ET
Energy Transfer LP Common Units representing limited partner interests
stock NYSE

https://preview.redd.it/0dwcyd2hy0zg1.png?width=1340&format=png&auto=webp&s=14fb5d7e944d6ecfb8ad53b3de3ab3e552fdc337
**📊 Key U.S. Economic Data — Monday, May 4, 2026 (ET)**
**None scheduled**
⚠️ For informational purposes only. Not financial advice.
📌 #EconomicCalendar #USMarkets

Solid post the “wait for confirmation after the tap” twist is the part I think most retail ICT traders skip. Couple questions to fill in the gaps:
1. TP/target do you scale out at the next opposing liquidity pool, run a fixed R:R (e.g., 1:2, 1:3), or trail off market structure?
2. HTF specifically when you say “Higher TF,” is that H4 sweeps you’re looking for? H1? Daily? Or any TF above your entry chart?
3. Sweep validation does the wick just need to take out the prior swing, or does the candle need to close back inside the level for the sweep to count?
4. Time/session filter only trading kill zones (London 2–5 ET / NY open 8:30–11 ET), or anytime the setup forms?
5. Position sizing fixed % risk per trade, or do you scale up on higher-conviction setups (e.g., sweep + SMT both confirming)?
6. Hit rate / sample size over how many trades / what timeframe are you running this? Curious if it holds up over 50+ trades.
7. Pairs / instruments only NQ/ES, or have you tested it on forex majors / metals? Some setups port cleanly, others don’t.
8. Biggest failure mode what kills the setup most often? Sweep that doesn’t reverse? Inversion tap that just keeps going? Helps to know where the strategy bleeds.
Appreciate you sharing the framework.

Welcome to the community, u/Some-Belt-7738. You’re in the right place, so let’s chat about your 401(k).
First, I want to review fund liquidation in your 401(k). The investment choices for 401(k) accounts depend on the rules provided by the employer plan. Before updating your current allocations, you can view what is available on NetBenefits.com by logging in and choosing "Quick Links" next to your plan, then selecting "Investment Performance & Research." That said, sometimes a cash investment isn't available to you; however, there may be other choices that fit your needs.
Next, the ability to withdraw funds from your 401(k) while still working is plan-specific, as some employers will allow it while others will not. If you can withdraw the funds, they're generally still subject to taxes and early withdrawal penalties if applicable. It's also important to note that Fidelity does not determine whether a withdrawal is a hardship withdrawal; that decision is made by you and the IRS.
You can find out your plan's specific rules regarding withdrawals by reviewing your Summary Plan Description (SPD) on NetBenefits.com by following these steps:
1. Click the three dots next to your plan that says "Quick Links"
2. Choose "Plan Information and Documents"
3. Select "Summary Plan Description (SPD)"
You can learn more about withdrawing from your 401(k) at the link below.
[Thinking of taking money out of a 401(k)?](https://www.fidelity.com/viewpoints/financial-basics/taking-money-from-401k)
If you'd like to discuss your plan's specific rules in more detail, you can also contact our Workplace Investing team. Representatives are available Monday through Friday, 8:30 a.m. to Midnight ET, at the information below.
[Contact Us](https://www.fidelity.com/customer-service/contact-us)
If you have additional questions, please don’t hesitate to let us know. I hope you have a wonderful rest of your weekend!

Hey there, u/Effective-Value-1748. Allow me to step in here and assist.
To start, workplace plans vary between employers and may have unique rules. If you're unable to find what you're looking for in the Plan Fact Sheet, you can also review your plan's Summary Plan Description (SPD) for the information. You can find this by clicking the same three-dot menu u/FidelityLizG shared next to your employer's plan, then selecting "Plan Information and Documents."
If you're still unable to locate what you need, our Workplace Investing team members are available for you to call over the phone with plan-specific questions. The availability of our associates varies by plan, but they are generally available Monday through Friday from 8:30 a.m. to 12:00 a.m. ET. Please respond with "401(k)" when prompted by the automated system to be connected.
[Contact Us](https://www.fidelity.com/customer-service/contact-us)
We appreciate you reaching out to us here. If you have any other questions, we're always just a few clicks away.

