Search found 2099 matches

by indexfundfan
Wed May 23, 2018 9:15 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 975
Views: 170951

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: 959

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: 716

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: 884

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: 1297

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: 907

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: 22
Views: 1239

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: 3257

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: 22
Views: 1239

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: 257
Views: 34421

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: 22
Views: 1239

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: 22
Views: 1239

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: 22
Views: 1239

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: 257
Views: 34421

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: 42
Views: 4742

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: 1242

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: 206
Views: 28160

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: 206
Views: 28160

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: 1142

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: 1052

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: 206
Views: 28160

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: 206
Views: 28160

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: 206
Views: 28160

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: 10373

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: 21763

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: 206
Views: 28160

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: 1580

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: 1952

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: 1952

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: 1952

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: 1952

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: 206
Views: 28160

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: 206
Views: 28160

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: 206
Views: 28160

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: 206
Views: 28160

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...
by indexfundfan
Tue Apr 17, 2018 10:39 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 206
Views: 28160

Re: 2-year CDs at Vanguard and Fidelity Today

It has been interesting to see how a brokered CD with commission can yield more than a new issue CD due to the discount rate. I reasoned that it is because due to the poor liquidity, sellers have to take a big hair cut to be able to sell the CDs. I think these are usually the retail investors, so t...
by indexfundfan
Tue Apr 17, 2018 10:32 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 206
Views: 28160

Re: 2-year CDs at Vanguard and Fidelity Today

Thanks for the write-up. The reason I'm asking is because it looks like for two-year treasuries, the settlement date of the new issue and the maturity date of the old issue line up on the last day of each month (or next business day). Hence my question whether I can get the proceeds on the maturity...
by indexfundfan
Tue Apr 17, 2018 9:18 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 206
Views: 28160

Re: 2-year CDs at Vanguard and Fidelity Today

Thanks for the write-up. The reason I'm asking is because it looks like for two-year treasuries, the settlement date of the new issue and the maturity date of the old issue line up on the last day of each month (or next business day). Hence my question whether I can get the proceeds on the maturity ...
by indexfundfan
Tue Apr 17, 2018 7:28 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 206
Views: 28160

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?
by indexfundfan
Tue Apr 17, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Question on discount and premium treasury bonds
Replies: 4
Views: 582

Question on discount and premium treasury 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 ordinary income. For the purpose of state taxes, is this accrued interest taxable ...
by indexfundfan
Mon Apr 16, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 206
Views: 28160

Re: 2-year CDs at Vanguard and Fidelity Today

I bought it at Vanguard. I paid $0.16 per thousand more than I would have at Schwab. (I didn't check Fidelity.) I don't care about auto roll because as a rule I don't hold Treasuries to maturity except for T-bills. That's interesting. I am curious. Can you disclose your strategy? Do you buy at 2-ye...
by indexfundfan
Mon Apr 16, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 206
Views: 28160

Re: 2-year CDs at Vanguard and Fidelity Today

What does "private" mean in this case? I'm thinking of purchasing a 2 or 3 yr new issue. I'm old enough to recall private banks and one of them went insolvent in my area. I assume this has a different connotation. - Thank you in advance 61760AKH1 Security type Certificate of deposit Issuer Morgan S...
by indexfundfan
Mon Apr 16, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 206
Views: 28160

Re: 2-year CDs at Vanguard and Fidelity Today

Looking at 9128284C1

ask price at Schwab is $99.762 (min 1, max 800)
ask price at Fidelity is $99.765 (min 500) or $99.781 (min 1)

Schwab has the following note: "Denotes this offering is from the Schwab Inventory".

The difference is not a lot. You save $1.90 for every $10,000 at Schwab.
by indexfundfan
Mon Apr 16, 2018 10:27 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 206
Views: 28160

Re: 2-year CDs at Vanguard and Fidelity Today

Here are the quotes for a specific treasury note (912828X21) on 4/16/18 at around 10am. 912828X21 US Treasury 1.5% 04/15 /2020 Index fan, do you have a backdoor into my computer? I bought 9128284C1 US Treasury 2.25% 03/31 /2020 just last week. :D LOL. We are all looking at the 2-years so it has to ...
by indexfundfan
Mon Apr 16, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Help with CD ladder strategy for emergency fund
Replies: 36
Views: 2588

Re: Help with CD ladder strategy for emergency fund

Another point is that those rates you quoted are not the best. You can get better rates with brokered CDs or similar rates with treasury bonds which are exempted from state taxes.
by indexfundfan
Mon Apr 16, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Help with CD ladder strategy for emergency fund
Replies: 36
Views: 2588

Re: Help with CD ladder strategy for emergency fund

The yield curve is pretty flat so you do not gain much by extending beyond two years. The rule of thumb is to only extend by another year if you can get another 20 basis points in interest (for taxable bonds, for munis, it is 15 bps). For example, in extending from one-year to two-year, you get 2.33...
by indexfundfan
Mon Apr 16, 2018 9:18 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 206
Views: 28160

Re: 2-year CDs at Vanguard and Fidelity Today

Here are the quotes for a specific treasury note (912828X21) on 4/16/18 at around 10am. These are captured within one-minute of each other. The quotes come from Fidelity, Schwab and Vanguard. You can see on Schwab, the top quotes have a smaller spread. Unless you are buying $200k at one shot, the sp...
by indexfundfan
Sun Apr 15, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 15
Views: 2107

Re: New HVAC system

If you are bothered by the loud startup noise as the blower ramps up, get a two-stage variable speed furnace/blower. The difference in perceived noise is very significant.
by indexfundfan
Sun Apr 15, 2018 3:08 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 206
Views: 28160

Re: 2-year CDs at Vanguard and Fidelity Today

I compared a specific treasury on Friday and Schwab's price was the best among the big 3. I will see if I can do a capture and post them tomorrow.