Search found 529 matches

by arf30
Tue May 14, 2019 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: I accidentally retired, and need tax advice
Replies: 48
Views: 6391

Re: I accidentally retired, and need tax advice

Would probably spend the dividends instead of reinvesting, possibly converting some savings to more bonds, and get some part time work to cover any shortfall. You should be in a low tax bracket and not too concerned about taxes unless you've left out some details.
by arf30
Sat May 11, 2019 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Chase Premier Plus Checking - How to earn maximum interest?
Replies: 17
Views: 1409

Re: Chase Premier Plus Checking - How to earn maximum interest?

Looking at the fees on the premier plus account make it seem like a pretty bad checking account - but the easiest way to meet the minimum is to just buy VMMXX in a YouInvest account
by arf30
Mon May 06, 2019 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle [digital payment system]
Replies: 23
Views: 2809

Re: Zelle

Zelle is one of those services that works great until it doesn't, and then it's a nightmare to get your money back.
by arf30
Tue Apr 30, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 944
Views: 105669

Re: Fidelity as a one stop shop

I keep it simple and just use the FDIC position in the CMA for revolving expenses, plus 10k in SPRXX in the same CMA for emergencies that never gets touched. Nice and easy checking/savings in one.
by arf30
Sat Apr 27, 2019 5:26 pm
Forum: Personal Investments
Topic: Is the YouInvest account the ONLY no fee mutual fund brokerage?
Replies: 8
Views: 825

Re: Is the YouInvest account the ONLY no fee mutual fund brokerage?

drk wrote:
Sat Apr 27, 2019 5:19 pm
I assume you mean Morgan Stanley. JP Morgan owns Chase.
There's another thread on here about Vanguard funds being removed from JP Morgan brokerage accounts (different from YouInvest).
by arf30
Sat Apr 27, 2019 9:29 am
Forum: Personal Investments
Topic: Is the YouInvest account the ONLY no fee mutual fund brokerage?
Replies: 8
Views: 825

Re: Is the YouInvest account the ONLY no fee mutual fund brokerage?

Buying mutual funds outside of their respective brokerage is always risky, especially at a big bank - Chase or Vanguard could decide to revoke the agreement at any time (this actually just happened in the JPMorgan accounts), or Chase could start charging fees, and then you're looking at paying the $...
by arf30
Wed Apr 24, 2019 6:41 am
Forum: Personal Consumer Issues
Topic: Pros/Cons of Condo Living?
Replies: 83
Views: 11428

Re: Pros/Cons of Condo Living?

I bought a 2BR condo after the housing crash 10 years ago. It's quiet and the community is well run. However the value of the condos are pretty much identical to when I bought it, and this is in a hot real estate area. The monthly fees have also increased from $150 to $300 (about $15/year), which is...
by arf30
Thu Apr 18, 2019 2:53 pm
Forum: Personal Investments
Topic: The Final Definitive Thread on Best Brokerage
Replies: 18
Views: 1785

Re: The Final Definitive Thread on Best Brokerage

Probably some combination of Vanguard, Schwab, Fidelity, and maybe Merrill or TD etc.
by arf30
Tue Apr 16, 2019 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Do not use Personal Capital
Replies: 100
Views: 16645

Re: Do not use Personal Capital

I used Personal Capital for a while with a Google Voice number in place of my real phone number and had no issues, pretty similar to Mint or Quicken.
by arf30
Fri Apr 12, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Best online banking accounts?
Replies: 53
Views: 6959

Re: Best online banking accounts?

If you don't need international ATM rebates go Ally as they've got the best website and app, if you do go with Schwab or Fidelity as I've used them to pull out cash in many foreign countries without a problem.
by arf30
Fri Apr 12, 2019 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 944
Views: 105669

Re: Using Fidelity Cash Management as my only bank account

Overdraft used to not support ATM, something about the margin department not being fast enough to cover the transaction. They seem to have fixed it around last summer, so maybe the reps aren't aware of the change yet. I keep my CMA and brokerage separate these days so can't confirm or deny.
by arf30
Tue Apr 09, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is a work-at-home job have the same expectations as the office job?
Replies: 63
Views: 3670

Re: Is a work-at-home job have the same expectations as the office job?

