Search found 1348 matches

by Cash
Mon Dec 17, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Best online banking accounts?
Replies: 40
Views: 4061

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: Investing - Help with Personal Investments
Topic: Fidelity Money Market Funds for everyday expenses
Replies: 90
Views: 13947

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: 47
Views: 3815

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: 56
Views: 5307

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: 1783

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...
by Cash
Sun Dec 16, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 47
Views: 3815

Re: Fidelity as a one stop shop

I am thinking of moving my Roth (currently at Vanguard), Charles Schwab checking and Ally saving all to Fidelity to simplify my life. My 3 questions are: 1- How to do such setup in Fido to maintain the same privileges as Charles and Ally? In other words how to have an alternative to checking with a...
by Cash
Sun Dec 16, 2018 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Money Market Funds for everyday expenses
Replies: 90
Views: 13947

Re: Fidelity Money Market Funds for everyday expenses

While it is very convenient to have this automatic overdraft ploy available, don't you worry that it makes it so much easier for someone to drain your account? Or is this a far-fetched scenario? I've been keeping checking at a separate institution (with no overdraft protection) for years and tellin...
by Cash
Fri Dec 14, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: Investing in Vanguard funds via Fidelity
Replies: 23
Views: 4211

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 13, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone with HSAs with HSABank tried rolling over to Fidelity?
Replies: 14
Views: 1159

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?
by Cash
Sun Dec 09, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 716
Views: 50597

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

Has anyone done a direct transfer of the assets in their HSA Bank-linked TD Ameritrade account, but kept the HSA Bank account open for employer pass-through contributions? I just want to make sure there won't be any issues receiving my employer contributions in the HSA Bank account if I transfer all...
by Cash
Tue Dec 04, 2018 6:04 am
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Fidelity for checking account + Passive Investment
Replies: 14
Views: 1065

Re: Schwab vs Fidelity for checking account + Passive Investment

I’m not sure what customer service issues people have had with Fidelity. They have always quickly answered whatever questions I’ve had. Your choice is basically a wash. However, Fidelity recently eliminated all account maintenance fees, including for wire transfers, so that might give them the edge ...
by Cash
Sun Dec 02, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Money Market Funds for everyday expenses
Replies: 90
Views: 13947

Re: Fidelity Money Market Funds for everyday expenses

While it is very convenient to have this automatic overdraft ploy available, don't you worry that it makes it so much easier for someone to drain your account? Or is this a far-fetched scenario? I've been keeping checking at a separate institution (with no overdraft protection) for years and tellin...
by Cash
Sun Dec 02, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Hiring a Nanny
Replies: 13
Views: 1408

Re: Hiring a Nanny

I have a full time nanny, happy to answer any questions. 1. No deduction for nanny wages. Can use dependent care FSA for a little bit. 2. No benefit to hours above/below 40, but you do pay time and a half over 40 hours. 3. You’ll need to buy a workers comp policy. We use a payroll service, they han...
by Cash
Sat Dec 01, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring a Nanny
Replies: 13
Views: 1408

Re: Hiring a Nanny

I believe that there is also a way to deduct health insurance paid for them, but it’s rather complicated.
by Cash
Sat Dec 01, 2018 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Money Market Funds for everyday expenses
Replies: 90
Views: 13947

Re: Fidelity Money Market Funds for everyday expenses

I use FTEXX (Fidelity Municipal Money Market Fund), which currently has a tax-equivalent yield of 2.24% for me. But I live in a state without income taxes.
by Cash
Thu Nov 29, 2018 7:01 am
Forum: Personal Consumer Issues
Topic: $25k -18 days Galapagos & Machu Picchu Trek (family of 4).
Replies: 32
Views: 3395

Re: $25k -18 days Galapagos & Machu Picchu Trek (family of 4).

I can’t believe people are recommending that you skip Machu Piccu. One of the most breathtaking places I’ve ever been (2013). Crowded, yes, but still worth it. Get tix to climb Huayna Picchu.
by Cash
Tue Nov 27, 2018 8:54 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 716
Views: 50597

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

I'm pretty sure HSA Bank does charge a transfer fee for trustee to trustee transfers, so you'll probably want to do indirect transfers to Fideility by withdrawing from HSA into your checking account just like you would to reimburse yourself for medical expenses, then deposit that amount into your F...
by Cash
Thu Nov 22, 2018 7:26 am
Forum: Investing - Theory, News & General
Topic: Will VTWSX expense ratio go down in the future
Replies: 12
Views: 2095

Re: Will VTWSX expense ratio go down in the future

Yes, this is great news that is also now buried in that other thread about VG lowering the admiral minimum. Hopefully this thread will stay separate for those (like me) who don’t care about the new $3k minimum, but do care about the new Total World admiral share class.
by Cash
Fri Nov 16, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: FEHB HDHP options for Federal Employees
Replies: 28
Views: 2507

Re: FEHB HDHP options for Federal Employees

My payroll is processed by the NFC. Their interface appears to allow me to make HSA payroll deductions to any valid HSA account. Looks like I’ll be parking cash at HSABank, and auto-investing at Fidelity! Interesting, I hadn't thought about doing that. That said, is it really that big of a deal to ...
by Cash
Fri Nov 09, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA Transfers
Replies: 7
Views: 620

Re: Fidelity CMA Transfers

Use the cash manager tool. I have automatic transfers set up from my CMA to both my brokerage account and external savings accounts.
by Cash
Sat Nov 03, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Fastest ACH transfers?
Replies: 8
Views: 1479

Re: Fastest ACH transfers?

