Search found 492 matches

by arf30
Wed Jun 12, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 736
Views: 78122

Re: Fidelity as a one stop shop

Lots of banks do early direct deposit these days, I've noticed it with NFCU, Fidelity and Ally, and have heard USAA does it as well. If you're budgeting properly it shouldn't matter either way.
by arf30
Mon Jun 10, 2019 10:02 pm
Forum: Personal Investments
Topic: 2-fund portfolio (+ Savings Account)?
Replies: 6
Views: 1016

Re: 2-fund portfolio (+ Savings Account)?

We do this as well: 2 stock funds + a single combined emergency fund/fixed income allocation in VUSXX.
by arf30
Mon Jun 10, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Checks without my account number
Replies: 39
Views: 3846

Re: Checks without my account number

I'm not sure why you think anyone with your acct number can just withdraw money from your account. Have you had this happen to you? Yes - a family member paid rent by check and the landlord did an ACH debit months afer they moved out without permission and the bank allowed it. It was eventually res...
by arf30
Sun Jun 09, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Checks without my account number
Replies: 39
Views: 3846

Re: Checks without my account number

The banking system in the US is pretty crazy - they'll secure the website with TLS and 2 factor auth.. but then anyone with your account number can just withdraw money from your account. The best you can really do (besides limiting exposure with credit cards and billpay and keeping minimal money in ...
by arf30
Tue Jun 04, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 736
Views: 78122

Re: Fidelity Cash Management Account - Anyone Use it?

It only sells money market, and that can be turned off.
by arf30
Sun Jun 02, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: Recommend a small inexpensive laser printer?
Replies: 39
Views: 2435

Re: Recommend a small inexpensive laser printer?

Brother is the gold standard for consumer printers.
by arf30
Sat Jun 01, 2019 8:54 am
Forum: Investing - Theory, News & General
Topic: Does one need a bank account anymore?
Replies: 60
Views: 4272

Re: Does one need a bank account anymore?

I switched to online banks a few years ago but kept a local checking account with $100 in it just in case - haven't needed it at all. I'm guessing they'll eventually close it for inactivity.
by arf30
Tue May 28, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: What has changed in new home construction over the years?
Replies: 49
Views: 6073

Re: What has changed in new home construction over the years?

I went to an open house in the neighborhood on Saturday for a new construction in the 900k range, 3600 sq feet. The interior was surprisingly rough - sloppy paint, dirty walls, crooked molding with big gaps everywhere, lots of sheet rock issues, the wood floors didn't look fitted right, crooked elec...
by arf30
Sat May 25, 2019 8:02 am
Forum: Personal Finance (Not Investing)
Topic: American Express lowered my credit limit
Replies: 61
Views: 4977

Re: American Express lowered my credit limit

AMEX and other banks are reducing their exposure to credit markets across the board, it's not personal and lots of people are getting these. Capital One reduced the limit recently on one of my seldom used cards.
by arf30
Wed May 22, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 6096

Re: Best small AWD to 'drive into the ground'

Maybe a weird answer but I would look at the Subaru WRX - compared to the base Impreza the newer models have heavier duty wheel bearings, heavier duty manual transmission, heavy duty differentials, same symmetrical AWD, seats 5 adults and reasonably priced. They don't have the engine issues the prev...
by arf30
Tue May 21, 2019 6:08 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 17532

Re: VTSAX or VTWAX over the next 35 years?

My taxable portfolio is 100% VTSAX/VTIAX but if I was starting out today I'd be 100% VTWAX.