Hey, u/RunAnEasy10Miles. Thanks so much for choosing Fidelity.
Designations like Premium Services are based on the breadth of our clients’ relationship with us and are a way for us to recognize and thank you for choosing Fidelity. Regarding a specific threshold, clients who reach $250,000 in retail assets will typically be upgraded to Premium services.
However, these service tiers can be specific to each client, and there is no set timeframe for when that would automatically occur.
You can contact our Investment Solutions team to talk about qualifications and services in more detail. The team is available Monday through Friday from 8:00 a.m. to 8:00 p.m. ET. You can reach them using the link below. When prompted by the automated system, say "investment solutions" to be routed to the correct group.
[Contact Us](https://www.fidelity.com/customer-service/contact-us)
Thank you again for your time and business. Have a good rest of your weekend.

Sharing my macro calendar notes for tomorrow. Here's what I'll be watching:
\*\*RBA Rate Decision - 8:30 PM ET (TOP EVENT)\*\*
Prev: 4.1% | Consensus/Forecast: 4.35%
Markets pricing a 25bps hike. AUD/USD and ASX futures will be very active around this. If they hold instead of hiking, AUD drops fast. The 9:30 PM press conference tone on future hikes matters a lot too.
\*\*Fed Williams Speech - 8:50 AM ET\*\*
NYFed President. If he signals anything about June FOMC (hold/cut), USD and bond markets will react immediately.
\*\*US Factory Orders MoM March - 6:00 AM ET\*\*
Prev: 0% | Consensus: +0.4% | Forecast: +0.5%
First meaningful US data of the week. A beat = USD support, miss = risk-off tone.
\*\*Indonesia GDP YoY Q1 - 8:00 PM ET\*\*
Prev: 5.39% | Consensus: 5.3% | Forecast: 5.6%
EM Asia indicator.
\*\*ECB all day\*\* - Cipollone speech, Annual Report, de Guindos x2, ECOFIN meeting. EUR/USD watch.
\*\*Spain Unemployment April 11 PM\*\* - prev -22.9K, consensus -18.6K
\*\*Turkey Trade Balance April 11 PM\*\* - prev -$11.2B, forecast -$8.0B
Bottom line: light US event risk during regular hours. RBA overnight is the week opener catalyst. Position AUD pairs before 8:30 PM ET.
Not financial advice - sharing for discussion. What are you all watching tomorrow?

Thanks for getting back to me, u/Prudent_Blueberry165!
I think defining what pre-tax, after-tax and Roth contributions will be really helpful here and may clear up some things. Let's break down each type:
* Pre-tax contributions are made with money that has not been taxed. This means the amount you contribute is deducted from your taxable income, grows tax-deferred, and is taxed on withdrawal.
* Roth contributions are made with after-tax money. Contributions can be withdrawn tax-free, and once you have reached the age of 59.5 and met specific criteria, earnings can be withdrawn tax-free as well.
*After-tax contributions like Roth contributions are made with after-tax money. The main difference is while contributions can be withdrawn tax-free, any potential growth of after. While similar, after-tax has its differences!
[Here's a great article that gives additional insight on these contribution types](https://www.fidelity.com/learning-center/personal-finance/retirement/401k-taxes)
Now that we got the big three out of the way, let's quickly discuss those other categories you mentioned. Ultimately, these seem to be company specific sources based on contributions/events that have been made in your account. If you would like to learn more about these categories and what caused each, I recommend contacting our Workplace Investing team by phone as they will be able to review your plan in further detail. Associates are available Monday through Friday from 8:30 a.m. to 12:00 a.m. ET.
[Contact Us](https://www.fidelity.com/customer-service/contact-us)
If there is anything that is still unclear here, please do not hesitate to follow up and let me know.

So many other brokers do it via just purchasing at open or some arbitrary time (noon ET, etc). Time of day is so irrelevant for long time investment.

Keep investing in MF. Do subscribe to Moneycontrol or ET Prime and read researched stories for better understanding and start putting in stocks.

$ET & $LNGX are my newest Dividend & Growth Adds to my portfolio…. Ive been in $ET from $5-$20 too a year off now $19 is my latest entry… i cant resist the 8% quarterly dividends & expected growth in LNG exports… whats you best Dividend producers?

Did ET fall on hard times? What the hell is happening? 🥴

Its a swing trade app so the more symbols you add to your dashboard, the higher chance it will meet criteria when it scanned around 3 PM ET daily (main signals happen here!)

Currently its a swing app that UPDATES once a day at 3 PM ET. Looking at day trading feature later on.

