Search found 133 matches

by SlowMovingInvestor
Wed Oct 18, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Registering/titling new car myself
Replies: 5
Views: 458

Registering/titling new car myself

It's a long story, but I bought a new car from a dealer (I'm sure it's new), and I may need to register/title it myself before the temp tags expire). No lien -- I paid cash. Yes, I know the dealer is supposed to do this, but they have been screwing it up completely and I rreally don't trust them to ...
by SlowMovingInvestor
Fri Oct 13, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90622

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Thanks, good to learn. I've found their service courteous and professional, but they've yet to match an offer for me, whether retention or incoming funds -- I recall for 2-3 years, their marketing/back office didn't even call me back. Even when they had cash offers, they refused to even match TDA/E...
by SlowMovingInvestor
Fri Oct 13, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90622

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

So far, I've done the bonus game with IRAs only.

I'm a little reluctant to transfer taxable accounts because I'm concerned the tax basis may not transfer over properly. Am I just being paranoid ?
by SlowMovingInvestor
Fri Oct 13, 2017 4:03 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90622

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

FYI, I poked around a little bit at Fido and one rep said to me that there was a bonus available for bringing in $1M+ of new funds.

I didn't try asking around for retention bonuses.
by SlowMovingInvestor
Thu Oct 12, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Does IRS have equivalent of credit freeze?
Replies: 20
Views: 1414

Re: Does IRS have equivalent of credit freeze?

You can ask the IRS for a security PIN, but not everyone is eligible to get on.

https://www.irs.gov/identity-theft-frau ... ection-pin
by SlowMovingInvestor
Thu Oct 12, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve 50k points for private banking checking relationship
Replies: 12
Views: 1531

Re: Chase Sapphire Reserve 50k points for private banking checking relationship

I would make the following point. Regardless whether you get a 1099 or not. Cash bonuses to open a checking account are taxable. The fact that the bonus is credit card points may or may not be relevant. IRS has said that bonuses for credit card accounts are not taxable because they constitute rebat...
by SlowMovingInvestor
Thu Oct 05, 2017 7:05 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90622

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

is TDAM giving an cash for transfers to an existing account right now ? I have a small account in another brokerage that I want to transfer over (possibly topped with some cash to reach a threshold). I can only find pages about opening new accounts in TDAM. I usually just open a new account when it...
by SlowMovingInvestor
Thu Oct 05, 2017 7:03 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90622

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Does Fidelity have any bonuses in the third quarter (other than the largely useless 500 trades free bonus) ? I looked on their site, but didn't find anything. I used to particularly like their mileage bonuses, but those vanished at the end of March.
by SlowMovingInvestor
Tue Oct 03, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90622

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

is TDAM giving an cash for transfers to an existing account right now ? I have a small account in another brokerage that I want to transfer over (possibly topped with some cash to reach a threshold). I can only find pages about opening new accounts in TDAM. Not expecting a lot of bonus $$, but any a...
by SlowMovingInvestor
Tue Oct 03, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Payroll shenanigans and their implications
Replies: 48
Views: 3470

Re: Payroll shenanigans and their implications

"Interesting" if unpleasant situation. (And yes, sounds like a VERY bad prognosis in terms of future employment "stability".) But a question: IF a employer with W2 employees (not referring here to 1099 contractors) fails to withhold taxes and/or SS, who is ultimately responsible for those? Suppose ...
by SlowMovingInvestor
Fri Sep 29, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: VG ETF settlement dates? is it 1 day? or?
Replies: 12
Views: 534

Re: VG ETF settlement dates? is it 1 day? or?

It's the same as a stock. So 2 days now, not 1 days like mutual funds.

Note that with mutual funds, some fund companies will allow direct accounts an exchange between funds held in their own family the same day (i.e. Fund A --> Fund B, without going through a settlement fund.
by SlowMovingInvestor
Wed Sep 27, 2017 6:43 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 236
Views: 55841

Re: My New Car Buying Tips

The car I'm looking at is a 2017 Honda Odyssey (SE). 2. The likelihood that one of these 2017s was sitting around more than a few months (when the 2018s started rolling in) seems low. But you can always check the build date, right? These aren't sitting around a year for sure. Yes, you should be abl...
by SlowMovingInvestor
Wed Sep 27, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 236
Views: 55841

Re: My New Car Buying Tips

I disagree. You cannot value a new car as if it were now used with every low miles. The biggest hit for any new car is when you drive it off the lot, and a new 2017 model has not taken that hit yet. Also, the warranty period has not started yet. Sounds good. You have no issue with the fact that the...
by SlowMovingInvestor
Wed Sep 27, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 236
Views: 55841

