Search found 956 matches

by jpsfranks
Fri Apr 12, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 3881

Re: Relocating to Seattle from Baltimore Area

The homeless problem and urban cleanliness is not as bad as people mention, a lot of sincere people are working on solutions. I think it is better than a few years ago. Seattle, Portland and San Francisco look like something out of a post apocalyptic film most nights. There are feces, vomit and nee...
by jpsfranks
Fri Apr 12, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 3881

Re: Relocating to Seattle from Baltimore Area

You have no children, why the talk of school districts? Who knows what your situation will be by the time you have school age children.

I would rent an apartment in the city for a year and get the lay of the land, then you can decide where you'd really like to live longer term.
by jpsfranks
Fri Apr 12, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: YouTube TV is increasing their price - will you cancel it?
Replies: 63
Views: 4597

Re: YouTube TV is increasing their price - will you cancel it?

I signed up for a trial of Youtube TV so I wouldn't miss the shows. When the power came back, I tried watching the shows. The experience was just horrid. It wasn't possible to skip commercials at all on those new CBS shows ! Every single one had to be watched. Even if fast-forwarding ! This is no D...
by jpsfranks
Fri Apr 12, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 3881

Re: Relocating to Seattle from Baltimore Area

This mentality translates to pretty much every day life there. People randomly cut in front of others in grocery store lines and pretend they don’t see you because they don’t expect you will call them out on it (very passive culture remember). This happened to me many times and another friend from ...
by jpsfranks
Thu Apr 11, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Using Fidelity Cash Management as my only bank account
Replies: 30
Views: 4047

Re: Using Fidelity Cash Management as my only bank account

I just opened an account at Schwab because they don’t charge international ATM fees (nor does Fidelity) AND they don’t charge foreign transaction fees on ATM withdrawals(Fid charges 1%). This is not my experience. I believe the 1% fee for Fidelity is only charged at a point of sale purchase, not fo...
by jpsfranks
Wed Apr 10, 2019 7:45 pm
Forum: Personal Consumer Issues
Topic: YouTube TV is increasing their price - will you cancel it?
Replies: 63
Views: 4597

Re: YouTube TV is increasing their price - will you cancel it?

I had just commented in another recent thread how Google had had a decent history of grandfathering pricing in the past... :annoyed I bought a bunch of Google Play gift cards at a discount that will last another few months. When that runs out I'll probably look around again, at $50/month it's pretty...
by jpsfranks
Wed Apr 10, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Keogh Profit Sharing vs. Solo 401k - 2018 Tax Help
Replies: 7
Views: 256

Re: Keogh Profit Sharing vs. Solo 401k - 2018 Tax Help

Yes it's a (self employed/solo) 401k, and you can treat it as such and ignore that it ever said Keogh.
by jpsfranks
Wed Apr 10, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Keogh Profit Sharing vs. Solo 401k - 2018 Tax Help
Replies: 7
Views: 256

Re: Keogh Profit Sharing vs. Solo 401k - 2018 Tax Help

This seems to be an oddity with Fidelity where all Solo 401ks are initially labeled this way. It's fine, don't worry about it.

You can rename the account if you like for your own purposes. I did.
by jpsfranks
Wed Apr 10, 2019 12:04 am
Forum: Investing - Theory, News & General
Topic: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)
Replies: 32
Views: 2995

Re: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)

I'm sorry if you felt that the conversation was getting contentious. I did not feel that way. You are likely better versed here than I am. This is what I read in the Statement of Additional Information for e.g. Fidelity Total Market Index Fund and Fidelity Zero Total Market Index Fund. From my layma...
by jpsfranks
Tue Apr 09, 2019 9:38 pm
Forum: Investing - Theory, News & General
Topic: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)
Replies: 32
Views: 2995

Re: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)

