Search found 1392 matches

by Cash
Sat May 25, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Best bassinet
Replies: 25
Views: 1270

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: 5641

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: 1501

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: 1501

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: 1501

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: 1501

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: 14955

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: 713

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: 358

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: 3841

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: 786

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: 5677

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.
by Cash
Thu Feb 14, 2019 7:17 pm
Forum: Personal Investments
Topic: Fidelity Brokerage and/or Cash Management Account?
Replies: 17
Views: 5677

Re: Fidelity Brokerage and/or Cash Management Account?

Correct. I also recently learned of the ability to lock down individual accounts to prevent outgoing transfers and will probably do that for my primary brokerage acccount.
by Cash
Tue Feb 12, 2019 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 731
Views: 77545

Re: Fidelity as a one stop shop

I got an e-mail from Fidelity about security features and saw one that I had never noticed before: Money Transfer Lockdown. It looks like you can now click a button, select one or more accounts, and prevent most outbound money transfers. The explanation screen says that it will not prevent the follo...
by Cash
Sun Feb 10, 2019 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 731
Views: 77545

Re: Fidelity as a one stop shop

Based on all the great information in this thread, I'm seriously considering moving to Fidelity. I currently rely heavily on the mobile deposit feature to deposit checks from my rental property business so I need a high mobile deposit limit. Does anyone know if the Fidelity CMA account has high mob...
by Cash
Sun Feb 10, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 731
Views: 77545

Re: Fidelity as a one stop shop

because they use a few of other banks, for Cash Management Account, can we schedule for bill pays as a bank checking account does? how many payments we can do per month from the Cash Management Account? From the end user’s perspective, you shouldn’t really notice which banks Fidelity is using for y...
by Cash
Sat Jan 26, 2019 10:36 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1036
Views: 89944

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

Account Features In response to customer feedback, we are redesigning Account Features to improve the presentation of the information that's most important to you. If you are not seeing account-specific features at this time, please go to the All Accounts view to access features that may be availab...
by Cash
Sat Jan 26, 2019 11:05 am
Forum: Personal Investments
Topic: Fidelity/BrokerageLink version of VTWSX (Total World)
Replies: 10
Views: 774

Re: Fidelity/BrokerageLink version of VTWSX (Total World)

Thanks, I hadn't thought about it, but now that you mention it, if I am maxing out my 401k at $19,000 and incur $4.95 * 26 = $128.70 in fees for biweekly contributions, that is like a 0.68% front-end load, isn't it? Since this is a 401(k), why don't you just put new funds in something free initiall...
by Cash
Wed Jan 23, 2019 6:29 pm
Forum: Personal Investments
Topic: Fidelity Money Market Funds for everyday expenses
Replies: 101
Views: 18566

Re: Fidelity Money Market Funds for everyday expenses

Then just have two brokerage accounts at Fidelity right? One for CMA overdraft, and one for other? My taxable brokerage is at Vanguard so I don't do that, but I'm pretty sure I can have as many brokerage accounts at Fidelity as I want. And I have to specify the exact accounts for overdraft coverage...
by Cash
Mon Jan 21, 2019 10:21 am
Forum: Investing - Theory, News & General
Topic: Vanguard Total World Stock (VTWAX) and All-World ex-US Small Cap Admiral Shares (VFSAX) now available (February 7)
Replies: 181
Views: 21034

Re: Vanguard Total World Stock and All-World ex-US Small Cap Admiral Shares should launch February 5

I wonder if Taylor is going to change to advocating the 2-fund portfolio now that the entire world can be had for a most minimal price? :D 33% less funds! Taylor, of course, will speak for himself, but I suspect his answer will be 'no'. That was his answer when I asked seven years ago: Taylor, migh...
by Cash
Sun Jan 20, 2019 7:51 am
Forum: Investing - Theory, News & General
Topic: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund
Replies: 58
Views: 8443

Re: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund

MisterMister wrote:
Mon Jan 14, 2019 8:32 am
Right now Vanguard Admiral funds cannot be held at Fidelity, for example.
That’s no longer true.
by Cash
Sun Jan 20, 2019 7:47 am
Forum: Investing - Theory, News & General
Topic: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund
Replies: 58
Views: 8443

Re: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund

I don’t think anyone on here can envision Vanguard raising the ER on a broad market index fund. I also don’t think anyone on here would be surprised if Fidelity did so. Vanguard has certainly done so before. Following the 2008 financial crisis. But it’s more accurate to say that ERs went up rather ...
by Cash
Thu Jan 17, 2019 8:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total World Stock (VTWAX) and All-World ex-US Small Cap Admiral Shares (VFSAX) now available (February 7)
Replies: 181
Views: 21034

