Search found 587 matches

by bostondan
Thu Nov 07, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

Does it show anywhere on the web page whether your ATM fees will be reimbursed? This is for the investment account, not the CMA. I don’t see that anywhere. You can always just test it out and see what happens. My ATM fees are mostly reimbursed within a few days or a week. I don't have the debit car...
by bostondan
Thu Nov 07, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

indexfundfan wrote:
Thu Nov 07, 2019 3:24 pm
Does it show anywhere on the web page whether your ATM fees will be reimbursed? This is for the investment account, not the CMA.
I don’t see that anywhere. You can always just test it out and see what happens. My ATM fees are mostly reimbursed within a few days or a week.
by bostondan
Mon Nov 04, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: Boston-area prenup attorney recommendation
Replies: 0
Views: 191

Boston-area prenup attorney recommendation

Hi all, I am looking for a recommendation for a prenup attorney that works in Boston or the surrounding area for a family member. This family member has assets of around $3m, most of which is in trust, and is marrying someone that likely has substantially more assets than that. I have had good recom...
by bostondan
Sun Nov 03, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: What to do if HOA hasn't file taxes
Replies: 14
Views: 1162

Re: What to do if HOA hasn't file taxes

I am surprised people are able to buy a condo with a mortgage without financial statements. Those along with the ByLaws, meeting minutes and insurance policy are typically part of the documents package required for a conventional mortgage. We did get financial statements, but tax filings were not i...
by bostondan
Sun Nov 03, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: What to do if HOA hasn't file taxes
Replies: 14
Views: 1162

Re: What to do if HOA hasn't file taxes

In my state HOAs are required by law to produce financial statements annually. Do you even have the records to generate tax returns going back to 2001? If not, I don't know what you can do. If they only had one bank account, maybe you can get the bank records. If they had other accounts you don't e...
by bostondan
Sun Nov 03, 2019 5:38 am
Forum: Personal Finance (Not Investing)
Topic: What to do if HOA hasn't file taxes
Replies: 14
Views: 1162

Re: What to do if HOA hasn't file taxes

Just to add to this, I found a form from the IRS buried deep within the papers, with the trust documents, that was from 2010 stating that no tax returns had been filed since at least 2001 and that it should be rectified immediately. I found no other documents to suggest that those taxes were actuall...
by bostondan
Sat Nov 02, 2019 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: What to do if HOA hasn't file taxes
Replies: 14
Views: 1162

Re: What to do if HOA hasn't file taxes

If nobody has any information about prior taxes, which is what I expect, and I can’t find the associations tax ID, then how am I supposed to proceed? I assume a tax ID was assigned given that the HOA has a bank account with TD Bank.
by bostondan
Sat Nov 02, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: What to do if HOA hasn't file taxes
Replies: 14
Views: 1162

Re: What to do if HOA hasn't file taxes

I was the President (and frankly only present) member of a 6 unit association. I filed taxes annually, and given my accounting background, it was not hard. In your situation, I would file the returns (federal and state) and pay whatever penalties are due (if any). I would make sure I stay on top of...
by bostondan
Sat Nov 02, 2019 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: What to do if HOA hasn't file taxes
Replies: 14
Views: 1162

Re: What to do if HOA hasn't file taxes

I was the President (and frankly only present) member of a 6 unit association. I filed taxes annually, and given my accounting background, it was not hard. In your situation, I would file the returns (federal and state) and pay whatever penalties are due (if any). I would make sure I stay on top of...
by bostondan
Sat Nov 02, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: What to do if HOA hasn't file taxes
Replies: 14
Views: 1162

What to do if HOA hasn't file taxes

I just took over as treasurer of our three-unit condo complex. It appears that the HOA may have never filed taxes. However, it only has a small reserve and has more than $5 of interest in the low-yield checking account. It is my understanding that an HOA must file form 1120 or 1120-H, regardless of ...
by bostondan
Sat Nov 02, 2019 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

The limit on my account seems to be $1020 for me and $1020 for my wife's card. I took out cash today and it lowered the remaining amount on my daily limit, but my wife's remains at $1020. So it seems that we could jointly take out $2040 per day if needed. For a CMA or a brokerage account? Fidelity ...
by bostondan
Sat Nov 02, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

The limit on my account seems to be $1020 for me and $1020 for my wife's card. I took out cash today and it lowered the remaining amount on my daily limit, but my wife's remains at $1020. So it seems that we could jointly take out $2040 per day if needed.
by bostondan
Sun Oct 20, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

I extensively used my debit card for CMA during a recent trip to Japan. The 7/11s there have international ATMs that charge 220 yen as fees. I can confirm that Fidelity reimbursed that fee every single time. I also got decent foreign exchange rates there. I just had to inform Fidelity ahead of time...
by bostondan
Fri Oct 18, 2019 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

