Search found 128 matches

by MisterBill
Wed Mar 22, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Using the Fidelity Rewards Visa in Europe?
Replies: 20
Views: 1589

Re: Using the Fidelity Rewards Visa in Europe?

student wrote:Capital One has a 1.5% cashback card with no foreign transaction fee.

Bank of America's Travel Rewards card is the same. And the rebate jumps to as high as 2.625% if you're a Preferred Rewards customer.
by MisterBill
Mon Mar 20, 2017 1:34 am
Forum: Personal Finance (Not Investing)
Topic: Using the Fidelity Rewards Visa in Europe?
Replies: 20
Views: 1589

Re: Using the Fidelity Rewards Visa in Europe?

For getting cash at bank ATMs, I did have to enter the card's PIN, so make sure you have that memorized. I always like to have plenty of cash in Europe since many restaurants won't take cards. Had quite a scare once at a business dinner in Paris once when I figured out that the French at the bottom...
by MisterBill
Sun Mar 19, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Using the Fidelity Rewards Visa in Europe?
Replies: 20
Views: 1589

Re: Using the Fidelity Rewards Visa in Europe?

For getting cash at bank ATMs, I did have to enter the card's PIN, so make sure you have that memorized. I always like to have plenty of cash in Europe since many restaurants won't take cards. Had quite a scare once at a business dinner in Paris once when I figured out that the French at the bottom...
by MisterBill
Sat Mar 18, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 16745

Re: Sallie Mae Rewards MC being discontinued

Just checked my account. Apparently I managed to have outstanding rewards totalling $1. Did everyone else actually receive the new card? I did not. Sent them an online message that I did not want to activate a card just to be able to close the account. I got a text message a few days away saying I ...
by MisterBill
Mon Mar 13, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 233
Views: 37847

Re: Bank of America/Merrill Edge - Preferred Rewards

Have you actually used BoA chat recently, and do you recall when? I've seen no trace of it for months, at any time of day (though I've only tried occasionally), so they really seem to have removed chat totally. I used it once a few months ago. I just went to look for it and did not find it, but did...
by MisterBill
Mon Mar 13, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 233
Views: 37847

Re: Bank of America/Merrill Edge - Preferred Rewards

I haven't seen chat on BoA for several months, and I don't see a secure message option, or even email. I guess phone is an option, but it's difficult when I have to put spouse on phone. Chat is available but not after midnight eastern time, as I recall. No email, which is a real pain. I also hate h...
by MisterBill
Mon Mar 13, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 233
Views: 37847

Re: Bank of America/Merrill Edge - Preferred Rewards

IIRC Platinum Honors boosts BoA cards by 75% So Cash Rewards = 5.25% gas, 3.5 groceries/warehouse stores, 1.75% everywhere else. Travel Rewards = 2.625% everywhere. Yes, but she was saying it added 0.75% to the initial 1% on Cash Rewards, so gas was 3.75% and groceries were 2.75%. Obviously this wa...
by MisterBill
Sun Mar 12, 2017 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 233
Views: 37847

Re: Bank of America/Merrill Edge - Preferred Rewards

Amusing story. I was just visiting friends who I knew had the Preferred Rewards account and who I thought had told me that they were getting a 2.625% rebate. But it turns out they only have the Cash Rewards card. I mentioned "Oh, so you're getting 5.25% on gas and 3.50% on groceries". The ...
by MisterBill
Sun Mar 12, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 16745

Re: Sallie Mae Rewards MC being discontinued

So it seems like purchases made on 2/28 that didn't post until 3/1 (but with a 2/28 transaction date) only got the new rewards. Probably not worth my contacting them about a few cent issue, but for anyone who made a large last minute purchase, you probably want to check your account. I just redeemed...
by MisterBill
Wed Mar 01, 2017 12:38 am
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 63
Views: 4833

Re: Fidelity drops equity trade fee to $4.95

They also have an offer for 300/500 free trades if you open a NEW account or transfer into an EXISTING account of $50,000 or $100,000. The free trades are good for two years. FYI Except the value of those free trades just went down and there are other options (FF miles, cash, Apple gift card) for t...
by MisterBill
Tue Feb 28, 2017 1:55 am
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 63
Views: 4833

Fidelity drops equity trade fee to $4.95

I went into the Fidelity app this evening and was greeted by an alert telling me that they had lowered the equity trade fee to $4.95. Details in USA Today here: http://www.usatoday.com/story/money/markets/2017/02/28/fidelity-cut-online-trading-costs/98502160/ I checked the Fidelity site https://www....
by MisterBill
Tue Feb 28, 2017 1:47 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 327
Views: 36606

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

*3!4!/5! wrote:So reimbursed account closing fees are taxable?