My VTIAX cost basis is small enough that I could exchange it for VTWAX and just fund that in the future, I might end up going that route.
by arf30
Fri May 17, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 16
Views: 1478

Re: Capital One Eno

Can you configure the virtual numbers to be single use only? If so, would be useful for sites that require a CC for free trials or purchases from random ecommerce sites.
by arf30
Tue May 14, 2019 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: I accidentally retired, and need tax advice
Replies: 48
Views: 6263

Re: I accidentally retired, and need tax advice

Would probably spend the dividends instead of reinvesting, possibly converting some savings to more bonds, and get some part time work to cover any shortfall. You should be in a low tax bracket and not too concerned about taxes unless you've left out some details.
by arf30
Sat May 11, 2019 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Chase Premier Plus Checking - How to earn maximum interest?
Replies: 13
Views: 1088

Re: Chase Premier Plus Checking - How to earn maximum interest?

Looking at the fees on the premier plus account make it seem like a pretty bad checking account - but the easiest way to meet the minimum is to just buy VMMXX in a YouInvest account
by arf30
Mon May 06, 2019 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle [digital payment system]
Replies: 23
Views: 2646

Re: Zelle

Zelle is one of those services that works great until it doesn't, and then it's a nightmare to get your money back.
by arf30
Tue Apr 30, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 736
Views: 78122

Re: Fidelity as a one stop shop

I keep it simple and just use the FDIC position in the CMA for revolving expenses, plus 10k in SPRXX in the same CMA for emergencies that never gets touched. Nice and easy checking/savings in one.
by arf30
Sat Apr 27, 2019 5:26 pm
Forum: Personal Investments
Topic: Is the YouInvest account the ONLY no fee mutual fund brokerage?
Replies: 8
Views: 722

Re: Is the YouInvest account the ONLY no fee mutual fund brokerage?

drk wrote:
Sat Apr 27, 2019 5:19 pm
I assume you mean Morgan Stanley. JP Morgan owns Chase.
There's another thread on here about Vanguard funds being removed from JP Morgan brokerage accounts (different from YouInvest).
by arf30
Sat Apr 27, 2019 9:29 am
Forum: Personal Investments
Topic: Is the YouInvest account the ONLY no fee mutual fund brokerage?
Replies: 8
Views: 722

Re: Is the YouInvest account the ONLY no fee mutual fund brokerage?

Buying mutual funds outside of their respective brokerage is always risky, especially at a big bank - Chase or Vanguard could decide to revoke the agreement at any time (this actually just happened in the JPMorgan accounts), or Chase could start charging fees, and then you're looking at paying the $...
by arf30
Wed Apr 24, 2019 6:41 am
Forum: Personal Consumer Issues
Topic: Pros/Cons of Condo Living?
Replies: 83
Views: 10858

Re: Pros/Cons of Condo Living?

I bought a 2BR condo after the housing crash 10 years ago. It's quiet and the community is well run. However the value of the condos are pretty much identical to when I bought it, and this is in a hot real estate area. The monthly fees have also increased from $150 to $300 (about $15/year), which is...
by arf30
Thu Apr 18, 2019 2:53 pm
Forum: Personal Investments
Topic: The Final Definitive Thread on Best Brokerage
Replies: 18
Views: 1632

Re: The Final Definitive Thread on Best Brokerage

Probably some combination of Vanguard, Schwab, Fidelity, and maybe Merrill or TD etc.
by arf30
Tue Apr 16, 2019 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Do not use Personal Capital
Replies: 97
Views: 14346

Re: Do not use Personal Capital

I used Personal Capital for a while with a Google Voice number in place of my real phone number and had no issues, pretty similar to Mint or Quicken.
by arf30
Fri Apr 12, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Best online banking accounts?
Replies: 53
Views: 6589

Re: Best online banking accounts?

If you don't need international ATM rebates go Ally as they've got the best website and app, if you do go with Schwab or Fidelity as I've used them to pull out cash in many foreign countries without a problem.
by arf30
Fri Apr 12, 2019 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 736
Views: 78122

Re: Using Fidelity Cash Management as my only bank account

Overdraft used to not support ATM, something about the margin department not being fast enough to cover the transaction. They seem to have fixed it around last summer, so maybe the reps aren't aware of the change yet. I keep my CMA and brokerage separate these days so can't confirm or deny.
by arf30
Tue Apr 09, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is a work-at-home job have the same expectations as the office job?
Replies: 63
Views: 3545

Re: Is a work-at-home job have the same expectations as the office job?