$MSFT, .88% is my largest dividend payer. QQQI & SPYI & XDTE for "dividend" cash flow. The last to always have a guaranteed loss to tactically offset a small gain, if need be.
Also big lumps of $ET and $EPD, but those are mostly "return of capital."

It's the same I thought, but I'll earn more. That all ended yesterday when I needed a critical wire transfer sent for a new property I'm leasing. I've previously sent many wires from my previous Banks for real estate transactions like this and never had a problem. The wires were always received the same day, that is why I sent the funds via wire. Not at Fidelity. The information I provided was 100% accurate based on a Chase for Business (JPMC) printout provided to me in-person by the wire recipient. I made several calls to Fidelity yesterday and each time I was assured the wire was sent despite the online "Status Tracker" showing my "Completed" wire transfer with the "Federal Reference ID" as "Pending."
Long story short, the funds weren't received and I lost my "dream" luxury condo. Definitely not worth the few hundred dollars I earned.
If you are interested in how Fidelity responded, here is this morning's chat verbatim with personal info and the profanity I was pushed to after I passed the breaking point removed to comply with r/fidelityinvestments Rules. I also added "ME:" to make it a little more readable:
**ME: The wire I requested yesterday morning has not been received by the recipient. Why?**
You can track common requests like account transfers, EFTs, bank setup, margin, or options applications using the [Status Tracker](https://digital.fidelity.com/ftgw/digital/activity-status-tracker?ccsource=FA).

If you're trying to find out how long a request might take, start by choosing a direction:
**Out of Fidelity**
Bank wires requested by 4pm ET will arrive in your bank account same day. Wires requested after 4pm ET will arrive in your bank account the next business day. If your withdrawal has not arrived after that time, please contact us.
**No, this response was not helpful**
Thanks for the feedback. What was the main issue?
**Unhelpful next steps**
Thank you for sharing that. You can connect with a representative if you need more support.
**Chat with a representative**
Customer support is available around the clock, 365 days of the year. There are two ways to connect.

**Chat live online**
For general questions about Fidelity accounts, products or services, associates are available during the following hours:

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Sat - Sun: 9 a.m. - 4 p.m. ET

Questions about Fidelity Crypto®, Fidelity term life insurance and annuities, or you need Tech Support? Check out 'Alternate live chat hours' to see when these associates are online to assist you.

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**Fidelity account – trading, moving funds, tax forms, etc.**
Please provide more details about your question or concern. It'll help us get you to the right customer support associate.