As much as I am glad that trades are now free, I had just recently transferred enough money to qualify for the 500 free trade bonus. I guess I’m not “losing” anything because I still get free trades, but I do feel like I no longer am getting any particular bonus for transferring money to Fidelity.
by bostondan
Fri Oct 11, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

As mentioned in the leaving Fidelity thread, Fidelity has now joined the no-commission crowd: https://www.bostonglobe.com/business/2019/10/10/fidelity-joins-price-war-with-zero-commissions-online-trades/1sMTVwEgL1NZs4EcOBiqmJ/story.html Looks like I’m changing all my Fidelity Mutual Funds in my RIR...
by bostondan
Fri Oct 11, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

As mentioned in the leaving Fidelity thread, Fidelity has now joined the no-commission crowd: https://www.bostonglobe.com/business/2019/10/10/fidelity-joins-price-war-with-zero-commissions-online-trades/1sMTVwEgL1NZs4EcOBiqmJ/story.html Looks like I’m changing all my Fidelity Mutual Funds in my RIR...
by bostondan
Wed Oct 09, 2019 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

I encountered another issue, this time with bill pay. It does not allow me to select total balance, instead only paying the amount due. This results in the automatic payments being for $25 and leaving a balance on the credit card. BofA always allowed me to pay the full balance with ebills. I called...
by bostondan
Wed Oct 09, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

I encountered another issue, this time with bill pay. It does not allow me to select total balance, instead only paying the amount due. This results in the automatic payments being for $25 and leaving a balance on the credit card. BofA always allowed me to pay the full balance with ebills. I called ...
by bostondan
Sun Sep 29, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: Home energy/electricity monitoring?
Replies: 56
Views: 3107

Re: Home energy/electricity monitoring?

Does the building have a separate electrical panel for common elements at all? You can test this by turning off breakers in your panel to see if the lighting in the common areas shuts off when you kill the power in your panel. I think the common hallway lights go to a separate panel, which only has...
by bostondan
Sat Sep 28, 2019 2:36 pm
Forum: Personal Consumer Issues
Topic: Home energy/electricity monitoring?
Replies: 56
Views: 3107

Re: Home energy/electricity monitoring?

Well, after ordering the Sense monitor, it turns out it won't fit inside my electrical panel. I was looking forward to giving it a try. Very anticlimactic. Instead I just tried harder to find the source of the higher usage and I discovered the bulk of it is our dehumidifier in the basement. It is us...
by bostondan
Thu Sep 19, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

Long-time Fidelity customer (as well as Vanguard) and just consolidated paycheck direct deposit, billpay, checking, etc. at Fidelity so I could make some interest. I've never actually used the ATM/Debit card, only electronic transactions. Today someone withdrew about $500 from an ATM 300 miles away...
by bostondan
Thu Sep 19, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

Long-time Fidelity customer (as well as Vanguard) and just consolidated paycheck direct deposit, billpay, checking, etc. at Fidelity so I could make some interest. I've never actually used the ATM/Debit card, only electronic transactions. Today someone withdrew about $500 from an ATM 300 miles away...
by bostondan
Thu Sep 19, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: Home energy/electricity monitoring?
Replies: 56
Views: 3107

Re: Home energy/electricity monitoring?

So just for comparison sake we used about 890 KW in August in NJ. We have a gas (stove, hot water heater and dryer) and all LED lights and LED TVs. Our house is only 2200 square foot. So to me your usage seems fine. Wall AC units aren't that efficient and it's been pretty warm recently so your usag...
by bostondan
Thu Sep 19, 2019 7:59 am
Forum: Personal Consumer Issues
Topic: Home energy/electricity monitoring?
Replies: 56
Views: 3107

Re: Home energy/electricity monitoring?

1. I missed it, but is the square footage the same? Previous square footage was 2000 sqft and current is 2700 sqft. We have window AC units and basically only use the ones in the bedroom (with door closed - bedroom actually smaller now than before), and kitchen (similar size or smaller). So I don't...
by bostondan
Thu Sep 19, 2019 7:52 am
Forum: Personal Consumer Issues
Topic: Home energy/electricity monitoring?
Replies: 56
Views: 3107

Re: Home energy/electricity monitoring?

Turn everything off (unplug if necessary) everything in your condo and check your meter to see if you're still using electricity - daytime, and then once around 9pm. I know of a duplex unit where the laundry room, garage, and exterior lighting was on one unit's meter because there was no meter for ...
by bostondan
Wed Sep 18, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: Home energy/electricity monitoring?
Replies: 56
Views: 3107

Re: Home energy/electricity monitoring?