Re: My New Car Buying Tips

If a 2017 and 2018 are both sitting on the same lot, the 2017 is 1 year old. It has depreciated 1 years worth. If that depreciation is $5,000 (example), then the discounts should be more than that to get me to look at the 2017. You can/should book value the 2017 as if you purchased it new and it wa...
by SlowMovingInvestor
Wed Sep 27, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Bonus and tax question
Replies: 14
Views: 1330

Re: Bonus and tax question

after some additional discussions, I can "smooth" the payment of my bonus. with your $470,000 number in mind, should I take $30,000 in '17 so our total pay is $350,000 +30,000 + wife 90,000 and stay below your 470,000 figure? The AMT is also be an issue. Depending on state taxes and other factors, ...
by SlowMovingInvestor
Wed Sep 27, 2017 9:58 am
Forum: Investing - Theory, News & General
Topic: VG using outsourcing to call me & I'm not happy
Replies: 76
Views: 7014

Re: VG using outsourcing to call me & I'm not happy

I He asked asked if I wanted to vote along with management recommendations on the fund proxies and said he could record my proxy vote over the phone. I did find this odd. I know this was for mutual funds but could a company involved in a proxy fight (say P&G) do something similar and record votes b...
by SlowMovingInvestor
Wed Sep 27, 2017 8:59 am
Forum: Investing - Theory, News & General
Topic: VG using outsourcing to call me & I'm not happy
Replies: 76
Views: 7014

Re: VG using outsourcing to call me & I'm not happy

Outsourcing of proxy votes is quite common (especially for company proxy votes)

In fact, I remember being called multiple times, even at night on a proxy vote (I think it was merger related). It got really annoying.
by SlowMovingInvestor
Tue Sep 26, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Manufacturers rebate for Chevy Cruze
Replies: 9
Views: 1182

Re: Manufacturers rebate for Chevy Cruze

It's getting near the end of the year, you can't really guarantee that GM will still have the same rebate next month. (althought I suspect*financing* deals are probably more likely to expire than straight rebates). However, as long as there are unsold cars, dealers are going to want to make a deal ...
by SlowMovingInvestor
Tue Sep 26, 2017 3:40 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90622

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

It's a bit odd. The original link I had was longer: https://www.merrilledge.com/offers/1000offer?src_cd=sfms17&cm_mmc=gwm-selfdirectedbrokerage-_-vanity-_-g201vn0021_moneyshow-_-na With Firefox, I trimmed the link back a bit and still saw the same page, so I used that. When I launch it in Microsoft...
by SlowMovingInvestor
Tue Sep 26, 2017 4:48 am
Forum: Investing - Theory, News & General
Topic: Is the investment scenario changing for individual investors due to increase in privatization?
Replies: 24
Views: 2187

Re: Is the investment scenario changing for individual investors due to increase in privatization?

It is possible to invest in some publically traded private equity firms -- KKR, Blackstone, Caryle Group etc. These are MLPs, so issue K-1s. If you think private compaies are going to represent an increasing share of the economy, then this is one way to capture part of that return. I think these ar...
by SlowMovingInvestor
Tue Sep 26, 2017 3:48 am
Forum: Investing - Theory, News & General
Topic: Is the investment scenario changing for individual investors due to increase in privatization?
Replies: 24
Views: 2187

Re: Is the investment scenario changing for individual investors due to increase in privatization?

It is possible to invest in some publically traded private equity firms -- KKR, Blackstone, Caryle Group etc. These are MLPs, so issue K-1s.

If you think private compaies are going to represent an increasing share of the economy, then this is one way to capture part of that return.
by SlowMovingInvestor
Mon Sep 25, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Manufacturers rebate for Chevy Cruze
Replies: 9
Views: 1182

Re: Manufacturers rebate for Chevy Cruz

Plus, why just focus on a measly rebate? Broaden your horizons. Get the dealer to take more off the price of the car on top of the rebate. You can make a killing on late-model vehicles. https://www.bogleheads.org/forum/viewtopic.php?t=124638 See this thread. If you start the process now, you can pr...
by SlowMovingInvestor
Sun Sep 24, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Eligibility for TIAA-CREF account
Replies: 3
Views: 260

Re: Eligibility for TIAA-CREF account

What kind of account are you talking about? I do not think TIAA places such restriction on after-tax accounts or IRA accounts anymore. However, why do you want TIAA? The ER of their mutual funds are not competitive with Vanguard. I am talking about individual IRA accounts. Their web site seemed to ...
by SlowMovingInvestor
Sun Sep 24, 2017 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Eligibility for TIAA-CREF account
Replies: 3
Views: 260

