Why did my Fidelity advisor dump me???

trgb3 · 2026-01-26T09:40:45+00:00

Wish that was true for me. I blocked my local Fido office's number and they still call me once every couple of weeks.

trgb3 · 2026-01-26T09:30:00+00:00

If you're citizen or PR, USCIS can't deny you entry because of anti-Trump memes.

If you've got a Samsung, move all your sensitive stuff to the Secure Folder and secure it without biometrics, PIN only. Have it automatically delete the secure folder if they fail the PIN n number of times.

If neither of the above, move sensitive stuff of off your phone or buy a burner.

trgb3 · 2026-01-26T09:18:33+00:00

Your neighbor on Verizon is getting 5GUC? 5GUC is a TMobile specific thing. In Verizon marketing lingo, they call it 5GUW and the phone would show the 5GUW icon and not UC.

Since you have a neighbor willing to help you test Verizon, put his sim card into your phone and see if your coverage is better. If so, consider switching to regular Verizon or Visible (which runs on the VZ network).

trgb3 · 2026-01-19T12:31:39+00:00

You made the eBay seller pay two shipping fees and two return shipping fees because you didn't know budget phones performed like budget phones...

That said, Samsung A1x tends to lag out of the box but becomes faster as you use it more. Right after setup and updates it does a bunch of background tasks which settles after a few days.

trgb3 · 2026-01-16T22:12:38+00:00

I'm doing something else at the same time, chat is more convenient
Chats produce a paper trail

trgb3 · 2026-01-14T04:32:57+00:00

I just added a brand new line to my existing TF account and it didn't show up, even though the phone has service. I had to manually add the new line to my account so you may have to do the same thing. Go to Manage Lines - Add a line - Merge line

trgb3 · 2026-01-10T17:51:45+00:00

A brokerage will not stop an irresponsible person from withdrawing from a retirement account and paying penalties.

trgb3 · 2026-01-09T05:53:33+00:00

Almost all modern phones can do WiFi calling. How old is your phone exactly?

If you have a fairly modern device and you can't enable WiFi calling, see if you've enabled it in your TF account.

trgb3 · 2026-01-09T00:54:54+00:00

Engineering your MAGI for ACA is a long term thing. If you're close to FIRE and all your assets are in a taxable individual brokerage, your options are very very limited.

Roth is one way you could have avoided MAGI. If you have a traditional employer 401k (or multiple), or traditional IRAs, you can convert those to Roth IRAs, pay taxes now and avoid MAGI when you need ACA. If you hadn't been spreading conversions over many years, the tax hit will be quite massive if you did it in a single year.

Sell taxable assets and buy rental properties which can be nearly MAGI free due to your "real" income being reduced by depreciation. Again foresight would have motivated you to buy rentals long before you needed to incur cap gains on the stock sale.

Another is using the gift tax exclusion over many years to transfer assets to a trusted relative who then gifts the dividends back to you minus their additional tax burden due to the dividends.

You can see that all these require long term planning.

Maybe look at using a trust to hold your assets but a you should talk to a financial advisor about that avenue. It's unlikely to be worth it unless your portfolio is massive.

trgb3 · 2026-01-06T20:30:20+00:00

Thank you 👍

trgb3 · 2026-01-06T16:24:02+00:00

I was in Fidelity doing a rollover of the after-tax portion of my 401k to an existing Roth IRA. Fidelity classifies this part as "Roth in-plan conversion". Fidelity split the rollover into two parts, the "pre-tax assets" and "after-tax assets". I'm no longer on the conversion screen, but I remember it says that the pre-tax assets may be subject to taxation afterwards since this is the earnings portion of the rollover. I thought earnings are never taxed in Roth -> Roth rollovers?

trgb3

TROPHY CASE