I'm on my second work from home job - the first started as a real corporate job in an office and gradually transitioned to remote. They expected you to keep similar hours to the people at the office, respond to emails and calls and dial into meetings. Even then it was very easy to run errands and do...
by arf30
Tue Apr 09, 2019 8:42 am
Forum: Personal Investments
Topic: HSA in NJ -- is it worth it?
Replies: 14
Views: 863

Re: HSA in NJ -- is it worth it?

Haven't noticed any extra tax burden from an HSA in NJ. We use a tax efficient total stock market fund similar to a taxable brokerage.
by arf30
Sun Apr 07, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: The safety of my Merrill/Vanguard account?
Replies: 3
Views: 383

Re: The safety of my Merrill/Vanguard account?

Yes, you should be using 2 factor authentication on all accounts including email. It will be more of a hassle spending months trying to recover your assets when your account is compromised.
by arf30
Sat Apr 06, 2019 12:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Monthly Statement Envelope
Replies: 21
Views: 2251

Re: Vanguard Monthly Statement Envelope

I don't have financial statements mailed anymore for this reason - the less sensitive documents in the mail the better.
by arf30
Tue Apr 02, 2019 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: New Bank: Schwab or Fidelity
Replies: 20
Views: 1527

Re: New Bank: Schwab or Fidelity

Dottie57 wrote:
Tue Apr 02, 2019 1:34 pm
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 cash management account is FDIC.
by arf30
Tue Apr 02, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 84
Views: 26809

Re: Review after one month with Fidelity Cash Management

In my experience Mint, Personal Capital and Quicken all had various issues categorizing transactions when using a brokerage as a checking account - that's the main reason I'm using the CMA.
by arf30
Mon Apr 01, 2019 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to get cash quickly
Replies: 102
Views: 6605

Re: How to get cash quickly

You can go to any bank and do a cash advance against a debit card to get large amounts of cash. Fidelity and Schwab don't charge a fee for this, not sure about Ally.
by arf30
Sun Mar 31, 2019 8:42 pm
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 205
Views: 12086

Re: Vanguard - Will they ever upgrade their site?

I've got accounts at Schwab, Vanguard, Fidelity and they're all pretty terrible in their own special ways. It's some kind of rite of passage for discount brokers and banks to be bad at technology.
by arf30
Sun Mar 31, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3824
Views: 704059

Re: What's Your Credit Card Rewards Strategy?

Do the Alliant cards require a checking account at Alliant?
by arf30
Sun Mar 31, 2019 3:01 pm
Forum: Personal Investments
Topic: Fido Screws Up and Says "Tough Luck"
Replies: 32
Views: 3164

Re: Fido Screws Up and Says "Tough Luck"

This is pretty standard when you transfer cash between brokerages. If you really want to stay in the market you have to transfer funds (and make sure the destination accepts them).
by arf30
Sat Mar 30, 2019 8:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 623
Views: 52780

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

rtt22 wrote:
Sat Mar 30, 2019 8:44 am
I found out that with Fidelity Cash Management accounts, it's not possible to view the image of the checks that have been paid out.
It does, I can see check images in mine - probably takes a couple days before they show up, especially on a new account.
by arf30
Sat Mar 30, 2019 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 51
Views: 5944

Re: Primer on Paying Taxes With a Credit Card

I got the targeted Fidelity Visa offer last month and decided to pay federal tax with it for the first time (roughly 9k). Gives me an extra month to float the tax payment and I should earn a small amount in CC rewards.
by arf30
Fri Mar 29, 2019 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Anybody else get a huge tax increase due to SALT deduction changes?
Replies: 101
Views: 7174

Re: Anybody else get a huge tax increase due to SALT deduction changes?