We'll also share these details with the representative who'll assist you today.
**The wire I requested yesterday morning has not been received by the recipient. Why?**
Please wait a minute while I connect you with a live chat representative. There may be a brief delay before the chat appears.
Session has been authenticated
Thank you for contacting Fidelity Investments. All interactions are subject to recordkeeping and monitoring. Brokerage chat representatives are registered with Fidelity Brokerage Services LLC and are able to accept only trading requests to buy, sell, or exchange mutual funds in retail self-managed accounts. They are unable to accept trading requests to buy, sell, or exchange any other securities or digital assets, or to process any transactions in your retirement savings or benefit plan, nor do they provide legal, tax, or investment advice. Brokerage services are provided by Fidelity Brokerage Services LLC, a member of NYSE and SIPC. 866914.12.0
**You're now connected**
New party ('Mike') has joined the session
ME: The wire I requested yesterday morning has not been received by the recipient. Why?
https://preview.redd.it/k1esnr64oryg1.png?width=48&format=png&auto=webp&s=95e8fe300750adcf096ec1843f972f2d6249e742
Mike
Hello. Thank You for contacting Fidelity Investments. My name is Mike, part of the Client Services' Team. I understand that you requested a wire yesterday and that it has not been received by the third-party. I will take about  \*\*\*\* transaction to determine the issue. From what account were the funds coming?
ME: XXXXXXXXXX
https://preview.redd.it/bqp6m074oryg1.png?width=48&format=png&auto=webp&s=4afb1d437759564407273feb9daa6bc7e1df5229
Mike
Thank You.
https://preview.redd.it/2bpwtn64oryg1.png?width=48&format=png&auto=webp&s=07f4c3a19bdaf0c9f2b4f9f38c4a7b3b36c18270
Mike
I see the wire was disbursed by Fidelity at 3:00 pm ET in the amount of \*\*\*\* The wire is going JP Morgan Chase and the beneficiary's name on the account is XXXX XXXXXXXX.
ME: Well it didn't make it to JPMC
https://preview.redd.it/x067do64oryg1.png?width=48&format=png&auto=webp&s=204bc0d953f2c15484822d4a7d724169807bf952
Mike
I see no notes on my end about it not arriving. Have you spoken with JPMC?
ME: The recipient has. I need to provide him with the IMAD/OMAD number for them to research it. This shows as "Pending" on the Fidelity Status Tracker. I'm told that this means the Fed never received the wire.
This needs to be resolved today and be in the queue to be sent first thing on Monday as I am literally homeless in Mexico for the weekend do to this error.
https://preview.redd.it/o6861p64oryg1.png?width=48&format=png&auto=webp&s=54b12667900ae573864ff2be82ad17c191fb174d
Mike
Source ID / Type: \*\*\*\*\*XXZXX / XTNL
https://preview.redd.it/6sk2xh64oryg1.png?width=48&format=png&auto=webp&s=0be1b18d8839ad9f0942bc84446faf95ffb44f03
Mike
Offset Account \*\*\*\*\*\*XXXX
ME: Why does status tracker show it as pending?
https://preview.redd.it/9z6hsn64oryg1.png?width=48&format=png&auto=webp&s=2b7995ba57a12f09b98954d96d4ef7be80682fca
Mike
JPMC Account Number: \*\*\*\*\*XX
I see now that that is my SSN
https://preview.redd.it/q8olbp64oryg1.png?width=48&format=png&auto=webp&s=3531061605827ea9ffeb1318cf6dc1482a7d826a
Mike
I'm looking under "Status Tracker" and I see the word "Complete" next to the transaction. I also see the transaction as not pending within the Activity and Orders section of the website.
ME:
https://preview.redd.it/ar9bwn64oryg1.png?width=48&format=png&auto=webp&s=6ab28450a413f54967a76396c69e676ac3c802cf
Mike
I'm looking under "Status Tracker" and I see the word "Complete" next to the transaction. I also see the transaction as not pending within the Activity and Orders section of the website.
ME:   Details Federal Reference ID Pending Submission DateMay-01-2026 2:06 p.m. ET Amount$17,500.00From Fidelity \*\*\*\*\*XXXX To JPMORGAN CHASE BANK, NA
This is what I'm talking about:
Federal Reference ID Pending
I need that ID number
This needs to be escalated NOW!
All day long yesterday I was told it would be there and it's NOT!
https://preview.redd.it/bdaf1p64oryg1.png?width=48&format=png&auto=webp&s=8b6de213fdafeaaf3ef808d9b62dfe4369774492
Mike
I will get in touch with a Supervisor.
https://preview.redd.it/tmo3hn64oryg1.png?width=48&format=png&auto=webp&s=97ecc192a5c6afc0f116ccf7f343434045ce33b9
Mike
I will get in touch with a Supervisor.
ME: good
Party ('Mike') has left the session
**You're now connected**
New party ('Marissa') has joined the session