I'm on my second work from home job - the first started as a real corporate job in an office and gradually transitioned to remote. They expected you to keep similar hours to the people at the office, respond to emails and calls and dial into meetings. Even then it was very easy to run errands and do...
by arf30
Tue Apr 09, 2019 8:42 am
Forum: Personal Investments
Topic: HSA in NJ -- is it worth it?
Replies: 14
Views: 912

Re: HSA in NJ -- is it worth it?

Haven't noticed any extra tax burden from an HSA in NJ. We use a tax efficient total stock market fund similar to a taxable brokerage.
by arf30
Sun Apr 07, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: The safety of my Merrill/Vanguard account?
Replies: 3
Views: 401

Re: The safety of my Merrill/Vanguard account?

Yes, you should be using 2 factor authentication on all accounts including email. It will be more of a hassle spending months trying to recover your assets when your account is compromised.
by arf30
Sat Apr 06, 2019 12:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Monthly Statement Envelope
Replies: 21
Views: 2317

Re: Vanguard Monthly Statement Envelope

I don't have financial statements mailed anymore for this reason - the less sensitive documents in the mail the better.
by arf30
Tue Apr 02, 2019 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: New Bank: Schwab or Fidelity
Replies: 20
Views: 1711

Re: New Bank: Schwab or Fidelity

Dottie57 wrote:
Tue Apr 02, 2019 1:34 pm
Schwab actually has a bank (FDIC). Fidelity does not have a bank but a “Cash Management Account” which emulates a bank. Fidelity account does not have FDIC.
The cash management account is FDIC.
by arf30
Tue Apr 02, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 84
Views: 29501

Re: Review after one month with Fidelity Cash Management

In my experience Mint, Personal Capital and Quicken all had various issues categorizing transactions when using a brokerage as a checking account - that's the main reason I'm using the CMA.
by arf30
Mon Apr 01, 2019 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to get cash quickly
Replies: 102
Views: 7003

Re: How to get cash quickly

You can go to any bank and do a cash advance against a debit card to get large amounts of cash. Fidelity and Schwab don't charge a fee for this, not sure about Ally.
by arf30
Sun Mar 31, 2019 8:42 pm
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 205
Views: 12630

Re: Vanguard - Will they ever upgrade their site?

I've got accounts at Schwab, Vanguard, Fidelity and they're all pretty terrible in their own special ways. It's some kind of rite of passage for discount brokers and banks to be bad at technology.
by arf30
Sun Mar 31, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4011
Views: 743842

Re: What's Your Credit Card Rewards Strategy?

Do the Alliant cards require a checking account at Alliant?
by arf30
Sun Mar 31, 2019 3:01 pm
Forum: Personal Investments
Topic: Fido Screws Up and Says "Tough Luck"
Replies: 32
Views: 3303

Re: Fido Screws Up and Says "Tough Luck"

This is pretty standard when you transfer cash between brokerages. If you really want to stay in the market you have to transfer funds (and make sure the destination accepts them).
by arf30
Sat Mar 30, 2019 8:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 59222

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

rtt22 wrote:
Sat Mar 30, 2019 8:44 am
I found out that with Fidelity Cash Management accounts, it's not possible to view the image of the checks that have been paid out.
It does, I can see check images in mine - probably takes a couple days before they show up, especially on a new account.
by arf30
Sat Mar 30, 2019 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 51
Views: 6098

Re: Primer on Paying Taxes With a Credit Card

I got the targeted Fidelity Visa offer last month and decided to pay federal tax with it for the first time (roughly 9k). Gives me an extra month to float the tax payment and I should earn a small amount in CC rewards.
by arf30
Fri Mar 29, 2019 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Anybody else get a huge tax increase due to SALT deduction changes?
Replies: 101
Views: 7388

Re: Anybody else get a huge tax increase due to SALT deduction changes?

Got hit here - $3500 federal refund last year, have to pay $9500 this year. State taxes were unchanged. I changed my W4 from 2 to 0, hopefully that helps a bit for next year.
by arf30
Thu Mar 28, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Maximizing Chase freedom 5%
Replies: 27
Views: 2848

Re: Maximizing Chase freedom 5%

The Freedom never seemed worth it to me with the $1500 limit per quarter on the 5% categories - a lot of extra work for maybe $300/year. Maybe if I was into UR points, but I'm not.
by arf30
Wed Mar 27, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: how to stop gmail spam filtering?
Replies: 7
Views: 493

Re: how to stop gmail spam filtering?

