Search found 2406 matches

by indexfundfan
Fri Apr 05, 2019 8:50 am
Forum: Personal Consumer Issues
Topic: What is this weed in my lawn?
Replies: 34
Views: 3437

Re: What is this weed in my lawn?

No, it is not crab grass (it's also too early in the season). Crab grass is relatively easy to deal with; quinclorac specifically targets crab grass very effectively. I wouldn't put a non-selective herbicide at this point because I want the Bermudagrass to survive. I think I am going to re-apply sul...
by indexfundfan
Thu Apr 04, 2019 10:46 pm
Forum: Personal Consumer Issues
Topic: What is this weed in my lawn?
Replies: 34
Views: 3437

Re: What is this weed?

toofache32 wrote:
Thu Apr 04, 2019 10:38 pm
whodidntante wrote:
Thu Apr 04, 2019 10:19 pm

Glad to know I was not the only one let down after reading the title of the thread.
I re-titled the thread. :-)
by indexfundfan
Thu Apr 04, 2019 7:14 pm
Forum: Personal Consumer Issues
Topic: Redoing lawn with bermuda
Replies: 25
Views: 2147

Re: Redoing lawn with bermuda

I seeded my lawn from Bermuda seeds which I bought from Walmart last summer. It works. Follow the instructions on the package. The most important thing in my opinion is that you have to keep the soil moist while you wait for the seeds to germinate. I put the sprinklers on a timer and water the area ...
by indexfundfan
Thu Apr 04, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: What is this weed in my lawn?
Replies: 34
Views: 3437

Re: What is this weed?

HEDGEFUNDIE wrote:
Thu Apr 04, 2019 6:50 pm
How about this one?
That's a broad leaf weed. Any herbicide with 2,4-D Amine should handle it.

It's the grassy weeds that are usually harder to handle.
by indexfundfan
Thu Apr 04, 2019 6:35 pm
Forum: Personal Consumer Issues
Topic: What is this weed in my lawn?
Replies: 34
Views: 3437

Re: What is this weed?

Thanks.

If it is indeed goosegrass, sulfentrazone could be useful. I had sprayed Spectracide Weed Stop for Lawns (it includes Sulfentrazone) on the above weeds. It seemed to damage the weeds but did not kill them (yet?). Maybe I should put a second application or use a stronger version (Dismiss).
by indexfundfan
Thu Apr 04, 2019 5:15 pm
Forum: Personal Consumer Issues
Topic: What is this weed in my lawn?
Replies: 34
Views: 3437

What is this weed in my lawn?

This weed has been growing in my lawn (Bermudagrass, still mostly dormant). Looks like goosegrass to me but it is probably too early in the season for it. I am hoping someone can identify it and recommend a selective post-emergent herbicide to get rid of it. Thanks! Click image to zoom: https://i.ib...
by indexfundfan
Wed Apr 03, 2019 8:34 am
Forum: Personal Finance (Not Investing)
Topic: How to get cash quickly
Replies: 102
Views: 5784

Re: How to get cash quickly

FYI: Fidelity no longer charge any wire transfer fee. But your local bank might charge a fee to receive a wire.
by indexfundfan
Sun Mar 31, 2019 7:33 am
Forum: Personal Investments
Topic: Moving from Vanguard to Merrill Edge
Replies: 66
Views: 6236

Re: Moving from Vanguard to Merrill Edge

I'd recommend not carrying a combined balance beyond $250,000. The reason is that in the past couple years, some people who had a combined BofA balance > $250,000, were 'upgraded' to Merrill Banking Rewards with Wealth Management. This overlaps significantly with Preferred Rewards with the exceptio...
by indexfundfan
Fri Mar 22, 2019 7:07 am
Forum: Investing - Theory, News & General
Topic: iShares - Two different Emerging Markets ETFs - Pick one
Replies: 3
Views: 501

Re: iShares - Two different Emerging Markets ETFs - Pick one

EEM has a longer history. And has always had a high expense ratio. When lower cost alternatives became popular (e.g. VWO, SCHE), Blackrock had to lower their price to compete. Instead of reducing the expense on EEM, they decided to introduce a slightly different version -- IEMG with a lower expense ...
by indexfundfan
Thu Mar 21, 2019 8:17 pm
Forum: Investing - Theory, News & General
Topic: Series I Savings Bonds Buying Opportunity
Replies: 42
Views: 7425

Re: Series I Savings Bonds Buying Opportunity

I will wager that you don't know any more (or less) than I do on future interest rates. Cosmo True in general, but you don't seem to be aware of the fact that the fixed rate has never been higher than the 10-year TIPS as long as that was above zero. In this case, it certainly looks like the fixed r...
by indexfundfan
Mon Mar 18, 2019 8:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 586
Views: 44400