Go back and read the OP, including their footnote. Fidelity never said these funds are losing money, the quote said the are not making money. They are not loss leaders in the true definition, but it is safe to say that they are marketing exercises. The equivalent non-ZERO index fund ERs are 0.015%,...
by jpsfranks
Tue Apr 09, 2019 9:24 pm
Forum: Investing - Theory, News & General
Topic: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)
Replies: 32
Views: 2995

Re: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)

I think many of us here have long speculated that Fidelity has been running their index funds as loss leaders, going back to when they used the "Spartan" branding. No speculating necessary, because Fidelity had full disclosure. They have always published a gross ER and net ER. Twenty (20) years ago...
by jpsfranks
Tue Apr 09, 2019 7:24 pm
Forum: Investing - Theory, News & General
Topic: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)
Replies: 32
Views: 2995

Re: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)

I think many of us here have long speculated that Fidelity has been running their index funds as loss leaders, going back to when they used the "Spartan" branding. So far they have a good track record of maintaining the low expenses, although it's still probably a reason to prefer Vanguard in a taxa...
by jpsfranks
Sat Apr 06, 2019 8:10 pm
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 7289

Re: Huge AIrBNB Cancellation Charge

The HOA won’t care. The CC company will likely not let you skate on a $1200 charge. Unless there is blatant false advertising I suspect the OP is boned. I'm not sure how important the amount is here to whether a chargeback will be successful. When I was handling merchant payments in a previous life...
by jpsfranks
Thu Apr 04, 2019 2:21 pm
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 185
Views: 14796

Re: All the "should I be 100% stocks" threads over the last year.

What'd you do it in, Python? I used Go. If it wasn't an exercise, Python would have been my default choice for something like this. That's interesting, I have never heard of Go. In another post, I was wondering what the Go game had to do with the topic, but it makes sense now. How intuitive is it? ...
by jpsfranks
Thu Apr 04, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Clipless pedals for a hybrid bike
Replies: 48
Views: 2248

Re: Clipless pedals for a hybrid bike

Checkout the Shimano SPD a530. It's a SPD clip on one side and a platform on the other. Not a great platform, but good enough if you're coasting to a stop. I use these. I have one bike at the moment and like the flexibility of being able to hop on with a normal pair of shoes for e.g. a short ride t...
by jpsfranks
Tue Apr 02, 2019 2:35 pm
Forum: Personal Investments
Topic: Schwab users: Does Schwab discourage the purchase of money market funds?
Replies: 44
Views: 3258

Re: Schwab users: Does Schwab discourage the purchase of money market funds?

I will say, one of the reasons I ended up with Schwab instead of Fidelity is because of the internal memo that leaked from Fidelity calling their business model "broken". Maybe the default high yield sweep and those free index funds aren't sustainable long term. What's the story on this internal Fi...
by jpsfranks
Tue Apr 02, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: New Bank: Schwab or Fidelity
Replies: 20
Views: 1466

Re: New Bank: Schwab or Fidelity

Schwab actually has a bank (FDIC). Fidelity does not have a bank but a “Cash Management Account” which emulates a bank. Fidelity account does not have FDIC. The default cash position in the Fidelity account is FDIC insured through partner banks. The interest rate is low however which is why many ch...
by jpsfranks
Mon Apr 01, 2019 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Any *disadvantages* to citizenship?
Replies: 74
Views: 3694

Re: Any *disadvantages* to citizenship?

OP's wife is a green card holder and therefore a US tax resident already. I'm sure they are familiar with being taxed on their worldwide income because they are already filing a return and paying taxes.
by jpsfranks
Sun Mar 31, 2019 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: GNUcash Question
Replies: 5
Views: 779

Re: GNUcash Question

One thing to check when totals from subaccounts are not being reflected in the parent account: check the Security/currency of both the subaccount and parent account, if they differ then make sure that there is an entry in the Price database (Tools -> Price database) that converts between the two. An...
by jpsfranks
Sat Mar 30, 2019 9:51 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 589
Views: 45321

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Go to the Activity & Orders tab of the account and find the Check Paid # XXXX (Cash) item and click on it. The check images will show inline there.