Apparently, since it showed up on my 1099-MSIC as well. However, the fee itself could be tax deductible with other investment expenses.
by MisterBill
Sun Feb 19, 2017 3:15 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 327
Views: 36606

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

tj wrote:Nope. My experience is that it much more often than not reported as a 1099-Misc and that Scottrade is the exception.

Capital One also reports on 1099-MISC.
by MisterBill
Sat Feb 18, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax only reading 1st page of 1099-INT
Replies: 14
Views: 1180

Re: Turbo Tax only reading 1st page of 1099-INT

Ally's 1099-INT shows interest by account and each account has its own 1099-INT and the layout only allows two 1099-INT's per page. As a result, the third account's 1099-INT is pushed to the next page. However, instead of showing such 1099-INT info on page two, Ally populates page two with 1099-INT...
by MisterBill
Sat Feb 18, 2017 2:56 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 327
Views: 36606

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

It could have been reported as interest. Bank bonuses usually are. I had to lie to Turbotax to keep it from sending me down the small business line of questioning. It was on the 1099-MISC section of the PDF document that I downloaded from the Fidelity account. It was not included in any section of ...
by MisterBill
Sat Feb 18, 2017 12:54 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 327
Views: 36606

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

BTW for anyone who got a bonus from Fidelity last year, the 1099-MISC is not being included in the data downloaded/imported into Turbotax. Not sure if it's a bug or intentional and haven't figured out who to talk to at Fidelity about it. I'll need to add it manually. They are required to if it's $6...
by MisterBill
Sat Feb 18, 2017 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 233
Views: 37847

Re: Bank of America/Merrill Edge - Preferred Rewards

For anyone who cares about such things, I received replacement Cash Rewards cards this week (could not find the old ones and wanted to start using them now since the rebate is better) and they say "Preferred" on them.
by MisterBill
Sat Feb 18, 2017 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax only reading 1st page of 1099-INT
Replies: 14
Views: 1180

Re: Turbo Tax only reading 1st page of 1099-INT

MisterBill - I have a savings account and 3 CDs. The first two pages had info for each separately; the third page was the combined total and the one I entered manually. It is just the way Ally does it; my credit union 1099-INT just reported the combined total. Your post here is still confusing. You...
by MisterBill
Fri Feb 17, 2017 11:38 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 327
Views: 36606

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

TDA sent me a 1099-misc and reported my $500 bonus as "other income." This information may be useful to someone. I think that's pretty typical, isn't it? BTW for anyone who got a bonus from Fidelity last year, the 1099-MISC is not being included in the data downloaded/imported into Turbot...
by MisterBill
Fri Feb 17, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Large capital gain in 2017 from estate, set money aside in CD now?
Replies: 9
Views: 737

Re: Large capital gain in 2017 from estate, set money aside in CD now?

The estate is going to pass thru the capital gains on the sale to the beneficiaries, but the estate tax year is not a calendar year, so I will not have to report it until my 2017 taxes.? Aren't you getting the stepped up basis of the property? How much did it increase in value since she passed? You...
by MisterBill
Fri Feb 17, 2017 2:43 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 327
Views: 36606

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

So, I always wondered whether the Fidelity "one per year" policy on bonuses was based on when you added the offer to your account, when you met the conditions, or when you were paid the bonus. I found out today, it's the latter. I spoke to my private client rep about possibly adding some m...
by MisterBill
Fri Feb 17, 2017 2:37 am
Forum: Personal Finance (Not Investing)
Topic: Large capital gain in 2017 from estate, set money aside in CD now?
Replies: 9
Views: 737

Large capital gain in 2017 from estate, set money aside in CD now?

My wife's mother passed away a few years ago. She owned 50% of a NYC brownstone which was finally sold last year, at which point we received an $800k distribution for our share (we've gotten other distributions previously). The estate is going to pass thru the capital gains on the sale to the benefi...
by MisterBill
Fri Feb 17, 2017 2:32 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax only reading 1st page of 1099-INT
Replies: 14
Views: 1180

Re: Turbo Tax only reading 1st page of 1099-INT

Have the downloaded version of Turbo Tax Premier. Tried to import my 1099-INT from Ally Bank which is 3 pages and it only read the first page. I had to amend the data. Just a warning. What is it missing? Are you saying that the total doesn't match what's on the paper form? I have a problem with my ...
by MisterBill
Wed Feb 15, 2017 3:16 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 327
Views: 36606

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Thought I would update my experience with transferring my ShareBuilder IRA to Fidelity. SB says they received the transfer request form on Feb. 3 (I submitted it a few days earlier at my local Fido branch). I got a secure message today (2/13/17) that they 'approved' the transfer and would first tra...
by MisterBill
Wed Feb 15, 2017 3:12 am
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 16745

Re: Sallie Mae Rewards MC being discontinued

segfault wrote:SallieMae discontinued? Good riddance. I had a bad experience with their autopay function and cancelled the card years ago.

