading commissions. https://www.wsj.com/articles/fidelity-is-latest-to-cut-online-trading-commissions-to-zero-11570680060 I don't really see any announcement on Fidelity's site about it but if I queue up a ...
by Cash
Thu Oct 10, 2019 5:10 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1093
Views: 128578

Re: Fidelity as a one stop shop

As mentioned in the leaving Fidelity thread, Fidelity has now joined the no-commission crowd:

https://www.bostonglobe.com/business/20 ... story.html
by Cash
Thu Oct 10, 2019 5:09 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1093
Views: 128578

Re: Fidelity as a one stop shop

Data point: I initiated an EFT pull from an outside bank at 9:15pm last night and the money is currently sitting in my account available to use (as of at least 5:45am EDT). Amazing.
by Cash
Thu Oct 10, 2019 5:04 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 14990

Re: How many are switching from Fidelity?

Fidelity follows suit and eliminates trading commissions. https://www.wsj.com/articles/fidelity-is-latest-to-cut-online-trading-commissions-to-zero-11570680060 I don't really see any announcement on Fidelity's site about it but if I queue up a market order for tomorrow I see a $0 estimated commissi...
by Cash
Wed Oct 09, 2019 8:32 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 14990

Re: How many are switching from Fidelity?

I just chatted and got 15 free trades. That’s enough to allow me to see how this saga unfolds over the next several months.
by Cash
Tue Oct 08, 2019 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 46
Views: 2731

Re: FEHB Open Season 2019

FYI for those in Florida who use GEHA, I received notice that GEHA is changing their provider network in Florida from Aetna Signature Administrators to UnitedHealthcare Choice Plus. Supposedly their website will update this month to reflect providers for the new network.
by Cash
Tue Oct 08, 2019 2:20 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 14990

Re: How many are switching from Fidelity?

lassevirensghost wrote:
Tue Oct 08, 2019 10:21 am
I should have been clearer. For non-Fidelity or iShares ETFs, is there a charge on both sides—buying and selling? That's all I wondered because I have only ever bought, not sold.
Yes
by Cash
Sun Oct 06, 2019 9:50 am
Forum: Investing - Theory, News & General
Topic: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades
Replies: 49
Views: 5024

Re: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades

How integrated is the TD brokerage with the TD checking/banking products?
by Cash
Sun Oct 06, 2019 8:21 am
Forum: Personal Investments
Topic: All in on VT?
Replies: 30
Views: 4467

Re: All in on VT?

Are there any other low cost alternatives to VT (from Fidelity, Schwab, iShares, etc.)? I'm searching, but not seeing any other total world funds outside Vanguard. The only close alternative is SPDR Portfolio MSCI Global Stk Mkt ETF (SPGM). The other ETFs are more expensive. Yeah ACWI is the iShare...
by Cash
Sun Oct 06, 2019 6:30 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 14990

Re: How many are switching from Fidelity?

I love Fidelity, but they need to match this. They aren’t so different that I’m willing to pay more to stay. Schwab is basically the same. Higher rates on the sweep account don’t mean much to me bc I keep all cash invested or in FZEXX.
by Cash
Mon Sep 16, 2019 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 109
Views: 7191

Re: BofA ShopSafe going away

Alternatively, I've found Token (phone app only). Already switched my Shopsafe cards over to this and it was easy and quick to get up and running. It also just piggybacks off one of your credit cards, so you don't have to compromise your entire banking account privacy and you can control the spendi...
by Cash
Sun Sep 15, 2019 6:49 am
Forum: Personal Finance (Not Investing)
Topic: DIY nanny payroll
Replies: 11
Views: 1047

Re: DIY nanny payroll

I thought long and hard about the DIY route, but ultimately went with Nannychex. It’s nice to farm all of that stuff out and have documentation that everything is being done correctly on your end. The nanny likes the direct deposit, and she deals with them regarding that and withholding.
by Cash
Wed Sep 11, 2019 5:00 pm
Forum: Personal Investments
Topic: Direct deposit/transfer to directly to fund at Vanguard
Replies: 5
Views: 600