It does take a while: the check paid will appear in your activity severals days before the images become available.
by jpsfranks
Wed Mar 27, 2019 6:54 pm
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 185
Views: 14796

Re: All the "should I be 100% stocks" threads over the last year.

Minderbinder wrote:
Wed Mar 27, 2019 3:02 pm
What'd you do it in, Python?
I used Go.

If it wasn't an exercise, Python would have been my default choice for something like this.
by jpsfranks
Wed Mar 27, 2019 2:45 pm
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 185
Views: 14796

Re: All the "should I be 100% stocks" threads over the last year.

I thought this was a fun thread and made a note to try to quantify the number of these threads as a dumb exercise the next time I needed to try out a new programming language. I just got around to it now. I wrote a script to capture thread titles from the "Personal Investments" and the "Investing - ...
by jpsfranks
Tue Mar 26, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Boeing 737 Max 8 Flight: Would you rebook?
Replies: 63
Views: 5029

Re: Boeing 737 Max 8 Flight: Would you rebook?

OP, Just re-book on another airline and save yourself the anxiety... Why do you want to complicate your life? OP is flying to Mount Kilimanjaro. This is almost certainly going to involve a flight on an African airline, at least for a connecting leg. What airline would you propose they book with? Et...
by jpsfranks
Mon Mar 25, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Two factor authentication loophole?
Replies: 32
Views: 3229

Re: Two factor authentication loophole?

You can always remove the app and use browser on ipad to log in to the website. Most browsers have an option to "Request Desktop Site" which makes the websites think its a normal desktop/laptop rather than a personal device like a phone/tablet etc. https://www.google.com/search?client=firefox-b-1-d...
by jpsfranks
Sun Mar 24, 2019 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity VISA Question
Replies: 26
Views: 2364

Re: Fidelity VISA Question

I think we had the old card and that everything was okay until Elan came in. DH had not mentioned getting any rewards from Fidelity recently, so I asked, "Where are all the $400-$500 rewards we used to get?" Long story short, it turns out that if you pay your bill with your rewards, you get only ha...
by jpsfranks
Sun Mar 24, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity VISA Question
Replies: 26
Views: 2364

Re: Fidelity VISA Question

Okay, one more question, if I may. In order to get the points/cash back, do I have to wait until I am billed, or can I make partial payments along the way during the month? Might be a silly question but this is new to me. Points are credited to your account each month reflecting that month's spendi...
by jpsfranks
Sun Mar 24, 2019 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity VISA Question
Replies: 26
Views: 2364

Re: Fidelity VISA Question

Okay, one more question, if I may. In order to get the points/cash back, do I have to wait until I am billed, or can I make partial payments along the way during the month? Might be a silly question but this is new to me. Points are credited to your account each month reflecting that month's spendi...
by jpsfranks
Sat Mar 23, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Need Foreign Currency
Replies: 25
Views: 1260

Re: Need Foreign Currency

So much of what you and others have posted here are not specific to CR. Your advice maybe correct in general, but in CR US$ are widely accepted at a fair rate. Agree, OP asked about CR and it will be no problem spending USD there, or elsewhere in Central America generally. It is even an/the officia...
by jpsfranks
Sat Mar 23, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: DirecTv Now changes
Replies: 32
Views: 2362

Re: DirecTv Now changes

One nice thing about Google/YouTubeTV is that they have a history of honoring grandfathered prices as long as the subscription remains active. There was a $5/month YouTubeTV price increase to $40/month a while back but those already subscribed continue to pay $35/month. Google also grandfathered pri...
by jpsfranks
Thu Mar 21, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: Computer security
Replies: 52
Views: 3449

Re: Computer security

DPI "breaks PKI" in the sense that as neither Alice nor Bob, I can see the plaintext of encrypted traffic traversing my network, something that is required by regulation in my industry. pfSense will get you DPI and packet capturing, you can throw that on a NUC, set the SSID as "FreeATTWifi" and at ...
by jpsfranks
Thu Mar 21, 2019 6:49 pm
Forum: Personal Consumer Issues
Topic: Google fi users - happy with it and recs?
Replies: 16
Views: 991

Re: Google fi users - happy with it and recs?

