Search found 345 matches

by BUBear29
Sun Mar 14, 2021 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Baylor and Waco, TX
Replies: 9
Views: 1324

Re: Baylor and Waco, TX

Baylor Bear here. What are you looking to do? Long term rental? Buy house? Hard to tell exactly from your OP.

Congrats to your son. Hope he loves it as much as I did.
by BUBear29
Tue Mar 02, 2021 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1842
Views: 274863

Re: Fidelity as a one stop shop

Just finishing up moving things to fidelity and set up a joint a joint brokerage account with my DW. I setup Bill pay and toggle some alert settings and for some reason my DW received them instead of me. In bill pay it just says set up your email in your profile. Which it is set correctly. I called...
by BUBear29
Fri Feb 19, 2021 8:52 pm
Forum: Personal Consumer Issues
Topic: Busted water pipe, now what? Help a Texan out.
Replies: 187
Views: 14292

Re: Busted water pipe, now what? Help a Texan out.

not to highjack thread but i’d like advice also. looks like i have a leak in wall along master bath and there is an outdoor spigot as well. i can only see what water leak from the outside (under brick at foundation). I can’t see any damage inside as thats where my bathroom cabinets are built and sea...
by BUBear29
Tue Feb 02, 2021 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Credit union financials - Is the ship sinking?
Replies: 7
Views: 925

Re: Credit Union Financials - Is the ship sinking?

Is there a cash flow statement you can share?
by BUBear29
Fri Jan 29, 2021 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Cash Over FDIC Strategy
Replies: 5
Views: 506

Re: Cash Over FDIC Strategy

If really want total FDIC coverage in 1 place, Fidelity CMA offers up to 1.25MM coverage.

https://www.fidelity.com/cash-managemen ... t/overview
by BUBear29
Wed Jan 27, 2021 1:04 pm
Forum: Personal Consumer Issues
Topic: Where do you keep the original of your will?
Replies: 85
Views: 7061

Re: Where do you keep the original of you will?

Copies with executors with law firm contact info and originals top of my closet in fireproof bag. Anytime we leave for a trip without the children I remind my primary executor and those watching the children of this if anything were to happen.
by BUBear29
Wed Jan 27, 2021 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1842
Views: 274863

Re: Fidelity as a one stop shop

You should be able to set up Withdrawals (recurring) on the website. I’ve had them set up from my CMA to taxable and 529 accounts no problem at all. I do believe that is correct--I don't believe a form/medallion guarantee is needed for recurring withdrawals to Fido accounts. I was referring to auto...
by BUBear29
Tue Jan 26, 2021 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1842
Views: 274863

Re: Fidelity as a one stop shop

To get started, I filled out the "EFT Authorization Form" and obtained a medallion signature guarantee. On this form you can select "3rd Party EFT Authorization" Note, this is for brokerage or CMA accounts only. In my case I waited a couple weeks without hearing from Fidelity, s...
by BUBear29
Fri Jan 22, 2021 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1842
Views: 274863

Re: Fidelity as a one stop shop

I have a taxable account at Vanguard and all my/our retirement accounts at Fidelity. I have given some thought on consolidating all our accounts at Fidelity, mostly for simplification and perhaps make it easier on my wife to manage in the future if I was disabled/injured/died. My only concern would...
by BUBear29
Thu Jan 21, 2021 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1842
Views: 274863

Re: Fidelity as a one stop shop

Why does anyone use billpay? My Fido CC bill is auto drafted from my CMA. All my other bills autopay on the Fido CC.
by BUBear29
Thu Dec 31, 2020 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Gabi.com
Replies: 4
Views: 620

Re: Gabi.com

geico did the same to me

i used policygenius with good results for life and auto, home and umbrella.
by BUBear29
Thu Dec 31, 2020 6:30 pm
Forum: Personal Consumer Issues
Topic: Have I Been Overpaying Amazon?
Replies: 98
Views: 7279

Re: Have I Been Overpaying Amazon?

costco and joinhoney.com
by BUBear29
Thu Dec 31, 2020 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Brokerage account + Education Savings Account for 1yo
Replies: 4
Views: 425

Re: Brokerage account + Education Savings Account for 1yo

I am doing 529 for each child and one combined taxable account for future vehicles, weddings, house down payments etc. Once the child is old enough that I trust what they will do with the money (plus I’ll add the view account capability in Fidelity ;) ), I will begin gifting $14k per year (beneath t...
by BUBear29
Wed Dec 30, 2020 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard cash reserve check writing
Replies: 31
Views: 2354

Re: Vanguard cash reserve check writing

You’ll like Fidelity better anyways.