Re: Direct deposit/transfer to directly to fund at Vanguard

He is asking about direct deposit, not a transfer. Like a payroll deposit. Mine goes into the settlement fund then I I transfer from there. Yes, that’s correct. Years ago, I would direct a portion of my paycheck to go directly to a Vanguard mutual fund. But I no longer have an account so don’t know...
by Cash
Wed Sep 11, 2019 6:47 am
Forum: Personal Investments
Topic: Direct deposit/transfer to directly to fund at Vanguard
Replies: 5
Views: 600

Direct deposit/transfer to directly to fund at Vanguard

I know that one used to be able to send money directly for deposit into a Vanguard mutual fund because each mutual fund position had its own account number. Is that still the case, or would I need to deposit into a general brokerage account first and then purchase the mutual fund?
by Cash
Sun Sep 01, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1093
Views: 128578

Re: Fidelity as a one stop shop

Does anyone know how long it takes for them to lift your mobile check deposit limit? How much money and/or how much time? Any datapoints would be appreciated. I don't know if it is time based. As an example, my SmartCash account which I have had with them for a long time still has a limit of 10K, b...
by Cash
Fri Aug 30, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1093
Views: 128578

Re: Fidelity as a one stop shop

I have the need to give a relative some money on a regular basis. I tried the bluebird card, but there are no atm fee free atms nearby. I was wondering if I could setup another cma account and fund it and give him the atm card. I use my current cma account, but the brokerage account has zero dollar...
by Cash
Fri Aug 30, 2019 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1093
Views: 128578

Re: Fidelity as a one stop shop

While I don't use Fidelity as a one-stop-shop (so not entirely on topic), I would add here that I recently discovered if I initiate an ACH transfer at Fidelity early in the morning the funds arrive at my B&M bank later that same day. [If the transfer is initiated mid or later in the day it arrives ...
by Cash
Sat Aug 17, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Survivor Annuity
Replies: 6
Views: 563

Re: Survivor Annuity

My new job offers a survivor annuity, but I have to opt in within 6 months of starting or be forever foreclosed. For 2.2% of my salary, it offers my spouse an annuity equal to 25% of my salary and my child (under 22) an annuity equal to 10% of my salary if I die. They would also be able to continue...
by Cash
Fri Aug 16, 2019 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Survivor Annuity
Replies: 6
Views: 563

Re: Survivor Annuity

No cash value if I leave. It just gets paid out upon my death as an annuity to my spouse or my child if under age 22, or a lump sum to my child if over age 22.

Health insurance is of little value as long as my spouse continues to work.
by Cash
Thu Aug 15, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Survivor Annuity
Replies: 6
Views: 563

Survivor Annuity

My new job offers a survivor annuity, but I have to opt in within 6 months of starting or be forever foreclosed. For 2.2% of my salary, it offers my spouse an annuity equal to 25% of my salary and my child (under 22) an annuity equal to 10% of my salary if I die. They would also be able to continue ...
by Cash
Mon Jul 29, 2019 9:18 pm
Forum: Investing - Theory, News & General
Topic: Come over to the Liability Matchng portfolio side: the water is fine
Replies: 170
Views: 11040

Re: Come over to the Liability Matchng portfolio side: the water is fine

OP, I call ours a “quasi” LMP, but I think it’s close enough. To me, the greatest benefit is that I no longer obsess, or even think about, how much we have in our risk portfolio. I don’t know the ratio between safe and risk. I don’t care. We have enough. All new money goes to either our expenses or...
by Cash
Wed Jul 17, 2019 8:23 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Expands Their Index Fund Lineup
Replies: 70
Views: 9444