-The phone choices for Fi, though growing, is still very limited. This is only partially true now. If you are satisfied with TMobile service only (i.e. no jumping to Sprint) then you can pretty much use any phone that works with TMobile (my mother uses it with an iPhone for example). I agree with p...
by jpsfranks
Wed Mar 20, 2019 2:01 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 103
Views: 12542

Re: Fell in Love with Fidelity

I, too, use their CMA, HSA, and credit card. My wife's current employer-sponsored accounts are also there (and mine is elsewhere). For everything else, there's VTWAX at Vanguard. Vanguard is there to act in my best interest. Fidelity is there to make profit on me (or my heirs) one day. Why would I ...
by jpsfranks
Wed Mar 20, 2019 10:27 am
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 103
Views: 12542

Re: Fell in Love with Fidelity

+100 This can not be understated. They are out to get you. Or, failing that, your heirs. Think long. We have always transferred all our Fidelity-managed employer accounts to Vanguard IRAs at every job change. Couldn't be happier, especially now that Vanguard introduced Admiral shares of Total World...
by jpsfranks
Tue Mar 19, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Computer security
Replies: 52
Views: 3449

Re: Computer security

Traffic to a site that is encrypted (i.e. typically shown by browsers as lock icon in a browser address bar) is as safe as anything can be on the internet whether over wifi or not. I disagree with your statement. If I perform a "man-in-the-middle" attack, you would see a green lock icon to the site...
by jpsfranks
Tue Mar 19, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Computer security
Replies: 52
Views: 3449

Re: Computer security

Traffic to a site that is encrypted (i.e. typically shown by browsers as lock icon in a browser address bar) is as safe as anything can be on the internet whether over wifi or not. Note that the lock in your browser is entirely separate from the "encryption" on a wifi network (e.g. WPA2), which is n...
by jpsfranks
Sat Mar 16, 2019 7:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 589
Views: 45321

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

2. SERVICES (Notary and signature guarantees) a. My local WF bank manager just notarized my wife and my Wills for FREE, a $30+ value. Would Fidelity do that for free? b. Would Fidelity Investor Centers sign a Medallion Signature Guarantee document? This would be required for rare but critically imp...
by jpsfranks
Wed Mar 13, 2019 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Replacing Vanguard Advantage, with link to TreasuryDirect
Replies: 2
Views: 327

Re: Replacing Vanguard Advantage, with link to TreasuryDirect

I linked my Fidelity cash account to TreasuryDirect, and I have never had any issues there or elsewhere establishing ACH links using the routing number and account number on my checks.
by jpsfranks
Tue Mar 12, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Vizio TV Remote Issue
Replies: 10
Views: 595

Re: Vizio TV Remote Issue

The Comcast cable box remotes that I'm familiar are RF and can be paired with a specific cable box, and once this is done do not affect one another. If you can set them up this way, then that would handle channel changing. You would still have to deal with the infrared TV functions only (i.e. power ...
by jpsfranks
Sun Mar 10, 2019 11:34 am
Forum: Personal Investments
Topic: Thinking of switching taxable acct to Fidelity but confused about short term redemption/trading fees
Replies: 18
Views: 1064

Re: Thinking of switching taxable acct to Fidelity but confused about short term redemption/trading fees

As mentioned earlier I believe Fidelity eliminated short term trading fees on most (if not all?) of their funds. What remains is a round trip trading limit. You are limited to a certain number of trades in and out of a fund within a 30 day period, and are warned before placing an order that would re...
by jpsfranks
Fri Mar 08, 2019 11:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 589
Views: 45321

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

FWIW I don't buy mutual funds at my bank or write checks on my brokerage account. I also don't use my chainsaw to cut the grass. :D e.g. Toro and Husqvarna make both chainsaws and lawnmowers, would you object to buying both products from the same manufacturer? Every VanguardAdvantage refugee (the p...
by jpsfranks
Thu Mar 07, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4397
Views: 1145712

Re: What Movie Have You Recently Watched?

