Search found 104 matches

by Pocanutin
Mon Jan 11, 2021 11:05 am
Forum: Personal Investments
Topic: Fidelity three-fund: what do you hold?
Replies: 6
Views: 675

Re: Fidelity three-fund: what do you hold?

I think that you meant FSKAX. For what it's worth, we hold only two funds at Fidelity. FSKAX(Total Stock Index and FUAMX (intermediate Treasury index), in roughly 38/62 ratio.

Best
P
by Pocanutin
Tue May 19, 2020 12:58 pm
Forum: Investing - Theory, News & General
Topic: Where to park cash in Fidelity?
Replies: 94
Views: 12199

Re: Where to park cash in Fidelity?

Fidelity is not a bank, but a brokerage; thus cannot offer high yield savings.
Best,
P
by Pocanutin
Sat Apr 25, 2020 9:58 am
Forum: Personal Investments
Topic: High yield savings or equivalent at fidelity?
Replies: 7
Views: 756

Re: High yield savings or equivalent at fidelity?

I asked my Fidelity advisor this very question some time ago, and his reply was that Fidelity was not a bank (like Ally), but a brokerage. Therefore, no high yield savings available.. Until recently, Fidelity MM was equal or better than Ally, but not now. I just moved some of my cash MM at Fidelity ...
by Pocanutin
Sat Apr 11, 2020 3:30 pm
Forum: Investing - Theory, News & General
Topic: Stock and bond diversification - Swensen quote on "Investment Principles in Practice"
Replies: 18
Views: 1113

Re: Stock and bond diversification - Swensen quote on "Investment Principles in Practice"

Thanks DBR You have provided food for thought. I always believed that stocks would provide some protection from inflation, and at our age (I thought) that the risk of runaway inflation would be relatively low and although our annuities are not inflation-adusted, we would be able to survive. I did ru...
by Pocanutin
Sat Apr 11, 2020 2:46 pm
Forum: Investing - Theory, News & General
Topic: Stock and bond diversification - Swensen quote on "Investment Principles in Practice"
Replies: 18
Views: 1113

Re: Stock and bond diversification - Swensen quote on "Investment Principles in Practice"

Thanks Simple Gift: I believe that you have asked a better question than the one that I submitted. What IS the downside for holding tips at our age? Indeed, what could it hurt to hold a small percentage in tips? I did notice that Fidelity Freedom Index target date fund 2020 (which holds about 48% eq...
by Pocanutin
Sat Apr 11, 2020 1:26 pm
Forum: Investing - Theory, News & General
Topic: Stock and bond diversification - Swensen quote on "Investment Principles in Practice"
Replies: 18
Views: 1113

Re: Stock and bond diversification - Swensen quote on "Investment Principles in Practice"

Greetings: I am 78 years old and DW is 73. We have basically a two fund portfolio of 50% Total Stock Index (FSKAX) and 50% Intermediate Treasuries (FUAMX) at Fidelity in IRAs. A question that has bothered me for some time is whether TIPs are recommended for someone our age since we have several life...
by Pocanutin
Sat Mar 21, 2020 1:45 pm
Forum: Personal Investments
Topic: Guys I Rebalanced (Moved Monies Out Of S&P 500)
Replies: 301
Views: 18779

Re: Guys I Rebalanced (Moved Monies Out Of S&P 500)

My god!! please someone lock this thread.
P
by Pocanutin
Sat Feb 15, 2020 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity is late with 1099
Replies: 49
Views: 4919

Re: Fidelity is late with 1099

Got mine today!!!
P
by Pocanutin
Fri Feb 14, 2020 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity is late with 1099
Replies: 49
Views: 4919

Re: Fidelity is late with 1099

pshonore:

Thanks for the info regarding reits..AFter reading some of the responses here, I have cooled down somewhat and agree that it is better to be late than have to file correction. :happy

P
by Pocanutin
Fri Feb 14, 2020 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity is late with 1099
Replies: 49
Views: 4919

Re: Fidelity is late with 1099

Mine is late also...ITOT Total Stock Fund ETF is holding mine up! Fidelity has never been this late before, although we usually have only one or two Fidelity funds in taxable account.
Very disappointing. Some of us have to get this stuff to accountants as soon as possible.