Re: Vanguard Total World Stock and All-World ex-US Small Cap Admiral Shares should launch February 5

Thanks for the update! Interesting observation about the ER differences between the ETF and the admiral class.
by Cash
Thu Jan 17, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity app now has fingerprint login
Replies: 24
Views: 1810

Re: Fidelity app now has fingerprint login

Wouldn’t the app’s ability to utilize the iPhone’s biometric security give it the edge over a desktop computer?
by Cash
Wed Jan 16, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity app now has fingerprint login
Replies: 24
Views: 1810

Re: Fidelity app now has fingerprint login

Yeah the Fidelity iPhone app has had faceID and touchID support forever.
by Cash
Thu Jan 10, 2019 1:37 pm
Forum: Personal Investments
Topic: Has anyone with HSAs with HSABank tried rolling over to Fidelity?
Replies: 24
Views: 2879

Re: Has anyone with HSAs with HSABank tried rolling over to Fidelity?

For those who have done a direct rollover from TD Ameritrade, was your TD account closed? If so, did that affect anything with the HSA Bank account where the premium pass-through contributions are deposited? Update: My transfer from TD to Fidelity was completed yesterday. I left a couple hundred at...
by Cash
Wed Jan 09, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 731
Views: 77545

Re: Fidelity as a one stop shop

Which card? I use the credit card with Apple Pay with no problems.

For security, sign up for two factor authentication with the VIP Access soft token.
by Cash
Sat Jan 05, 2019 7:30 am
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 150
Views: 32710

Re: So someone drained $13k from my checking account...

Yeah my bill pay doesn’t use my account number. I have verified this with the images of the canceled checks.
by Cash
Fri Jan 04, 2019 9:10 pm
Forum: Personal Investments
Topic: Consolidate to Fidelity?
Replies: 50
Views: 3325

Re: Consolidate to Fidelity?

Correct. Full authority still requires me to use my wife’s login to transfer into and between her IRAs. I can do all trading in those accounts from my login.
by Cash
Fri Jan 04, 2019 8:07 am
Forum: Personal Investments
Topic: Consolidate to Fidelity?
Replies: 50
Views: 3325

Re: Consolidate to Fidelity?

As noted, where your workplace account is should not impact your decision. Fidelity will show your balance in your retail accounts, but you will have to click through to NetBenefits, many clicks, to see actual workplace transactions. IMO, Fidelity NetBenefits is awful. Yesterday we initiated our an...
by Cash
Wed Jan 02, 2019 7:08 pm
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 160
Views: 8529

Re: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?

How are you able to buy an ETF with 2019 IRA funds on the first trading day? Best I can seem to find involves transferring money into a settlement fund for a purchase at a later date. My checking account is at my brokerage (Fidelity), so all cash/money market transfers are conducted in house and av...
by Cash
Tue Jan 01, 2019 9:17 pm
Forum: Investing - Theory, News & General
Topic: Different times for cash to settle at fidelity?
Replies: 10
Views: 657

Re: Different times for cash to settle at fidelity?

Is your account margin and your wife’s cash? Are you logging into your wife’s account to make the transfer? My wife and I have things set up such that we each have trading authority for the other from our own logins. But that does not extend to things like cash transfers. I think this is the typica...
by Cash
Tue Jan 01, 2019 6:54 pm
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 160
Views: 8529

Re: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?

Just transferred from my Fidelity CMA to my Fidelity Traditional IRA, then converted to my Fidelity Roth IRA and entered an order for $6k FZILX to be purchased tomorrow. Done.
by Cash
Mon Dec 31, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Can you have an HSA and FSA?
Replies: 20
Views: 867

Re: Can you have an HSA and FSA?

stimulacra wrote:
Mon Dec 31, 2018 9:35 am
Short answer is no.

Under some circumstances you can have both an HSA and a limited purpose FSA (vision and dental only). Your HR rep can provide more details.
Or dependent care FSA
by Cash
Sun Dec 30, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Best online banking accounts?
Replies: 53
Views: 6585

Re: Best online banking accounts?