Are you sure it's the same card? Not that it's relevant to this discussion.
by MisterBill
Wed Feb 15, 2017 3:10 am
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 16745

Re: Sallie Mae Rewards MC being discontinued

As for not migrating over to the new card, the rep said I should call after 3/1 to request "product upgrade" on the account. He said that based on the account history, etc. it could be possible to get an upgrade. Anyone have experience with this or similar (with other cards)? Sounds like ...
by MisterBill
Sun Feb 12, 2017 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 16745

Re: Sallie Mae Rewards MC being discontinued

IMO it is worth a call to product change to the Barclay Rewards card. Barclay is offering $100 for $1000 of spend. That's a nice (and unusual) deal offering the $100 bonus on a card conversion. I think I'll wait until 3/1 since I still like getting the 5% for groceries and don't have a replacement....
by MisterBill
Thu Feb 09, 2017 2:05 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 327
Views: 36606

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

So this page says offer expired 12/31/16, but it's still active. https://www.merrilledge.com/offers/1000offer Anyone try it this year? If you'd tried clicking on the button to open an account rather than asking here, you would have noticed that it immediately told you that code LVEXPO16 had expired.
by MisterBill
Thu Feb 09, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 233
Views: 37847

Re: Bank of America/Merrill Edge - Preferred Rewards

I'm guessing that it's based on the previous three calendar months, but the update appears on about the 5th or 6th of the month (for everyone), regardless of checking account statement date. Based on my experience this month, I think that it is based on your Merrill Edge statement closing. When I s...
by MisterBill
Mon Feb 06, 2017 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 233
Views: 37847

Re: Bank of America/Merrill Edge - Preferred Rewards

They update the calculation once a month. You might have to wait for the next monthly update. Also earlier I said https://www.bogleheads.org/forum/viewtopic.php?p=3172906#p3172906 Datapoints: We got Preferred status about two days after opening checking accounts, and it was about 1.5 months after o...
by MisterBill
Sun Feb 05, 2017 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 233
Views: 37847

Re: Bank of America/Merrill Edge - Preferred Rewards

So I finally became eligible to sign up for Preferred Rewards yesterday. I had checked on Friday and was not, and even called their "customer service" where a rep who clearly did not know much told me that I would have to wait until I had my Merrill Edge account open for 3 months, even tho...
by MisterBill
Sat Feb 04, 2017 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 132
Views: 18729

Re: Fidelity free Turbotax

Started using the free Premium TT via the Fidelity link. All fine until entering the 1099-MISC for <$1000, then attempting to enter expenses of less than $100 for this minimal self-employment gig. TT then said (in effect), "Oh, you have expenses? You'll need to buy this $49.95 add-on for enter...
by MisterBill
Fri Feb 03, 2017 8:58 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 327
Views: 36606

Re: Merrill Edge new funds requirement

Cap1 Requires Medallion signature guarantee Does not do ACATS Get message saying they received my request BUT: will take up 10 business days (i.e. 2 weeks) to look it over and approve it. After that the say may take up to 30 days to do xfer. Charges $75 for complete xfer life is too short for chick...
by MisterBill
Tue Jan 31, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 132
Views: 18729

Re: Fidelity free Turbotax

So, for those who are actually Fidelity customers, tax forms are now available for downloading in Turbotax. The 1099R forms have been available for a few weeks from Fido; 1099 Consolidated (INT,DIV,B) are, scheduled for later in February The paper version of my 1099's was available on their website...
by MisterBill
Tue Jan 31, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 132
Views: 18729

Re: Fidelity free Turbotax

So, for those who are actually Fidelity customers, their tax forms are now available for importing in Turbotax. However, while the 1099-DIV and 1099-INT were there, the 1099-MISC for my sign-up bonus was not (it's part of my consolidated form on their website). I'm not sure if it's not going to be, ...
by MisterBill
Tue Jan 31, 2017 3:08 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 327
Views: 36606

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

One transfer I did a few months ago still appears in the "Service Requests" tab as "Cancelled" but it went through fine. Two other more recent transfers initially did, but no longer, appear in the "Service Requests" tab. So it could just be shoddy coding that once a &q...
by MisterBill
Wed Jan 25, 2017 12:25 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 327
Views: 36606

