Search found 1433 matches

by Rainier
Sat Oct 12, 2019 6:54 pm
Forum: Investing - Theory, News & General
Topic: BRK-A or BRK-B for our grandchildren?
Replies: 33
Views: 4013

Re: BRK-A or BRK-B for our grandchildren?

It's great that they're interested in this at such a young age. It all started when the grandkids watched CNBC and saw that Warren Buffett ate at McDonald's every morning and drank 5 cans of Coke everyday. It doesn't appear that Berkshire Hathaway even own McDonalds or Coca Cola stock anymore: http...
by Rainier
Fri Oct 11, 2019 6:39 pm
Forum: Investing - Theory, News & General
Topic: Payment for Order Flow
Replies: 7
Views: 625

Re: Payment for Order Flow

You have to trade hundreds of thousands of shares / dollars for this to matter.

Fidelity had this stupid graphic last week comparing my commissions paid ytd and price improvement. $20 of commission, 47 cents of price improvement.
by Rainier
Thu Oct 10, 2019 10:11 am
Forum: Personal Investments
Topic: Fidelity Full View?
Replies: 47
Views: 5645

Re: Fidelity Full View?

Artful Dodger wrote:
Thu Oct 10, 2019 9:08 am
Not in Fullview, but once you have accounts loaded in Fullview, you can click on Analysis on your Fidelity screen, choose which accounts to include (Fidelity and non-Fidelity), and run Asset Allocation.
That's it, thank you!
by Rainier
Thu Oct 10, 2019 8:15 am
Forum: Personal Investments
Topic: Fidelity Full View?
Replies: 47
Views: 5645

Re: Fidelity Full View?

Got it to work with Firefox. I'm most interested in asset allocation but there is no way to pick which accounts to include. My kids UTMAs are on the same login along with in law's IRAs so their accounts get lumped into the asset allocation along with my checking account. I could swear you could manu...
by Rainier
Thu Oct 10, 2019 7:19 am
Forum: Personal Investments
Topic: Fidelity Full View?
Replies: 47
Views: 5645

Re: Fidelity Full View?

Anybody still using this? I'd prefer to stick within Fidelity over Personal Capital. I went into my account this morning to enable full view and it takes me to a new "full view" login....but when I enter my Fido login credentials it doesn't work. Do I need a different login? Maybe they are just wor...
by Rainier
Thu Oct 10, 2019 5:25 am
Forum: Personal Investments
Topic: Fidelity Full View?
Replies: 47
Views: 5645

Re: Fidelity Full View?

Anybody still using this? I'd prefer to stick within Fidelity over Personal Capital. I went into my account this morning to enable full view and it takes me to a new "full view" login....but when I enter my Fido login credentials it doesn't work. Do I need a different login? Maybe they are just work...
by Rainier
Thu Oct 10, 2019 5:07 am
Forum: Personal Consumer Issues
Topic: Office Startpage for Web Browser
Replies: 11
Views: 924

Re: Office Startpage for Web Browser

Thanks. Tried Reuters yesterday. Nice with no ads but the main page doesn't auto-update, only the scrolling bar on the left.

Might try BBC News today.
by Rainier
Wed Oct 09, 2019 5:33 am
Forum: Personal Consumer Issues
Topic: Office Startpage for Web Browser
Replies: 11
Views: 924

Office Startpage for Web Browser

Currently my homepage at work is Yahoo Finance and I'm pretty much fed up with it. Toxic financial dribble, annoying ads and auto playing videos. Any other suggestions for a startpage that is generally news oriented? I'm not interested in CNN or FoxNews. I'd like something more balanced (if that exi...
by Rainier
Wed Oct 09, 2019 5:27 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital website?
Replies: 26
Views: 2375

Re: Personal Capital website?

Wow, thanks for all the quick replies. Sounds like it's worthwhile. I like it so far, but literally just signed up. Hopefully, the marketing side of it isn't too annoying, but I don't usually answer unknown phone calls anyway. :beer Personal Capital is not free. It is no different from Facebook or ...
by Rainier
Tue Oct 08, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: NY Times $1 per week digital
Replies: 41
Views: 6043

Re: NY Times $1 per week digital

I did this a few months ago.

