Search found 968 matches

by jpsfranks
Tue Nov 05, 2019 6:05 pm
Forum: Investing - Theory, News & General
Topic: Robinhood, Heading for a Trainwreck?
Replies: 41
Views: 5380

Re: Robinhood, Heading for a Trainwreck?

Even if one were not deterred by the apparent holes in their trading platform, now that everyone and their brother is offering commission free trades what would be the reason to choose Robin Hood as your brokerage today?
by jpsfranks
Sat Nov 02, 2019 1:20 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 88
Views: 13693

Re: Chase $750 for depositing 75K

So since this account only gives you.01% APY are you guys just funding it with $75K for 90 days and then pulling your money to get the bonus? Seems like a good deal as long as it isn't a hassle to get your money out... If you open a linked You Invest brokerage account (the complication I was dealin...
by jpsfranks
Sat Nov 02, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: best bank bonus (savings/checkings) for $75K
Replies: 12
Views: 1681

Re: best bank bonus (savings/checkings) for $75K

I don't know about best, but I just did a Chase deal for $1k described in this thread:

viewtopic.php?f=1&t=292340
by jpsfranks
Wed Oct 30, 2019 9:52 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 88
Views: 13693

Re: Chase $750 for depositing 75K

Yes, you need to be sure that the You Invest account is linked to your Sapphire account before funding. I suggest speaking with a rep in your local branch to ensure this happens. I had asked the rep at the branch about the You Invest linkage and they were sure that opening a brokerage account onlin...
by jpsfranks
Wed Oct 30, 2019 12:39 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 88
Views: 13693

Re: Chase $750 for depositing 75K

For those who participated in this deal, did you schedule the branch meeting to set things up or did you just walk in? To answer my own question, I ended up just walking in and opened the Sapphire Checking account with a representative. Was in and out in 15 minutes. The rep could not assist me with...
by jpsfranks
Sun Oct 27, 2019 6:18 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 88
Views: 13693

Re: Chase $750 for depositing 75K

For those who participated in this deal, did you schedule the branch meeting to set things up or did you just walk in?
by jpsfranks
Sun Oct 20, 2019 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1197
Views: 145678

Re: Fidelity as a one stop shop

The Fidelity card has a 1% foreign transaction fee on purchases, the Schwab card has none (i.e. using it as a debit card rather than at an ATM to make a withdrawal, neither card has fee on ATM withdrawals). I never use debit cards for purchases so this does not matter to me.
by jpsfranks
Fri Oct 11, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: duckduckgo
Replies: 31
Views: 4094

Re: duckduckgo

You can download information associated with your Google account here: https://takeout.google.com/ I think the more invasive things have nothing to do with searches (and therefore switching to DuckDuckGo is not a remedy). For example if you have Google Maps location history enabled on your phone the...
by jpsfranks
Thu Oct 10, 2019 11:33 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 83
Views: 8434

Re: Fidelity to $0 Commissions

In light of other firms already making this change, it would have been tough for Fidelity to continue their "Zero" marketing campaign while still charging trading commissions.
by jpsfranks
Wed Oct 09, 2019 11:16 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15811

Re: How many are switching from Fidelity?

Fidelity follows suit and eliminates trading commissions. https://www.wsj.com/articles/fidelity-is-latest-to-cut-online-trading-commissions-to-zero-11570680060 I don't really see any announcement on Fidelity's site about it but if I queue up a market order for tomorrow I see a $0 estimated commission.
by jpsfranks
Thu Aug 08, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: SIM cards for Iceland, Germany (Bavaria), Austria and switxelsnd
Replies: 7
Views: 380

Re: SIM cards for Iceland, Germany (Bavaria), Austria and switxelsnd

A Google Fi SIM will work in all those countries. It's a great travel amenity.

Otherwise a SIM purchased locally in Europe should roam to anywhere in the Economic Area (all the countries listed except Switzerland).
by jpsfranks
Thu Aug 08, 2019 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1197
Views: 145678

Re: Fidelity as a one stop shop

I had something new (at least for me) happen today. I transferred some money from an Ally online savings account to my Fidelity CMA account (a push from Ally to Fidelity). In my Fidelity CMA account I have an existing balance in FZDXX (a money market fund), no money in the core position (the core po...
by jpsfranks
Fri Apr 12, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 4699

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: 4699

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: 5396

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: 4699

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: Fidelity as a one stop shop
Replies: 1197
Views: 145678

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: 5396

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: 374

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: 374

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: 3365

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: 3365

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: 3365

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: 3365

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: 8448

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: 15977

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: 2527

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: 4361

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: 1976

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: 4209

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: 902

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: 631
Views: 63068

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: 15977

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: 15977

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: 5513

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: 3482

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: 2584

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: 2584

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: 2584

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: 1475

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: 2695

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: 3868

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: 32
Views: 3573

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: 14315

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: 14315

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: 3868

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: 3868

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: 631
Views: 63068

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: 438

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: 664

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 ...