Search found 1784 matches

by radiowave
Thu Oct 18, 2018 11:00 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16084

Re: Fidelity Full View transition to eMoney

I never used Full View before but this got me to take a look. I notice that it assigns categories to transactions. I tried to customize those categories, but that does not seem to be possible. I can add a new subcategory, but I cannot create a top-level category, or rename or delete one. Also can't...
by radiowave
Wed Oct 17, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 103
Views: 4712

Re: When to change tires; and what brand

I've been happy with my Bridgestones, an all weather 3 season tire and a set of Blizzaks for winter. Just put the Blizzaks on this morning which is a little early but we had our first snow this past weekend. I expect to get about 4 years total for the Bridgestones swapping them out twice a year. Luc...
by radiowave
Wed Oct 17, 2018 10:21 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16084

Re: Fidelity Full View transition to eMoney

I had a new problem crop up last couple week. I have a fido cash management account and any transaction is now entered as two duplicate transactions. No way to delete the extra transaction but you can hide it. I sent an email almost 2 weeks ago, no answer. I'm going back to Quicken, at least it work...
by radiowave
Wed Oct 17, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 294
Views: 23024

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Thanks. I have a T-Bill maturing tomorrow, perfect timing.
by radiowave
Fri Oct 12, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Considering new Honda Pilot, other suggestions?
Replies: 35
Views: 1899

Re: Considering new Honda Pilot, other suggestions?

Bought a Honda Pilot last Dec, been very happy with it. I keep records on gas mileage and been getting 24 MPG local, 26+ on trips with the 6 speed transmission and the vehicle MPG tracking is about 1.5 MPG higher than actual. Getting the rack and hitch was helpful. We upgraded from a 14 year old CR-...
by radiowave
Fri Sep 28, 2018 8:22 am
Forum: Investing - Help with Personal Investments
Topic: What to do with cash in the short term?
Replies: 36
Views: 3004

Re: What to do with cash in the short term?

+1 on Ally. It's easy to use, competitive on interest yields, and FDIC insured. current 1 yr CDs are 2.50% and the web interface for the CDs is excellent.
by radiowave
Thu Sep 27, 2018 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: 2-3 Year Savings
Replies: 8
Views: 1296

Re: 2-3 Year Savings

+1 on a CD or two. FDIC insured, 12 mo are 2.50% at Ally right now. Any other choice above, except for T-Bills could lose value.
by radiowave
Thu Sep 27, 2018 8:31 pm
Forum: Investing - Theory, News & General
Topic: VTI vs VTSAX [Vanguard Total Stock Mkt ETF vs. Admiral Shares]
Replies: 12
Views: 1787

Re: VTI vs VTSAX

I've noticed Vanguard mutual fund reporting lags the ETFs. Check back later in the evening and see if VTSAX updates.
by radiowave
Wed Sep 26, 2018 9:30 pm
Forum: Investing - Theory, News & General
Topic: I'm switching to Vanguard (yay!). Is it an easy transfer?
Replies: 16
Views: 1439

Re: I'm switching to Vanguard (yay!). Is it an easy transfer?

Folks, My brokerage account at Cap One Investing (taxable) is being bought out by E-Trade, but have decided to switch it to Vanguard instead. Has anyone done a switch and could tell me if it's a fairly smooth transaction? It's started rough. I called Vanguard to help me through the process online (...
by radiowave
Sat Sep 22, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: Time periods for personal investment
Replies: 25
Views: 1743

Re: Time periods for personal investment

Ron Scott, I'm late accumulation phase (retire around 5 years) so I'm not sure my answer is all that helpful other than to give you another data point. 1. I use the 3 fund portfolio plus some low cost target date funds in tax deferred. The US/International equity component is for 5+ year horizon. Th...
by radiowave
Sat Sep 22, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 77
Views: 10123

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

OP, in addition to the no penalty CD at Ally, the 12 mo CD is now 2.50% so if you can tie up your money for a year, you'll get a little better return and insured.
by radiowave
Sat Sep 22, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX vs. FZROX for new investments
Replies: 14
Views: 1213

Re: VTSAX vs. FZROX for new investments

OP if you are happy with Vanguard, I'd stay stick with them. Opening an account at another brokerage adds another layer of complexity to your portfolio.
by radiowave
Sat Sep 22, 2018 6:38 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16084

