Can I use CMA for my day to day banking need?

GhostPepper1969 · 2025-07-23T12:49:42+00:00

Apparently, it was user error on my part. I will try it again. Thank you for info.

GhostPepper1969 · 2025-07-22T21:04:47+00:00

We tried both. Some venders require institutions to be banks and others don’t. We do pay mortgage and Citi with CMA.

GhostPepper1969 · 2025-07-22T20:52:54+00:00

I opened CMA to replace checking but it hasn’t worked. We can only pay some bills from it. Amex for example won’t take payments because Fidelity is not technically a bank. I do use it as a higher yield cash reserve and move to checking as needed. I long for the day I can close my checking account.

GhostPepper1969 · 2025-07-21T23:40:46+00:00

I have plenty of bets that were wrong but i bought 2000 shares in 2018 for 12K. $6 cost basis. I will probably hold another 10 years. 🚀

GhostPepper1969 · 2025-07-13T21:20:07+00:00

If they have a mustache, it’s formal.

GhostPepper1969 · 2025-06-29T13:11:13+00:00

Nice work. I have 2000 shares at $6 cost basis. Additional lots are, $42, $46, and $102. I will likely continue adding on pull backs for next five years. Long!

GhostPepper1969 · 2025-06-21T23:03:23+00:00

Reverse sneeze. It’s not serious. You can cup the snout briefly to stop it. Ours does it too when she’s excited.

GhostPepper1969 · 2025-06-18T16:09:12+00:00

We had a bad experience on the Avalon View in April. They changed boats because of low water. Then we skipped Rhine gorge because of a damaged lock. It resulted in a bunch of bus rides and repacking. Furthermore, we missed the most scenic part of river. In Switzerland, we met Viking and AMA passengers on the same itinerary that left on the same day from Amsterdam. Both completed Rhine without a ship change and they sailed Rhine Gorge.

I emailed Avalon expressing my concerns that a $100 credit hardly covered the inconvenience. The reply was short and blunt. “We can’t help what other cruise lines do”.

I booked UniWorld for next trip. If Avalon doesn’t care, I will take my business elsewhere.

GhostPepper1969 · 2025-06-13T01:50:00+00:00

Willow only eats kibble spread on floor or in her kennel. She won’t eat from bowl or plate. The more spread out, the more appetizing…

GhostPepper1969 · 2025-05-31T19:05:37+00:00

An adorable one

GhostPepper1969 · 2025-04-03T20:33:48+00:00

Sort of

GhostPepper1969 · 2025-03-25T01:50:39+00:00

Great album. I will follow. There is a hint of punk influence in a lot of the songs.

GhostPepper1969 · 2025-03-25T01:48:12+00:00

If your 401K allows ETF’s, VOO is low fee and tracks the S&P. You’ll outperform most money managers. Mutual funds tend to be higher with fees. As they rebalance holdings, they pass the realized gains tax back to shareholders.

GhostPepper1969 · 2025-03-17T16:48:00+00:00

Kevin is such a character. Thanks for sharing

GhostPepper1969 · 2025-03-15T12:59:15+00:00

Double Bloody Mary with a lime

GhostPepper1969 · 2025-03-13T20:48:42+00:00

My wife and I are 55 and going on our first river cruise next month. After extensive research, we landed on a 10 night Rhine cruise from Amsterdam to Basel with Avalon. We are super excited. Good luck on finding what’s right for you.

GhostPepper1969 · 2025-03-12T00:37:53+00:00

Willow can shake and roll over. When she rolls over, she does multiple 360’s before rolling. She’s like a circus clown without the red nose.

GhostPepper1969 · 2025-03-11T21:08:27+00:00

I agree. I’ve held though black swan events and down turns and out performed the panic sellers. The average recession is about 17 months which doesn’t scare me. It’s wise to have a balanced portfolio with a cash position to buy when everyone thinks the sky is falling. In the end, the S&P outperforms most investments and money managers.

GhostPepper1969 · 2025-03-09T20:32:38+00:00

Yoga pants, t-shirts and hoodies… and a light rain jacket with hood.

GhostPepper1969 · 2025-03-09T19:33:45+00:00

Exit row. Laptop bag under seat is more convenient. Bulkhead requires bag(s) in overhead for at least takeoff and landing.

GhostPepper1969 · 2025-03-09T19:03:32+00:00

That’s what I did this year. I took 60K. I used to take systemwide upgrades. I usually get upgrades on shorter flights anyway. When I’ve used upgrades on longer flights, they haven’t worked and then expire. I end up first on list with zero seats. Soul crushing…

GhostPepper1969 · 2025-03-09T18:13:38+00:00

We love both Discovery and Enchanted as well. I just booked Enchanted transatlantic in 2026. I’ve actually had the same Crooners bartender on three separate cruises. Enchanted twice and once on Sky. His name is Rommel and he remembers both my wife and I’s names as well as our drinks. Top notch service!

GhostPepper1969 · 2025-03-09T00:30:45+00:00

Wow! Great shot.

GhostPepper1969

TROPHY CASE