ER is already factored into the yield.
by Cash
Fri Dec 28, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: Investing in Vanguard funds via Fidelity
Replies: 30
Views: 6059

Re: Investing in Vanguard funds via Fidelity

Looks like I can enter VTSAX (total market) and VMMXX (prime MM) in the trade ticket at Fidelity now, both show $2,500 minimums (which might be a mistake). I haven't clicked the buy button to see what fees Fidelity will try to add. Entering VMFXX (gov MM) still returns the "this is an advisor fund ...
by Cash
Thu Dec 27, 2018 11:10 pm
Forum: Personal Investments
Topic: Fidelity Money Market Funds for everyday expenses
Replies: 101
Views: 18566

Re: Fidelity Money Market Funds for everyday expenses

I’m doing the same thing with FZEXX. $100k to buy, but you don’t be have to keep it at that level subsequently.
by Cash
Tue Dec 25, 2018 9:39 pm
Forum: Personal Investments
Topic: CityVest investment
Replies: 8
Views: 1016

Re: City vest investment

For what it’s worth, White Coat Investor is peddling this, even though he admits in the comments that he is not investing in the fund:

https://www.whitecoatinvestor.com/cityv ... al-estate/
by Cash
Thu Dec 20, 2018 9:22 pm
Forum: Personal Investments
Topic: Stick with Fidelity or open Vanguard account?
Replies: 34
Views: 1750

Re: Stick with Fidelity or open Vanguard account?

Just be aware that for a taxable account, Fidelity broad equity index funds (such as total stock and 500 index) have distributed capital gains in their index funds each of the last several years; Vanguard has not, due to their patented ETF share class. This entails real costs of capital gains taxes...
by Cash
Thu Dec 20, 2018 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 731
Views: 77545

Re: Fidelity as a one stop shop

There's absolutely no reason to want banking and investment in the same place. I find it interesting that people are willing to endure a significant financial cost for the illusion of simplification. What "significant" cost are you talking about in the OP's case? Maybe I missed it. [OT comment remo...
by Cash
Thu Dec 20, 2018 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 731
Views: 77545

Re: Fidelity as a one stop shop

What kind of insurance or fraud protection is enabled on these accounts? (obviously not FDIC but that's not what I am worried about, see example below) Let's say I have a few thousand to cover expenses in SPRXX and another 40k in FSKAX. If someone starts cashing fake checks or doing funny business ...
by Cash
Wed Dec 19, 2018 5:46 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 731
Views: 77545

Re: Fidelity as a one stop shop

Alliant offers free overdraft protection via transfer from savings. Same thing as the whole fiedlity cma thing but with ncua insurance But do they have an integrated brokerage to hold your investments, and a 2% cashback credit card, to make it a "one stop shop" for all your finance needs ? they hav...
by Cash
Mon Dec 17, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Best online banking accounts?
Replies: 53
Views: 6585

Re: Best online banking accounts?

Whether you find Zelle useful or not, I bring it up as an example of consumer banking features that are unlikely to be made available on a brokerage account. Wells Fargo now has a 'cardless' ATM option, so you can get a code from your phone to use the ATM without your physical ATM card. Many banks ...
by Cash
Mon Dec 17, 2018 9:09 pm
Forum: Personal Investments
Topic: Fidelity Money Market Funds for everyday expenses
Replies: 101
Views: 18566

Re: Fidelity Money Market Funds for everyday expenses

?For those of you who use it as your direct deposit account for paychecks, how quickly are the funds available to you? What I appreciate about the credit union is how quickly cash transfers in and out. When I transfer money into CMA at Fido, it takes much longer for the cash to settle. But I would ...
by Cash
Mon Dec 17, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 731
Views: 77545

Re: Fidelity as a one stop shop

Another reason for the separate brokerage account is to place a limit on the amount that can be “overdrafted” by the CMA.
by Cash
Sun Dec 16, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: When cash is riskier than bonds
Replies: 58
Views: 6639

Re: When cash is riskier than bonds

willthrill81 wrote:
Sat Dec 15, 2018 7:43 pm
For those that can handle the volatility, dialing up one's allocation to stocks may be better than taking on the risks of longer term bonds.
Has this been researched? I like the idea of having a cash floor of, say, 10-25% of my portfolio and letting the rest ride in stocks.
by Cash
Sun Dec 16, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Moving from Schwab to another bank
Replies: 36
Views: 1884

Re: Moving from Schwab to another bank

If there is a TD Bank near you and you don’t mind keeping $2500 there, they will reimburse ATM fees worldwide and there is no foreign transaction fee. Plus they are open every day and have late hours. https://www.td.com/us/en/personal-banking/checking-accounts/premier/ https://www.td.com/us/en/perso...