Search found 2113 matches

by indexfundfan
Sun Jul 15, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: 1-year Treasury Bill auction
Replies: 50
Views: 3946

Re: 1-year Treasury Bill auction

This is interesting: Vanguard -> Fidelity CMA : arrives T+1 Vanguard -> Ally : arrives T+2 Is T+1 for other funds (e.g. Prime MMF) as well? Yes, T+1 for VG Prime MM -> Fidelity CMA, for example. This is for an old-platform mutual fund account, so there is no settlement fund. Checking a recent examp...
by indexfundfan
Sun Jul 15, 2018 8:10 am
Forum: Investing - Theory, News & General
Topic: 1-year Treasury Bill auction
Replies: 50
Views: 3946

Re: 1-year Treasury Bill auction

To move money from Vanguard to Fidelity, I sell shares of a fund (typically money market), specifying the Fidelity CMA as the destination bank account. The cash always arrives at the Fidelity CMA the next business day, and then I transfer it into my settlement fund. Transfers between the CMA and th...
by indexfundfan
Tue Jun 19, 2018 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)
Replies: 22
Views: 3023

Re: Northern Bank Direct MM - 2.26% APY

Interestingly, NBD is stopping the promotional rate of 2.26% for new accounts starting from 9am on Wed 6/20. Just saw this on their homepage.
by indexfundfan
Fri Jun 15, 2018 7:21 am
Forum: Investing - Theory, News & General
Topic: Schwab's Securities Lending Fully Paid (SLFP) program
Replies: 15
Views: 1042

Re: Schwab's Securities Lending Fully Paid (SLFP) program

Is this program available for tax-deferred accounts? I don't believe it is mentioned in the provided documents.
by indexfundfan
Thu Jun 14, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 24
Views: 1584

Re: Fidelity CMA + MMF vs. online credit union

indexfundfan wrote:
Thu May 17, 2018 11:28 am
arf30, how long is the hold when you submit an ACH pull using the Fidelity website?
Answer my own question: if you submit your ACH pull on day T, the money is credited on T+1 and available on T+5.
by indexfundfan
Mon Jun 11, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Anyone use Bluehost for web hosting?
Replies: 12
Views: 750

Re: Anyone use Bluehost for web hosting?

I have a small website running wordpress and I use Namecheap which offers automated wordpress installation. Hosting cost is less than $25 a year.
by indexfundfan
Mon Jun 11, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Best options for cash in Schwab brokerage accounts?
Replies: 47
Views: 7281

Re: Best options for cash in Schwab brokerage accounts?

I just wrote a feedback to Schwab asking them to consider adding money market funds as sweep vehicles, in particular pointing out that both Fidelity and Vanguard have this capability. Did Schwab ever respond to your feedback? Normally they try hard to remain competitive with Vanguard and Fidelity. ...
by indexfundfan
Wed Jun 06, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Redemption Speed - Vanguard Federal Money Market
Replies: 7
Views: 705

Re: Redemption Speed - Vanguard Federal Money Market

I did the following ACH experiments last year.

Push from VG settlement MMF: T+1
Push from VG non-settlement MMF (e.g. Prime MMF): T+2
by indexfundfan
Wed May 30, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity MM Fund Q's
Replies: 19
Views: 1797

Re: Fidelity MM Fund Q's

Alan, I don't know where you're getting your figures, but you're wrong. Vanguard Fed MM fund (VMFXX) yield is 1.70%, so higher than Fidelity SPAXX at 1.39%. So as usual, Vanguard MM funds have higher yields than comparable Fidelity MM funds. However, a difference at Fidelity is that they consider o...
by indexfundfan
Tue May 29, 2018 5:53 pm
Forum: Investing - Theory, News & General
Topic: Anyone try to buy brokered CDs today?
Replies: 7
Views: 889

Re: Anyone try to buy brokered CDs today?

