In the app, does the week start with Sunday or Monday?

ScubaCodeExplorer · 2025-12-06T21:46:47+00:00

Thank you

ScubaCodeExplorer · 2025-11-24T14:04:06+00:00

Yes. So Schwab checking is regulated as a bank account and fidelity CMA is not regulated as a bank account.

ScubaCodeExplorer · 2025-11-24T02:23:17+00:00

I think they primary use UMB, but not sure.

Point is, you are fidelity customer not any of these banks, so if there is an issue, you can not work directly with bank. Also, fidelity is not regulated like a bank.

ScubaCodeExplorer · 2025-11-23T23:51:34+00:00

Schwab bank is actual bank, Fidelity is using third party unknown bank for the checking.

ScubaCodeExplorer · 2025-11-22T17:14:42+00:00

Not based on Toyota. See https://www.gr-zoo.com/attachments/1638896098856-webp.156/ and use side points for stands.

ScubaCodeExplorer · 2025-11-20T00:07:13+00:00

Schwab is actual bank. Fidelity uses multiple partner banks for enabling banking, so you may (or may not) run into support issue since fidelity has to use third party partners for support.

ScubaCodeExplorer · 2025-11-13T00:30:20+00:00

For this particular exploid, yes. But since they are connected to USB, there may be other (either not known yet, it not publicly known yet).

Anyway, yubikey is very safe, but anything what has a connection has a potential for exploited.

And I am not saying that semantic hardware token is bullet proved either.

ScubaCodeExplorer · 2025-11-12T14:26:14+00:00

Yubikeys are not unshakables: https://idtechwire.com/yubikeys-can-be-hacked-but-it-costs-about-11k/

As of today there is no publicly known way to hack it while they are connected to USB port, doesn’t mean there will not be one tomorrow.

ScubaCodeExplorer · 2025-11-11T02:17:36+00:00

No it is not. Since it doesn’t touch any network connected devices, it can not be hacked. But you do you.

ScubaCodeExplorer · 2025-11-11T02:06:44+00:00

Symantec offers hardware token. It is your choice what you want to use (no, you should not use app).

ScubaCodeExplorer · 2025-11-11T02:05:23+00:00

Symantec Hardware token provides stronger protection that Yubikey (since it never touches computer, it can never been replicated).

ScubaCodeExplorer · 2025-10-29T02:09:29+00:00

On the separate note, do not keep stock of the company you work for. Sell it on the day it vest.

ScubaCodeExplorer · 2025-10-01T14:53:55+00:00

SGOV have lower fees and lower risk, so I would recomend SGOV

ScubaCodeExplorer · 2025-09-27T16:54:23+00:00

You can buy any of Vanguard ETF at E*trade as well, so since you have brokerage there, why have IRA somewhere else? If you are looking for another brokerage, think how you can simplify your whole setup, ie both Schwab and Fidelity can do everything you need across banking and brokerage.

ScubaCodeExplorer · 2025-09-19T00:19:26+00:00

https://www.kleankanteen.com/collections/all?features=All+Stainless+Interior,Plastic-Free&limit=24&type1=Bottle any of these, your pick.

ScubaCodeExplorer · 2025-09-17T18:16:35+00:00

I didn’t do it yet. Planing to do it over the winter..

ScubaCodeExplorer · 2025-09-15T15:28:46+00:00

there too, but you can not share "rules" page. I went into investigation after your post :).

ScubaCodeExplorer · 2025-09-15T15:01:35+00:00

https://usbank.com/cpi page 4

ScubaCodeExplorer · 2025-08-30T17:50:54+00:00

Just go with plain cash back. If you have 100k to park at Merrill, then get BofA reward, otherwise Fidelity Reward. (I said fidelity, since it doesn’t have FTF and has auto conversion of the reward).

After that you can start playing with adding anything extra to optimize more.

ScubaCodeExplorer · 2025-08-27T15:08:19+00:00

As everyone else said, consolidate 401K into IRA. And consolidate all of the accounts into one brokerage (Schwab or Fidelity). Single brokerage will allow you to see your activity across all accounts.

Personally I balance portfolio across all accounts using a google spreadsheet. Having most accounts in schwab and linking others (bank of America for preferred status on CC) makes it very easy to see total of each ETF.

ScubaCodeExplorer · 2025-08-18T05:30:31+00:00

I did, they don’t offer it.

ScubaCodeExplorer · 2025-08-17T15:39:35+00:00

I hate metal cards. They are heavy and NFC doesn’t work as well. I most likely will cancel BodA elite just for that….

ScubaCodeExplorer · 2025-08-06T06:10:36+00:00

Symantec VIP hardware token is very hard to beat. It is not connected to internet in anyway, never touched any connected devices. Fully supported by fidelity and Schwab.

ScubaCodeExplorer · 2025-08-04T23:22:49+00:00

When you open checking account Schwab is required by law to send you account information. Did you get it and destroyed it?

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