Re: Fidelity Expands Their Index Fund Lineup

Fidelity Municipal Bond Index Fund FMBIX .07% is the one that interests me. Ok, I'll bite. Why would one choose it over MUB which is also 0.07% ER? I went ahead and placed a $1k order just to get my feet wet. Easier to put all of my extra cash in a mutual fund. Just buy a dollar amount rather than ...
by Cash
Wed Jul 17, 2019 8:06 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Expands Their Index Fund Lineup
Replies: 70
Views: 9444

Re: Fidelity Expands Their Index Fund Lineup

Fidelity Municipal Bond Index Fund FMBIX .07% is the one that interests me. Ok, I'll bite. Why would one choose it over MUB which is also 0.07% ER? I went ahead and placed a $1k order just to get my feet wet. Easier to put all of my extra cash in a mutual fund. Just buy a dollar amount rather than ...
by Cash
Wed Jul 17, 2019 2:51 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Expands Their Index Fund Lineup
Replies: 70
Views: 9444

Re: Fidelity Expands Their Index Fund Lineup

corn18 wrote:
Tue Jul 16, 2019 8:17 am
Awesome sauce! Will watch the muni fund and probably move my FTABX over to that in my taxable account.
+1 but I want more info on AMT implications
by Cash
Thu Jul 11, 2019 8:31 pm
Forum: Personal Investments
Topic: Analysis Paralysis: How to Invest Windfall + Extra Cash?
Replies: 7
Views: 1204

Re: Analysis Paralysis: How to Invest Windfall + Extra Cash?

Pay off the highest rate mortgage. Keep the rest of the cash in taxable and call it your “bond” allocation (that can also double as an emergency/slush fund). That’s what we do. Though I’m not sure why you’re not using a muni fund.
by Cash
Mon Jun 24, 2019 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Which Fed Employee Health Insurance Plan?
Replies: 39
Views: 2718

Re: Which Fed Employee Health Insurance Plan?

GEHA HDHP. Includes annual physicals, annual eye exams, and semiannual dental cleanings. Puts money directly into an HSA, plus you can top it off with your own pretax money through payroll deductions.
by Cash
Sun Jun 23, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: How high of a Hurricane Deductible in FL? And is all Flood Insurance created the same?
Replies: 27
Views: 1997

Re: How high of a Hurricane Deductible in FL? And is all Flood Insurance created the same?

Florida has a weird insurance market. We went with St. Johns Insurance Company. I had never heard of them until my independent agent recommended them.
by Cash
Sun Jun 23, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Additional inspections other than general inspection for new construction home in Orange County, FL area?
Replies: 31
Views: 1624

Re: Additional inspections other than general inspection for new construction home in Orange County, FL area?

Anyone else here in the Orlando area in zone X carry Flood Insurance? If so, how do you justify it? Trying to keep an open mind and understand both sides. Flooding from bodies of water isn't the only type of flooding. Orlando frequently gets severe thunderstorms with large, fast downpours. That mea...
by Cash
Sat May 25, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Best bassinet
Replies: 25
Views: 1431

Re: Best bassinet

We got the bassinest, but the baby didn't like it and only used it for a week before we just put him in the crib. Fortunately, we bought it used. Now I need to sell it. As a first-time parent, you're going to buy lots of stuff that you're told babies love, but will turn out that your baby hates. The...
by Cash
Tue May 07, 2019 5:49 am
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 77
Views: 6137

Re: Anybody try the Blue Apron or the like?

We've been using Blue Apron religiously for about 5 years now. Don't know what we would eat 3 days a week without it. We've seen it go through many iterations, and I think it's currently better than it has ever been, allowing for unfettered customization. We even signed up for the monthly wine shipm...
by Cash
Thu May 02, 2019 6:46 am
Forum: Personal Investments
Topic: Early Retirement + TIPS + Pension
Replies: 7
Views: 1587