RickBoglehead wrote:
Wed Sep 18, 2019 8:27 am
My true rate last month was 16.3 cents. That is because 82% of my usage was at off peak rates.
I don’t see anything about off-peak usage on my bill. Our electric meter is the old kind with dials. Does it need to be a newer meter to consider the time of electricity use?
by bostondan
Wed Sep 18, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: Home energy/electricity monitoring?
Replies: 56
Views: 3107

Re: Home energy/electricity monitoring?

Are the bulbs LED? That makes a big difference. Also, have you only received the first bill? Possible that it's covering more than one month. Once you're no longer using the AC, that will also give you an indication of what's using up the electricity. Most of the bulbs are LED, but a handful are CF...
by bostondan
Wed Sep 18, 2019 8:12 am
Forum: Personal Consumer Issues
Topic: iCloud Full - Photos
Replies: 23
Views: 1775

Re: iCloud Full - Photos

Thanks for defining the differences of "sync" and "backup" services. I wasn't aware of this. If I have all my Apple devices set to "sync", can I "unsync" them. I don't like the idea of what gets deleted on one device gets deleted on all devices. Thanks...appreciate your definitions. p.s. I also use...
by bostondan
Tue Sep 17, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: iCloud Full - Photos
Replies: 23
Views: 1775

Re: iCloud Full - Photos

When all pictures and documents are stored and available in iCloud is there any need for an external backup drive any longer? iCloud is a sync service, not a backup. While there is overlap in the definition of these two things, they are not the same. A sync service will delete an item from all loca...
by bostondan
Tue Sep 17, 2019 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

Check if you have enough assets to qualify for free ATMs in the brokerage account. If you do qualify, then you have no need for a CMA account and can simplify to just using a brokerage account for everything. I initially started going down the CMA/brokerage path, but then realized that as a private...
by bostondan
Tue Sep 17, 2019 9:31 pm
Forum: Personal Consumer Issues
Topic: iCloud Full - Photos
Replies: 23
Views: 1775

Re: iCloud Full - Photos

I spent a while trying to find an alternative such as Google Photos so that I wouldn't have to upgrade to the $9.99 iCloud plan. I even have unlimited Google Drive space through my alumni account from medical school. After trialing multiple services, I decided to just pay $9.99/month for 2TB of spac...
by bostondan
Tue Sep 17, 2019 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

Ok, this makes more sense now: ATM card for the perpetually $0 balance CMA, and the checkwriting, direct deposit, and billpay connected to the brokerage SPAXX. Check if you have enough assets to qualify for free ATMs in the brokerage account. If you do qualify, then you have no need for a CMA accou...
by bostondan
Tue Sep 17, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: Home energy/electricity monitoring?
Replies: 56
Views: 3107

Re: Home energy/electricity monitoring?

What is your cost per kWh? This was for 1705 kWh, so the math says about 10.6 cents/kWh. I find it very misleading how Eversource advertises our prices. The website says 10.4 cents/kWh, but they don't point out that delivery charges more than double the cost. We used 922 kWh last month with a total...
by bostondan
Tue Sep 17, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: Home energy/electricity monitoring?
Replies: 56
Views: 3107

Re: Home energy/electricity monitoring?

I've had this product for about a decade. It works well and I like to monitor it. Install was a bit challenging. http://www.theenergydetective.com/ edit; for a condo - distance to your electric box may matter. Looks like a very comprehensive system, but more expensive and a bit more complicated tha...
by bostondan
Tue Sep 17, 2019 8:10 pm
Forum: Personal Consumer Issues
Topic: Home energy/electricity monitoring?
Replies: 56
Views: 3107

Re: Home energy/electricity monitoring?

1) You should compare KwH usage, *NOT* $$$ cost. 2) Did you significantly change geographic location? Utility provider? (OK, the latter would affect rates but shouldn't affect usage, in any significant way. Still...) I stupidly did not save any old electric bills so I'm not entirely sure, and I can...
by bostondan
Tue Sep 17, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: Home energy/electricity monitoring?
Replies: 56
Views: 3107

Home energy/electricity monitoring?

I found some older topics about this, but the market seems to have changed a bit since the prior posts. I recently moved to a new condo and the electricity bill is much higher than I have had in the past. It's not terrible, around $230, but it's substantially higher than our previous similar sized u...
by bostondan
Tue Sep 10, 2019 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

One unexpected perk of the Fidelity account has been the fact that there are two account numbers for the same account. There is the one provided through the website, and another on the checks, though both work just fine. This feature allows for my wife and I to both add the same account to our Venmo...
by bostondan
Sun Sep 08, 2019 9:45 pm
Forum: Personal Consumer Issues
Topic: Finding reliable contractor in Boston area?
Replies: 14
Views: 732

Re: Finding reliable contractor in Boston area?