Party ('Mike') has left the session
**You're now connected**
New party ('Marissa') has joined the session
Your live chat session has now ended.
If you'd like to chat with another representative, type "rep". Otherwise, welcome back to using the Virtual Assistant. How can I help?
ME: **I was logged off**
You can easily log out of your account by clicking Log Out in the green Fidelity menu at the top of the page.
**What is going on regarding this wire.**
What would you like to do?
Buttons below are suggested questions:
* Send a wire from Fidelity 
* Send a wire to Fidelity 
* Manage linked banks for wires 
* International wires
* Learn more about wires 
* I'm having trouble linking my bank
ME:  **SUPERVISOR**
Here are some recent news articles that may be related to what you asked about:
Reuters - a month ago
[BRIEF-Starbucks - Baristas And Shift Supervisors Can Earn Up To $1,200 Per Year In BonusesOpens in a new window](https://www.fidelity.com/news/article/default/202604020934RTRSNEWSCOMBINED_TUA7DHHLF_1)
Reuters - 17 days ago
[ECB to warn bankers about new Anthropic model risks, source saysOpens in a new window](https://www.fidelity.com/news/article/default/202604151119RTRSNEWSCOMBINED_L1N40Y0N0_1)
Business Wire - 19 days ago
[Voxel Launches Risk Insights: AI-Powered Daily Safety Snapshots That Drive Immediate ActionOpens in a new window](https://www.fidelity.com/news/article/default/202604130900BIZWIRE_USPR_____20260413_BW081149)
PR Newswire - 8 days ago
[Diablo Canyon 2045 Coalition Launches to Protect California's Renewable Energy Transition & Lower Costs for CustomersOpens in a new window](https://www.fidelity.com/news/article/default/202604231345PR_NEWS_USPR_____SF42390)
Reuters - 18 days ago
[ECB seeks bigger say on banks' capital requirementsOpens in a new window](https://www.fidelity.com/news/article/default/202604140500RTRSNEWSCOMBINED_L1N40X0AN_1)
View All Results
Here are a few related questions. If none of these fit, try adding more details for better results.
**What should I do if I need to escalate an issue to a supervisor?**
If you need to escalate an issue to a supervisor, you can start by contacting Fidelity Customer Service. Here are your options:
* **Chat live with our team**: Available Monday through Friday from 8 a.m. to 10 p.m. ET, and Saturday and Sunday from 9 a.m. to 4 p.m. ET.
* **Call us**: Available 24/7 at [800-343-3548](tel:800-343-3548).
For more information, visit the [Contact us](https://www.fidelity.com/customer-service/contact-us?ccsource=phpdefault&ccsource=FA) page.
Not what you're looking for? Explore more
**No, this response was not helpful**
Thanks for the feedback. What was the main issue?
**Unhelpful next steps**
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Here are some related resources for you to review
[**Investing beyond the basics toolkit**](https://www.fidelity.com/learning-center/women-talk-money/next-steps-investing)
Explore articles, resources, account options, and more to help you evaluate where you're at and take your next step.
Article
[**5 steps to consider after a layoff**](https://www.fidelity.com/learning-center/personal-finance/what-to-do-after-layoff)
Focus on your next move while taking care of your finances.
Article
[**6 steps to your first (or next) million-dollar milestone**](https://www.fidelity.com/learning-center/personal-finance/6-steps-to-becoming-a-millionaire)
Proactive planning, informed choices, and consistent habits can make a difference.
Video
[**3 steps to take before and after losing a loved one**](https://www.fidelity.com/learning-center/women-talk-money/steps-before-and-after-loss)
How to prepare before, navigate after, and avoid common missteps.
Article
[**5 steps to develop an options trading plan**](https://www.fidelity.com/learning-center/tools-demos/trading-tools/options-trading-roadmap)
Use this roadmap to help build your knowledge, discover powerful tools and clearly know your next action.
Article
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ME: **HISTORY: The wire I requested yesterday morning has not been received by the recipient. Why?You can track common requests like account transfers, EFTs, bank setup, margin, or options applications using the Status Tracker.If you're trying to find out how**
You can track common requests like account transfers, EFTs, bank setup, margin, or options applications using the [Status Tracker](https://digital.fidelity.com/ftgw/digital/activity-status-tracker?ccsource=FA).