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Is it even possible to pull from Vanguard? Last time I called, they were confused about the black voodoo magic that is the ACH pull. They told me I could only push to a linked bank account. In general, you can't pull, unless you have the Vanguard Advantage account. But this is going away, and hence...
by indexfundfan
Fri Mar 08, 2019 5:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 586
Views: 44400

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

As Vanguard Flagship customer, I, too, am upset with the discontinuation of the Advantage program and intend to transfer a portion of my assets to Fidelity to open a cash management account. Someone please tell me if I have oversimplified. I intend to open a fidelity Brokerage account by placing ca...
by indexfundfan
Thu Mar 07, 2019 8:52 am
Forum: Personal Investments
Topic: CA Tax Exempt Bond Fund, but now living in IL
Replies: 5
Views: 553

Re: CA Tax Exempt Bond Fund, but now living in IL

I moved out of CA two years ago but I did not sell my CA muni bond funds immediately due to tax reasons (capital gains).

I finally was able to dump the funds last November when they dropped in price. I swapped the funds for the national muni fund and total bond fund.
by indexfundfan
Wed Mar 06, 2019 8:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 586
Views: 44400

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

For those who don't know, the "premium" MMF from Fidelity FZDXX does require $100k to start but you don't need to keep the $100k there once you are in the door. On average, I only have $5k in the fund.

This is similar to Vanguard's VUSXX which requires $50k to start.
by indexfundfan
Wed Mar 06, 2019 1:03 pm
Forum: Personal Investments
Topic: Vanguard ACH Pull from Merrill Edge?
Replies: 4
Views: 472

Re: Vanguard ACH Pull from Merrill Edge?

You can pull directly from the Merrill Edge account. Apply for the Merrill Edge checkbook and you can get the account number from the check.
by indexfundfan
Wed Mar 06, 2019 12:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 586
Views: 44400

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

I received the following email from Vanguard on March 5th. The survey was all about how I handle my checking, savings, bill-pay, etc...... You're invited! We want to hear from you. Dear XXXXXXXXXXXX, Vanguard would like to better understand your perspectives on managing your cash as well as get a b...
by indexfundfan
Wed Mar 06, 2019 10:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 586
Views: 44400

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Here is the corrected table, thank you to Nate79 and indexfundfan for the clarifications. https://i.ibb.co/gJsyLYp/Vanguard-vs-Fidelity-Money-Market-Funds-v3.png Not to further complicate matters but you should use tax equivalent yield if you pay state income taxes. States do not tax government obl...
by indexfundfan
Wed Mar 06, 2019 9:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 586
Views: 44400

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Here is the corrected table, thank you to Nate79 and indexfundfan for the clarifications. https://i.ibb.co/gJsyLYp/Vanguard-vs-Fidelity-Money-Market-Funds-v3.png Not to further complicate matters but you should use tax equivalent yield if you pay state income taxes. States do not tax government obl...
by indexfundfan
Wed Mar 06, 2019 9:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 586
Views: 44400

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

This is excellent because it helps show that these CMA services are not "free" There is a real measurable opportunity cost on cash returns. This why I have always kept my banking and investing separate. This whole CMA thing is just one more hook to upsell (or get cash in relatively high ER parking ...
by indexfundfan
Wed Mar 06, 2019 8:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 586
Views: 44400

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

I was half convinced maybe Fidelity CMA was a viable option but wanted to see the differences between my expected returns. There as been some discussion of Vanguard vs Fidelity Money Market Funds along with High Yield Savings Accounts and their yield, but no in depth look at what it will cost us to...
by indexfundfan
Tue Mar 05, 2019 2:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 586
Views: 44400

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

I created the following to compare Fidelity, Schwab and Vanguard Advantage. https://i.ibb.co/wpRxZ59/P20190305-141252.png Thank you for an excellent chart! Just the right amount of information. One very minor footnote: I believe Fidelity CMA ATM users could pay a 1% fee on foreign withdrawals where...
by indexfundfan
Tue Mar 05, 2019 2:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 586
Views: 44400

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

I created the following to compare Fidelity, Schwab and Vanguard Advantage.