ChinchillaWhiplash wrote:
Tue May 29, 2018 4:54 pm
Just checked and now there are many to choose from. Must have been a system glitch or something earlier. Thanks for the updates everyone.
Must be some technical issue because earlier today, I also noticed there were no bids/asks for the treasury notes I was holding.
by indexfundfan
Tue May 29, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity MM Fund Q's
Replies: 19
Views: 1797

Re: Fidelity MM Fund Q's

The premium versions require an initial purchase of $100,000.
by indexfundfan
Mon May 28, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: GFCI trips when toaster oven turned on
Replies: 33
Views: 1880

Re: GFCI trips when toast oven turned on

How do you know for certain the outlet is not downstream from the GFCI? Have you tested it with a receptacle tester?
by indexfundfan
Sun May 27, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: FZDXX- 1.81%. Security? [Fidelity Treasury Money Market]
Replies: 10
Views: 1668

Re: FZDXX- 1.81%. Security?

wintermute wrote:
Sun May 27, 2018 12:24 pm
+1 on buying Tbills at auction, but GABXX is also an option. It's useful if you can't trade bonds or buy Vanguard's VUSXX treasury MM fund (like at Wellstrade). Current 7-day for GABXX is 1.69%, ER is 0.08%, vs 1.74% and 0.09% for VUSXX.
Where can you buy GABXX?
by indexfundfan
Sun May 27, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: FZDXX- 1.81%. Security? [Fidelity Treasury Money Market]
Replies: 10
Views: 1668

Re: FZDXX- 1.81%. Security?

Here is the minimum balance requirement in the prospectus Fidelity may deduct a small balance maintenance fee of $12.00 from a fund balance with a value of less than $2,000 in shares. It is expected that fund balances will be valued after November 1 but prior to December 31 of each calendar year. Fu...
by indexfundfan
Wed May 23, 2018 9:15 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1044
Views: 184780

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Thanks, sounds good. I am meeting someone at a local branch tomorrow, I emailed for an appointment and included in there that I wanted them to match Ameritrade. When the rep called, he said he'd look into the match in the meantime. Schwab is good at matching. I had an IRA and taxable account matche...
by indexfundfan
Tue May 22, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Bird Nest in bathroom exhaust fan vent
Replies: 10
Views: 1090

Re: Bird Nest in bathroom exhaust fan vent

Coincidentally, I am facing the same issue. I just ordered the Linteater and hope that it works

https://www.amazon.com/Gardus-RLE202-Li ... =linteater

You can watch some youtube videos to see how it works.
by indexfundfan
Mon May 21, 2018 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Lender Funded Without Authorization
Replies: 5
Views: 773

Re: Lender Funded Without Authorization

If the wire was returned, then you can still walk away. Just continue to negotiate with the sellers.
by indexfundfan
Sat May 19, 2018 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Would like to simplify my portfolio. Any thoughts?
Replies: 23
Views: 1016

Re: Would like to simplify my portfolio. Any thoughts?

I suggest to just keep SCHB, SLYV, SCHF, SCHE & SCHZ.

I got out of international small caps many years ago after finding that it is not as liquid as the other asset classes and harder to TLH. The situation could have improved now but I much prefer the simplicity now.
by indexfundfan
Sat May 19, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: International -- VXUS or slice and dice?
Replies: 14
Views: 1456

Re: International -- VXUS or slice and dice?

I have only VEA & VWO in my international allocation, in the ratio 3:2.
by indexfundfan
Thu May 17, 2018 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: brokerage firm recommendations for CDs
Replies: 10
Views: 986

Re: brokerage firm recommendations for CDs

I have compared treasury pricing on the secondary market at Fidelity, Schwab and Vanguard. Schwab's pricing are by far the best.
by indexfundfan
Thu May 17, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 24
Views: 1584

Re: Fidelity CMA + MMF vs. online credit union

arf30, how long is the hold when you submit an ACH pull using the Fidelity website?
by indexfundfan
Thu May 17, 2018 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%
Replies: 26
Views: 3585

Re: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%

Rates are rising everywhere. I have an Ally 11 month no penalty 1.75% CD as well. It's sitting where it is until someone (that I'm with) offers a regular money market type account at a higher rate. Since opening this CD, Redneck upped their Megamoney account to 1.75%, but I'm almost at their $35k m...
by indexfundfan
Wed May 16, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 24
Views: 1584

Re: Fidelity CMA + MMF vs. online credit union

I'm doing this, there are two options. I've tested both of these approaches: 1. Fidelity CMA with cash position and MM fund (SPAXX or SPRXX). When the cash position is depleted, Fidelity automatically liquidates shares from the MM funds to cover transactions. It's a simple "all in one" checking + e...
by indexfundfan
Wed May 16, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 261
Views: 37526

