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Rewards cards My primary (go to) card is the Fidelity Rewards Visa card which requires you to deposit the cash back to a Fidelity brokerage account. It pays 2% on everything with no foreign transaction charges. If you also have a managed account with Fidelity, the cash back will range from...

Fidelity auto-roll I also preferred to search the health of the Bank before purchasing CDs, but recently stopped that practice. Spoke directly to a Fidelity fixed income specialist and I was reassured that Fidelity does a certain amount of due diligence regarding brokered CD banks and FDIC...

I used a Fidelity rep to build a corporate bond ladder about 3-4 years ago and other than a reasonable fee for each bond, there was no additional charge. I also had a separate discussion with a very knowledgeable fixed income specialist at Fidelity for no fee. I did share my questions in...

Newbie question I was looking at the first bond and reviewed the recent trades. I see that peeps purchased the bond at different price points, although most were at par. The price varied between 99.95 and 100.333. Although the range (for this bond) was relatively tight, I do not understand...

I keep my HSA funds in an account in Fidelity, solely invested in a covered call ETF (QYLD) and have the dividends deposited to the same account in a money market fund (FDRXX). The ETF currently has a yield over 11% and the money market has a yield of 4.90%. On a monthly basis, I take out a...

Thanks for the input and I will try your suggestions. Regarding your question, my wife finds it useful to know when the washer/dryer is completed (text to iPhone) and when she needs to clean the washer or remove the lint from the dryer. I personally find it useful to know when my...

Thanks for the input. All GSE's that had competitive rates to the highest CDs were callable, so I will pass on that option. For now, I am going to avoid highly rated corporate bonds, especially those from Banks. Too many black swans and too much commercial property debt make Bank corporate...

According to my XFinity app, I have a total of 31 devices, which includes Apple devices, Amazon Echo's, LG Refrigerator, Washer, Dryer, TV's, SONOS Audio, Roku's, NIXPlay Screens, Printers, EUfY Robovac, Blink Video and Computers. What was curious is that I have 3 devices (AEA8871972D...

Have some cash to invest and looking for the best fixed income opportunities that have little to no risk (other than inflation risk). Currently the money is in a Fidelity ETF (FDRXX) that has a current yield of 4.77%. My thought process is that it would be best to invest in medium term CDs...

Free Chase Checking ? You can not have MM funds in a CMA, only FDIC insured cash that Fidelity parses to different banks. Thanks!

Chase Free Checking ? I chose a minimum of $2500 as that would cover my quarterly property taxes, which is typically my highest bill to pay. Will considering dropping it down. Thanks for the idea.

Chase Free Checking ? Chase Premier Plus Checking requires a minimum 15K to avoid fees. Chase Total Checking requires a minimum $1500. No longer remember why I needed the Premier, but no longer matters. :dance:

I have had a Chase checking account as far back as I can remember. To get the free checking, I kept a minimum of 15K in a savings account and had my social security and pension checks automatically deposited to the checking account. I checked the interest rates on Chase and saw it was .01%...

Apple Pay To be 100% accurate, I tried to link a joint Fidelity CMA. I suspect that the "joint" in CMA, may of been the problem.

The Apple Savings account along with Apple Pay seemed like a great idea. For instance, use Apple Pay to get 10% back on groceries (up to $500) and have the money automatically deposited to your new Apple savings account which pays 4.15%. What can go wrong? I could not connect my joint...

At any time, one can transfer from one IRA account to another with no limit to the amount, so I do not believe that Fidelity would question me adding money to my IRA account. Regardless, doing what I proposed has more risk than benefit, so this thread can be closed.

Hey all, Let's say you "accidentally" deposit 50-100K into either a Traditional or ROTH IRA at the beginning of the year. Then use that money to day-trade and make a few thousand (or more) dollars in gains. Before, the end of the year, then the original 50-100K is withdrawn in addition to any...

At the beginning of the year, I decided to take 5% of my assets (not including the house) and create a hedge against inflation. The cash was used to purchase Barrick Gold Corporation (GOLD) shares throughout the year within an IRA account. I chose the IRA account as I did not wish to pay taxes...

New Jersey does not allow real estate to be transferred with transfer-on-death deeds, which is a bummer. I did not realize that adding my child to the deed would allow anyone going after my child's assets (maybe an at fault car accident of child's, maybe child's bad business dealing, etc.)...

The wife and I are in our mid 60's and we have a modest estate along with our primary residence. The house is currently in both our names. We are trying to simplify our finances so that our single child will not be burdened with settling the estate. Therefore, every single investment and...

I use Fido and agree that the policy is similar. But, if you share your password with a confidant (eg. child) and they get hacked, both Fido and Schwab would make our lives difficult. I prefer Fido as they provide a "money transfer lockdown" feature that effectively prevents money (other than...

I have included the entire Schwab policy regarding fraud protection. It has several "holes" and not as all inclusive as you may believe. Schwab will cover 100% of any losses in any of your Schwab accounts due to unauthorized activity. The highest levels of security are only possible when we...

My thanks for everybody's comments, even the brief hypercritical comments. In response to some of the caveats, the HELOC is only callable, if you violate the terms of the agreement. For instance, if you miss payments, the lender can call in the entire loan. In addition, the lender can...

I was not aware that a HELOC can be "called" as it has a 15 year payback period. But, I will pose the question as that would definitely increase the risk associated with this play. Thanks!

It is still possible to open an equity line of credit at 2.75% (eg. Citizen's Bank with .5% discount). I am thinking about opening a line of credit for anywhere between 100K and 250K and then investing that money in a basket of some fairly aggressive dividend ETFs (eg. PGX, SPYD, QYLD, et al)...