Search found 44 matches

by rama13
Thu May 14, 2020 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1593
Views: 219020

Re: Fidelity as a one stop shop

All of a sudden I had a late fee on my Synchrony Bank and I was told the payment was reversed and that my bank (UMB/Fidelity) did not allow the payment. I inquired with Fidelity CS and they never even saw an attempt for a debit pull. Synchrony now claims they can only accept checking accounts to ma...
by rama13
Mon Apr 20, 2020 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 32381

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Hayden wrote:
Mon Apr 20, 2020 9:45 am
How can I find out whether someone has run my credit?
Sign up for a free account at each one of the CRAs.
by rama13
Sun Apr 19, 2020 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 32381

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

I applied for EIDL on 3/30. SBA just ran my credit yesterday (4/18). Be patient.
by rama13
Fri Apr 10, 2020 9:07 pm
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 201
Views: 59008

Re: Interactive Brokers (Best Kept Secret)

Was that IBKR Pro or Lite?
by rama13
Sat Apr 04, 2020 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1593
Views: 219020

Re: Fidelity as a one stop shop

Are you sure you need a cashier's check instead of just doing a wire transfer? Wire transfers are so much faster and easier.
by rama13
Thu Apr 02, 2020 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1593
Views: 219020

Re: Fidelity as a one stop shop

Kevin M wrote:
Thu Apr 02, 2020 5:30 pm
Anyone else concerned at all about this?
I've been using Fidelity California Municipal Money Market Fund (FCFXX) for the past few weeks. Current 7-day yield is 3.56%.
by rama13
Wed Apr 01, 2020 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 32381

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

MP123 wrote:
Wed Apr 01, 2020 8:31 pm
Other than the confirmation number I didn't get anything like an email or a way to return to check application status. Is that what others are seeing?
Yes.
by rama13
Mon Mar 30, 2020 1:02 am
Forum: Personal Investments
Topic: Interactive Brokers, multiple accounts and monthly fees
Replies: 20
Views: 1121

Re: Interactive Brokers, multiple accounts and monthly fees

Thank you. So you open Trad IRA. Fund it with $6k money. Buy say $6k equities. Ask them to do Roth conversion and this creates another Roth account into which the $6k equities are transferred. The Trad IRA then gets closed, and next year you have to open it again. Is that all correct? If you don't ...
by rama13
Sun Mar 29, 2020 6:03 pm
Forum: Personal Investments
Topic: Interactive Brokers, multiple accounts and monthly fees
Replies: 20
Views: 1121

Re: Interactive Brokers, multiple accounts and monthly fees

They will close your Trad IRA. You will not get charged any fee for this account. For your Roth IRA, it really doesn't matter how much you have in your taxable account for the fee waiver. The account values are not combined, and if you have less than $100k average balance in your Roth IRA, then you'...
by rama13
Sun Mar 22, 2020 2:07 pm
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 767
Views: 385774

Re: Ultimate Buy and Hold - 8 slices vs 4

I would consider these:

iShares Edge MSCI Intl Value Factor ETF (IVLU)
Invesco FTSE RAFI Developed Markets ex-US Portfolio ETF (PXF)
Schwab Fundamental International Large Company Index ETF (FNDF)

I find this page helpful: http://www.altruistfa.com/dfavanguard.htm
by rama13
Thu Nov 21, 2019 2:10 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?
Replies: 147
Views: 10528

Re: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?

Would you mind posting links to the forms that Fidelity makes you submit with you employer profit sharing/employee post tax/ and rollover into Roth for the megabackdoor? I was planning to do this all online by wiring money into the first two accounts and then writing a check from the post tax accou...
by rama13
Mon Nov 18, 2019 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?
Replies: 147
Views: 10528

Re: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?

I just drop the form at my local office, and the transfer is done same-day. Not too difficult for something I only do once per year.
by rama13
Sun Nov 10, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1593
Views: 219020

Re: Fidelity as a one stop shop

saulg wrote:
Sun Nov 10, 2019 4:16 pm
Within the unlinked CMA, if you put everything in the SPRXX money market fund and leave the Core position at $0, will the CMA automatically sell/liquidate SPRXX into Core to satisfy incoming debit transactions (eg, checks, BillPay, ATM withdrawals) as they come in?
Yes.
by rama13
Mon Nov 04, 2019 11:54 am
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 201
Views: 59008

Re: Interactive Brokers (Best Kept Secret)

Let's say I had a cash back credit card that I wanted to pay off every month. Can that bill be paid from my IBKR brokerage account? I see they offer "cash management", but I'm not sure what that means in practice. Would I have to actively manage this transaction every month? Or can the credit card ...
by rama13
Sun Nov 03, 2019 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?
Replies: 147
Views: 10528

Re: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?

how much simpler and mistake-proof would you consider it to be if one only used the solo 401(k) as a conduit for "mega backdoor" contributions into an external Roth IRA, and didn't actually hold any assets in it long-term? This is exactly what I do. I actually just did my $56,000 after-tax voluntar...
by rama13
Sat Oct 26, 2019 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1593
Views: 219020

Re: Fidelity as a one stop shop

skyghost wrote:
Sat Oct 26, 2019 8:17 pm
I was also trying to get some clarity if the 1% FTF applied to ATM cash withdrawals.
No, that's just for purchases.