Eligibility for TIAA-CREF account

I am considering opening a TIAA-CREF individual account. I did have a small TIAA-CREF account 20+ years back when I was in grad school, but I rolled it out long back (at least I must have, I don't even remember doing it). The TIAA-CREF site says 'A retired employee from any eligible institution' is ...
by SlowMovingInvestor
Sat Sep 23, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Set up a "reverse auction" to get a deal on buying a car
Replies: 32
Views: 2638

Re: Set up a "reverse auction" to get a deal on buying a car

I think people keep getting fixated on this friendship and that is not my intent nor do I think it is important to the discussion at hand of getting the "best" deal. What I think is important is that dealers are more willing to give you a better deal when you are sitting there in person than one of...
by SlowMovingInvestor
Sat Sep 23, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Set up a "reverse auction" to get a deal on buying a car
Replies: 32
Views: 2638

Re: Set up a "reverse auction" to get a deal on buying a car

.. They get thousands of email quote requests a week for their lowest offer. To hire someone to track down those exact models, calculate transportation cost, figure out an "out the door price and conduct numerous email correspondences, by which time that vehicle may have been sold to someone else, ...
by SlowMovingInvestor
Sat Sep 23, 2017 3:19 am
Forum: Personal Consumer Issues
Topic: Phone Techies .....
Replies: 32
Views: 2421

Re: Phone Techies .....

If you're upgrading iphones, consider switching carriers to Virgin Mobile. One year of free unlimited data service if you buy the phone from them:

https://www.virginmobileusa.com/plans.html

The SE is the most cost effective.
by SlowMovingInvestor
Fri Sep 22, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Set up a "reverse auction" to get a deal on buying a car
Replies: 32
Views: 2638

Re: Set up a "reverse auction" to get a deal on buying a car

.. They get thousands of email quote requests a week for their lowest offer. To hire someone to track down those exact models, calculate transportation cost, figure out an "out the door price and conduct numerous email correspondences, by which time that vehicle may have been sold to someone else, ...
by SlowMovingInvestor
Fri Sep 22, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Tax issues relocating abroad, avoid capital gains by gifting to foreign partner
Replies: 20
Views: 1183

Re: Tax issues relocating abroad, avoid capital gains by gifting to foreign partner

The way to do it would be to have the OP gift the account to his wife/girlfriend and then have her move the account out of US assets. One such option would be to move it to Interactive Brokers and buy ETFs domiciled outside the US. There would be a window during which she would own the account and ...
by SlowMovingInvestor
Fri Sep 22, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax issues relocating abroad, avoid capital gains by gifting to foreign partner
Replies: 20
Views: 1183

Re: Tax issues relocating abroad, avoid capital gains by gifting to foreign partner

Have a substantial sums in both regular and 403b accounts, with significant gains. For the regular account, if I gift it entirely to my partner, that completely avoids all taxation, no? (It is under the ~5M gift tax limit). Is it as simple as that? As we are partners and not married she in no way i...
by SlowMovingInvestor
Fri Sep 22, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 52
Views: 3078

Re: Negotiating for a new car purchase

I recommend to go to the specific car forum, normally they have a mega thread about how much people paid for the car with respective trim, and you could really have a sense of how much is a good deal vs getting rip off... it takes a little time to go through every response and I find it very useful...
by SlowMovingInvestor
Fri Sep 22, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 52
Views: 3078

Re: Negotiating for a new car purchase

Not to hijack this thread, but I wonder if one should mention that one is a cash customer (i.e. no financing) when making the initial email/form approach to a dealership. I am not suggesting being dishonest here, just not mentioning your situation. The dealership may be willing to offer a lower pric...
by SlowMovingInvestor
Fri Sep 22, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Set up a "reverse auction" to get a deal on buying a car
Replies: 32
Views: 2638

Re: Set up a "reverse auction" to get a deal on buying a car

Playing vendors against each other is a time-tested method. If you're getting your house remodeled, would you not call (at least) three contractors to get bids? Time tested doesn't always make it the best. A more accurate analogy would be getting three contractor bids without ever talking to them i...
by SlowMovingInvestor
Fri Sep 22, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 52
Views: 3078

Re: Negotiating for a new car purchase

You can get an idea of inventory from the dealer's site. New car inventory is normally up to date. You can probably also go through Honda's web site to build out a car, and get an idea of local inventory. That will tell you whether the dealer is playing games when they say the car is available or no...
by SlowMovingInvestor
Thu Sep 21, 2017 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: How long for a wire transfer to settle/be available at Vanguard?
Replies: 5
Views: 344

Re: How long for a wire transfer to settle/be available at Vanguard?