Re: New HSA provider Lively offers investments for $30/yr fee

Just completed my latest money transfer from my bank to Lively/TDA. This time it took T+4 days for money to appear in TDA for trading, an improvement of one day from my last transfer. To confirm, did you do from an HSA trustee-to-trustee transfer? Or just an individual contribution to Lively? I was...
by indexfundfan
Wed May 16, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 24
Views: 1584

Re: Fidelity CMA + MMF vs. online credit union

I'm in Boston, so there are many local Fidelity offices, including closer to work than BofA, and just down the road from the new place. I know they don't have as many services as a typical branch, and that has given me some pause. But, in the last several years, I've only been in a BofA branch 3 ti...
by indexfundfan
Wed May 16, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 24
Views: 1584

Re: Fidelity CMA + MMF vs. online credit union

I think OP is planning to close Alliant. OP already has account at Fidelity. Correct, I already have fidelity and I'm tied there through work retirement accounts and Massachusetts 529s. The plan would be to close the BofA and Alliant accounts. Closing Alliant is fine. But sometimes having a brick a...
by indexfundfan
Wed May 16, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 24
Views: 1584

Re: Fidelity CMA + MMF vs. online credit union

I think OP is planning to close Alliant. OP already has account at Fidelity. I used the Fidelity CMA/brokerage combo for daily checking when it first came out many years ago. My recollection is that the CMA can overdraft automatically from the brokerage side with no fees. So I believe you can put th...
by indexfundfan
Wed May 16, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 261
Views: 37526

Re: New HSA provider Lively offers investments for $30/yr fee

Just completed my latest money transfer from my bank to Lively/TDA. This time it took T+4 days for money to appear in TDA for trading, an improvement of one day from my last transfer.
by indexfundfan
Wed May 16, 2018 6:08 am
Forum: Investing - Help with Personal Investments
Topic: Best options for cash in Schwab brokerage accounts?
Replies: 47
Views: 7281

Re: Best options for cash in Schwab brokerage accounts?

I just wrote a feedback to Schwab asking them to consider adding money market funds as sweep vehicles, in particular pointing out that both Fidelity and Vanguard have this capability.
by indexfundfan
Wed May 02, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Maximizing Tax Advantage of UTMA
Replies: 16
Views: 1353

Re: Maximizing Tax Advantage of UTMA

When would new guidance normally be released? Hopefully before the end of this year?
by indexfundfan
Mon Apr 30, 2018 7:32 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42900

Re: 2-year CDs at Vanguard and Fidelity Today

Quick question : when buying secondary CDs or treasuries in a taxable account, does it matter if the CD or treasury is close to making a coupon payment? i.,e. would you be "buying into a coupon payment and paying tax on it"? No. The accrued interest is taxable to the seller, not to you. However, yo...
by indexfundfan
Mon Apr 30, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42900

Re: 2-year CDs at Vanguard and Fidelity Today

Quick question : when buying secondary CDs or treasuries in a taxable account, does it matter if the CD or treasury is close to making a coupon payment? i.,e. would you be "buying into a coupon payment and paying tax on it"?
by indexfundfan
Thu Apr 26, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: IRS announces relief for HSA contribution limit error
Replies: 7
Views: 1207

Re: IRS announces relief for HSA contribution limit error

Oh great. Now those HSA administrators who made the change to $6850 now has to make another change back to $6900. :oops:
by indexfundfan
Thu Apr 26, 2018 4:57 am
Forum: Investing - Help with Personal Investments
Topic: Strategy for investing in HSA
Replies: 13
Views: 1141

Re: Strategy for investing in HSA

In quickly researching Lively, they are with TD for ETFs, right? I see SPTM as Total mkt, very nice ER of 0.03, but the only cheap bond version is a 10 year I-Shares ILTB. I usually do intermediate term, is long-term worth it? No cheap international one here though. Monthly fee $2.5= $ 30 per year,...
by indexfundfan
Tue Apr 24, 2018 10:29 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42900

Re: 2-year CDs at Vanguard and Fidelity Today

There's one other factor which I considered but not mentioned. I have to keep MAGI low for ACA. A treasury note produces a smaller MAGI impact compared to a CD with the same TEY.
by indexfundfan
Tue Apr 24, 2018 6:20 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42900

