Bogleheads.org

grp2c

amindu wrote: ↑
Mon May 18, 2020 12:46 pm
I just called and was advised that you do have to be a member in order to apply.

Huh. That's not what they told me in an email.

grp2c

If anyone needs some jaw dropping rates to pricematch to. Check out these. The credit union doesn't do jumbo loans though. 15y fixed super conforming was 2.25% 0 pts yesterday. https://www.bournscu.coop/loans-and-credit-cards/consumber-loan-rates-copy Is there a catch with these rates? They seem a ...

grp2c

Here is a link to the issue I'm facing. https://www.seattletimes.com/business/fannie-freddie-forbearance-rule-sows-fears-of-mortgage-hangover/ I currently have a 3.5% 30y fixed. I worked hard to negotiate a 2.0% 10/1 arm with 0 pts @ citibank after moving 1 million to get a relationship pricing disc...

grp2c

livelifealittle wrote: ↑
Fri May 15, 2020 1:58 pm
So what happens with your refi now?

Not sure. I canceled forbearance. Paid update. Waiting for current lender to send me a verification letter. Then I'll send that to the new lender.

grp2c

FYI if you are considering refinancing do not ask for covid 19 forbearance from your current lender. I'm kicking myself. I made this mistake and it's complicating the underwriting for my refinance even though there are supposed to be no negative credit affects from the covid 19 forbearance. My loan ...

grp2c

So does this mean the PPP loan is no longer available to self employed sole proprietors who have not been working and have been living off their emergency funds?

grp2c

I'm a sole proprietor. I applied through a local bank (Sunwest) on 4/6. Finally, got a call today from them today saying "we don't know how to process the loan for sole proprietors". We suggest you look elsewhere. This is a joke.

grp2c

I started this process around the beginning of march when rates had just bottomed out. At BOA just walked into my local branch and spoke to the loan officer. Price match required multiple signatures to be approved.

grp2c

If inflation does go up significantly, you could be better off with the 30y fixed at 2.75% vs a 10/1 arm. Part of the reason I went with the 10/1 arm is that I will likely sell within 10 years

grp2c

follow up on my refi process. this turned into insanity. I currently have a 3.5% 30y fixed with 26 years remaining. I started with a credit union refi loan estimate of 3% with -.625 pts on a 980k, 10/1 arm loan (I have 20% equity). I had both citi and boa pricematch. I let them know I was pricematch...

grp2c

Hypothesis: Children are the true "Super Spreaders" There are several stories of transmission by super spreaders with the current outbreak and for other infectious disease outbreaks. What do experts say: wash your hands, don't touch your face, don't interact closely with others (social distancing). ...

grp2c

plumeria wrote: ↑
Wed Mar 11, 2020 3:56 pm
So happy I found this thread as well. Do mind sharing your contact at Citi? I can't get anyone on the phone to speak to and I don't live near a Citi to walk in. Thanks! And thank you to everyone for all their knowledge. Have learned so much

PM'd you.

grp2c

glad I found this thread. locked in 2.625% with no closing costs with Citi after they price matched a local CU on a 10 yr arm with moving 500k to get relationship pricing. Probably could have got it down to 2.5% last week.

grp2c

bsteiner, Thank you. I was hoping you would reply. By "force out all assets by 28", this would only be for the retirement assets, the trust assets that originated from taxable accounts could remain inside the trust, correct? If not, I guess I could setup one trust for retirement assets and one for t...

grp2c

I'm going through estate planning right now. My wife and I are in our 40s with 3 children under 4 and we live in California. Our pretax retirement accounts total over 1 million and our taxable accounts are 1 million. I would like to setup a lifetime trust to provide for our children when they are mi...

grp2c

Slightly better offer available if you call them. They transfer you to their local office who can plug in the offer once you open the account. Just transferred assets a week ago. They reimbursed close out fees from 2 separate brokerages too. What city or branch was this? Any idea what promo code th...

grp2c

E*Trade has a new (as far as I know) deposit bonus offer. If not, consider this a bump. https://us.etrade.com/what-we-offer/how-it-works/brokerage $100 -- $5,000–$24,999 $200 -- $25,000–$99,999 $300 -- $100,000–$249,999 $600 -- $250,000–$499,999 $1,200 -- $500,000–$999,999 $2,500 -- $1,000,000+ Sli...

grp2c

fortfun wrote: ↑
Mon Oct 28, 2019 4:20 pm

Super helpful grp2c! Mind if I PM you for additional details?
Thanks!