Re: Fidelity Full View transition to eMoney

Apparently Fidelity changed the Category structure in Full View Transactions and this results in a substantial mismatch with old data therefore it reverts to Unclassified. Also, no way to put a memo on a transaction any more. This is not an upgrade, its a downgrade. True that. Amazing that they wou...
by radiowave
Fri Sep 21, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Investing my first million
Replies: 46
Views: 7358

Re: Investing my first million

for taxable, use VTSAX (total stock) which is the Admiral share. VWIUX ($50k minimum) is tax exempt bonds and a prime recommendation on the forum for bonds in a taxable account (federal tax exempt). Aside from the fact that it’d allow me to fine tune the allocations, isn’t VTMFX pretty much the sam...
by radiowave
Fri Sep 21, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Investing my first million
Replies: 46
Views: 7358

Re: Investing my first million

for taxable, use VTSAX (total stock) which is the Admiral share. VWIUX ($50k minimum) is tax exempt bonds and a prime recommendation on the forum for bonds in a taxable account (federal tax exempt). If you are not going to stay in the US, perhaps use a combination of CDs and treasury bills/notes for...
by radiowave
Fri Sep 21, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16084

Re: Fidelity Full View transition to eMoney

1. still not able to get the Fidelity Elan card transactions into Full View. I can see them in cash management however. 2. also having problems linking Capital One Quicksilver, I get the blank screen when I try to add the account, popoff blocker is off. 3. still waiting to get transaction history in...
by radiowave
Mon Sep 17, 2018 10:28 pm
Forum: Investing - Theory, News & General
Topic: Equity in house / Do you use it?
Replies: 56
Views: 3514

Re: Equity in house / Do you use it?

I use my house equity as part of my worksheet for retirement. With the appreciation in value over the past few years, we are estimating how much house we can buy when we retire and have no mortgage for a lower maintenance, age in place home.
by radiowave
Fri Sep 14, 2018 9:05 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16084

Re: Fidelity Full View transition to eMoney

After not being able to link my Capital One 360 accounts, I was finally able to today. Previously I would just get a blank white page after selecting that bank, now a separate window comes up to validate access (check your pop-up blockers). I tried turning off my popup blocker but still get a blank...
by radiowave
Wed Sep 12, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 134
Views: 10193

Re: Argument for taking social security before 70. Comments?

My calculated break even at 66 vs 70 came out to 82 yrs and 68 vs 70 breakeven was 95. So I'll probably cut the difference and retire at 67 :) My suspician is that you need to check your math, unless what you're doing simply escapes me - granted, I have not crunched any of the numbers, but what you...
by radiowave
Tue Sep 11, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 134
Views: 10193

Re: Argument for taking social security before 70. Comments?

My calculated break even at 66 vs 70 came out to 82 yrs and 68 vs 70 breakeven was 95. So I'll probably cut the difference and retire at 67 :)
by radiowave
Tue Sep 11, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6665

Re: Hurricane Florence - survival guide

Picked up an extra quart of stove fuel yesterday though I expect it'll stay sealed until a few camping trips from now. I always have a week of non perishable food on hand. Unfortunately we got a lot of rain here last night and more showers expected next day or so, so the ground will be saturated ev...
by radiowave
Mon Sep 10, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6665

Re: Hurricane Florence - survival guide

Agree with above, you don't have to keep your generator running, just enough to keep the refrigerator cold to avoid spoilage. Also, it hasn't been mentioned explicitly but be sure to withdraw as much cash from the ATM machine as you can before the electricity goes out. I've had the eye of the follow...
by radiowave
Sun Sep 09, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 51
Views: 7263

Re: Fidelity Rewards Visa Card

The Fidelity (Elan) rewards card now seems to be linked to Fidelity Full View so you can aggregate expenses with other cards. There are some initial roll out issues with Full View, just an FYI.
by radiowave
Sat Sep 08, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16084

Re: Fidelity Full View transition to eMoney

So I called the Fidelity 800 number, got a very nice CSR and I explained I was having trouble linking back my Fidelity accounts to Full View. He was very apologetic and said he knew there were problems and then said he was transferring me to that support team. Well I got a cryptic automated message ...
by radiowave
Sat Sep 08, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16084

Re: Fidelity Full View transition to eMoney

I lost all my links to internal Fidelity accounts the other day. Called the 800 number, CSR said to delete all of them then relink. I said I did the week before and lost my data, but was able to restore the transaction history after that happened. So after discussing this with the current CSR, I del...
by radiowave
Tue Sep 04, 2018 9:55 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16084

