Personal Finance (Not Investing) • Where do you bank and why? 2024 Edition
I use Fidelity, Schwab, Discover and US Bank.At Fidelity, I have their CMA, multiple brokerages I use specifically for savings, fixed income (T-Bills) and investments, as well as a personal HSA,...
View ArticlePersonal Investments • ACATS Transfer Taxable TOD Account Designation
Hi all,Long time surfer and now a new member 1st post. I searched this topic and cannot find an answer - apologies if it has been covered.I wish to fund a newly opened IBQR taxable account with a...
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Investing - Theory, News & General • August 5, 2024 is a RBD [Really Bad...
Somebody care to decipher the acronym for us clueless?"Really Bad Day" I assume? But that means we can all afford a nicer car....right??? I’m up to Rolls Royce today. I ordered a Mercedes a while ago;...
View ArticlePersonal Consumer Issues • A19 Solar Powered Light Bulb
I would recommend figuring out why the socket isn’t working. Could be something simple like an upstream GFCI has tripped. Could be something “serious” like a breaker tripped (why?) or there is a wire...
View ArticleInvesting - Theory, News & General • Vanguard to Exit Individual 401(k),...
Folks I think we can put our heads together and figure this out without having to leave Ascensus. I think we may need a separate thread that describes how to initiate transactions at Ascensus (versus...
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Personal Consumer Issues • What value have you derived from "identity...
Question: "Do any of you here use these services and if so, what information do they provide that is useful or actionable?"(I do have my credit profile frozen at Equifax, Experian, and Transunion and...
View ArticleInvesting - Theory, News & General • 401K Stable Value with rising...
Stable value funds are a creature of their captive market. They try to enhance their yield by extending the duration. If a fund is able to keep attracting new money even when interest rates are...
View ArticleInvesting - Theory, News & General • Just how random are stock returns?
wow, lots of stats nerds. respect, way beyond my ken.I look at randomness in a very holistic way. look at your life events. how predictable were they? how much of a role did chance, fate, kismet etc...
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Personal Investments • Money market fund etf
USFR and SGOV and BIL are all good MM-like ETfs, but I can't see how they will get money out faster for paying bills, they have T+1 settlement too.I guess I sell stocks/ETFs so rarely that I didn't...
View ArticlePersonal Finance (Not Investing) • Pay Off Car or Mortgage
pay off the car.Better question is why are you driving a $40,000 BMW? My $20k Subuaru Cross Trek works just fine.Because you asked so pretentiously, because I'd rather be 20k poorer than drive...
View ArticleInvesting - Theory, News & General • The Final, Definitive Thread on...
Webull is back at it again. 2% on your money.https://www.webull.com/offers-promotions/transfer-promoThe timing is unfortunate for me, since I have every penny earning me a bonus elsewhere. But maybe...
View ArticlePersonal Finance (Not Investing) • Swimming pool: loan or no?
Pool: a hole, surrounded by vinyl and concrete into which money is poured.Statistics: Posted by samsoes — Tue Aug 06, 2024 4:56 pm — Replies 27 — Views 1144
View ArticlePersonal Investments • What is the best option for zero risk investing?
5% is hard to achieve risk free now for very long, assuming fed starts cutting ST rates. by risk free, I mean credit risk free (treasuries) and interest rate risk free as in a money market or CD (if...
View ArticlePersonal Finance (Not Investing) • How much to plan for Medicare and...
Also from above post "Post by nisiprius » Sun Aug 04, 2024 12:06 pm", For IRRMA in addition to Part B surcharge one would also have Part D IRRMA surcharge.Chart:...
View ArticlePersonal Finance (Not Investing) • Chase vs Capital One checking?
Chase checking has been working fine for me. Mobile deposits become immediately available. ACH transfers are fast. A transfer from Chase Checking to Capital One Savings was instant. If you decide to...
View ArticlePersonal Investments • Fidelity Zero Fee Fund vs VOO with stock lending at...
There isn't much data available, but if you backtest both VOO and the corresponding Fidelity Zero Fund for US large cap you get an infinitesimally higher yield with FNILX. We're talking a hundredth of...
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Personal Consumer Issues • College Costs
Hello,looking for some reality check / guidance on college fees. First kid got into a college this year; good science college. Fees are approximately 40k/year after minimal federal scholarship. I was...
View ArticlePersonal Finance (Not Investing) • The practicalities of wire transfers--is...
Be aware!The receiving institution may levy a (sometimes) huge fee for incoming wires.Statistics: Posted by ekid — Tue Aug 06, 2024 5:04 pm — Replies 2 — Views 137
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Personal Consumer Issues • Apple Mac Owners [Replacing PC with Mac]
Edited to add: I just saw a post above with a link to the independent mouse/trackpad scrolling issue. Apparently changing one setting affects the other setting, so maybe they can't be independently...
View ArticlePersonal Finance (Not Investing) • Why is Fidelity calling me?
What I think is that they would like to set up a time to go over your account and see how they can best support you.Statistics: Posted by Nate79 — Tue Aug 06, 2024 5:04 pm — Replies 4 — Views 127
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