Good luck trying to cancel. Can't do it online, requires a phone call to multiple different departments and hard sells to keep you on.
by Rainier
Sun Oct 06, 2019 5:08 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15945

Re: How many are switching from Fidelity?

I likely will move some assets to Schwab. My SIMPLE is already there.

I will leave enough at Fido to stay a premium client though.
by Rainier
Sun Oct 06, 2019 4:32 pm
Forum: Personal Investments
Topic: Where to put cash at Schwab taxable acct
Replies: 18
Views: 2252

Re: Where to put cash at Schwab taxable acct

When calculating the yields, don’t forget to subtract the high Schwab net expense ratios of about .34% for each fund. Although this won’t matter much in choosing between the three money market funds, the high expense ratio on money markets and cash is how Schwab makes their money. Also be aware of ...
by Rainier
Sun Oct 06, 2019 6:32 am
Forum: Personal Investments
Topic: All in on VT?
Replies: 30
Views: 4732

Re: All in on VT?

Are there any other low cost alternatives to VT (from Fidelity, Schwab, iShares, etc.)?

I'm searching, but not seeing any other total world funds outside Vanguard.
by Rainier
Fri Aug 16, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: UK SIM - Prepaid / Mostly Data
Replies: 5
Views: 342

Re: UK SIM - Prepaid / Mostly Data

I was in UK for 2 weeks last month and I bought these sims for everybody in my family - worked great!! The best part is you can buy them from Amazon here in US so you dont have to waste time looking to buy once u land in UK: https://www.amazon.com/gp/product/B07NLCL9SP/ref=ppx_yo_dt_b_asin_title_o0...
by Rainier
Fri Aug 16, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: UK SIM - Prepaid / Mostly Data
Replies: 5
Views: 342

UK SIM - Prepaid / Mostly Data

I am going to the UK for a week and looking to pickup a local SIM for my unlocked phone. Any recommendations? Data is the most important to me, but I may also make some local phone calls (texting doesn't matter at all). UK data prices seem high to me (but maybe I'm not looking in the right place). W...
by Rainier
Tue May 28, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: London / UK Summer Trip
Replies: 57
Views: 3568

Re: London / UK Summer Trip

Agreed -coincidentally, just what we're planning to do in a couple of weeks; train from LHR to Bath after an early morning arrival ; pick up car after an overnight stay and drive to Cornwall for a five day stay, then drop the car off at Totnes (thank you Hertz for making this easy) and fast-ish tra...
by Rainier
Tue May 28, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: London / UK Summer Trip
Replies: 57
Views: 3568

Re: London / UK Summer Trip

Agreed -coincidentally, just what we're planning to do in a couple of weeks; train from LHR to Bath after an early morning arrival ; pick up car after an overnight stay and drive to Cornwall for a five day stay, then drop the car off at Totnes (thank you Hertz for making this easy) and fast-ish tra...
by Rainier
Mon May 27, 2019 7:13 am
Forum: Personal Consumer Issues
Topic: London / UK Summer Trip
Replies: 57
Views: 3568

Re: London / UK Summer Trip

Saturday) Arrive early AM, pickup car in Heathrow and drive to farm outside Bath (gives kids a chance for a short nap in the car to power through the first day) I would question that part of the plan. Driving on the left takes some getting used to and doing it when you are jet lagged and may not ha...
by Rainier
Mon May 27, 2019 6:38 am
Forum: Personal Consumer Issues
Topic: Moto G7 Review after 2 days
Replies: 12
Views: 1968

Re: Moto G7 Review after 2 days

You should check out Google Fi and see if it works where you live and could save you money (it's not the best option for everyone). Since the Moto G7 is a supported Google Fi device you would get wifi calling and the ability to switch networks. If you are a heavy data user Google Fi is not the usual...
by Rainier
Mon May 27, 2019 6:07 am
Forum: Personal Consumer Issues
Topic: London / UK Summer Trip
Replies: 57
Views: 3568