Re: Fidelity Full View transition to eMoney

So here is the latest . . . The ticket I had created from a call to Fidelity CSR last Friday to address the duplicate brokerage accounts (see above) in Full View which I specifically asked the CSR to route to the Fidelity Full View team (and he confirmed that) was routed to the local Fidelity office...
by radiowave
Mon Sep 03, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16084

Re: Fidelity Full View transition to eMoney

Yes, I can at least give some sympathy for outside accounts that are linked and there may be some unforeseen circumstances moving to the new platform. But internal Fidelity accounts are not working correctly, that is a whole set of different circumstances that significantly lowers my overall confide...
by radiowave
Sun Sep 02, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Displeased with Fidelity Cash / BNY Mellon- debit card theft
Replies: 64
Views: 13421

Re: Displeased with Fidelity Cash / BNY Mellon- debit card theft

I never use the Fidelity debit card for anything other than ATM withdrawals. I have it linked to a separate Fidelity cash management account and only move money into that account when I want to withdraw funds. I'm also disappointed with the 2% Fidelity rewards credit card. After over 2 years they s...
by radiowave
Sat Sep 01, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: So who's rebalancing stocks to bonds right now?
Replies: 38
Views: 4654

Re: So who's rebalancing stocks to bonds right now?

My IPS calls for a 50/50 AA at retirment in a few years so I use my monthly tax deferred contribution to slowly lower current AA by buying VG Total Bond at institutional ER rates. It's been working out to about a 1% increase in bonds per year or there about. Currently at 55/45
by radiowave
Sat Sep 01, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16084

Re: Fidelity Full View transition to eMoney

Any know how to export the Fidelity Full View transactions into Quicken? It seems you can export up to 500 transactions to an Excel CSV file but Quicken does not import that file format.
by radiowave
Fri Aug 31, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones advising roll over 401K to their IRA
Replies: 44
Views: 3782

Re: Edward Jones advising roll over 401K to their IRA

fourdogs111 wrote:
Fri Aug 31, 2018 8:35 pm
I want to thank everyone for the knowledge and advice. I will start with the suggestions this weekend. I feel much better about calling EJ and telling the advisor I won't be turning over my money currently in the 401Ks.
No reason to call EJ back.
by radiowave
Fri Aug 31, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones advising roll over 401K to their IRA
Replies: 44
Views: 3782

Re: Edward Jones advising roll over 401K to their IRA

Hope I'm not piling on, but don't use EJ. Lots of other options, including keeping your money in the old 401k plans.
by radiowave
Fri Aug 31, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16084

Re: Fidelity Full View transition to eMoney

So here's a new problem. Logged into Fidelity this afternoon and they doubled all of my brokerage and cash management accounts and added financial data so my total portfolio jumped up substantially. In Full View, I only see the original accounts but the links are broken. I called the main number and...
by radiowave
Fri Aug 31, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Best Checking Account?
Replies: 45
Views: 2917

Re: Best Checking Account?

If you do any shopping online or use your credit card online, Bank of America has a shop safe feature that generates a one time one use credit card number for you. If it gets hacked, it's of no use to the hacker after you've made the purchase.
by radiowave
Wed Aug 29, 2018 8:02 pm
Forum: Investing - Theory, News & General
Topic: Tax consequence of BND really that bad in taxable?
Replies: 24
Views: 2192

Re: Tax consequence of BND really that bad in taxable?

The SEC yield of BND/VBTLX is 3.12. With CD interest rates getting close to that percent, does the same rule of thumb apply, e.g. CDs not in taxable accounts as the interest is directly taxable?
by radiowave
Wed Aug 29, 2018 5:27 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16084

Re: Fidelity Full View transition to eMoney

Another update . . . I sent a secure email to Fidelity two days ago to bring in all past transactions from a fidelity cash management account that I accidentally deleted into Full View. I found that this afternoon (2 working days) so apparently they are working through emails and other back end item...
by radiowave
Tue Aug 28, 2018 6:58 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16084

Re: Fidelity Full View transition to eMoney

I read your comment to Greenline to a Tech Representative that Premium Customer Service got to call me back. I explained that I am not the only one that is unhappy with this very limited and poorly functioning Fullivew rollout. I even told him there are complaints on this board and also over at Mor...
by radiowave
Mon Aug 27, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio help
Replies: 6
Views: 1024