P

P.S. No foreign funds.
by Pocanutin
Wed Feb 12, 2020 5:53 pm
Forum: Personal Investments
Topic: Fidelity ETF fees
Replies: 5
Views: 538

Re: Fidelity ETF fees

I think those fees are required by the exchanges, not Fidelity.
P
by Pocanutin
Wed Jan 29, 2020 11:08 am
Forum: Personal Consumer Issues
Topic: Backyard Fountain For Noise Mitigation
Replies: 15
Views: 1671

Re: Backyard Fountain For Noise Mitigation

Have you considered just purchasing a white noise generator (or app for sleep)? We have two of these and they work for us...we are close to a major highway also. Particularly useful at night.

P
by Pocanutin
Thu Jan 16, 2020 3:31 pm
Forum: Personal Investments
Topic: Most Reliable Insurance Company (SPIA for Retirement)
Replies: 20
Views: 1657

Re: Most Reliable Insurance Company (SPIA for Retirement)

To add to what others have said, I have SPIAs with both Mass Mutual and New York Life for years (78 Years old)--purchased 12 years ago. No problems with either and based upon my experience, either one would be excellent...Not always the cheapest, but perhaps the best.

P
by Pocanutin
Thu Jan 16, 2020 10:54 am
Forum: Investing - Theory, News & General
Topic: Rebalancing at the top
Replies: 5
Views: 575

Re: Rebalancing at the top

oops, you beat me to it.....
by Pocanutin
Thu Jan 16, 2020 10:54 am
Forum: Investing - Theory, News & General
Topic: Rebalancing at the top
Replies: 5
Views: 575

Re: Rebalancing at the top

not applicable in a tax deferred account.
P
by Pocanutin
Tue Jul 16, 2019 8:02 am
Forum: Investing - Theory, News & General
Topic: Fidelity Expands Their Index Fund Lineup
Replies: 70
Views: 11821

Re: Fidelity Expands Their Index Fund Lineup

yes, new fidelity index funds are now live

P
by Pocanutin
Wed Mar 27, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Cox Retention Department
Replies: 28
Views: 19166

Re: Cox Retention Department

We just terminated COX and initially attempted to reach the retention department. When we finally did, we were told that there was no direct number to contact that department. We had been customers for 11years and had previously negotiated price reductions. After all of these years, we joyously bid ...
by Pocanutin
Wed Mar 06, 2019 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Citi sign on
Replies: 10
Views: 836

Re: Citi sign on

Thanks mrc

I removed cookies from citi...seemed to solve problem.

P
by Pocanutin
Wed Mar 06, 2019 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Citi sign on
Replies: 10
Views: 836

Re: Citi sign on

YES, YES, YES!! Private mode worked!!!!

Thank you thy4373
by Pocanutin
Wed Mar 06, 2019 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Citi sign on
Replies: 10
Views: 836

Re: Citi sign on

Thanks...yes I just went to citi.com, signed in, and all I get is the whirling semicircle on a completely blank page...When I reload that page, I get a message that indicates technical problems.

Quite a puzzle.

P
by Pocanutin
Wed Mar 06, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Citi sign on
Replies: 10
Views: 836

Citi sign on

Is anyone else having trouble signing into their Citi credit card account. I have been unable to get to my account for at least 3 days.

Thank you.

Pocanutin
by Pocanutin
Tue Jan 15, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: Amazone Prime Store card, discount and gift cards
Replies: 4
Views: 504

Re: Amazone Prime Store card, discount and gift cards

I have used this card for a long time...try this..log in and in the upper right corner is a label "Rewards and Offers (I think). Click on that tab and see the details of your purchases and current rewards. Maybe that will help. Good Luck. P P.S. You can choose to have rewards credited to your s...
by Pocanutin
Sat Jan 12, 2019 11:52 am
Forum: Personal Investments
Topic: We Made It ! now need a little help
Replies: 9
Views: 2586

Re: We Made It ! now need a little help

OP:

Those two funds are what we own in our IRAs @ 50/50. Age 77/72 retired.
P
by Pocanutin
Sat Dec 22, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Cox Cable -- Should I Switch to Verizon?
Replies: 25
Views: 1595

Re: Cox Cable -- Should I Switch to Verizon?