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Has anybody tried to "double-up" on different bonuses from Fidelity? For most of their bonuses they have a rule that you can only do it once every 12 months. Does that mean for that particular bonus only or for all of them? For example, could one could transfer $50K and get 300 free trade...
by MisterBill
Fri Jan 20, 2017 1:56 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 327
Views: 36606

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

It was mentioned in the start of the thread, but worth reiterating as it grows in length. Definitely something to check. Thanks. I searched for "rebate" or "refund" and did not find it in the thread. Should have actually read the first post. But as you said, worth reiterating si...
by MisterBill
Fri Jan 20, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 327
Views: 36606

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I don't see it mentioned here, but when taking advantage of these bonuses, it's also worth asking if the new firm will refund any fees charged by your previous brokerage house when transferring your assets. From experience, I know that Fidelity and Merrill Edge will do it.
by MisterBill
Tue Jan 17, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax 2016 purchase source
Replies: 88
Views: 12158

Re: Turbo Tax 2016 purchase source

Just tried ordering from Staples and the discount code has expired. I ordered the download version of Premier on Saturday 1/14 with this discount code. I had initial success....but then they never sent me my download link! Emailed them today; rep told me my order had been cancelled and I wasn't cha...
by MisterBill
Mon Jan 16, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 16745

Re: Sallie Mae Rewards MC being discontinued

*3!4!/5! wrote:I just recently got BoA CR and only tried it at a couple of WMs where it worked for the higher cashback, but I realize it might not work everywhere I hope. I'll find out as I start using it more.

I don't shop at WM very often but I'll definitely give it a try next time I go!
by MisterBill
Mon Jan 16, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 233
Views: 37847

Re: Bank of America/Merrill Edge - Preferred Rewards

I'm not going to worry too much about when the BoA TR higher cashback tiers kick in. My moderate spending over a few months makes it a small issue. As to AAA card, it is no longer listed on the BoA website. I wonder about its status now. Was it ever listed there? I found a link on the AAA site and ...
by MisterBill
Mon Jan 16, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 16745

Re: Sallie Mae Rewards MC being discontinued

I went a different direction. I accepted their offer of a balance transfer (actually a deposit into my checking account) @ 1% for 13 months. I'm sure I can do something worth more than 1% with the cash. Not the greatest parting gift in the world, but better than nothing. Mine all showed 0% rate but...
by MisterBill
Mon Jan 16, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 16745

Re: Sallie Mae Rewards MC being discontinued

Okay big decision here. BankAmericard Cash Rewards with Preferred Rewards Platinum Honors: 3.5% cash back on groceries (e.g. at Walmart, Sams Club, Costco) with $0 annual fee. Blue Cash Everyday: 1% cash back on groceries (e.g. at Walmart, Sams Club, Costco) with $0 annual fee. Blue Cash Preferred:...
by MisterBill
Mon Jan 16, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 233
Views: 37847

Re: Bank of America/Merrill Edge - Preferred Rewards

Clarification: Travel Rewards uses status at time of purchase . Cash Rewards uses status at time of redemption . Moreover Travel Rewards signup bonus is not boosted by Preferred Rewards bonus. Cash Rewards signup bonus is boosted by Preferred Rewards bonus (at time of redemption). Yes, that is what...
by MisterBill
Sun Jan 15, 2017 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 233
Views: 37847

Re: Bank of America/Merrill Edge - Preferred Rewards

I signed up for an account a month ago with the $1000 bonus. I finally got my Capital One account transferred over last week (Cap One sat on it for 2 weeks before starting to process it), sadly missing the monthly cut-off for Preferred Rewards balances, so it will be April before I get to the top le...
by MisterBill
Sat Jan 14, 2017 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 132
Views: 18729

Re: Fidelity free Turbotax

I chatted with a fido rep today. In order have private Client status, only taxable account counts toward the $1 million. 401k/403b/457 do not count. Only personal. IRAs also count. What about BrokerageLink? Yes, it's a 401(k), but sure looks like it's on the retail side somehow... Does it show up o...
by MisterBill
Thu Jan 12, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 16745

Re: Sallie Mae Rewards MC being discontinued

rhlhj wrote:Though the Amazon language here suggests that it is not restricted to the primary Prime member. I"ll see what I learn when Amazon responds.


(excluding Amazon Prime Video and invited guests of an Amazon Prime account)

That's all they need to say.
by MisterBill
Thu Jan 12, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 16745

Re: Sallie Mae Rewards MC being discontinued

mediahound wrote:Just in time, the Chase Amazon Visa has now been changed to give 5% rewards on Amazon purchases (it had previously been 3%).

Only if you are the primary Prime member.

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