Got hit here - $3500 federal refund last year, have to pay $9500 this year. State taxes were unchanged. I changed my W4 from 2 to 0, hopefully that helps a bit for next year.
by arf30
Thu Mar 28, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Maximizing Chase freedom 5%
Replies: 27
Views: 2778

Re: Maximizing Chase freedom 5%

The Freedom never seemed worth it to me with the $1500 limit per quarter on the 5% categories - a lot of extra work for maybe $300/year. Maybe if I was into UR points, but I'm not.
by arf30
Wed Mar 27, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: how to stop gmail spam filtering?
Replies: 7
Views: 446

Re: how to stop gmail spam filtering?

The correct way is to whitelist the sender. Click the 3 dots on the right hand side of the email -> "Filter messages like these" -> "Create Filter" -> select "Never send it to Spam".
by arf30
Mon Mar 25, 2019 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity VISA Question
Replies: 26
Views: 2392

Re: Fidelity VISA Question

I use this card - it's only 2% when redeemed as cash back into a Fidelity account - Fidelity wants that money invested with them. Other redemption methods are less than 2%. I was looking for a 2% cash back card with auto redemption (double cash is manual) so I'm ok with this method.
by arf30
Sat Mar 23, 2019 8:32 am
Forum: Personal Investments
Topic: Switch to Ally or just Keep more in Vanguard Federal Money Market Fund
Replies: 28
Views: 4806

Re: Switch to Ally or just Keep more in Vanguard Federal Money Market Fund

I called Ally to set the debit card limit to zero, no need for an app (it still works at ATMs).
by arf30
Fri Mar 22, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: WiFi Extender
Replies: 40
Views: 2295

Re: WiFi Extender

+1 on mesh routers. Plugged in a 2 node Google WiFi system at home that cleared up all our signal problems and haven't touched in 2 years.
by arf30
Thu Mar 21, 2019 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 736
Views: 78122

Re: Using Fidelity Cash Management as my only bank account

Have been using it without problems, I keep a local BM account with $100 just in case but haven't had to use it.
by arf30
Wed Mar 20, 2019 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: BofA is improving their autopay
Replies: 15
Views: 1424

Re: BofA is improving their autopay

It would be amazing if BofA mortgage finally supported regular autopay instead of ebills.
by arf30
Wed Mar 20, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: A 23% increase from ATT Wireless
Replies: 84
Views: 6238

Re: A 23% increase from ATT Wireless

Look at AT&T Prepaid or Cricket Wireless, they're both owned by AT&T and phones can be switched right over.
by arf30
Wed Mar 20, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: New carry-on policy at United Airlines?
Replies: 47
Views: 3636

Re: New carry-on policy at United Airlines?

EWR is my local hub and I fly United often for work trips, gate checking bags is very common - I think it helps them board faster when people spend less time looking for space in the overhead.
by arf30
Sun Mar 17, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 736
Views: 78122

Re: Fidelity as a one stop shop

What's the requirement to get free ATM fee reimbursement? I suppose it is any ATM fee (world wide)? In the past year or so I've used it in Mexico, Aruba and Ireland and all fees were refunded the next morning. Even if you don't use the CMA as your main checking it's worth having the card for travel.
by arf30
Sun Mar 17, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I leave my local bank
Replies: 43
Views: 3555

Re: Should I leave my local bank

RickBoglehead wrote:
Sun Mar 17, 2019 7:38 am
Many banks will not accept a USPS Money Order via mobile deposit, including Ally.
Ally accepts them by mail, Schwab and others do accept them by mobile.
by arf30
Sun Mar 17, 2019 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Should I leave my local bank
Replies: 43
Views: 3555

Re: Should I leave my local bank

How do you deposit cash or rolls of coins? Can you photograph and mobile-deposit cash and destroy the bills after a couple of weeks? After all, they have unique serial numbers. :mrgreen: I just offloaded several rolls of quarters, dimes, nickels and pennies yesterday, at the same time getting a cri...