I’m a Vanguard to Fidelity convert. No reason to ever go back to that place. Fido is great.
by BUBear29
Mon Nov 16, 2020 10:10 pm
Forum: Personal Consumer Issues
Topic: Buying a new Chevy Suburban
Replies: 56
Views: 6414

Re: Buying a new Chevy Suburban

Just FYI i bought a GMC Yukon last October. I call all the local dealerships and ask what previous dealer demos are available for purchase. They are always well kept and low miles. I was between a couple options and stumbled on a dealer executive vehicle (apparently owned by a Gm exec) that was $72k...
by BUBear29
Mon Nov 09, 2020 10:11 pm
Forum: Personal Consumer Issues
Topic: Buying a new Chevy Suburban
Replies: 56
Views: 6414

Re: Buying a new Chevy Suburban

Huge difference in floor height in 3rd row between 2020 and 2021. 2021 redesign includes independent rear suspension which lowered floor 10 inches.
by BUBear29
Wed Oct 21, 2020 7:35 pm
Forum: Personal Consumer Issues
Topic: Relocation - DFW considerations
Replies: 55
Views: 4511

Re: Relocation - DFW considerations

OP - have you and DW decided?
by BUBear29
Fri Oct 09, 2020 8:24 pm
Forum: Personal Consumer Issues
Topic: Relocation - DFW considerations
Replies: 55
Views: 4511

Re: Relocation - DFW considerations

I would never choose to live in Texas. The only city in Texas that I find even remotely tolerable is El Paso. And, yes, I've been to most major Texas cities. That is quite possibly the worst “city” in Texas. Good insight for this thread. Thanks for informed points. I guess I forgot to mention that ...
by BUBear29
Fri Oct 09, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: Relocation - DFW considerations
Replies: 55
Views: 4511

Re: Relocation - DFW considerations

UpperNwGuy wrote: Fri Oct 09, 2020 6:03 pm I would never choose to live in Texas. The only city in Texas that I find even remotely tolerable is El Paso. And, yes, I've been to most major Texas cities.
That is quite possibly the worst “city” in Texas. Good insight for this thread. Thanks for informed points.
by BUBear29
Fri Oct 09, 2020 4:25 pm
Forum: Personal Consumer Issues
Topic: Relocation - DFW considerations
Replies: 55
Views: 4511

Re: Relocation - DFW considerations

The mountains are extremely close to Denver . Its all about timing your drive. When we lived there and would drive to Breckenridge, it would take 90 minutes on a Thursday night. 120+ minutes on a Friday night. Coming back could take as long as 3+ hours on Sunday depending on when you leave. I person...
by BUBear29
Fri Oct 09, 2020 2:53 pm
Forum: Personal Consumer Issues
Topic: Relocation - DFW considerations
Replies: 55
Views: 4511

Re: Relocation - DFW considerations

I posted in your other thread about Denver. I used to live there right out of college and moved to DFW a few years ago. I also live in Southlake like many other posters (nice to see so many others live out here too!). Given the cost difference and shorter program. Choose DFW. Fort Worth is a great p...
by BUBear29
Thu Oct 08, 2020 2:58 pm
Forum: Personal Consumer Issues
Topic: Relocation - CO considerations?
Replies: 66
Views: 5622

Re: Relocation - CO considerations?

OnTrack wrote: Sun Sep 20, 2020 12:00 am
BUBear29 wrote: Sat Sep 19, 2020 10:22 am If wanting to be close to Anschutz, I suggest Stapleton. Easy train ride to airport and downtown from there as well.
Per: https://en.m.wikipedia.org/wiki/Central_Park,_Denver
Stapleton has been renamed "Central Park Neighborhood"
i built a house there. we still call it stapleton
by BUBear29
Thu Oct 01, 2020 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: YNAB and Fidelity
Replies: 23
Views: 3022

Re: YNAB and Fidelity

I have my Fidelity Cash Management account, Brokerage and Fidelity Credit Card connected to YNAB. I have constant issues with getting Fidelity's credit card transactions to make to YNAB. I connected to YNAB using Fidelity (fidelity.com) as the source for all three accounts. I have simple 12 charact...
by BUBear29
Mon Sep 21, 2020 11:19 pm
Forum: Personal Consumer Issues
Topic: Just Ordered Peloton Bike
Replies: 194
Views: 19675

Re: Just Ordered Peloton Bike

I just received my Schwinn IC4 last week. Two rides in and love it. Good quality bike and easy to setup. I feel like a true BH as the IC4 is only $899 vs $1895 for the original Peloton Bike and the app is $12.99/month instead of the $39/mo if you have the Peloton. I cast my rides onto AppleTV so I h...
by BUBear29
Mon Sep 21, 2020 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: who do you bank with and why?
Replies: 168
Views: 16626

Re: who do you bank with and why?