We just terminated Cox two weeks ago...had been with them for 11 years, but we got tired of playing the call game every few months to try to negotiate a better price. In addition, they flat-out lied to us several times over the years. Fortunately we were able to go with a local provider at a signifi...
by Pocanutin
Thu Dec 13, 2018 3:55 pm
Forum: Personal Investments
Topic: Purchasing New Issue CDs at Fidelity
Replies: 2
Views: 362

Re: Purchasing New Issue CDs at Fidelity

I have done several over the years and you will get the yield stated in the new issue list.

Best,
P
by Pocanutin
Wed Nov 28, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: best Mac malware program?
Replies: 13
Views: 1286

Re: best Mac malware program?

We use ClamXAV...$29.95 year for up to 3 computers. Never had infection (so far), although several have been detected and quarantined. Previously was free, just started to charge this year. We have used this program for4 years.

P
by Pocanutin
Thu Oct 25, 2018 10:51 am
Forum: Personal Investments
Topic: For those waiting for a 'correction' ...
Replies: 109
Views: 1237399

Re: For those waiting for a 'correction' ...

To paraphrase Louis Rukeyser, this week I became a long-term investor :D
by Pocanutin
Wed Oct 17, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Moved from ETrade to Fidelity-quick update-is this normal?
Replies: 5
Views: 882

Re: Moved from ETrade to Fidelity-quick update-is this normal?

What the representative told you is correct. Fidelity is not a bank...this is the reason that they don't have a high yield savings account option. In order to obtain that option, I had to transfer some of my MM account to Ally which IS a bank. Govt. reserves MM at fidelity is yielding about 1.85 or ...
by Pocanutin
Sat Oct 06, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Plan For Depleting Your Investments If No Heirs?
Replies: 39
Views: 5169

Re: Plan For Depleting Your Investments If No Heirs?

Another vote for "Die Broke" book.

P
by Pocanutin
Wed Sep 12, 2018 10:17 am
Forum: Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 82
Views: 9994

Re: Fidelity, Schwab, or Vanguard

Another vote for Fidelity...in my experience of 35 years with them, excellent customer service and always attempting to improve via solicited customer feedback. I am probably not remembering this accurately, but I can't recall a single error that they have made with my account over those years. To b...
by Pocanutin
Thu Aug 16, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 2011

Re: Mail order pharmacy

We use Health Warehouse (Kentucky I think ) Very efficient and reliable.

P
by Pocanutin
Fri Apr 20, 2018 5:10 pm
Forum: Personal Investments
Topic: Bonds vs. Fixed/Guaranteed Income
Replies: 21
Views: 3585

Re: Bonds vs. Fixed/Guaranteed Income

Thanks pugetsound guy...what I really meant to convey is whether I should renew the cd ladder each year or let it expire in 5 years and just use the bond index for whatever time I/we have left. I'm afraid that I wasn't very clear in my original post. I do realize that I will be 80 when the current l...
by Pocanutin
Fri Apr 20, 2018 10:29 am
Forum: Personal Investments
Topic: Bonds vs. Fixed/Guaranteed Income
Replies: 21
Views: 3585

Re: Bonds vs. Fixed/Guaranteed Income

Greetings bogleheads: I am interested in this thread because I am attempting to decide whether I need any more guaranteed income for diversity. The following information may be relevant: I am 76 YO and DW is 71 and we are in the distribution phase of retirement. Thanks to several annuities purchased...
by Pocanutin
Fri Nov 10, 2017 4:48 pm
Forum: US Chapters
Topic: New Northwest Arkansas Bogleheads Local Chapter Established
Replies: 16
Views: 3199

Re: [Bogleheads Local] Chapters in Southern Missouri/ Northern Arkansas?

I am in the Fayetteville area and would be willing to co-cordinate organizing a chapter if needed.

Age constraint might preclude my taking full responsibility for organizing, but would be happy to help.

P
by Pocanutin
Mon Oct 23, 2017 8:02 am
Forum: Personal Investments
Topic: Bond ladders that are hard to climb
Replies: 11
Views: 1826

Re: Bond ladders that are hard to climb

No you can establish a treasury ladder within an IRA, I have one..
by Pocanutin
Wed Apr 19, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4980
Views: 1315632

Re: What Book Are You Currently Reading? Part VI

Another vote for SAPIENS...this is my second reading and still learning!

