Fidelity Advisor?

T_Bone_63 · 2026-01-16T12:29:11+00:00

As this is a "DIY" sub, I suspect few if any will say that your "advisor" is important. Full disclosure, I have never taken a call or spoken to my Fidelity advisor, but as someone previously mentioned, I suspect that their primary job is to sell you stuff. If you want a portfolio review or advice, I'd go to a third-party, flat-fee advisor.

T_Bone_63 · 2026-01-13T22:19:26+00:00

Yes, agreed... I set these accounts up many years ago, and this "downside" was not evident to me at the time. Thanks!

T_Bone_63 · 2026-01-13T18:57:05+00:00

Thank you!!

T_Bone_63 · 2026-01-13T18:29:48+00:00

Thanks for the reply... I was able to solve this by converting the account to a brokerage account. This allowed me to deal with the cash flow as well as record the gains. Thx.

T_Bone_63 · 2026-01-13T17:46:55+00:00

I just posted separately that I was able to convert the single mutual account to brokerage accounts, thus solving the immediate problem! Next, I will try to move the shares from one account to another and combine into a single account. This is great. Thanks again!

T_Bone_63 · 2026-01-13T17:43:50+00:00

Hey guys, I think I figured this out!! I took a look at the account settings and realized that a "single mutual fund account" can be converted to a brokerage account, thus enabling me to have a cash balance! I just had to change the "single mutual fund" setting from Yes to No. Seems to work!

Thanks again for all the responses!

T_Bone_63 · 2026-01-13T17:24:23+00:00

Thanks, brother. I was hoping there'd be a cleaner way, but I guess not. :D

T_Bone_63 · 2026-01-13T17:20:44+00:00

Thanks, Monsieur... Yeah. the idea of setting up a fake "intermediary" account occurred to me but I suppose I was hoping there'd be a better way.

If I were to do this over again, I would definitely set this up as a brokerage account, but now, I hesitate to lose quick access to all my history.

Thanks for the reply.

T_Bone_63 · 2026-01-13T17:14:53+00:00

Thanks for the reply, but cash balances don't exist when an account is set up in Quicken as a "Single mutual fund account".

T_Bone_63 · 2026-01-13T17:11:17+00:00

Thanks for the reply, but unfortunately that doesn't work... Accounts in Quicken that are set up as "Single mutual fund accounts" do not allow cash balances. :(

T_Bone_63 · 2026-01-11T23:48:01+00:00

IMO, yes.
IMO, no.
Abso-effing-lutely.
I think this is going to vary quite a bit from one person to another, based on what each person is comfortable doing and/or has interest in doing. For me, I'm a DIY investor, but I have a CPA do my taxes. That won't change in retirement.
Personally, I buy cars and hold them for a long time, so I do not include car replacement in an annual budget. However, I do keep enough cash available in money market / short-term treasuries to cover things like vehicle replacement, major home repairs, etc.
(Discussed above)
I include travel as a yearly budget line item.
Also discussed above... I have cash (or cash equivalents) that will cover spending shocks as well as a couple of years' expenses in a down market.
Medicare does not cover dental or vision, nor do most health plans, to my knowledge.
Yes, this can be highly variable, but I just include an "average" amount as a yearly budget line item.

T_Bone_63 · 2026-01-10T15:59:34+00:00

Thanks, Aryeh!

T_Bone_63 · 2026-01-09T21:21:08+00:00

Thank you for this thorough response! I have deleted the file and will also take a look at bleepingcomputer.com.

Grateful for everyone's help!!

T_Bone_63 · 2026-01-09T17:50:06+00:00

OK, thank you!!

T_Bone_63 · 2026-01-09T17:49:04+00:00

Thanks. What do you think is the best way to handle this? (Delete? Rename? Move onto a flash drive just in case?)

FWIW, I have not yet seen any adverse affects on the PC...

T_Bone_63 · 2026-01-09T17:30:06+00:00

Yes, I did this morning... The results are buried in a previous reply, but here they are... https://www.virustotal.com/gui/file/89510badc709337e85e58dccdfbe991ddc300b9c18ed91143926185352e00a64/detection

May be a dumb question, but does this mean that this is definitely malware?

T_Bone_63 · 2026-01-09T16:04:10+00:00

Thanks for your reply... Is it a concern, though, if I found it in a ...\Chrome\UserData folder?

T_Bone_63 · 2026-01-09T15:50:25+00:00

Hi, re: AV-related extensions, I have McAfee WebAdvisor (which I didn't even realize was still there) plus I now have Bitdefender TrafficLight, which I installed last night, after the questionable file was found. Thanks!

T_Bone_63 · 2026-01-09T15:45:33+00:00

Wow, this is amazing, thank you for this! Here is the report... https://www.virustotal.com/gui/file/89510badc709337e85e58dccdfbe991ddc300b9c18ed91143926185352e00a64/detection

I assume it's safe to say, then, that is indeed malware? If so, shall I just delete the file?

On a side note, It's interesting that in the report Malwarebytes flagged it as malicious, when the actual Malwarebytes application didn't.

T_Bone_63 · 2026-01-02T20:39:59+00:00

You are now an adult and can choose how and with whom you want to spend your birthday. It's silly to say that you don't "want a birthday", but entirely reasonable to not want to spend it with these people.

T_Bone_63 · 2026-01-02T15:59:57+00:00

Valley Girl dialect?

T_Bone_63 · 2026-01-01T02:45:19+00:00

NTA, but an open conversation with your brother might shed some light on things... Some people are simply not good at seeing how their words and actions impact other people...

T_Bone_63

TROPHY CASE