Re: 2-year CDs at Vanguard and Fidelity Today

The 2-yr treasury note just closed at auction with a rate of 2.498%. And Fidelity now shows 2-year at 2.50%, but this almost certainly is for large quantities (100 or more) and perhaps somewhat longer than 2-year maturity. Two-year CD provides at least 25 bps yield premium with new-issue at 2.75% (...
by indexfundfan
Tue Apr 24, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42900

Re: 2-year CDs at Vanguard and Fidelity Today

The 2-yr treasury note just closed at auction with a rate of 2.498%.
by indexfundfan
Tue Apr 24, 2018 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 10983

Re: Cashing out of the Bay Area

It's hard to time it and there are many other moving parts in a move other than real estate prices. I cashed out my home in silicon valley last year, and it turned out to be too early.
by indexfundfan
Sun Apr 22, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 95
Views: 22917

Re: Charles Schwab Checking + Brokerage Account

Schwab won't automatically liquidate "purchased money market funds" to satisfy a debit. You need to manually sell these.
by indexfundfan
Sun Apr 22, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42900

Re: 2-year CDs at Vanguard and Fidelity Today

Here’s a noob question for you :D : We have started building a three-year ladder of brokered CDs, all new issue. (We don’t have the experience, inclination, or know how to fine-tune things to get a few more bps, and probably never will.) The displayed prices bounce around, as (of course) do the dai...
by indexfundfan
Sun Apr 22, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on SPTM ETF in taxable for US stock index fund
Replies: 33
Views: 1925

Re: Is SPTM ETF any good?

You could open a taxable account at Vanguard and invest in VTI.
by indexfundfan
Sun Apr 22, 2018 6:52 am
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge "Money Account" Question
Replies: 17
Views: 2260

Re: Merrill Edge "Money Account" Question

Yes, that's my experience too. The ACH transactions only show up very late in the day.
by indexfundfan
Sun Apr 22, 2018 6:24 am
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge "Money Account" Question
Replies: 17
Views: 2260

Re: Merrill Edge "Money Account" Question

The BIF money fund can't be compared to VG's. It's only good for if you received dividends and forgot to invest the money. I try to keep the cash balance in the taxable account zero at Merrill Edge at all times. I've thought about turning the CMA account into my checking account and using the BIF f...
by indexfundfan
Sat Apr 21, 2018 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge "Money Account" Question
Replies: 17
Views: 2260

Re: Merrill Edge "Money Account" Question

The BIF money fund can't be compared to VG's. It's only good for if you received dividends and forgot to invest the money. I try to keep the cash balance in the taxable account zero at Merrill Edge at all times.
by indexfundfan
Fri Apr 20, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge "Money Account" Question
Replies: 17
Views: 2260

Re: Merrill Edge "Money Account" Question

You can request to use the BIF Money Fund as sweep. This is a government/treasury MMF. Current yield 1.17%.

https://www.blackrock.com/cash/en-us/products/282856/
by indexfundfan
Thu Apr 19, 2018 2:17 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42900

Re: 2-year CDs at Vanguard and Fidelity Today

Very interesting. One somewhat unrelated question -- at Fidelity / Vanguard, does your account get credited with the proceeds of the CD or bond on the maturity date? Or is it the next business day? Good question. I haven't had a bond or CD mature yet in a taxable account since I started buying brok...
by indexfundfan
Thu Apr 19, 2018 10:57 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42900

Re: 2-year CDs at Vanguard and Fidelity Today

Submissions for the 2,5,7 year treasury notes auction just opened at Vanguard. The auction dates are next week. The rates for 2-yr or longer treasuries are not as good as CDs. But treasuries are a lot more liquid if you need to sell before maturity. The rates for 1-yr or shorter treasuries are bette...
by indexfundfan
Wed Apr 18, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42900

Re: 2-year CDs at Vanguard and Fidelity Today

Doc and ofckrupke, thanks for your replies.
by indexfundfan
Wed Apr 18, 2018 6:47 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42900

Re: 2-year CDs at Vanguard and Fidelity Today

Thank you. Good to know. I have some questions about discount and premium bonds. Discount treasury bond When a bond is bought at a discount, it will "appreciate" in value to par when it reaches maturity. My understanding is that this "appreciation" or accrued interest must be reported each year as o...