Sure

grp2c

I found our itinerary from 2015. We had an amazing time. Self drive with overnights at rest camps and private reserves. We flew into Johannesburg, rented a car and drove to the north end of the park. Then we made our way to the south end of the park. Then back to Johannesburg. 1 night at City Lodge ...

grp2c

I'm curious -- how many Fidelity customers here are planning to switch from Fidelity TSM ETFs/MFs into VTI now? I'm curious about this as well. All my retirement accounts at fidelity hold fidelity index funds and I hold VTI/VV/VOO in my taxable accounts. I probably won't buy VTI/VV/VOO in my retire...

grp2c

I'm very happy with genius scan.

grp2c

Also, I'm assuming Pinnacle is helping you figure out what your annual contributions need to be to meet the plans' goals? One more thing, how did you figure out what portfolio would be best to reach 5% returns per year? I have no problem managing my own portfolio, but shooting for those growth targ...

grp2c

I'm a sole proprietor and I setup a DB plan with Pinnacle in 2016. I've been reasonably happy. I had many questions prior to setting up the plan and they are very knowledgeable. They do cash balance plans also. I manage the investments myself at Fidelity and pay Pinnacle a flat annual fee that is no...

grp2c

Yes the purchase transaction will go through. Say you have 10k of SPAXX and 20k of SPRXX and you purchase 15K of SPRXX. Transaction is processed first by debiting SPAXX and then SPRXX and you end up with 30K of SPRXX.

grp2c

... Also, to reduce the manual transactions of buying FZDXX, I've setup an auto-investment of 15k of FZDXX twice a month after payday and I keep a minimum balance of 30k in the account. ... If the balance is insufficient to buy 15K, will it buy whatever the balance supports? I think if the balance ...

grp2c

Since transitioning to using the ATM/debit card with my fidelity brokerage account, I've noticed that an ATM withdrawal doesn't post to the account for 2-3 business days. Years ago when I used the ATM card with the fidelity CMA account, I thought it posted same day. Curious if others have noticed th...

grp2c

Depends on your situation. For me definitely not a rip off. I'm 39 and for TY 2018, 128k into DB, 18.5k pretax 401k employee salary deferral, 36.6k 401k aftertax contribution rollover to roth ira. Large pretax deductions allowed me to take advantage of the section 199a deduction.

grp2c

VTSAX and VTIAX are no transaction fee funds at etrade. They might be free to trade at chase you invest as well.

https://www.etrade.wallst.com/v1/stocks ... AX&rsO=new

https://www.etrade.wallst.com/v1/stocks ... AX&rsO=new

grp2c

I did an in kind transfer out of Wealthfront in December of 2017 to Fidelity. The account was about $130k. Only about 20% of that was in individual stocks. I think I had a total of 80 individual stocks. Fidelity gave me 500 free trades. For the individual stocks, over the next year I sold about half...

grp2c

If you setup a fidelity CMA or brokerage account, then with a quick 5 minute phone call, a representative can make the contribution using funds from that account and make the election employee or employer.

grp2c

I've considered automatic investments as well. Yes the transaction should go through as long as you have enough "cash available to trade". Personally I think 31 monthly automatic investments would just clutter up my transaction history. I keep 15k in my brokerage account named "checking account" and...

grp2c

This simplicity of having all world stock holdings at market cap in a single mutual fund is something no other provider can currently touch. True, but now that the VTWAX etf share class, VT, is beating the fund by 1 basis point it makes bid/loss spreads less of an issue. And it is easy to hold VT a...

grp2c

I recently reached out to Fidelity promotions team to let them know I was looking at other brokerage bonuses to see if they would offer a retention bonus. They said no. Has anyone else been able to get a retention bonus from them recently?

grp2c

You can get ATM fees reimbursed on fidelity brokerage account if you qualify for premium service.

