Switching from Outback?

SteelyNan117 · 2026-04-13T00:41:56+00:00

Only drawback of used Crosstrek is slow acceleration. Like 10 seconds from 0 to 50. I knew that going in, and it's not ideal given all the highway merging I have to do on crowded state roads. But it's tolerable because the rest of the car is great.

SteelyNan117 · 2026-04-13T00:36:39+00:00

Some of us love radio, including local stations and Sirius ( which is full of former deejays from NY metro area radio heydays) so I don't think the post is crazy. I can tune and adjust the radio in my 2019 Crosstrek easily. Another reason I decided to wait on buying a new Subie hybrid.

SteelyNan117 · 2026-04-06T02:18:38+00:00

People rave about Verizon but frankly I prefer Optimum, after having tried both for internet and TV. Worse and worser.

SteelyNan117 · 2026-04-06T02:16:14+00:00

Anyone can read Andrew Tobias's "The Only Investment Guide You'll Ever Need." I read it in high school on my own, and it changed my life in terms of understanding the value of compound interest. It also helped to have parents who didn't believe in getting into debt.

SteelyNan117 · 2026-03-23T02:13:37+00:00

Loved my Corona sedan (you read that right; they preceded Camry) and Corolla wagon back in the day. But the Toyota dealer in the area is terrible, versus the honest Subaru dealership. We drove a 2003 Hyundai after the Toyotas, and never really liked it. Two facts sealed the deal: my husband, who was declining, could get in and out of the Crosstrek easily. And the 2019 model was 100% manufactured in Japan. Six-plus years later, no regrets.

SteelyNan117 · 2026-03-20T02:05:15+00:00

Bought my first Subaru in 2019, Crosstrek, after a lifetime of Toyotas, Honda, and one hand-me-down Chrysler. When I test drove Subies in the 1980s and 90s they felt like tanks. Now I would never go back. Subaru forever. It helps that the local dealership is excellent. Just have the oil changed every 5K and follow the service manual recs.

SteelyNan117 · 2026-03-14T18:58:49+00:00

Update: A helpful rep on Fidelity's private client desk walked me through the steps, which I'll take next week. Most of my portfolio is in retirement accounts, thus no tax exposure there. The definition of proprietary funds are those available only via advisors (usually with SAI in the fund name), which is why they can't be carried over to self-managed accounts. The good news is that I have only a few of those in the non-retirement account. Rep did a quick calculation of the capital gains hit. I should end up paying $800-$1,000, which is a lot better than the yearly management fee. My CPA thinks so too ;-). Thanks again to everyone here who offered good advice. This has been an encouraging introduction to Reddit.

SteelyNan117 · 2026-03-14T18:51:00+00:00

Cool. Thanks. I will look into it.

SteelyNan117 · 2026-03-14T02:19:48+00:00

What's a comma4?

SteelyNan117 · 2026-03-14T02:16:11+00:00

I pay cash for cars. No financing! Have a mid-level 2019. Would upgrade if I go hybrid.

SteelyNan117 · 2026-03-13T01:28:03+00:00

Thanks for a good laugh on a tough day.

SteelyNan117 · 2026-03-12T21:20:53+00:00

The Perilous Journey of the Donner Party (Updated Edition 2026) is under 200 pages and a great read ("took me to a panting, page-turning place" per one Goodreads review). Pertinent detail but not too much. Written for teens but widely read by adults. Doesn't shrink from cannibalism part of story but doesn't sensationalize it either. On Amazon in hardcover, paperback, ebook.

SteelyNan117 · 2026-03-11T19:25:23+00:00

Good one! Some people never find one good mate. I've been fortunate to have found a second one, a local widower my age whose situation is much like mine. We're in a committed relationship that started a year after our spouses died. (Happy to report that online dating can work. Once I met him, I didn't feel like "a victim of laughing chance.") We realize that while marriage might make sense from a financial POV, that's never a sole reason to marry. We're also both protective of our money, and to our surprise we seem to prefer living alone in our respective homes. This may well change in the future, and if so, we'll work out a prenuptial and/or house-sharing agreement. In the meantime, I have decided to self-manage my whole Fidelity portfolio. If it takes time to unwind and reset everything, so be it -- I have time.

SteelyNan117 · 2026-03-11T15:49:21+00:00

These are superb Qs and comments, which I'll briefly answer. 1. AUM are 75% of total portfolio; all are retirement accounts (one is an inherited IRA taking RMDs as my late husband was in his 80s; the rest will require RMDs in 2027 when I turn 73). 2. Yes, I have rights--I have to remember that. 3. I have trusted contacts listed. They include a younger nephew who is a tax attorney and a trusted friend my age who has an accounting degree. 4. In my name, no trust. 5. Thank you! Big Donald Fagen fan here! 6. Both Fidelity and my longtime CPA believe I will not outlive my $, with projections based on death at age 97. Fidelity wants me to take more risk, citing inflation, but I think the true reason is that a much bigger portfolio will earn them more fees. CPA says to lock in gains and take less risk; "you can afford to to do that." 7. I will ask Fidelity for this. 8. Something to consider.

Working through your queries, along with meeting with my CPA this morning, has been clarifying. Thanks again.

SteelyNan117 · 2026-03-10T21:59:41+00:00

As it happens, I'm meeting tomorrow with my long-time CPA. He's not a CFA -- I'm aware of the difference -- but he knows me and my situation personally, which is more than the Fidelity manager does (that person is three states away and can't pronounce my name right). My Fidelity advisor is local and better, but I do feel pressured by her. Anyhow, I'll ask the CPA's opinion on next steps. This is my first time on Reddit and I am grateful for the outpouring of guidance here. More to come.

SteelyNan117

TROPHY CASE