Also his newest book (and follow-up) HOMO DEUS. A fascinating read.
by Pocanutin
Tue Mar 21, 2017 5:39 pm
Forum: Personal Investments
Topic: Use single fund for monthly RMD draws?
Replies: 6
Views: 1080

Re: Use single fund for monthly RMD draws?

Fidelity does not regard monthly RMD withdrawals from a non- MM account as a part of frequent trading rules. I have done that for over a year from my bond fund with no fees or restrictions. They sell a bond fund RMD approx. 3 days before it is deposited to cash in MM and then it is withdrawn from th...
by Pocanutin
Wed Feb 08, 2017 4:35 pm
Forum: Personal Investments
Topic: Alternative to FTEXX for Fidelity Brokerage Account
Replies: 10
Views: 3380

Re: Alternative to FTEXX for Fidelity Brokerage Account

you are correct...I should have said the op was 9 years old... I posted because I thought you might not have seen the date which happens occasionally.
Best,
P
by Pocanutin
Wed Feb 08, 2017 2:27 pm
Forum: Personal Investments
Topic: Alternative to FTEXX for Fidelity Brokerage Account
Replies: 10
Views: 3380

Re: Alternative to FTEXX for Fidelity Brokerage Account

this post is about nine years old.
by Pocanutin
Tue Jan 31, 2017 9:28 am
Forum: Personal Investments
Topic: Brokerage CD ladders - worth the hassle over bond funds?
Replies: 5
Views: 1714

Re: Brokerage CD ladders - worth the hassle over bond funds?

Might you consider a 5 year double-rung (i.e., "stacked") ladder? That way you will have enough funds available each year to extend the ladder to a single rung ladder thus providing a 10 year spread. That way you might be able to capitalize on any increase in interest rate over the next fe...
by Pocanutin
Sat Dec 31, 2016 12:21 pm
Forum: Investing - Theory, News & General
Topic: Spending during retirement
Replies: 9
Views: 1483

Re: Spending during retirement

Sheepdog:
Let me be the first to wish you []Happy Anniversary. We will celebrate our 40th in two weeks...I hope to achieve your milestone.

Best,
Pocanutin

P.S. I enjoy your posts

P.P.S O.K. the second to wish you happy anniversary :D
by Pocanutin
Tue Dec 06, 2016 11:32 am
Forum: Personal Investments
Topic: Fidelity or Vanguard
Replies: 45
Views: 5161

Re: Fidelity or Vanguard

Fidelity customer for 30 years...absolutely no problems. In fact, I can't remember a single mistake after all of those years. Customer service in my judgment in extraordinary. No experience with Vanguard, however.
P
by Pocanutin
Tue Sep 13, 2016 1:20 pm
Forum: Personal Investments
Topic: Fidelity Strategic Advisor Portfolio Management
Replies: 25
Views: 5322

Re: Fidelity Strategic Advisor Portfolio Management

Don't forget to add the underlying (active) fund fees which could add another .8-1+%....I doubt that the advisory service would place your funds in low cost index funds. I could imagine that your total cost could be on the north side of 2% a year.
Pocanutin
by Pocanutin
Wed May 11, 2016 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: What was your hardest retirement transition?
Replies: 61
Views: 12348

Re: What was your hardest retirement transition?

By far, as with Taylor, my most difficult transition was from saving to spending. I still struggle with this and I am 74 YO.

Pocanutin
by Pocanutin
Thu Sep 17, 2015 11:29 am
Forum: Personal Consumer Issues
Topic: Are you upgrading to ios 9? When?
Replies: 42
Views: 5840

Re: Are you upgrading to ios 9? When?

upgraded yesterday...all is well (so far) iPad 3 and iPhone 5

Pocanutin
by Pocanutin
Tue Mar 03, 2015 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Is Yahoo Mail working very slowly???
Replies: 26
Views: 7239

Re: Is Yahoo Mail working very slowly???

I use macbook pro and the yahoo mail is very slow with some functions not working at all (e.g. delete spam).
I will probably switch to gmail where I have a secondary account.
Yahoo is pathetic.

P.