I recently switched from Schwab's "High-Yield" Checking to using Fidelity as my primary cash management. So far I'm quite happy with it.
by rama13
Sat Oct 26, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1593
Views: 219020

Re: Fidelity as a one stop shop

Because of the partial exemption from state income tax, I estimate my compound taxable-equivalent yield (TEY) on SPAXX at 1.66% (based on compound yield of 1.55%), so higher than FDRXX compound yield of 1.60%. Of course there is some uncertainty in the TEY, because I'm basing it on 2018 USGO income...
by rama13
Fri Oct 18, 2019 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?
Replies: 147
Views: 10528

Re: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?

mysolo401k.net for me. They have a ton of information on their website, and they also do 1099-R and 5500 submissions.
by rama13
Sat Aug 31, 2019 8:02 pm
Forum: Investing - Theory, News & General
Topic: How to Add Momentum Factor
Replies: 36
Views: 2600

Re: How to Add Momentum Factor

Let's say someone has been following this board for over a decade and settled upon the following simple 60/40 portfolio of total market indexes with a small value slant (domestic) and small tilt (international): AQR Large Cap Momentum Style Fund (AMOMX) iShares MSCI USA Momentum Factor ETF (MTUM) V...
by rama13
Sun Apr 22, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Car driver's power window - problem - ideas?
Replies: 13
Views: 1675

Re: Car driver's power window - problem - ideas?

Sounds like it might be binding up a little bit. Spray the tracks with some silicone spray (be liberal with it) like this guy: https://www.youtube.com/watch?v=cl-7LtQuRfs
by rama13
Sat Apr 14, 2018 1:53 am
Forum: Personal Finance (Not Investing)
Topic: Buy I-Bonds before May 1 or After?
Replies: 16
Views: 2318

Re: Buy I-Bonds before May 1 or After?

I'm waiting until October's numbers are out.
by rama13
Sun Jan 28, 2018 5:37 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house, 15yr vs 30yr loan?
Replies: 29
Views: 4533

Re: Buying a house, 15yr vs 30yr loan?

clown's post is completely wrong. Longer term loans are going to have a higher rate, all else being equal. Using real numbers from Friday: a 30-yr loan is about 4.125% and a 15-yr is around 3.625%.
by rama13
Mon Dec 25, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: Where to stay in Sydney? What to see?
Replies: 19
Views: 1649

Re: Where to stay in Sydney? What to see?

There's a hostel in the Rocks that is really nice--Sydney Harbor YHA. We had our own ensuite with a view of the Opera House for a ridiculously amazing price. Opera House tour is cool, and so is the Hyde Park Museum. Also recommend taking a trip out the Featherdale Wildlife Park. Public transportatio...
by rama13
Mon May 01, 2017 11:01 pm
Forum: Personal Investments
Topic: Best SCV to choose from?
Replies: 49
Views: 5865

Re: Best SCV to choose from?

I'm guessing you mean RZV, which is my choice. In the future, you might want to include names instead of tickers, since most people don't have those memorized.
by rama13
Sat Apr 29, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to efficiently move HSA funds from one custodian to another
Replies: 5
Views: 987

Re: How to efficiently move HSA funds from one custodian to another

I just did this a couple weeks ago...

Just tell Optum you want to cancel your account (there's a form on their website for it). They will mail you a check. Then deposit that check with your new custodian, and tell them it's a one-time rollover (you're limited to one per 365 days). No fees...easy.
by rama13
Wed Apr 19, 2017 1:44 am
Forum: Personal Finance (Not Investing)
Topic: Refinance to 15 Yr Mortgage
Replies: 12
Views: 2211

Re: Refinance to 15 Yr Mortgage

Closing costs are too high. Pick a different rate, or find a better lender.
by rama13
Wed Apr 05, 2017 11:56 pm
Forum: Personal Consumer Issues
Topic: Selling A Semi-Valuable Vehicle
Replies: 12
Views: 1911

Re: Selling A Semi-Valuable Vehicle

I've found CarMax to be quite reasonable.
by rama13
Mon Apr 03, 2017 3:52 am
Forum: Personal Finance (Not Investing)
Topic: Extension of Federal Tax Return
Replies: 12
Views: 1303

Re: Extension of Federal Tax Return

Yes, that looks right. No need to file.
by rama13
Tue Mar 14, 2017 9:25 pm
Forum: Personal Investments
Topic: IRA Transfer into TSP?
Replies: 18
Views: 1517

Re: IRA Transfer into TSP?

