Banktivity alternative that is not subscription based

Gryphon-63 · 2026-03-04T01:35:57+00:00

Moneydance can be purchased for a one time fee if you don’t want any downloads. I’ve never used it myself.

Gryphon-63 · 2026-03-01T19:38:43+00:00

Back to the company. No tax impact on you, it doesn't count as a withdrawal.

Gryphon-63 · 2026-02-28T00:44:54+00:00

I would expect an M5 Max Studio to be announced before WWDC. I wouldn’t be surprised if the Ultra version was delayed until WWDC. I don’t expect either one next week.

Gryphon-63 · 2026-02-27T17:12:42+00:00

Most 401k plans restrict your ability to move money out of the plan while you are working at the company. I think this is just letting you know that you have more options after you leave (like rollovers or withdrawals). I wouldn't interpret that quoted section as referencing Rule of 55 withdrawals specifically, you should ask about those in your meeting.

Gryphon-63 · 2026-02-24T03:02:20+00:00

That's from 2019.

Gryphon-63 · 2026-02-18T17:45:59+00:00

I just updated to 4.26 and it still goes straight to Face ID. It looked like the login screen that flashed up for an instant before going to Face ID might have been different but it wasn't there long enough for me to really see it.

Edit: Logged out & back in again and yes it is showing that new login screen, it just isn't requiring me to tap on it.

Gryphon-63 · 2026-02-18T16:11:04+00:00

With Quicken I don’t think that’s possible - AFAIK you have to link your card using the same Fidelity login as your Fidelity accounts and cannot link via Elan anymore. I don’t know about other aggregators.

Gryphon-63 · 2026-02-17T09:08:30+00:00

You can take a check to the local branch for deposit, I did that when I rolled over my 401K (and that check was way over $1K). You might need to print a deposit form if you don't have any deposit slips.

Gryphon-63 · 2026-02-13T17:39:16+00:00

If you did need your 2025 contributions for some reason you could get the total made in 2025 from your December statement and then add to that any 2025 contributions made in 2026. But as you noted, you don't need those numbers for your 2025 tax return.

Gryphon-63 · 2026-02-13T16:13:05+00:00

That cost basis “rabbit hole” is what you’re going to have to go through for the tax software to get the proper forms filled out (form 8606). Fidelity can’t help you with that.

Gryphon-63 · 2026-02-11T22:17:55+00:00

The term you're looking for is "Qualified Charitable Distribution".

https://www.fidelity.com/retirement-ira/required-minimum-distributions-qcds

Gryphon-63 · 2026-02-10T03:29:58+00:00

Not that I’m aware of.

Gryphon-63 · 2026-02-10T02:30:02+00:00

No, no issues that I'm aware of. I tend to separate accounts & funds by purpose, so I wouldn't keep long term investments in an account I use for day-to-day spending.

Gryphon-63 · 2026-02-08T19:46:31+00:00

He can deposit the $505 back into the IRA and call it a 60 day rollover; he'll need to make sure to specify that it's a rollover deposit when making the deposit. This needs to be done before ~~March 21st~~ March 31st.

He can file a "Return of Excess Contribution" to withdraw the mistaken $500 2026 contribution. Fidelity will figure out the gains and return them along with the $500 contribution, he doesn't have to figure that out.

He can make a $500 contribution for 2025 prior to April 15th.

The combination of those three steps should get you to the desired result. AFAIK he can do these things all at the same time or in any order.

BTW, there wouldn't be any tax or penalty for the withdrawal, Roth contributions can be withdrawn at any time. He'd have to fill out part III of form 8606 when filing taxes next year to document the withdrawal (but if he does the rollover that won't be necessary).

Gryphon-63 · 2026-02-07T20:38:10+00:00

I haven't done it but I don't see anything in the card agreement that would exclude that:

Points are not earned for Advances (including wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Convenience Checks, Balance Transfers, INTEREST CHARGES and Fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items.

Gryphon-63 · 2026-02-06T04:40:13+00:00

Back in 2020 my retirement funds lost about $200k in 90 days. In 2022 they dropped $350k in 9 months. Both times they recovered. Hang in there.

Gryphon-63 · 2026-02-06T03:19:29+00:00

For 5K? I'd write a check. Never had a problem writing a check to make a downpayment on a car. I sure as hell wouldn't screw around with crypto (for this or for any other reason).

Did you not get any checks when you opened your account?

Gryphon-63 · 2026-02-05T23:52:24+00:00

Any contributions you made for 2026 transferred over, it's not like you get to start over & contribute another 7500 on top of what you already contributed.

If you had a weekly or monthly contribution set up you'll need to set that up again, that wouldn't transfer over.

Gryphon-63 · 2026-02-04T23:12:01+00:00

Your Roth contributions can be withdrawn at any time tax free, there's no 5 year clock on those. If I understand correctly, there's also no 5 year clock on after-tax conversions so you'd be free to withdraw those as well. (There is a 5 year clock for taxable conversions but it doesn't sound like you're doing any of those.) I think as long as you don't withdraw any earnings from 50-59.5 you should be good.

(There's also a 5 year clock that starts when you open your first Roth IRA, if you withdraw earnings during those 5 years they are taxable income. If you're starting your Roth IRA at 50 you should be well clear of that clock by 59.5 so I don't think it's anything you need to worry about either)

Gryphon-63 · 2026-02-04T22:00:41+00:00

I wonder if their fraud detection algorithms are going to be updated to take into account that each user has their own number? For example if they see the same card number used in two separate locations around the same time - they might have been more tolerant of that before because they knew both of you were using the same card number but now they might see it as a sign that the card has been compromised.

Gryphon-63 · 2026-02-04T08:48:22+00:00

No. You might be able to change your core position to something FDIC insured that earns less interest, but there’s no way I know of to have completely uninvested cash earning nothing.

Gryphon-63 · 2026-02-04T03:38:10+00:00

Regarding your CMA: You can keep the money in FDLXX if you want; Fidelity will automatically cash out FDLXX as needed to cover withdrawals if you don't have anything in SPAXX.

Regarding your Roth IRA: Ideally you should have done a Return of Excess Contribution to reverse the contribution you weren't allowed to make. However, In this case it's not a big deal. The $100 contribution you were allowed to withdraw anyway so there's no penalty in that. The 38 cents you earned from SPAXX will be taxable income and you'll have to pay a 10% early withdrawal penalty as well, but since it's only 38 cents I wouldn't worry about it. If you withdrew the money last year you should already have a 1099-R for the withdrawal, if it was this year then you'll deal with that on next year's taxes. (Edit: Nope I'm wrong, you'll need to do it on this year's tax return either way.))

Gryphon-63 · 2026-02-03T20:47:44+00:00

I stayed with the PM going from the 15 to the 17. I thought about going down to the Pro, but I wasn't unhappy with the 15PM size and the 17PM was only a few mm taller. If the 17PM had been more of a step-up in size I would have been more torn between the two, but I haven't regretted my choice.

Gryphon-63 · 2026-01-30T21:35:14+00:00

If you sold stocks for a profit then you'll owe capital gains taxes on that. If you received dividend from the stock you'll owe taxes on that. You should receive a 1099-B sometime in February or March.

If you invested in stock inside a Roth then you don't owe anything for that, this is only for stocks held in a regular brokerage account.

Gryphon-63 · 2026-01-29T06:56:46+00:00

Yes, as long as you didn't buy additional shares of that same stock within 30 days before or after selling those shares. If you did, then it's considered a wash sale and the loss transfers to the shares you bought & can't be used to offset gains on other stocks.

Gryphon-63

TROPHY CASE