Re: London / UK Summer Trip

Okay, I have nailed down an itinerary and transport (all still changeable), but I am happy with it. To answer a few questions/concerns. Kids are experienced overseas travelers and handle jet lag quite well (better than the parents). We are happy doing nothing in the quiet villages other than going f...
by Rainier
Sun May 26, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: London / UK Summer Trip
Replies: 57
Views: 3568

Re: London / UK Summer Trip

Here's what I am thinking now: Saturday) Arrive early Saturday AM to LHR, take express train to London. Tour London (London) Sunday) Tour London (London) Monday) Tour London, evening train to York (York) Tuesday) Tour York (York) Wednesday) Pickup rental car drive towards Wales highlands (night in W...
by Rainier
Sun May 26, 2019 5:29 am
Forum: Personal Consumer Issues
Topic: London / UK Summer Trip
Replies: 57
Views: 3568

Re: London / UK Summer Trip

Thank you for all the suggestions and new ideas. Lots of stuff to research now. I'm open to a car, as long as it does not involve central London driving (I have driven quite a bit on the right hand side so that's not the issue). Bath and York are great new ideas. Ironically, on a trip into NYC last ...
by Rainier
Sat May 25, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: London / UK Summer Trip
Replies: 57
Views: 3568

Re: London / UK Summer Trip

Also, what about staying in a quiet suburb and taking day trips into London? Is that possible?

I want my kids to see London but I'm indifferent to big cities.
by Rainier
Sat May 25, 2019 5:37 am
Forum: Personal Consumer Issues
Topic: London / UK Summer Trip
Replies: 57
Views: 3568

London / UK Summer Trip

So I just booked a flight to London for my families' summer trip in late August (2 adults, 2 grade schoolers). It's been a long time since I have been to London so I am not that familiar with the city. The plan is to spend 2 nights in London then head out to The Cotswolds for 5 nights to stay in a q...
by Rainier
Sun Apr 07, 2019 6:33 am
Forum: Personal Consumer Issues
Topic: Family flying - picking seats at booking
Replies: 75
Views: 5389

Re: Family flying - picking seats at booking

Sounds like your kids are pretty young.

I'd risk and let the airline deal with the consequences of putting your 2 year old in the middle seat 10 rows away from you. The 2 year old's seat mates will be equally displeased and all will work out.
by Rainier
Sun Apr 07, 2019 5:50 am
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 8493

Re: Huge AIrBNB Cancellation Charge

Thanks for all the data points cementing my concerns for using AirBnB. Not necessarily the OPs, but others have some good examples. My problem with these sites is the ability for the host to cancel for any reason with very short notice. In this case are there state contract laws that could help you?...
by Rainier
Fri Mar 29, 2019 7:44 pm
Forum: Personal Consumer Issues
Topic: Best car seat for air travel
Replies: 30
Views: 1698

Re: Best car seat for air travel

If you worry about this yet walk around without wearing a helmet you really don't understand risk. The fact that you even drove to the airport should have you crying in fear. Quick, name the last jet liner crash in America that involved a fatality and exclude the person who got run over by the fire ...
by Rainier
Thu Mar 28, 2019 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Worth Keeping AMEX Gold Delta Skymiles CC?
Replies: 23
Views: 4265

Re: Worth Keeping AMEX Gold Delta Skymiles CC?

FYI, this card has a 60,000 mile bonus right now after spending $2,000 in 3 months plus a $50 credit if you make any purchase on Delta in the first 3 months as well. Does anybody know how fast miles get posted to your Delta account after the statement closes? Is it the same as other AMEX cards where...
by Rainier
Thu Mar 28, 2019 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing Chase freedom 5%
Replies: 27
Views: 3000

Re: Maximizing Chase freedom 5%

Next quarter and groceries are a toss up for me. I don't need to manufacture spending to get to $1,500 on groceries, the issue is diverting the spending from 4x MR points on my AMEX Gold card. With the CSR 1.5x bonus and valuing AMEX MR points at 1.9 cents its an even match. Not sure I want to load ...
by Rainier
Thu Mar 28, 2019 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing Chase freedom 5%
Replies: 27
Views: 3000

Re: Maximizing Chase freedom 5%

Don't forget, if you have a CSR the Freedom points aren't worth 5%, they are worth 7.5% when booking travel on the Chase website. What's the fee to buy a Visa gift card? that's only if you have the Chase sapphire reserved (50% more) or the CS preferred (25%) more. without either, you're not getting...
by Rainier
Thu Mar 28, 2019 5:36 am
Forum: Personal Finance (Not Investing)
Topic: Maximizing Chase freedom 5%
Replies: 27
Views: 3000

Re: Maximizing Chase freedom 5%

Don't forget, if you have a CSR the Freedom points aren't worth 5%, they are worth 7.5% when booking travel on the Chase website.