Re: Early Retirement + TIPS + Pension

Looking at the WSJ page of the spreadsheet, I don't see rows for the February 2047 and 2049 issues. I noticed a problem when pasting from the WSJ TIPS Quotes webpage onto the WSJ sheet of my Ladder Builder spreadsheet. If there are too many TIPS to fit within the range I've defined on that sheet, o...
by Cash
Sun Apr 28, 2019 4:53 pm
Forum: Personal Investments
Topic: Early Retirement + TIPS + Pension
Replies: 7
Views: 1587

Re: Early Retirement + TIPS + Pension

1. According to #Cruncher's TIPS spreadsheet, we could purchase TIPS that yield $100k/year from ages 50-65 for $1,410,406. I don't know exactly how you construct the ladder or how you get that cost, Cash. When I plug in the WSJ TIPS Quotes 4/26/2019 [1] into my Ladder Builder spreadsheet, I get a c...
by Cash
Sun Apr 28, 2019 8:39 am
Forum: Personal Investments
Topic: Early Retirement + TIPS + Pension
Replies: 7
Views: 1587

Re: Early Retirement + TIPS + Pension

The $100k takes into account reductions for early retirement. I will have to check, but I believe that COLAs will continue from 50-65.
by Cash
Sun Apr 28, 2019 6:26 am
Forum: Personal Investments
Topic: Early Retirement + TIPS + Pension
Replies: 7
Views: 1587

Early Retirement + TIPS + Pension

I recently accepted a job with a generous pension. For this thread, let's assume the pension is as stable as it gets and will pay out as planned. The kicker is that it won't do so until age 65. Also assume the following numbers: Annual expenses: $100k Pension at age 65: $100k Yearly savings: $100k C...
by Cash
Mon Apr 01, 2019 8:15 pm
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 86
Views: 15338

Re: Would you buy Total World index if it had Admiral Shares

Mark my words a few years hence: Total World is the next logical extension of the Boglehead philosophy. This comment has aged very well! I'm curious - Has the introduction of VTWAX at 0.10% and the lowering of VT to 0.09% changed anything for you almost 6 years later? Nope, the ETF is still my sing...
by Cash
Sun Mar 31, 2019 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth: Fidelity vs Vanguard Waiting Period After IRA Contribution Before Allowing Conversion
Replies: 11
Views: 816

Re: Backdoor Roth: Fidelity vs Vanguard Waiting Period After IRA Contribution Before Allowing Conversion

I was able to convert immediately after funding at Fidelity. The whole process took only a couple of minutes. But I funded from my Fidelity CMA. Yet another benefit of consolidation.
by Cash
Mon Mar 25, 2019 8:13 pm
Forum: Personal Consumer Issues
Topic: iphone photography sites/blogs?
Replies: 3
Views: 397

Re: iphone photography sites/blogs?

Look at Austin Mann on Instagram. He has a course available now:

http://austinmann.com/
by Cash
Sun Mar 17, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: Calling Volvo and Audi owners! Reliabilty questions
Replies: 61
Views: 4330

Re: Calling Volvo and Audi owners! Reliabilty questions

I have a 2013 Audi A6 3.0T. No issues so far aside from routine maintenance.
by Cash
Sun Mar 17, 2019 3:14 pm
Forum: Personal Investments
Topic: HSA Bank and Trustee to Trustee Fee question for FEHB
Replies: 9
Views: 918

Re: HSA Bank and Trustee to Trustee Fee question for FEHB

resurrecting this thread in hopes OP can share what they ended up deciding. I like GEHA but not too thrilled with HSA/Ameritrade. Wondering how MHBP is working out for anyone who switched. Many of us are using the new Fidelity HSA to house HSA funds and for payroll deposits (pass-through contributi...
by Cash
Fri Feb 15, 2019 1:37 pm
Forum: Personal Investments
Topic: Fidelity Brokerage and/or Cash Management Account?
Replies: 17
Views: 6398

Re: Fidelity Brokerage and/or Cash Management Account?

Correct, but you can unlock it easily online. Plus, I don’t transfer out of the brokerage account very often. Alternatively, perhaps have a second brokerage account for transferring funds to the CMA.