If you're trying to find out how long a request might take, start by choosing a direction:
Buttons below are suggested questions:
* Into Fidelity
* Out of Fidelity
ME: **HUMAN NOW**
You can track common requests like account transfers, EFTs, bank setup, margin, or options applications using the [Status Tracker](https://digital.fidelity.com/ftgw/digital/activity-status-tracker?ccsource=FA).

If you're trying to find out how long a request might take, start by choosing a direction:
Buttons below are suggested questions:
* Into Fidelity
* Out of Fidelity
**The wire I requested yesterday morning has not been received by the recipient. Why?You can track common requests like account transfers, EFTs, bank setup, margin, or options applications using the Status Tracker.If you're trying to find out how long a r**
You can track common requests like account transfers, EFTs, bank setup, margin, or options applications using the [Status Tracker](https://digital.fidelity.com/ftgw/digital/activity-status-tracker?ccsource=FA).

If you're trying to find out how long a request might take, start by choosing a direction:
Buttons below are suggested questions:
* Into Fidelity
* Out of Fidelity
ME: **LIVE CHAT**
Customer support is available around the clock, 365 days of the year. There are two ways to connect.

**Chat live online**
For general questions about Fidelity accounts, products or services, associates are available during the following hours:

Mon - Fri: 8 a.m. - 10 p.m. ET
Sat - Sun: 9 a.m. - 4 p.m. ET

Questions about Fidelity Crypto®, Fidelity term life insurance and annuities, or you need Tech Support? Check out 'Alternate live chat hours' to see when these associates are online to assist you.