What's the fee to buy a Visa gift card?
by Rainier
Sun Mar 17, 2019 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: American Airlines Food Voucher
Replies: 1
Views: 488

American Airlines Food Voucher

I'll spare the details but I have a food voucher that AA gave me. It's printed on an old fashion ticket and sure looks a lot like they are storing value in a MasterCard prepaid card. 16 digits, expiration, CVV code (and it says MasterCard). I'm in town spending my own money for food and will likely ...
by Rainier
Tue Mar 05, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Flights to Europe
Replies: 35
Views: 2577

Re: Flights to Europe

Dif you check Google flights? If you do not want to fly TAP it is showing a $630 flight to Rome on Delta on those dates or a $469 flight to Barcelona on United. Yep, checking Google Flights daily! Am leaning toward Barcelona now instead of Milan due to price, though family is more lukewarm. Everyon...
by Rainier
Tue Mar 05, 2019 6:41 am
Forum: Personal Consumer Issues
Topic: Flights to Europe
Replies: 35
Views: 2577

Re: Flights to Europe

WoW and XL are also options to check. Iceland is also one of the greatest places to visit. Isn't WOW out of business? Others have suggested Norwegian and TAP, both also on the fast track to going bankrupt. I'd fly them and risk it, but something to think about. For regular airlines prices are unlik...
by Rainier
Tue Mar 05, 2019 6:31 am
Forum: Personal Consumer Issues
Topic: Retirement in Switzerland
Replies: 53
Views: 5209

Re: Retirement in Switzerland

Good luck - which area in Switzerland do you like to visit? Michael Thanks all. We have been skiing in Zermatt for the past five years and I have been doing a summer trail running trips to Grindelwald. This is the first year we have skied during the peak British Half Term week and honestly looking ...
by Rainier
Mon Mar 04, 2019 6:04 am
Forum: Personal Consumer Issues
Topic: Retirement in Switzerland
Replies: 53
Views: 5209

Re: Retirement in Switzerland

Agree think that’s the right question. For equities, probably global cap-weighted, perhaps with modest Europe bias. I would not bias equities toward CH - not a great currency hedge since CH public companies are doing majority of their business elsewhere; and sector concentration (life sciences and ...
by Rainier
Sun Mar 03, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: Retirement in Switzerland
Replies: 53
Views: 5209

Re: Retirement in Switzerland

I go to Europe a few times a year for leisure travel and to me, Switzerland is outrageously expensive. I was in Alsace France and Lucerne in late spring 2017. The hotel was almost double what I stayed in in France and food was ridiculous - a pizza and beer was about $12 in France and about $25 in L...
by Rainier
Sun Mar 03, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Retirement in Switzerland
Replies: 53
Views: 5209

Re: Retirement in Switzerland

So maybe the better question is, if you were Swiss what would you be investing in?
by Rainier
Sun Mar 03, 2019 8:24 am
Forum: Personal Investments
Topic: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?
Replies: 21
Views: 2556

Re: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?

Good decision, TD is a major headache. I'd just auto roll short term treasuries at Fidelity. No cost to buy or sell.
by Rainier
Sun Mar 03, 2019 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Wow, my paycheck is now at 2015 levels after the "tax cut"
Replies: 19
Views: 3243

Re: Wow, my paycheck is now at 2015 levels after the "tax cut"

Are you looking for recommendations?