I used to do this every year I had a deductible TIRA contribution. Those days are behind me now, but it works just fine. No fees from Vanguard, and there's no reason to close the IRA account. Just transfer everything every year over to TSP. As another poster said...make sure that you're able to dedu...
by rama13
Sun Mar 12, 2017 4:01 pm
Forum: Personal Investments
Topic: Help with I-Bond / EE-Bond Contribution Limits
Replies: 1
Views: 366

Re: Help with I-Bond / EE-Bond Contribution Limits

You can also get another $5k of paper I-bonds through your tax refund. You just need to overpay your taxes. At this point in the year, it's probably easiest to do this with a Form 4868 payment, but you can set up 1040-ES payments or more W-4 withholding for future years.
by rama13
Sat Sep 03, 2011 10:21 pm
Forum: Personal Consumer Issues
Topic: Best showerhead?
Replies: 38
Views: 11821

I just don't get the appeal for handheld showers. I can't stand them.
by rama13
Fri Aug 05, 2011 8:09 pm
Forum: Personal Investments
Topic: Beware VBS account reinvestment settings
Replies: 18
Views: 2061

The default reinvestment setting irritated me too. I wish they would have asked me when I setup the account or when I bought the security or something.
by rama13
Sat Jul 16, 2011 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Joining Penfed union. Need help.
Replies: 12
Views: 2109

If you're a student, join SAME (Society of American Military Engineers) for free. Otherwise join NMFA (National Military Family Association) for $20.
by rama13
Tue Jun 21, 2011 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Life planning help - nursing - military - masters program
Replies: 11
Views: 1714

Joining the military so you can buy a house is ludicrous! In your first few years, you'll move quite often. You really won't have time to work on your master's degree until you're a few years in. Also, doing any career you know you're not going to enjoy doesn't make much sense. I suggest you really ...
by rama13
Mon Jun 20, 2011 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone ever heard of "DU Refi Plus" loan
Replies: 4
Views: 638

Re: Anyone ever heard of "DU Refi Plus" loan

The bank says that's okay, that I can still avoid paying the PMI, because I qualify for a DU Refi Plus loan which does not affect any of the terms of the loan or closing costs we had agreed upon and there are no other strings attached. It's Desktop Underwriter. Basically it's a way to streamline th...
by rama13
Mon Jun 20, 2011 6:53 am
Forum: Personal Consumer Issues
Topic: Kindles: Special Offers +Sponsored Screensaver Edition?
Replies: 9
Views: 2221

I bought the Kindle with special offers. The ads are very unobstrusive. The only time you see them is when you go into standby (which I have a case, so I don't really look at the screensaver), and at the bottom of the home screen (which you really never spend any time in, unless you're selecting a d...
by rama13
Sat Jun 04, 2011 3:28 pm
Forum: Personal Consumer Issues
Topic: could you overlook this? [bad employee behavior]
Replies: 68
Views: 9437

I would counsel the employee about her performance. Specifically tell her what she's doing inappropriately. Then tell her she has 3 weeks to improve (or whatever is compatible with your HR policies). This protects you slightly, because you're giving her a chance to fix the problems. And, you might j...
by rama13
Tue May 31, 2011 2:53 pm
Forum: Investing - Theory, News & General
Topic: Equal weight within portfolio
Replies: 47
Views: 4140

Ultimate Buy&Hold

It looks like you might be interested in the Ultimate Buy & Hold Portfolio. If you do this, also take a look at this version that takes 8 of those slices and turns them into 4.
by rama13
Sun May 29, 2011 5:11 am
Forum: Personal Investments
Topic: Switched from Fed to Non-Profit. Leave money in TSP?
Replies: 9
Views: 1097

If the TSP is already meeting your investment needs, I'd keep it.
by rama13
Sat May 28, 2011 8:57 pm
Forum: Personal Investments
Topic: VFITX or VBIIX
Replies: 7
Views: 2085

I only own the Treasuries for simplicity, and I feel that corporate bonds have a higher correlation with equities so I stick purely to Treasuries in my fixed-income allocation.
by rama13
Sat May 28, 2011 8:52 pm
Forum: Investing - Theory, News & General
Topic: Which Vanguard bond funds are you currently using, and why?
Replies: 96
Views: 19230

50% Vanguard Intermediate-Term Treasury (VFITX)
30% Vanguard Short-Term Treasury (VFISX) and TSP G Fund
20% Vanguard Inflation-Protected Securities (VIPSX)
by rama13
Mon May 16, 2011 2:52 am
Forum: Personal Finance (Not Investing)
Topic: Safest SUV
Replies: 63
Views: 7179

You didn't mention your price range, but I would consider the Acura MDX.
by rama13
Sun May 15, 2011 2:14 am
Forum: Personal Consumer Issues
Topic: Appliances for grinding beef at home?
Replies: 12
Views: 1791

If you're interested in something that will last, and that can do some serious multitasking, you really should look at a food processor. They are amazing. I've used mine to "grind" my own beef, and it makes great burgers and meatloaf.