I use Fidelity CMA and 2% card. Given no yield on MM funds today, I just opened an Ally HYSA to transfer my excess balances for at least a little return. When MM funds return, I will just keep everything at Fidelity.

The Fidelity CMA and card are great.
by BUBear29
Sat Sep 19, 2020 10:22 am
Forum: Personal Consumer Issues
Topic: Relocation - CO considerations?
Replies: 66
Views: 5622

Re: Relocation - CO considerations?

If wanting to be close to Anschutz, I suggest Stapleton. Easy train ride to airport and downtown from there as well.
by BUBear29
Fri Sep 18, 2020 9:43 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 83
Views: 6195

Re: Ring for a new girlfriend

Pomegranate wrote: Fri Sep 18, 2020 8:36 pm From all the brands mentioned here I heard about tiffany and cartier before. I checked all the links and WOW - most of the rings from tiffany looks like from another planet in comparison with others. Rare example when the brand matters :sharebeer
Wait...are you still looking for a ring?!

:oops:
by BUBear29
Fri Sep 18, 2020 3:31 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 83
Views: 6195

Re: Ring for a new girlfriend

https://www.davidyurman.com/ I’d encourage you to do a bracelet, necklace or earrings. Ring seems like a big leap and could lead to an accidental assumption at the opening of the gift. FYI. I gave DY bracelet to my girlfriend when we were dating (about 6 months in). We are now married with two kids....
by BUBear29
Thu Sep 17, 2020 11:06 pm
Forum: Personal Consumer Issues
Topic: Relocation - CO considerations?
Replies: 66
Views: 5622

Re: Relocation - CO considerations?

My wife and I married in 2015 and moved to Denver immediately after (flew there from the honeymoon). As a young couple from out of state, it was a wonderfully challenging time as it pushed us outside of our comfort zones. We loved our time in Denver. I will say that our neighbor in our apartment smo...
by BUBear29
Tue Sep 01, 2020 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: I checked my reward points from Whole Foods...
Replies: 4
Views: 1364

Re: I checked my reward points from Whole Foods...

Given you now have a Whole Foods near by, you should check and see if Prime Now is available in your area. Excellent online shopping option via Whole Foods
by BUBear29
Tue Aug 25, 2020 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Stage 4 Cancer and Young Family
Replies: 105
Views: 15039

Re: Stage 4 Cancer and Young Family

1) Vanguard PAS 2) 2nd medical opinion but don’t waste time hoping for a different answer at the expense of time with family either 3) Fight like hell and beat it. 4) Ask your work HR if colleagues can donate sick time/vacation to you or find some way to spend more time with loved ones and not at wo...
by BUBear29
Tue Aug 18, 2020 7:53 pm
Forum: Personal Investments
Topic: Moving from vanguard, what to do with funds?
Replies: 27
Views: 2004

Re: Moving from vanguard, what to do with funds?

I’d say mutual funds are the thing going away, being replaced with ETFs.

I moved to Fidelity from Vanguard and invest in the fidelity mutual funds (3 fund) in my retirement accounts and vanguard etf’s in my taxable accounts
by BUBear29
Thu Aug 13, 2020 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Cash Management
Replies: 43
Views: 4137

Re: Fidelity Cash Management

One thing is I read that you can have buckets like 2k in the CMA and then 50K say in FFXSX in another account tied to the CMA. I go write a check for 8k it will automatically sell shares of FFXSX and transfer 6K into the account to cover the check I wrote. Is that kinda how that works? Exactly, or ...
by BUBear29
Thu Aug 13, 2020 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Cash Management
Replies: 43
Views: 4137

Re: Fidelity Cash Management

I love it. I used to do the two account method (brokerage and CMA) but ran into issues reconciling my accounts in my budget app. So now I use the CMA only and plan to hold two types of balances: fdic balances and SPAXX (once yield returns). It’s a very simple setup and now I have 1 bank account and ...
by BUBear29
Thu Aug 13, 2020 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Private University Apartments Leases during Covid
Replies: 64
Views: 3989

Re: Private University Apartments Trapping Students in Expensive Leases

Look up duty to mitigate damages in your state. I'm a long-term renter who has signed leases in many different states, and I think this is your best possible option if your state has this in law. You give notice to terminate the lease and the landlord is required to take reasonable measures to re-r...
by BUBear29
Wed Aug 12, 2020 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: 22 year Old. Needs recommendation to get first credit card.
Replies: 26
Views: 1423

Re: 22 year Old. Needs recommendation to get first credit card.