Move to a low or no tax state
Have loads of kids for the child tax credit (likely not cost effective)
Convert your income from W-2 to QBI and take the 20% deduction
by Rainier
Sat Mar 02, 2019 7:05 pm
Forum: Personal Consumer Issues
Topic: Satellite Phone rental for foreign travel
Replies: 23
Views: 1713

Re: Satellite Phone rental for foreign travel

Second for Google Fi as well. You might even like it as your main line for the US. Full high speed data at 1 cent per mb, pay only for what you use. You can suspend service while in the US You could even toss the SIM in an old iphone and get full international capabilities. SAT phone is serious over...
by Rainier
Fri Mar 01, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: Retirement in Switzerland
Replies: 53
Views: 5209

Re: Retirement in Switzerland

Rainer I was more thinking of single country risk.... in ten years you would be subject to the risk of currency variation, economic risk of US (vs other countries.... US in recession vs "normal" but subdued internationally), inflation risk of CH different than US, ..... {when there, kept francs and...
by Rainier
Fri Mar 01, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Retirement in Switzerland
Replies: 53
Views: 5209

Re: Retirement in Switzerland

No wonder Swiss Air delayed a flight from Zurich to Boston for an hour waiting for me arrive from a connecting flight. Guess they didn't want to feed us and put us up for the night. I must keep missing the joke. As I have explained several times now that after you factor in tax and tips food prices...
by Rainier
Fri Mar 01, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: Retirement in Switzerland
Replies: 53
Views: 5209

Re: Retirement in Switzerland

No love for Liechtenstein? Possibly a tad cheaper. But again, there would likely be residency issues. FL seemed a bit more "closed" to outsiders when traveling through (Schaan, didn't go to Vaduz) but seems a bit quirky.... The OP didn't mention which area of Switzerland... (personally I didn't lik...
by Rainier
Fri Mar 01, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: Retirement in Switzerland
Replies: 53
Views: 5209

Re: Retirement in Switzerland

I assume that you currently travel there despite your plan being a bit off. It is not easy to do online, but I would explore banking options. Then about 5-10 years from now I would start stock piling cash in Switzerland perhaps using a very conservative allocation. 50%-50%. My goal would be to have...
by Rainier
Fri Mar 01, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: Retirement in Switzerland
Replies: 53
Views: 5209

Re: Retirement in Switzerland

Unless you have a way to obtain Swiss Citizenship or a residency permit, you will unable to rent an apartment, or buy something. not sure on long-term rental from an AirB&B type setup, so make sure you factor in hotel costs. FYI - for a residency permit, you could get one showing 120K chuffs of inc...
by Rainier
Fri Mar 01, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Retirement in Switzerland
Replies: 53
Views: 5209

Re: Retirement in Switzerland

Can't live on Corona's alone. We vacationed in Italy in 2015 and I took the Bernina Express train to Pontresina for 2 days. Come on a week long ski vacation with me and I'll prove otherwise... Sticker shock can be high at restaurants but in Switzerland what you see is what you pay. In the US add 25...
by Rainier
Fri Mar 01, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Retirement in Switzerland
Replies: 53
Views: 5209

Re: Retirement in Switzerland

In the next 10-15 years I plan to spend 3-5 months a year living in Switzerland. I'm wondering how you would invest your retirement assets to hedge against the difference in economies (US/Switzerland). Or, would you do anything at all? So you plan, to spend between 40 and 60 months in Switzerland o...
by Rainier
Thu Feb 28, 2019 7:53 pm
Forum: Personal Consumer Issues
Topic: Retirement in Switzerland
Replies: 53
Views: 5209

Re: Retirement in Switzerland

I've vacationed often in Switzerland and the exchange rate to the $ is not just bad, it's really really bad. It would take a great deal more money than I have to retire in Switzerland. A couple questions: What's the health care story? Have you considered Austria? Corona at a bar costs $5 plus tax a...
by Rainier
Thu Feb 28, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: Retirement in Switzerland
Replies: 53
Views: 5209

Retirement in Switzerland

Not sure where this post belongs as it crosses several topics. In the next 10-15 years I plan to spend 3-5 months a year living in Switzerland. I'm wondering how you would invest your retirement assets to hedge against the difference in economies (US/Switzerland). Or, would you do anything at all? H...