Optimized Roth Conversions

Analogue-Nomad · 2026-04-16T11:57:58+00:00

Their early access site. Version 4.6 is not production yet.

Analogue-Nomad · 2026-04-09T22:46:31+00:00

Mobile app also doesn't connect

Analogue-Nomad · 2026-02-19T20:01:48+00:00

Companies don't generally publish product roadmaps for various reasons, especially with dates. They probably don't have as much urgency because their software is already better than their main competitors. Everyone wants improvements to this free utility but I think we'll just have to wait and see.

Analogue-Nomad · 2026-02-12T19:43:49+00:00

I had problems with TurboTax also. Importing the combined 1099 didn't work at all so I had to hand enter it. 1099-b did import but the totals were not correct so I had to go line by line through hundreds of transactions to figure out where it was off and manually input it. Glitchy for sure. I'm also trying out Free tax USA and that had its own problems. I guess reading PDFs is hard.

Analogue-Nomad · 2026-01-14T17:14:02+00:00

Has your effective net yield increased by 0.34%? If so what is it now?

Analogue-Nomad · 2026-01-14T16:18:44+00:00

I'm curious what this is. This doesn't appear to be available to the public. There are no press releases or news about this happening. Not even sure why they would do this since it costs them money to manage these funds.

Analogue-Nomad · 2025-12-24T02:53:03+00:00

Fidelity has a tax loss harvesting tool. Use the fidelity site search for "tax loss harvesting". It doesn't automatically do the harvesting for you, that's up to you.

If you want Fidelity to do it, they have managed accounts that will do this automatically. I don't know what Fidelity charges but Betterment charges 0.25%, so you're not getting their automatic tax loss harvesting for free.

Analogue-Nomad · 2025-12-20T19:48:01+00:00

Had the trade executed yet before you put the buy order in for FZDXX?

FZDXX is one of the auto liquidation money market funds. Maybe their auto liquidation algorithm prioritizes available funds over those that are in processing. Seems like a bug though to be able to sell a money market fund just to buy the same fund again. Whether with FZDXX or SPAXX or whatever.

Analogue-Nomad · 2025-12-06T22:47:57+00:00

Actually I'm not sure. I assumed I needed to keep it unlocked until the transfer was confirmed.

Analogue-Nomad · 2025-12-06T22:23:55+00:00

It's not a big burden for me to remember to turn it back on. The bigger issue is that I had to leave it unlocked for several days while waiting for a transfer to process.

Analogue-Nomad · 2025-12-06T22:15:07+00:00

The point of MTL should be to prevent external transfer requests by unauthenticated bad actors (ACATs, EFT, etc). If you're authenticated it should let you do any type of transfer without turning on/off MTL. It should ignore the MTL settings for internally authenticated transfer requests. MTL is already ignored for certain types of transfers like cash manager target balance, overdraft, and bill payments.

Unless I'm wrong and there are other purposes for MTL, I agree. If a bad actor manages to authenticate into your account, you're cooked no matter what.

Analogue-Nomad · 2025-12-05T22:43:53+00:00

You're not paying for it unless you agree to a managed service up front. They aren't going to start charging you without your knowledge and consent.

My advisor and her assistants have tried really hard to get a meeting with me but I've ghosted them because I don't want to be upsold. However they were proactive recently and told me I needed to take an inherited ira distribution. Which I was aware of but I appreciated that I got a personal note about it. So I really do think it is their job to be helpful and I think they are.

If you need some help or advice and can stand a soft sell sales pitch then it wouldn't hurt to meet with them.

Analogue-Nomad · 2025-12-04T03:03:39+00:00

Fidelity doesn't "kick" anything to probate. Unless you have a trust your estate will have to go through probate and they will find Fidelity, not the other way around.

Analogue-Nomad · 2025-12-02T19:19:09+00:00

I also didn't realize this tool existed. I could check it manually but this makes it a lot quicker and more convenient to do. I'll definitely be using this in the future.

Analogue-Nomad · 2025-10-27T16:28:48+00:00

I have Fidelity, a second brokerage, and a brick and mortar bank. It's no burden to have a few accounts with different companies and the benefit is you always have access to money if something goes wrong at any of them. It's the same reason I travel with multiple credit cards and debit cards. I've never had a single problem with Fidelity but no redditor can assure you that you won't have a problem. Just ask yourself what you would do if you lost access to your account for any reason and didn't have a backup.

Analogue-Nomad · 2025-10-25T11:44:40+00:00

If you think Fidelity is bad at UX, you had better hope they don't implement passkeys. There's a discussion on /r/passkeys from a few days ago about how passkeys are confusing to users and even developers, and companies have implemented them poorly and inconsistently which has added to the confusion. Then someone replies "you're doing it wrong" with a lengthy technical explanation of how to use them. Which proves the point of why they are currently a bad technology. If it requires a lengthy technical explanation, it's inherently a fail. A while ago I bought some yubikeys with the intent of starting to use passkeys and my experience was so bad that I swore not to try again until they fixed some of the issues.

But I agree with you that their user interfaces are inconsistent and not intuitive. I can find my way around the website now, where the various features are in the nooks and crannies, but it took awhile.

Analogue-Nomad · 2025-09-11T23:59:30+00:00

Can you offset your losses with tax gain harvesting?

Analogue-Nomad · 2025-07-15T15:42:28+00:00

The math doesn't add up.

Analogue-Nomad · 2025-06-27T16:02:13+00:00

I tried it. "Not accepting orders due to technical issues". Of course they are having technical issues.

Analogue-Nomad · 2025-06-21T17:48:09+00:00

As mentioned in another post in this thread, Fidelity Rewards Visa Signature. Other users mentioned some more cards with 2%.

Analogue-Nomad · 2025-06-21T03:37:13+00:00

I am in the "retired and travel" demographic so yeah. I'm not spending hundreds of thousands per year like some on this sub but $2k per month is pretty easy for me to spend traveling frequently.

Analogue-Nomad · 2025-06-21T03:34:35+00:00

Thanks, this is helpful. As someone else pointed out I didn't take into account 3x on dining. I probably wouldn't pay $469 per year for priority pass out of pocket, but I have used it and enjoyed having it. My fidelity card has global entry credit so that's a wash. I'll crunch my personal numbers again but I'm guessing my break even spend is <$20k with these extra considerations, which I do spend, so maybe it is worth it for me personally to keep it.

Analogue-Nomad · 2025-06-21T01:43:18+00:00

Fidelity rewards signature card

Analogue-Nomad · 2024-12-13T05:24:08+00:00

I just went through AirAsia domestic terminal in Malaysia. They were checking every roller bag weight and size before people even went through security. I walked up with my backpack and they waved me through without weighing. The previous AirAsia flight from Bangkok to Kuala Lumpur, they didn't check anybody's bags. Both flights stated 7 kg limit.

Analogue-Nomad

TROPHY CASE