How “old” is the building? Remember old is relative, in greater Boston you still have homes built in the 1800s 1700s and even a few from the 1600s still occupied as private residences. There are many contractors in he area who know how to work with them. They won’t be the cheapest however... We act...
by bostondan
Sun Sep 08, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: Finding reliable contractor in Boston area?
Replies: 14
Views: 732

Re: Finding reliable contractor in Boston area?

renue74 wrote:
Sun Sep 08, 2019 4:09 pm
Look up NS Builders in the Boston area. I follow them in Instagram and they care for their craft. Seem to do a really good job on many different size projects.
They certainly do a good job with their website and Instagram! I'll fill out their contact form.
by bostondan
Sun Sep 08, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Finding reliable contractor in Boston area?
Replies: 14
Views: 732

Re: Finding reliable contractor in Boston area?

The work you are asking for is small. Contractors are looking for big hits that they can bill tens of thousands of dollars for. Anybody good will be focusing on those larger projects. Anybody good who is not focusing on those larger projects are "working" for GCs who are focusing on larger projects...
by bostondan
Sun Sep 08, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Finding reliable contractor in Boston area?
Replies: 14
Views: 732

Re: Finding reliable contractor in Boston area?

We aren't trying to gut renovate. There are a number of areas that are worn down or look unfinished (e.g. wainscoting that is all warped and gross that we want to either fix or replace with plain wall) and we'd like to make those things nicer. We haven't argued about budget, so it's not like they'r...
by bostondan
Sun Sep 08, 2019 11:58 am
Forum: Personal Investments
Topic: 2 Misleading Fidelity Target Date Funds
Replies: 55
Views: 4461

Re: 2 Misleading Fidelity Target Date Funds

I’ve seen the Frontline piece, but remain unclear about how it applies to these two families of Fidelity funds. Perhaps any company’s offering an actively-managed fund shocks your conscience, but if so that seems a general complaint you have about the industry and has nothing to do with deceptive b...
by bostondan
Sun Sep 08, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Finding reliable contractor in Boston area?
Replies: 14
Views: 732

Finding reliable contractor in Boston area?

tldr: We want a contractor in a Boston suburb who understands older buildings, is overall knowledgable, skilled, interested in making the final appearance of things nice, and can reliably communicate without ignoring calls or text for days/weeks/months at a time. How do I find that person? (please ...
by bostondan
Thu Sep 05, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

Is there any good reason to use the CMA account linked to a brokerage account if I qualify for the free brokerage ATM fees? It seems like it would be much simpler to just do everything through the brokerage account. I know there is a difference in FDIC insurance, but that doesn’t seem as important t...
by bostondan
Wed Sep 04, 2019 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

Good to know it theoretically works still. My local wealth management guy tried it himself this morning and was unable to add a new Fidelity account to his Venmo account. He felt this was concerning and is escalating the issue. Well, it seems that it was effectively escalated and likely resolved. I...
by bostondan
Tue Sep 03, 2019 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

Same routing. Appears to be a Venmo issue I wonder if your bank transfer would fail if you tried now. Venmo support seemed pretty clear that the routing number is not supported. Or perhaps it will be enabled again soon. All the Twitter comments are over the past couple weeks. Nope it worked. I just...
by bostondan
Mon Sep 02, 2019 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

Same routing. Appears to be a Venmo issue I wonder if your bank transfer would fail if you tried now. Venmo support seemed pretty clear that the routing number is not supported. Or perhaps it will be enabled again soon. All the Twitter comments are over the past couple weeks. Nope it worked. I just...
by bostondan
Mon Sep 02, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

BUBear29 wrote:
Mon Sep 02, 2019 1:17 pm
Same routing. Appears to be a Venmo issue

I wonder if your bank transfer would fail if you tried now. Venmo support seemed pretty clear that the routing number is not supported. Or perhaps it will be enabled again soon. All the Twitter comments are over the past couple weeks.
by bostondan
Mon Sep 02, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

My CMA is connected to my Venmo account. Can transfer money in and out with no issue. Correct. That's why I added "does not appear to be supported anymore." It seems they are unable to connect new accounts to Venmo. I confirmed with Venmo that the routing number is on their list of unsupported acco...
by bostondan
Mon Sep 02, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149698

Re: Fidelity as a one stop shop

Just started switching everything over to Fidelity from Bank of America and have encountered the following issues: 1) Venmo does not appear to be supported anymore, despite what the Fidelity website says. It will not allow me to add by routing and account number. I chatted with Venmo and they said t...