Image
by indexfundfan
Mon Mar 04, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 522
Views: 56644

Re: Fidelity as a one stop shop

When a Fidelity rep told someone on this thread that Fidelity prefers not to sell "funds" to cover bill pay (and I assume ATM transactions, etc), I think the rep meant Fidelity would prefer not to sell normal mutual funds to cover the cash transactions (ie FSKAX, etc). Similar situation. I was rece...
by indexfundfan
Fri Mar 01, 2019 5:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 586
Views: 44400

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts]

I'm surprised to receive a secure message from Vanguard. And I haven't even contacted them regarding this. Hello indexfundfan: As you may already know, Vanguard recently advised clients that their VanguardAdvantage account will be discontinued on July 31, 2019. If you have any questions or would lik...
by indexfundfan
Fri Mar 01, 2019 4:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 586
Views: 44400

Re: Discontinuing VanguardAdvantage Accounts

This is exactly what I'm trying to dissect. I just spoke with my Fidelity customer service representative about the differences between a Fidelity Cash Management Account and a routine Fidelity brokerage account. The Fidelity CMA sweep account is the only one you can use and this pays an insignific...
by indexfundfan
Thu Feb 28, 2019 3:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 586
Views: 44400

Re: Discontinuing VanguardAdvantage Accounts

Thanks to the posters who provided information on the cash management offerings at Fidelity and Schwab. Since there are offices of both in the Atlanta area, I may drop into each next week to get some more information, get a gut feel for their service (or how hard they push to upsell or get me into ...
by indexfundfan
Thu Feb 28, 2019 12:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 586
Views: 44400

Re: Discontinuing VanguardAdvantage Accounts

Do any of the VG taxable money markets (Federal, Prime or Treasury) have the ability to add checkwriting? I believe Prime used to offer it for checks over a certain amount e.g. $100? I like to have checkwriting ability at any firm where I have money. Vanguard used to offer these for MMFs and bond f...
by indexfundfan
Thu Feb 28, 2019 11:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 586
Views: 44400

Re: Discontinuing VanguardAdvantage Accounts

I called Vanguard and provided my feedback/criticisms. Now I need a new solution. Any suggestions? I would like a checking account with ACH transactions where I can earn a competitive rate on the cash sitting there (>2%). My regular checking account does not work because the money there earns nothi...
by indexfundfan
Thu Feb 28, 2019 11:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 586
Views: 44400

Re: Discontinuing VanguardAdvantage Accounts

Are they any options available to pull from or push money into the Vanguard brokerage account using a third party bank?
by indexfundfan
Wed Feb 27, 2019 7:45 pm
Forum: Investing - Theory, News & General
Topic: Placing large buy orders - any special risks?
Replies: 12
Views: 689

Re: Placing large buy orders - any special risks?

It depends on the ETF volume. Do you FOK ? Not sure. What does it mean to FOK? Fill or kill. Doesn't fill the order unless you can get all of it at your set price. Have you looked at the Lvl II book ? Do the sizes look like they could easily accommodate your order ? Fill or kill is more than just "...
by indexfundfan
Sat Feb 23, 2019 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Any Experience with VanguardAdvantage Direct Deposit?
Replies: 8
Views: 1031

Re: Any Experience with VanguardAdvantage Direct Deposit?

I use the ABA/Acc numbers from the VA check book for all ACH purposes. No issues at all. Any incoming money automatically goes into the settlement fund (Federal MMF). Any externally initiated pull will automatically debit the settlement fund.

PS. I did NOT use the Direct Deposit link you referenced.
by indexfundfan
Sat Feb 23, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to figure out taxable income by Dec. 31 for Roth?
Replies: 26
Views: 2466

Re: How to figure out taxable income by Dec. 31 for Roth?

At best what you can get is an estimate of your income.
An early version of the tax software is usually available by mid December. Manually gather the dividend information from the brokerages' websites and enter into the tax software to get your income estimate.
by indexfundfan
Sat Feb 23, 2019 11:43 am
Forum: Personal Investments
Topic: ST Cash Instrument - ICHS?
Replies: 10
Views: 602

Re: ST Cash Instrument - ICHS?

I use ICSH (in addition to JPST and SHV). With an ER of 0.08%, it is the lowest among ultra-short bond ETFs.
by indexfundfan
Fri Feb 22, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + Brokerage Account
Replies: 6
Views: 650

Re: Fidelity CMA + Brokerage Account

Gadget wrote:
Fri Feb 22, 2019 11:09 am
For your second question, I can verify that the ATM withdrawl works from CMA even with $0 in CMA. As long as overdraft is on.
Thanks.
by indexfundfan
Fri Feb 22, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard CD's bid/ask spread seem rather large
Replies: 16
Views: 953

Re: Vanguard CD's bid/ask spread seem rather large

Brokered CD's are not "liquid" because of the relatively huge spreads in the secondary market. If there is a chance you need to liquidate a "CD"-like holdings, treasury bills or notes should have been considered for purchase instead. These are much more liquid. From my experience, among the big brok...
by indexfundfan
Fri Feb 22, 2019 9:26 am
Forum: Personal Investments
Topic: Buying VMMXX on Vanguard
Replies: 22
Views: 1682

Re: Buying VMMXX on Vanguard

You can buy VMMXX directly without going through the settlement fund.
by indexfundfan
Thu Feb 21, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + Brokerage Account
Replies: 6
Views: 650