**Connect by phone**
Phone associates provide support all day, every day—year round.

How can we offer you support today? Choose from the following options:
**I want to chat live online**
Okay, you want online support. To get started, choose the topic that best matches your issue or concern.
**Fidelity account – trading, moving funds, tax forms, etc.**
Please provide more details about your question or concern. It'll help us get you to the right customer support associate.

We'll also share these details with the representative who'll assist you today.
ME: **The wire I requested yesterday morning has not been received by the recipient. Why?You can track common requests like account transfers, EFTs, bank setup, margin, or options applications using the Status Tracker. If you're trying to find out how long a r**
Please wait a minute while I connect you with a live chat representative. There may be a brief delay before the chat appears.
Session has been authenticated
Thank you for contacting Fidelity Investments. All interactions are subject to recordkeeping and monitoring. Brokerage chat representatives are registered with Fidelity Brokerage Services LLC and are able to accept only trading requests to buy, sell, or exchange mutual funds in retail self-managed accounts. They are unable to accept trading requests to buy, sell, or exchange any other securities or digital assets, or to process any transactions in your retirement savings or benefit plan, nor do they provide legal, tax, or investment advice. Brokerage services are provided by Fidelity Brokerage Services LLC, a member of NYSE and SIPC. 866914.12.0
**You're now connected**
New party ('Jordan') has joined the session
https://preview.redd.it/p0v0un64oryg1.png?width=48&format=png&auto=webp&s=0ac69e85ae4c3788c46fdb70fb2a073ffa6f7053
Jordan
Hello! My name is Jordan, with your Premium Services Team. I hope you are well. It looks like you are inquiring about a wire transfer today. Is there anything else you would like to accomplish?
ME: ARE YOU A SUPERVISOR???
https://preview.redd.it/9hzzwp64oryg1.png?width=48&format=png&auto=webp&s=4f78833d89850f704e6f4838830c12cafe27a803
Jordan
I'm a member of the Premium Services team, I'm happy to help. Which account did the wire get requested from?
ME: I'M NOT STARTING OVER LOOK UP THE PREVIOUS CHAT WITH "MIKE" NOW!
ME: THIS IS NOT PREMIUM SERVICE TO SAY THE LEAST!
https://preview.redd.it/ud38in64oryg1.png?width=48&format=png&auto=webp&s=bcc42d1cb7022bc691492206b553271477d345a8
Jordan
I do not have the ability to see any previous chats. I'm happy to help if you're willing to tell me more information.
ME: I'M NOT
https://preview.redd.it/xrfj0f74oryg1.png?width=48&format=png&auto=webp&s=6740240196c18aa6a7c4a7ce5f03746ca5f493f9
Jordan
In which case I'm sorry that I could not be helpful. Thank you for choosing Fidelity Investments and have a great rest of your day.
ME: I'LL COPY IT
ME:  DON'T YOU DARE DISCONNECT
ME: GET A SUPERVISOR NOW!
ME: The wire I requested yesterday morning has not been received by the recipient. Why?You can track common requests like account transfers, EFTs, bank setup, margin, or options applications using the Status Tracker.If you're trying to find out how long a request might take, start by choosing a direction:Out of FidelityBank wires requested by 4pm ET will arrive in your bank account same day. Wires requested after 4pm ET will arrive in your bank account the next business day. If your withdrawal has not arrived after that time, please contact us.No, this response was not helpfulThanks for the feedback. What was the main issue?Unhelpful next stepsThank you for sharing that. You can connect with a representative if you need more support.Chat with a representativeCustomer support is available around the clock, 365 days of the year. There are two ways to connect.Chat live onlineFor general questions about Fidelity accounts, products or services, associates are available during the following hours:Mon - Fri: 8 a.m. - 10 p.m. ETSat - Sun: 9 a.m. - 4 p.m. ETQuestions about Fidelity Crypto®, Fidelity term life insurance and annuities, or you need Tech Support? Check out 'Alternate live chat hours' to see when these associates are online to assist you.Connect by phonePhone associates provide support all day, every day—year round.How can we offer you support today? Choose from the following options:I want to chat live onlineOkay, you want online support. To get started, choose the topic that best matches your issue or concern.Fidelity account – trading, moving funds, tax forms, etc.Please provide more details about your question or concern. It'll help us get you to the right customer support associate.We'll also share these details with the representative who'll assist you today.The wire I requested yesterday morning has not been received by the recipient. Why?Please wait a minute while I connect you with a live chat representative. There may
ME: WHAT A PIECE OF XXXX PROCESS
https://preview.redd.it/t2mz6n64oryg1.png?width=48&format=png&auto=webp&s=c7dc19dc8998757053761a30b99511d9b9b22577
Jordan
I'm bringing on my supervisor, his name is Matt. One moment please.
ME: I BETTER NOT BE DISCONNECTED AGAIN!
Party ('Jordan') has left the session
**You're now connected**
New party ('Matthew') has joined the session
https://preview.redd.it/29o4iq64oryg1.png?width=48&format=png&auto=webp&s=7ba9ed0635ac424e913cc480ae83a35e3d59e065
Matthew
Good afternoon, my name is Matt and I'm a supervisor here at Fidelity. Give me one moment to read the previous messages and I'll be happy to help today.
OK
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Matthew
Ok thank you for your patience, I'm happy to take a look at this wire transfer. This is the wire from your Individual account ending XXXX for $17,500, correct?
ME: YES
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Matthew
Have you confirmed the information for the wire is correct? From what I'm seeing the wire was entered at 2:02pm EST and processed at 3pm EST same day.
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Matthew
Excuse me, 2:06pm EST was the entry time
ME: It is correct. I have checked it to the printout of instructions directly from the JPMC website the recipient provided me when I entered the wire online yesterday morning.
between 11 and noon Central Time
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Matthew
If that's the case, any delay on receipt would be on the banks side. Its already been sent from Fidelity.
ME: JPMC needs the IMAD/OMAD number that confirms the wire was entered into the Fedwire system.
ME: Fidelity has that number immediately if it was sent.
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Matthew
I don't have access to that information with the systems that I use, but we do have a back office group that can track bank wires through the systems and they'd be able to pull that. Unfortunately, they only work Monday through Friday 8:30am EST to 8pm EST so you would have to give us a call on Monday.
ME:  That is unacceptable.
ME:  I was lied to all day yesterday by Fidelity reps.
ME:  Due to this I'm currently homeless in MExico
ME:  This must be resolved this weekend and the wire queued to be sent first thing Monday.
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Matthew
I'm sorry to hear that. I'm not sure what was said but according to what I'm seeing and our policy, any wire entered before 4:00pm EST goes out same day, which is the case here. If it needs to be sent out again, the wire would be rejected back to your Fidelity account first, but that's only assuming the information is incorrect. If by Monday they still don't have it, like I said our Service Solutions Group would be able to get the wire information you've requested and help JMPC track down the wire.
ME:  Sure you are. Someone needs to call me at 8:30 am on Monday with the information. I'M NOT STARTING OVER ON MONDAY!
ME:  Surely this is something "PREMIUM" customer service can make happen
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Matthew
Unfortunately because as of right now, there is no issue on Fidelity's end, I can't guarantee a call back. Like I said, according to our systems, the wire was sent without issue. If there are still issues on the receiving side remaining on Monday, it would be on you to follow up. If the wire does end up getting rejected back to your account, that would trigger a communication to you prompting you to give us a call for resolution, but until then there would be nothing for us to follow up on.
ME:  SERIOUSLY?
ME:  Since you can't "guarantee" a call back, WHAT CAN YOU DO to get me one?
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Matthew
There has to be a reason for the call back, and as of right now, there is no reason. The wire was sent and you've confirmed the information to be correct, so there isn't anything further we can do here. If you do need that IMAD/OMAD number, our Service Solutions Group can provide that on Monday, but you would have to call in for that.
ME:  you are worthless
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Matthew
That kind of language isn't appreciated. Is there anything else I can assist you with today, Michael?
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Matthew
Are you still there?
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Matthew
Alright, thank you for choosing Fidelity Investments and I wish you the best! Have a wonderful rest of your day and a great weekend.
Your live chat session has now ended.
If you wouldn't want to be treated this way by your primary FI, THINK TWICE before choosing Fidelity.

I hoped it's a bug but it's not. Check ET Money, it's showing 3.1%.

I’m living this life right now and love it. A few more decent stocks to consider are VZ, PFE and UPS. All yield 6% plus and are dualities dividends. I also own O, ET and OMF and they are all great picks! If you have to avoid K1 since it’s a retirement account buy Enbridge

Bill pay is fast. It can clear as early as next day. I’ve done bill payments from BMO at like 4PM ET and it was available in IBKR before the market opened next morning. Always use bill payments for deposits to IBKR because it also reduces the hold period for withdrawing the money as well

They have until 530pm ET to exercise.