Apollo 11

It's an amazing 1.5 hour documentary on the first moon landing told entirely with recordings and archival footage (including some 70mm), no narration. I saw it at the local IMAX and I would suggest seeing it on the biggest screen you can.
by jpsfranks
Wed Mar 06, 2019 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Charging Monthly Fee - How to Avoid it?
Replies: 19
Views: 2067

Re: HSA Charging Monthly Fee - How to Avoid it?

The market will charge what it can, and until recently it didn't seem like there was much competition among custodians to drive prices down. But now Fidelity and Lively are finally making some waves with free offerings to individuals. Vote with your feet, transfer to one of these, and leave the fees...
by jpsfranks
Wed Mar 06, 2019 9:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 589
Views: 45321

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

This is excellent because it helps show that these CMA services are not "free" There is a real measurable opportunity cost on cash returns. This why I have always kept my banking and investing separate. This whole CMA thing is just one more hook to upsell (or get cash in relatively high ER parking ...
by jpsfranks
Mon Mar 04, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: Global Entry Application turnaround times?
Replies: 35
Views: 2560

Re: Global Entry Application turnaround times?

Check out this flyertalk thread for up to date reports (thread was started years ago go to the last page).

https://www.flyertalk.com/forum/trusted ... tions.html
by jpsfranks
Sun Mar 03, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Satellite Phone rental for foreign travel
Replies: 23
Views: 1518

Re: Satellite Phone rental for foreign travel

Google Fi did not work for me in India. Satellite phones are banned in India. Google Fi worked fine for me in Delhi in December. I bought an Airtel sim anyway because I was spending a few weeks in India and it was so cheap, but even if you plan on buying a local sim Google Fi is nice for the connec...
by jpsfranks
Sat Mar 02, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: Satellite Phone rental for foreign travel
Replies: 23
Views: 1518

Re: Satellite Phone rental for foreign travel

You really don't need a satellite phone. Check if your phone will work, in the place you are visiting. Most modern smartphones will work in any developed country and most second world places too. Satellite phones are for wilderness adventures far away from civilization. But you might end up paying ...
by jpsfranks
Sat Mar 02, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 92
Views: 8814

Re: Sellers beware on eBay.

I don't understand. You are buying USPS postage either way, just at a somewhat discounted rate via the eBay/Paypal portal. It has the same validity as if you bought it retail yourself but is cheaper and generally more convenient. And if you buy it via the portal it will automatically add the tracki...
by jpsfranks
Sat Mar 02, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 92
Views: 8814

Re: Sellers beware on eBay.

If you purchase and print a USPS shipping label from eBay/PayPal I believe you get commercial discounted rates less than what you would pay retail at the post office. Further if your package is less than 1lb you can print a tracked First Class (as opposed to Priority) label which is cheaper and alm...
by jpsfranks
Sat Mar 02, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 92
Views: 8814

Re: Sellers beware on eBay.

My question- if I HAD purchased and printed the label off Ebay, then dropped the package off at USPS (in a mailbox for example), what would've happened? as clearly it wasn't enough postage. Anyone run into this issue? :confused I don't sell on Ebay a lot but its def far easier to print a label from...
by jpsfranks
Fri Mar 01, 2019 2:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 589
Views: 45321

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts]

iamblessed wrote:
Fri Mar 01, 2019 12:57 pm
How long has Fidelity had this CMA account?
I don't know exactly when they started it but I have had a cash account since 2007 (I think then it was branded a "mySmartCash" account). Fidelity has supported various checking functions out of normal brokerage accounts for much longer than that.