grp2c

yes it does. Kitches has a good article about it.

https://www.kitces.com/blog/199a-qbi-de ... ions-roth/

grp2c

Just wanted to chime in as far as my experience with Fidelity. I hired Pinnacle Plan Design last year to administer a defined benefit plan and amend my solo 401k held at fidelity. So far I've been happy with Pinnacle and Fidelity. Fidelity did have a little hiccup with the direct transfer of assets ...

grp2c

Fidelity's Four-In-One fund is good. It's just missing emerging markets. Could consider Fidelity Freedom Index Funds as well. They are slightly more expensive.

https://thefinancebuff.com/fidelity-fre ... funds.html

grp2c

I'm considering overbalancing as well. What metric are you using to decide your overall allocation? My IPS calls for 80% stocks /20% bonds. To determine the bond percentage if I were to overbalance, I'm considering using the equation below: 20% x (current price of VT etf / all time high price of VT)...

grp2c

The advantage of the Fidelity account is you can get that 2% savings/checking without the 6 transaction limit that real savings accounts have. Drawback is it's not FDIC. If you're concerned about FDIC insurance just buy the Fidelity Treasury Only Money Market Fund. Current yield is 1.87%. "The fund...

grp2c

Just a quick post with my experience. TDA charged me $50 to transfer (all cash) to Fidelity. Today Fidelity informed me their updated instructions are that they do NOT reimburse that fee. Even though I had it in writing that it would be reimbursed, I'm out of luck. I'm not going to get my nose out ...

grp2c

I'll try calling them. Not why they didn't just make 1 lot instead of 2 as they were both mutual funds exchanges. If they had, I don't think they would have made it a wash sale. In the end, will likely do livesoft's recommendation and sell the remaining shares of VLCAX in 2018. Currently, I have to ...

grp2c

See actual transactions below. On 11/19/18, I exchanged VFIAX to VLCAX and VTSAX to VLCAX. Vanguard created 2 different lots for the exchange. On 12/11/18, I sold 1 entire lot of VLCAX and part of the other lot. The entire lot sale created a wash sale of $341.64. The partial lot sale allowed a loss ...

grp2c

Though, as a good Boglehead, one shouldn't be subject to short-term trading fees anyway... :wink: Unless you're tax loss harvesting in a taxable account which is a very prudent boglehead trait. Now that commission-free etf short term trading fees were eliminated maybe I'll transfer my vanguard taxa...

grp2c

My customer service experience with fidelity has overall been pretty good but it's not the first time I've been disappointed.

grp2c

An update on my TD/lively to fidelity ACATS transfer. I called fidelity last wednesday to restart the transfer after TD received the the letter of release from Lively. Called fidelity today to check on the status. Well fidelity did not restart the transfer. :annoyed So they restarted it today and sh...

grp2c

Just an update on my transfer. The in kind transfer from TD to fidelity was held up because TD needs a letter of release from lively. This has been requested and once approved I'll need to reinitiate the process on Fidelity's end.

Fidelity said they would reimburse the $50 TD transfer fee.

grp2c

I started the transfer of assets process at fidelity from my Lively/TD ameritrade HSA account. I plugged in the TD ameritrade account number (not Lively) and requested assets be moved in-kind. I noticed that the TD statement says LIVELY INC TR LIVELYHSA FBO "My name" I wonder if they will block the ...

grp2c

HSA is not listed under "common compatible account types" when I select the transfer assets from another institution Click on 'More transfer options' located at the bottom right hand corner of the pop up. HSA not listed under "See compatible account examples". https://www.fidelity.com/customer-serv...

grp2c

Reporting back on my experience this morning...My Fidelity rep walked me through the process of transferring assets in kind from HSA Bank and TD Ameritrade. Everything accomplished online. I just needed to input account numbers and attach the most recent statement from both. Online signature accept...

grp2c

So insurers have started "copay accumulator programs". Here's a link. http://www.latimes.com/business/lazarus/la-fi-lazarus-healthcare-copay-accumulators-20180427-story.html I personally it is a fair program. It just means the amount of the coupon cannot reduce your deductible only the amount you ac...

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