Lots of banks offer next day ACH. However, there are differences in cutoff times. For instance, it’s 4pm Eastern with Fidelity, but noon Central with Alliant. For what it’s worth, Fidelity also offers free wire transfers, which occur same day.
by Cash
Tue Oct 30, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Question re: HSA for federal employees and FSA carryover
Replies: 15
Views: 908

Re: Question re: HSA for federal employees and FSA carryover

+1 for GEHA HDHP. Note that it includes routine dental and eye examinations.
by Cash
Sun Oct 28, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Experience with Uber?
Replies: 7
Views: 909

Re: Experience with Uber?

There was a recent NYT article on this very situation:

https://nyti.ms/2Qgiyug?smid=nytcore-ios-share
by Cash
Sun Oct 21, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Should we downgrade our house?
Replies: 43
Views: 3987

Re: Should we downgrade our house?

highly desirable county 15 mins from Atlanta city limit. That sounds like your problem. Where were you specifically? The recommendations given have been for Atlanta proper or Decatur, both of which are progressive areas. - Not really a culturally rich city beyond the civil rights specific museums e...
by Cash
Sun Oct 21, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30618

Re: High End Wrist Watches (Gone Crazy)

but the casebacks were solid metal, so you can’t see any of the internal mechanisms, which to me is the whole point of these non-quartz watches. Rolexes are traditionally designed to be tool watches. You don’t want to have to worry about that display back when climbing Mt. Everest! In practice, Rol...
by Cash
Fri Oct 19, 2018 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual funds or ETFs in taxable accounts?
Replies: 12
Views: 1166

Re: Mutual funds or ETFs in taxable accounts?

Mutual funds are nice for setting and forgetting, but not all mutual funds can be traded at all brokerages, and I might want to switch brokerages some day without incurring capital gains taxes, so I use ETFs.
by Cash
Fri Oct 19, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: How important is registered mail for important documents?
Replies: 28
Views: 1647

Re: How important is registered mail for important documents?

I've only used registered mail when sending something expensive. Registered mail provides a "chain of custody" (in legal speak) for each leg of the journey as well as insurance. So it significantly decreases the (already low) odds of the item being stolen and not recovered.
by Cash
Fri Oct 19, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Selling to CarMax if maintenance light is on?
Replies: 33
Views: 3050

Re: Selling to CarMax if maintenance lights on?

I sold a car to CarMax once with the check engine light on. It needed a new oxygen sensor. The price they quoted me was still higher than the trade-in value from the dealer. By my estimate, they just docked me the approximate cost to replace the sensor.
by Cash
Fri Oct 19, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30618

Re: High End Wrist Watches (Gone Crazy)

I'm curious if people who love watches are more interested in moving towards Garmin or Apple or other watch manufacturers that make fitness/GPS/marine/airplane/etc watches. I wear my nice watches to work, but admittedly, I do wear my Apple watch most of the time I'm at home and on the weekends. It ...
by Cash
Thu Oct 18, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30618

Re: High End Wrist Watches (Gone Crazy)

corn18 wrote:
Wed Oct 17, 2018 8:54 pm
If I had to rebuy one watch it would be the A. Lange Sohne.
Agreed. I sold a Datograph a while back. I'd probably buy that one again. In the meantime, I mostly wear my JLC Reverso Rouge and Apple Watch. One day, I'd love to own a salmon dial PP 5270P.
by Cash
Wed Oct 17, 2018 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: New to HSAs need help - HSA Bank (TD Ameritrade) + Cigna
Replies: 11
Views: 616

Re: New to HSAs need help - HSA Bank (TD Ameritrade) + Cigna

Are you sure that there is a fee for using HSA Bank through your insurer? There is if you establish an account directly through HSA Bank, but for instance, there are no fees associated with my HSA Bank account through my insurer. So I usually transfer all but $100 of contributions from HSA Bank to T...
by Cash
Mon Oct 08, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 7126

Re: Got my new Iphone Xs

FelixTheCat wrote:
Mon Oct 08, 2018 2:40 pm
Am I the only one that doesn't want the new iPhone because of the notch at the top?
Nah, that was last year's chief complaint that no longer bothers anyone who actually has the phone. That and the loss of the home button. I'm so glad the home button is gone.
by Cash
Thu Oct 04, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 4127

Re: Black suit with dark brown shoes?