The correct way is to whitelist the sender. Click the 3 dots on the right hand side of the email -> "Filter messages like these" -> "Create Filter" -> select "Never send it to Spam".
by arf30
Mon Mar 25, 2019 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity VISA Question
Replies: 26
Views: 2437

Re: Fidelity VISA Question

I use this card - it's only 2% when redeemed as cash back into a Fidelity account - Fidelity wants that money invested with them. Other redemption methods are less than 2%. I was looking for a 2% cash back card with auto redemption (double cash is manual) so I'm ok with this method.
by arf30
Sat Mar 23, 2019 8:32 am
Forum: Personal Investments
Topic: Switch to Ally or just Keep more in Vanguard Federal Money Market Fund
Replies: 28
Views: 4931

Re: Switch to Ally or just Keep more in Vanguard Federal Money Market Fund

I called Ally to set the debit card limit to zero, no need for an app (it still works at ATMs).
by arf30
Fri Mar 22, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: WiFi Extender
Replies: 40
Views: 2440

Re: WiFi Extender

+1 on mesh routers. Plugged in a 2 node Google WiFi system at home that cleared up all our signal problems and haven't touched in 2 years.
by arf30
Thu Mar 21, 2019 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 944
Views: 105669

Re: Using Fidelity Cash Management as my only bank account

Have been using it without problems, I keep a local BM account with $100 just in case but haven't had to use it.
by arf30
Wed Mar 20, 2019 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: BofA is improving their autopay
Replies: 15
Views: 1493

Re: BofA is improving their autopay

It would be amazing if BofA mortgage finally supported regular autopay instead of ebills.
by arf30
Wed Mar 20, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: A 23% increase from ATT Wireless
Replies: 84
Views: 6505

Re: A 23% increase from ATT Wireless

Look at AT&T Prepaid or Cricket Wireless, they're both owned by AT&T and phones can be switched right over.
by arf30
Wed Mar 20, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: New carry-on policy at United Airlines?
Replies: 47
Views: 3820

Re: New carry-on policy at United Airlines?

EWR is my local hub and I fly United often for work trips, gate checking bags is very common - I think it helps them board faster when people spend less time looking for space in the overhead.
by arf30
Sun Mar 17, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 944
Views: 105669

Re: Fidelity as a one stop shop

What's the requirement to get free ATM fee reimbursement? I suppose it is any ATM fee (world wide)? In the past year or so I've used it in Mexico, Aruba and Ireland and all fees were refunded the next morning. Even if you don't use the CMA as your main checking it's worth having the card for travel.
by arf30
Sun Mar 17, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I leave my local bank
Replies: 43
Views: 3662

Re: Should I leave my local bank

RickBoglehead wrote:
Sun Mar 17, 2019 7:38 am
Many banks will not accept a USPS Money Order via mobile deposit, including Ally.
Ally accepts them by mail, Schwab and others do accept them by mobile.
by arf30
Sun Mar 17, 2019 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Should I leave my local bank
Replies: 43
Views: 3662

Re: Should I leave my local bank

How do you deposit cash or rolls of coins? Can you photograph and mobile-deposit cash and destroy the bills after a couple of weeks? After all, they have unique serial numbers. :mrgreen: I just offloaded several rolls of quarters, dimes, nickels and pennies yesterday, at the same time getting a cri...
by arf30
Fri Mar 15, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to get rid of a car
Replies: 33
Views: 1905

Re: How to get rid of a car

What does everyone prefer as a form of payment? Have been looking to sell a car worth about $20K and a lot of people have online banks now and want to show up with a cashier's check. There's no CarMax in my area and dealers were offerring thousands less as they need to re-sell the vehicle.
by arf30
Thu Mar 14, 2019 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Any credit cards that can beat the Citi doublecash?
Replies: 64
Views: 6980

Re: Any credit cards that can beat the Citi doublecash?