Re: Three fund portfolio help

With the above distribution, you should not need municipal bonds in taxable. However, the Vanguard VWITX is a good choice for munis in taxable and 10K minimum.
by radiowave
Sun Aug 26, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Colorado Vacation
Replies: 17
Views: 1805

Re: Colorado Vacation

We just got back from a week get away in Grand Mesa, just east of Grand Junction. We loved it. Stayed in a cabin on a lake, hiked, went into GC for the day after a hike in Colorado National Monument, etc. Grand Mesa is at 10,000 ft and has 300 lakes with lots of fishing potential. There are several ...
by radiowave
Sun Aug 26, 2018 10:21 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16084

Re: Fidelity Full View transition to eMoney

An update, As of Sunday afternoon, I can see transactions back two years now. I'm still having problems linking one credit card. Lots of transactions categories were changed and apparently at this point, you can only add new subcategories and not change the name or add/delete existing categories.
by radiowave
Sun Aug 26, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9720

Re: What is your stealth way to save monthly?

I'm not sure if this counts, but I have a ceramic cup at my bedside and every day I empty my change into it. That gets dumped into a ziplock bag when full. When the bag is full I take it to my brick and mortar bank and cash in the change (actually it gets deposited to my checking account then I move...
by radiowave
Sat Aug 25, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16084

Re: Fidelity Full View transition to eMoney

I agree with LadyGeek not to make any rash decisions. However this is more than managing a website. Fidelity destroyed data without the clients knowledge or permission and corrupted some data as well by changing the category structure and applying it to existing data that was saved. That is a whole ...
by radiowave
Sat Aug 25, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: Annual Savings to Expenses Ratio: Meaningful Financial Statistic?
Replies: 22
Views: 1229

Re: Annual Savings to Expenses Ratio: Meaningful Financial Statistic?

How do you account for tax deferred savings, e.g. 401k vs after tax savings (e.g. accumulation in savings accounts or CDs)?

Regarding expenses: normal monthly expenses, mortgage including taxes and insurance, capital expenses?
by radiowave
Fri Aug 24, 2018 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Careers
Replies: 48
Views: 3060

Re: Healthcare Careers

Correct me if I'm wrong, but doesn't an NP require a PhD program now? All nurses, including advanced practice nurses (e.g. nurse practitioners, CRNA, etc) are licenced by each individual state. Currenly there is no state that requires and earned doctorate (DNP or PhD) to be licensed as an APRN, jus...
by radiowave
Fri Aug 24, 2018 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard fund via bank account instead of settlement fund
Replies: 8
Views: 788

Re: Buying Vanguard fund via bank account instead of settlement fund

Yes this is a nice feature at Vanguard and I've used it several times.
by radiowave
Fri Aug 24, 2018 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity index funds
Replies: 14
Views: 1782

Re: Fidelity index funds

I'd probably also recommend Vanguard or Schwab. What specifically leads you to Fidelity?
by radiowave
Fri Aug 24, 2018 10:29 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16084

Re: Fidelity Full View transition to eMoney

My main concern is historical data loss and changes to existing data. I had several years of transactions and after the upgrade only see back to August 1, 2018. If this can happen to Full View data, can it happen to investment data? I'm losing confidence in Fidelity. When I play around with the set...
by radiowave
Fri Aug 24, 2018 7:51 am
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16084

Re: Fidelity Full View transition to eMoney

My main concern is historical data loss and changes to existing data. I had several years of transactions and after the upgrade only see back to August 1, 2018. If this can happen to Full View data, can it happen to investment data? I'm losing confidence in Fidelity.
by radiowave
Wed Aug 22, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: Retirement location planning
Replies: 19
Views: 2163

Re: Retirement location planning

If you are thinking about coming west, CO, AZ, NM, NV may fit your criteria. NM and NV in particular may be of interest from lower cost perspective. Low humidity and if you get some altitude, few bugs. CO: Colorado Springs and Grand Junction NM: Santa Fe and Taos AZ: Flagstaff, Phoenix NV: Reno and ...
by radiowave
Tue Aug 21, 2018 11:27 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16084

Re: Fidelity Full View transition to eMoney

Apparently Fidelity changed the Category structure in Full View Transactions and this results in a substantial mismatch with old data therefore it reverts to Unclassified. Also, no way to put a memo on a transaction any more. This is not an upgrade, its a downgrade.