No way for black tie. Technically, the shoes should be black patent leather if you are wearing a tux ("black tie" means tux, not just a black suit with a black tie). But most people wear regular black dress shoes these days.
by Cash
Mon Oct 01, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16185

Re: iPhone XS Max

You never have to write a letter or scan a document to send it by email to someone? Lucky you! When I can do that on an iPhone or even an iPad, then I can think about getting rid of my desktop. But wait, where would I store and easily access my 1 TB worth of music files? Ever hear of the cloud? Rig...
by Cash
Sun Sep 30, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Best neighborhoods in Atlanta
Replies: 46
Views: 3772

Re: Best neighborhoods in Atlanta

We used to live in the Virginia Highlands neighborhood, which would satisfy your requirements for a walkable, densely populated neighborhood. We loved it, close to downtown, piedmont park, reasonable distance to Emory university. Good luck! The Highlands came to my mind as well. When we were there ...
by Cash
Sun Sep 30, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16185

Re: iPhone XS Max

BTW, do most people recommend getting some kind of protective cover for this phone? If so, what did you suggest? I really don't want to make this phone bigger. YB I had the Caudabe Lucid Clear case in crystal for my X and bought it again for my Max. It is the thinnest case I could find that also ha...
by Cash
Sun Sep 30, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Someone stole my check from the mail, changed the amount, and deposited it
Replies: 61
Views: 8024

Re: Someone stole my check from the mail, changed the amount, and deposited it

This happened to me as well:

viewtopic.php?f=2&t=214611

Now I use one account that is solely for sending money out, whether by check or ACH, and I keep just enough in there to cover the outstanding obligations with no overdraft “protection”.
by Cash
Sun Sep 30, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 3969

Re: First-time victim of credit card fraud

One was for a single dollar (tester) and then another for about $160 at a SAM's Club the same day. I wonder if they were clever enough to use their personal sam's membership card to make the purchase :D These rings are pretty sophisticated. They probably have fraudulent Sam’s Club memberships as we...
by Cash
Sat Sep 29, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 7126

Re: Got my new Iphone Xs

hope it charges, good luck with that. It's funny how anecdotes somehow become facts. I haven't experienced a charging issue, wifi issue, yellow screen issue, signal issue, etc. I imagine most purchasers have not. Go look up unboxtherapy #chargegate. It's why we don't just rely on your anecdotes. I'...
by Cash
Sat Sep 29, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 7126

Re: Got my new Iphone Xs

PFInterest wrote:
Sat Sep 29, 2018 3:43 pm
hope it charges, good luck with that.
It's funny how anecdotes somehow become facts. I haven't experienced a charging issue, wifi issue, yellow screen issue, signal issue, etc. I imagine most purchasers have not.
by Cash
Sat Sep 29, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 7126

Re: Got my new Iphone Xs

My previous phone was an Apple 4s. . . . . I run a variety of apps that are processor and storage intensive. Lol I really cannot reconcile these two statements. I didn't even know there were still functioning 4 series iPhones out there. Was that even getting iOS updates? I thought the X was amazing...
by Cash
Sat Sep 29, 2018 6:28 am
Forum: Personal Consumer Issues
Topic: Dark stain wood floors
Replies: 27
Views: 2476

Re: Dark stain wood floors

We have dogs and their claws are making a mess of the dark stained floors. They’re not scratchers... just wear from normal doggie activities like jumping on/ off furniture. Might be a cheap stain job, but IMHO a lighter stain would have shown the scratches less. +1, especially on the stair treads. ...
by Cash
Sat Sep 29, 2018 6:23 am
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 7126

Re: Got my new Iphone Xs

My previous phone was an Apple 4s. . . . . I run a variety of apps that are processor and storage intensive. Lol I really cannot reconcile these two statements. I didn't even know there were still functioning 4 series iPhones out there. Was that even getting iOS updates? I thought the X was amazing...
by Cash
Fri Sep 28, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16185

Re: iPhone XS Max

FYI the revamped Chrome app makes single handed web browsing even easier by putting all of the controls on the bottom half of the screen. Safari does a pretty good job of this, but fails with the refresh button and search bar.
by Cash
Thu Sep 27, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16185

Re: iPhone XS Max

BTW, do most people recommend getting some kind of protective cover for this phone? If so, what did you suggest? I really don't want to make this phone bigger. YB I had the Caudabe Lucid Clear case in crystal for my X and bought it again for my Max. It is the thinnest case I could find that also ha...
by Cash
Wed Sep 26, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16185

Re: iPhone XS Max

BTW, do most people recommend getting some kind of protective cover for this phone? If so, what did you suggest? I really don't want to make this phone bigger. YB I had the Caudabe Lucid Clear case in crystal for my X and bought it again for my Max. It is the thinnest case I could find that also ha...
by Cash
Wed Sep 26, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16185

Re: iPhone XS Max

For the record, I have decided to keep the Max. The screen is intoxicating and the new camera features are a marked improvement over even the X. I just sold my X for $750 on Swappa, so came out way ahead of Apple’s trade-in price (and the monthly price for the upgrade program). Also, I wear tailored...
by Cash
Mon Sep 24, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16185

Re: iPhone XS Max

dsmclone wrote:
Mon Sep 24, 2018 6:39 am
a quick charger($74)
Just use your iPad charger if you need something faster than the 5W one included:

https://www.macworld.com/article/323690 ... pters.html