How to build credit history? Is it to charge some $s every month and pay balance every month? Or pay for everything via one credit card only and pay the balance at the end of month? I am thinking that I can even charge some of our home's utilities/expenses on my credit card as I am working from hom...
by BUBear29
Wed Aug 12, 2020 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Just got ~50 insurance quotes, thought I'd share my results for posterity
Replies: 98
Views: 11163

Re: Just got ~50 insurance quotes, thought I'd share my results for posterity

https://www.policygenius.com/ I gave it a whirl. what policy? select Auto fill in a screen. bundled with a home or separate? select separate since I rent "We're sorry, we only do Auto + Home bundles" start over... what policy? select Renter fill in a screen what type of rental is this &qu...
by BUBear29
Wed Aug 12, 2020 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: 22 year Old. Needs recommendation to get first credit card.
Replies: 26
Views: 1423

Re: 22 year Old. Needs recommendation to get first credit card.

Right after college I had a $500 Discover limit (same situation where I had been a AU). I would take what you can get and build your credit history up as a primary card holder. It won’t take too long then you can ask for limit increases. Your best bets will be the QS card you mention and Discover. N...
by BUBear29
Thu Jul 30, 2020 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1842
Views: 274863

Re: Fidelity as a one stop shop

I was depositing cash into brokerage then transferring as need (auto pull) to CMA for checks and atm but got tired of looking at two accounts. That's basically what I do, my brokerage gets my paychecks/income. Every month I calculate out my bills and transfer that from brokerage to my CMA, and it t...
by BUBear29
Wed Jul 29, 2020 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1842
Views: 274863

Re: Fidelity as a one stop shop

I've just started this year on the Fidelity as a one-stop shop plan. Do you all think about what would happen if something happened to Fidelity? I don't mean like Fidelity going bankrupt, but some temporary issue where funds were not available for some reason? A temporary outage if you will. We hav...
by BUBear29
Sat Jul 25, 2020 9:49 pm
Forum: Personal Consumer Issues
Topic: Family expanding - Time for a 3 row SUV
Replies: 69
Views: 4177

Re: Family expanding - Time for a 3 row SUV

One crucial key to good decision making is a willingness to question your initial assumptions, so I don’t think a little pushback on that is out of line. OK then, I suggest a Suburban if space is more important, or a BMW X5M if the driving experience is. OP said three row suv so it would actually b...
by BUBear29
Fri Jul 24, 2020 6:40 pm
Forum: Personal Consumer Issues
Topic: Family expanding - Time for a 3 row SUV
Replies: 69
Views: 4177

Re: Family expanding - Time for a 3 row SUV

If you need additional space inside for roadtrips, I’d recommend a tahoe or yukon. We considered the ones you listed (minus the pilot although it seems quite large) and they did not have enough room for us to not feel cramped on roadtrips. We got the yukon and can’t imagine having a different vehicl...
by BUBear29
Tue Jul 21, 2020 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10292
Views: 745661

Re: Refinance Mega Thread

Not a refi but i got a 15 year 2.50% rate quote with megabank yesterday.
by BUBear29
Sat Jul 18, 2020 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Alternative?
Replies: 65
Views: 9124

Re: Ally Bank Alternative?

I like Fidelity CMA. Yield is nothing right now but I don’t hold a lot in cash so not a big deal for me. Maybe different circumstances for you.

If you absolutely need some type of yield, I recommend Alliant Credit Union.
by BUBear29
Thu Jul 09, 2020 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1842
Views: 274863

Re: Fidelity as a one stop shop

What backup credit card does everyone use in case the Fido card rejects?

I wish they still offered the Amex so I could get rid of my other banking login at Citi.
by BUBear29
Thu Jul 09, 2020 12:54 am
Forum: Personal Finance (Not Investing)
Topic: Move from Bay Area?
Replies: 34
Views: 3786

Re: Move from Bay Area?

Reno.

My college roommate from Los Altos and moved to Reno with his wife. They love it. Still an easy trip to Bay area and also Tahoe.