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

Hey there, u/panchambit00. It's great to hear that you're looking to max out your Roth IRA contributions. Let's review your wire transfer together.
While we can't speak for Bank of America's specific process, bank wires sent at Fidelity before 4 p.m. ET on a business day are typically available the same day, while ones sent after 4 p.m. are typically available the next day. Wire transfers must be sent with the instructions linked below; otherwise, they may be rejected.
[Bank wire transfers to and from Fidelity](https://www.fidelity.com/customer-service/bank-wire-instructions)
When it comes to making the 2025 prior year contribution (PYC) to your Roth IRA via a wire transfer, you'll want to ensure it is submitted before 4:00 p.m. ET on April 15, 2026.
We'll be around tomorrow if you need additional help with this; just give us a shout. Have a great night!

Hello, I opened a Roth IRA account late last week after finding out it would be a good idea to open one and fund it. I waited until today Apr 14 to go into Bank of America to transfer from my checking to my Roth to max out the 2025 contribution.
It was after 5 pm ET (thought it was local time). I'm worried it might either not process on time, or worse, get rejected because I was not able to put "FBO" in the instructions text box Bank of America provides due to its 25 character limit (my first and last name are 15 characters).
I forwent putting "FBO" to instead specify the contribution code "PYC" (prior year contribution). So all in all, I only put "firstname lastname PYC RothAcct#".
Though I went in-person, I had to do it via the app and one of the bank representatives helped me the best they could at the front counter (they had nobody available without an appointment).
Am I overreacting? I made an appointment with a BoA rep at 11 am tomorrow April 15 in the case the wire is rejected. Has anyone had a similar experience?
Thank you.

Does anyone know how Schwab PAL calculates interest? For example, I make a draw today at 10am and repay it the next day at 9am, does it count as 1 day of interest or 2 days of interest? For repayment is there a cut off time each day so interest does not accrue for that day?
I know for Schwab margin accounts the cut off is 4pm ET, I believe. Thanks!

Hello, u/tyen0. Thanks for sharing your experience on the sub today.
While we don't have widespread reports of this, we do have some additional troubleshooting steps to try. If you're logged into Fidelity.com, check Full View after each step and see if you're seeing updated information:
- Clear your cache and cookies
- Use a different browser
- Try a different network connection
If this does not resolve your issue, please reach out to our Technical Support team via the phone through the link below, available Monday through Friday from 8:30 a.m. to 9:00 p.m. ET. Just say "Technical Support" to be routed appropriately.
[Contact Us](https://www.fidelity.com/customer-service/contact-us)
As always, the Mod team is a comment away. Take care.

United States Central Command said it will begin enforcing a maritime blockade on all vessels entering and exiting Hungarian ports on April 17 at 10 a.m. ET under a presidential proclamation, applying to ships of all flags. It added transit through the Strait of Hungary to non-Hungarian ports will not be impeded.

Hello, u/picardythird. I understand how frustrating it is not to be able to adjust a trade on your preferred platform.
While we do not have widespread reports of this experience, I have some troubleshooting steps for you.
- Check to see if your app is fully updated
- Restart your device
- Delete and reinstall the app
If you do these steps, and you run into this again, please reach out to our Technical Support team over the phone, available Monday through Friday, 8:30 a.m. to 9:00 p.m. ET. Just say "Technical Support" when prompted to be routed appropriately.
[Contact Us](https://www.fidelity.com/customer-service/contact-us)
If you run into anything else in the future, please let us know.

midstream LPs, like ET, PAA, or EPD. or AMLP if you hate taxes (more than an ordinary person that is)

Thanks for sharing; all kinds of great options, it seems!
I’ll be looking to rotate into energy once my dividends start coming from what I’ve recently bought ($RITM & their preferred shares). $ET looks interesting too, a little higher yield & I won’t be mad if it keeps dipping…

MPLX and ET. Holding them for more than 2 years already and can't be more than happy with the dividend payouts.

Hey there, u/Garyl53. We appreciate you stopping by the sub today.
We haven't been able to recreate the issue that OP described above. Since you've already tried troubleshooting to no avail, we encourage you to contact our Technical Support team so that they can investigate further. Associates are available Monday through Friday from 8:30 a.m. to 9:00 p.m. ET. Please say "technical support" when prompted by the automated system to be connected to the right group.
[Contact Us](https://www.fidelity.com/customer-service/contact-us)
Please don't hesitate to follow up with us if you have any other questions or concerns. We're always here to help.

Thanks for checking in with us about your experience, u/oilosservatore, as I understand this can be frustrating while trying to manage your investments.
We aren't currently receiving widespread reports of issues on Fidelity.com, and I wasn't able to replicate the error you've received while trying to place trades or view account information. If you have yet to attempt these troubleshooting steps, you might try the following:
1. Clear your cache and cookies
2. Visit our website through an alternate browser
3. Try our mobile app or a mobile browser
If the problem persists, we recommend reaching out to our Technical Support team so they can troubleshoot the issue with you. Associates are available Monday through Friday from 8:30 a.m. to 9:00 p.m. ET. Please say "technical support" when prompted by the automated system to be connected to the right group.
[Contact Us](https://www.fidelity.com/customer-service/contact-us)
If we can help with anything else that comes up, please don't hesitate to reach out.