patrick wrote:
Thu Mar 14, 2019 4:38 pm
midareff wrote:
Thu Mar 14, 2019 4:13 pm
Uber Visa for 4% at restaurants and 3% at hotels.
Yet somehow it only gives 2% on Uber!
Reminds me of the Costco Visa.. only 2% at Costco but 4% on gas.
by arf30
Thu Mar 14, 2019 6:38 am
Forum: Personal Investments
Topic: Chase YouInvest cost basis method
Replies: 41
Views: 4796

Re: Chase YouInvest cost basis method

2) I went into account settings and changed dividend/capital distributions to "pay in cash" but there's no field to choose which account it's paid to. Is it just automatically deposited into my checking account? Or...? The brokerage has a cash sweep position where money sits when it's not invested,...
by arf30
Tue Mar 12, 2019 12:14 pm
Forum: Investing - Theory, News & General
Topic: Are Vanguard Mutual Funds dying?
Replies: 152
Views: 16804

Re: Are Vanguard Mutual Funds dying?

The average "investor" funds their 401k and gives any extra money to a (non robo) advisor. Both scenarios are overwhelmingly mutual fund only.
by arf30
Mon Mar 11, 2019 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should I leave my local bank
Replies: 43
Views: 3662

Re: Should I leave my local bank

This is why I don't use local banks/CUs anymore, they're all stuck in the stone ages.
by arf30
Fri Mar 08, 2019 11:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 59222

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

The problem will always wind up being asset protection in the unlikely event of fraud. At Fidelity, it is a seamless transition between your CMA and your higher-yielding emergency fund, or whatever you want to call it. If you don't have sufficient funds in your CMA or brokerage fund, the autopay wi...
by arf30
Fri Mar 08, 2019 10:19 am
Forum: Personal Investments
Topic: Vanguard platform is a mess ... UX-wise [User eXperience]
Replies: 69
Views: 6096

Re: Vanguard platform is a mess ... UX-wise [User eXperience]

Their platform (and entire company) is definitely geared toward passive investors holding a few funds in a taxable brokerage or IRA account and log in a few times a year. Anything beyond that will be frustrating and probably done better at Fidelity/Schwab/other full service broker.
by arf30
Thu Mar 07, 2019 10:57 pm
Forum: Investing - Theory, News & General
Topic: Open Brokerage Account at Chase - Good Idea or Bad Idea?
Replies: 10
Views: 883

Re: Open Brokerage Account at Chase - Good Idea or Bad Idea?

They've got some issues with specID cost basis and there's a $75 outgoing ACATS fee, probably best to avoid until the product matures a bit unless you're really tied to Chase.
by arf30
Thu Mar 07, 2019 11:41 am
Forum: Personal Investments
Topic: Cost Basis Method - Which is best
Replies: 4
Views: 390

Re: Cost Basis Method - Which is best

I prefer SpecID, it gives you the most control.
by arf30
Tue Mar 05, 2019 3:06 pm
Forum: Investing - Theory, News & General
Topic: Linking My Vanguard Prime Money Market to Fidelity?
Replies: 2
Views: 430

Re: Linking My Vanguard Prime Money Market to Fidelity?

Yes, I've got mine linked, everything is initiated from the Vanguard side.
by arf30
Tue Mar 05, 2019 1:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 59222

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

I am considering opening up my replacement VanguardAdvantage at Schwab. Can anyone else be as eloquent and describe the operation of their account at Schwab Bank? Do they have a automatic liquidation of the MM to satisfy banking withdrawals? It's just a regular checking account, no special features...
by arf30
Mon Mar 04, 2019 1:18 pm
Forum: Personal Investments
Topic: Managing cash in a Wells Fargo Portfolio account
Replies: 18
Views: 1483

Re: Managing cash in a Wells Fargo Portfolio account

baconavocado wrote:
Sat Mar 02, 2019 10:55 pm
Perhaps I should just buy $25K of VTI at Well Fargo to meet the min. balance requirements of the Portfolio
Just a heads up - minimums are 25k in bank accounts or 50k in investments.
by arf30
Mon Mar 04, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: New Jersey "qualified investment funds"
Replies: 6
Views: 422

Re: New Jersey "qualified investment funds"

What about money market funds like VMFXX (79% treasuries) and VUSXX (100% treasuries) - they have only dividends, no capital gains, are the dividends NJ state tax exempt?