Re: Fidelity CMA + Brokerage Account

Using billpay from the brokerage account would avoid any overdraft. On the other hand, if you use the checking and ATM card regularly with the CMA, then using the billpay from the CMA would consolidate all your expenses in only one account (CMA), which could be easier for tracking your expenditure. ...
by indexfundfan
Mon Feb 18, 2019 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting accrued interest paid in H&R Block
Replies: 0
Views: 78

Reporting accrued interest paid in H&R Block

I bought and sold some T-notes in the secondary market with Schwab last year. The interest reported in the 1099INT included the accrued interest paid to the seller. The amount of the accrued interest paid was listed separately in the "Accrued Interest Paid on Purchases" section (not provided to the ...
by indexfundfan
Mon Feb 11, 2019 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1% Bonus, Advice Please??? (Resolved Nice!!)
Replies: 24
Views: 2444

Re: Ally 1% Bonus, Advice Please???

On Nov 16, 2018, there was another email from Ally that let's you know how much bonus you can expect. Did you receive that? This email is not 90 days old yet. That email would have never come, which is why they didn't get the bonus. If it were me, I would have clarified with Ally on 11/16 whether I...
by indexfundfan
Mon Feb 11, 2019 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Ally 1% Bonus, Advice Please??? (Resolved Nice!!)
Replies: 24
Views: 2444

Re: Ally 1% Bonus, Advice Please???

On Nov 16, 2018, there was another email from Ally that let's you know how much bonus you can expect. Did you receive that? This email is not 90 days old yet.
by indexfundfan
Sun Feb 10, 2019 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 225
Views: 26546

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

I think "Online Transaction = Y" is a requirement but not sufficient condition to put it into the Online Shopping category.

Some reported examples:

https://www.flyertalk.com/forum/credit- ... ons-2.html
by indexfundfan
Sun Feb 10, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 522
Views: 56644

Re: Fidelity as a one stop shop

Based on all the great information in this thread, I'm seriously considering moving to Fidelity. I currently rely heavily on the mobile deposit feature to deposit checks from my rental property business so I need a high mobile deposit limit. Does anyone know if the Fidelity CMA account has high mob...
by indexfundfan
Sun Feb 10, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 522
Views: 56644

Re: Fidelity as a one stop shop

Had the Fidelity Cash Management account since its inception in 2012. I have never encountered any transactions that failed.
by indexfundfan
Thu Jan 31, 2019 12:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market yield over 2.5%
Replies: 223
Views: 40113

Re: Vanguard Prime Money Market yield over 2.5%

However, my taxable-equivalent SEC yield (TEY) for Vanguard Treasury MM fund is even higher at 2.61% (2.64% on an APY basis); that's at an SEC yield of 2.32%, and marginal tax rates of 27% fed and 8% state (it's mainly the state tax exemption that boosts the TEY of Treasury MM). And Treasury MM is ...
by indexfundfan
Wed Jan 23, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: Phone for tracking child's location
Replies: 20
Views: 1358

Re: Phone for tracking child's location

Any recent Android phone lets you track its location via Google Map. You can use Google Family Link to control phone access and apps installation.
by indexfundfan
Wed Jan 23, 2019 6:47 am
Forum: Personal Investments
Topic: ETF choice for short term cash
Replies: 12
Views: 1559

Re: ETF choice for short term cash

My favorites are SHV, ICSH and JPST.
by indexfundfan
Sun Jan 20, 2019 2:35 pm
Forum: Personal Investments
Topic: How to Invest my HSA - Lively
Replies: 32
Views: 5879

Re: How to Invest my HSA - Lively

Chris, since the last post, both Fidelity and Lively are now offering fee-free HSA investing. For me Fidelity edges Lively out a bit because of the breadth of investing options they offer. Fidelity has competitive money market funds for keeping cash if needed. Plus, you can use Fidelity's low cost m...
by indexfundfan
Sun Jan 20, 2019 12:06 pm
Forum: Personal Investments
Topic: Merrill Edge "Money Account" Question
Replies: 24
Views: 6893

Re: Merrill Edge "Money Account" Question

Yes. They sent me an e-mail saying they were offering a rate equal to the current BIF Money Fund rate for 6 months on the new sweep, but it's back to terrible rates after that. It was good while it lasted. For those of you with Merrill Edge and a B of A checking account: Can you use the B of A chec...
by indexfundfan
Sat Jan 19, 2019 3:34 pm
Forum: Personal Investments
Topic: Moving HSA to Fidelity - What to Invest In?
Replies: 7
Views: 883

Re: Moving HSA to Fidelity - What to Invest In?

You can try the TIP or STIP (short term TIPS) ETFs. Both are commission-free trades at Fidelity.