Hi there! Generally, clients can make a 2025 prior year contribution (PYC) by electronic funds transfer (EFT) until 11:59 p.m. ET on April 15, 2026, using existing instructions.
Also, if funds are pulled directly from a linked bank account into the IRA, you can choose the desired contribution year. The collection time of the deposit will not impact the contribution year. You can use the link below to initiate a contribution.
[Contribute to your IRA](https://www.fidelity.com/retirement-ira/contributing-to-ira)
If you'd feel more comfortable speaking with an associate while making a contribution, representatives are available 24/7 to assist. I've linked our contact us page below.
[Contact Us](https://www.fidelity.com/customer-service/contact-us)
If there is anything we can clarify or if additional questions pop up, please don't hesitate to ask! We're always happy to help.

Hey there, u/NerdTea! I'd be happy to help out and discuss some next steps.
It sounds like you are referring to the micro-deposits needed to link your bank to Fidelity. You will generally see these micro-deposits in your bank account within three business days. You should receive an email with a "Verify deposits" link, in which you will follow the steps listed below once logged into Fidelity.com.
1. Select "Accounts & Trade," and click "Transfers"
2. Select "Manage my linked accounts"
3. Select the bank information screen, and click "Verify deposits" and follow through with the prompts
If the three-day timeframe is past the tax deadline, there are some alternative ways to fund the IRA as a prior year contribution.
First, you can send a bank wire directly from your bank to Fidelity. Bank wires are received on the same day that they are initiated, as long as the transaction is entered before 4 p.m. ET. Keep in mind that while Fidelity doesn't charge a bank wire fee, other banks might. You can access the info you need to start a bank wire using the following link. Please note that the code "PYC" is required for a prior-year IRA contribution.
[Information Needed to Wire to Your Fidelity Account](https://www.fidelity.com/cash-management/information-needed-wire-to-fidelity-account)
Additionally, you can bring a check to one of our investor centers, and they will take contributions until 5:00 p.m. local time on April 15th
We understand that nearing the tax deadline can be stressful, so let us know if we can help out with anything else!

Good to see you around the sub today, u/FerrousTheDerg. We appreciate you taking the time to reach out to us about this.
Currently, we aren't receiving widespread reports of connection issues with Capital One and Fidelity Full View. With that said, you're on the right track with the troubleshooting steps you've already taken. Beyond attempting to remove and reconnect your external account, I recommend trying to do so in a different web browser or on an alternative device. You can also clear your browser's cache and cookies, and then reattempt.
If you continue to experience this, we encourage you to contact our Technical Support team so that they can investigate further. Associates are available Monday through Friday from 8:30 a.m. to 9:00 p.m. ET. Please say "technical support" when prompted by the automated system to be connected to the right group.
[Contact Us](https://www.fidelity.com/customer-service/contact-us)
Please feel free to follow up with us if you have any other questions or concerns. We're always here to help.

I organized an AMA/Q&A with Ben McKenzie, actor/author/filmmaker. You might recognize him from **The OC**, **Gotham**, **Junebug**, **Southland**, **Batman: Year One**, and other stuff. His directorial debut, **Everyone Is Lying To You For Money** has played at tons of festivals this year and is out in select theaters this Friday. It's an anti-crypto documentary, really funny and well-made.
It's live here now in /r/movies for anyone interested in asking a question:
https://www.reddit.com/r/movies/comments/1sl747q/hi_reddit_im_authoractor_ben_mckenzie_you_may/
He'll be back at 3 PM ET today to answer questions. I recommend asking in advance. Please ask there, not here. All questions are much appreciated!
Thank you :)

United States Central Command said it will begin enforcing a maritime blockade on all vessels entering and exiting Hungarian ports on April 13 at 10 a.m. ET under a presidential proclamation, applying to ships of all flags. It added transit through the Strait of Hungary to non-Hungarian ports will not be impeded.

For a research analyst role, here's a practical breakdown:
\*\*For financial news:\*\*
\- \*\*Mint\*\* tends to be better for markets-focused content vs Moneycontrol which is more retail/noise
\- \*\*ET Markets\*\* subscription — good if you need detailed company coverage and analyst reports
\- \*\*Bloomberg Quint (now BQ Prime)\*\* — worth it for macro and institutional-quality analysis
\*\*Free sources worth bookmarking:\*\*
\- BSE/NSE exchange filings directly — DRHP, quarterly results, corporate announcements (free, primary source)
\- SEBI website for regulatory updates
\- RBI publications for macro data
\- [Screener.in](http://Screener.in) (free tier is surprisingly capable for fundamentals)
\*\*For actual market data & analysis:\*\*
\- Refinitiv/Bloomberg if your firm pays — industry standard
\- For NSE/BSE specific tools, been building [trademine.ai](http://trademine.ai) specifically for Indian market analysis
For research analysts, honestly the primary sources (exchange filings, RBI/SEBI data) matter more than news subscriptions. What kind of analysis do you focus on — equity, macro, or sector-specific?

2.30 PM ET presentation also at the WTR conference. Might add some fuel to it

Just use robinhoodhood’s stimulate my returns feature.
SPY $700 CC 5/15DTE is worth $6.56 at SPY $687.24(as of 4am eastern time). Now go to VOO, find same DTE, the closest is VOO $640 going for $6.63(as of 4am ET). SPY has significantly larger volume. 

Use AI. Invest your money in that. I have an ET market subscription rarely using it. Most of the time I use Gemini or ChatGPT for analysis.