I've never done a wire transfer, but when I initiate ACH transfers at Vanguard, the money shows up immediately when I request the ACH transfer (although it hasn't even been debited from the bank yet). But I cannot transfer the money out, only use it to buy other Vanguard funds.
by SlowMovingInvestor
Thu Sep 21, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Set up a "reverse auction" to get a deal on buying a car
Replies: 32
Views: 2638

Re: Set up a "reverse auction" to get a deal on buying a car

[Dealers] ... spend their greatest effort and give their biggest deals to retain loyal customers that keep coming back over the years to purchase their vehicles from them. There are also added perks which have been posted in many similar threads that you won't get by only using the internet method ...
by SlowMovingInvestor
Wed Sep 20, 2017 3:35 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90622

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Earl posted this Schwab bonus in another thread http://www.schwab.com/public/schwab/nn/ ... d_sps.html Is this a live bonus, or just a zombie link that Schwab forgot to clean up (or more hopefully, a new link that they plan to introduce soon) ? I'm a little wary when offer pages don't include an ex...
by SlowMovingInvestor
Tue Sep 19, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: K-1s and UBTI
Replies: 3
Views: 321

Re: K-1s and UBTI

The distributions don't get taxed as long as your basis exceeds $0. But distributions are not considered UBTI. Neither are royalties and cap gains usually. Operating earnings (Box 1 of the K1) ARE UBTI (and are also taxable in a regular taxable account unless you have previous year passive loss car...
by SlowMovingInvestor
Tue Sep 19, 2017 2:44 pm
Forum: Investing - Theory, News & General
Topic: K-1s and UBTI
Replies: 3
Views: 321

K-1s and UBTI

I've been thinking of buying some publically traded private equity partnerships such as Blackstone in my IRA. For the sake of this post, I'm going to skip over the pros and cons of such an investment, and focus solely on tax issues -- I'm a little wary of crossing the $1000 limit for UBTI. 1) Blacks...
by SlowMovingInvestor
Mon Sep 18, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Manufacturers rebate for Chevy Cruze
Replies: 9
Views: 1182

Re: Manufacturers rebate for Chevy Cruz

There's no way to predict if rebates will stay, get better, or go away. If you can't come up with the cash until October 5, just finance it and pay off the loan in a month or two. A bird in the hand is worth two in the bush. Plus, why just focus on a measly rebate? Broaden your horizons. Get the de...
by SlowMovingInvestor
Mon Sep 18, 2017 12:19 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90622

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Earl posted this Schwab bonus in another thread http://www.schwab.com/public/schwab/nn/ ... d_sps.html Is this a live bonus, or just a zombie link that Schwab forgot to clean up (or more hopefully, a new link that they plan to introduce soon) ? I'm a little wary when offer pages don't include an exp...
by SlowMovingInvestor
Mon Sep 18, 2017 12:10 am
Forum: Personal Consumer Issues
Topic: Manufacturers rebate for Chevy Cruze
Replies: 9
Views: 1182

Manufacturers rebate for Chevy Cruze

I'm thinking of buying a 2017 Chevy Cruz (all cash). GM currently has a deal for 20% off for 2017 Cruz models (the deal expires on October 2nd). For complicated reasons, I may not be able to buy till 5th October or so. There still seems to be a fairly large inventory of 2017 Cruz models (and I presu...
by SlowMovingInvestor
Sun Sep 17, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 572
Views: 90622

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Here's a link for a new $1000 Merrill Edge offer. Note that it says "This limited time offer is valid only for Money Show attendees". They have had similar offers in the past where some people (who had not attended the event) had no trouble signing up online with the offer code, but others reported...
by SlowMovingInvestor
Sun Sep 17, 2017 4:24 am
Forum: Personal Finance (Not Investing)
Topic: Question about Carfax report/used car
Replies: 6
Views: 521

Question about Carfax report/used car

I'm looking at purchasing a late model (2017/2016) low mileage used car. I'm looking at pre certified Subarus (Subaru has an excellent precertified used program). I was looking at Carfax reports for some of the cars I'm considering. One item I did see in a Carfax report is Dealer took title of this ...
by SlowMovingInvestor
Tue Sep 05, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage missing $ again
Replies: 19
Views: 3062

Re: Vanguard Brokerage missing $ again

Posts like these are frightening and make me wonder if I should move away from Vanguard. I had one small problem with them in the past and it was quickly and professionally resolved so I cannot complain about the customer service that I have received. Still, disappearing balances of the type refere...
by SlowMovingInvestor
Sun Aug 20, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 74
Views: 8766

Re: ObamaCare 2018

Without getting into politics, it seems to me (from some pricing that I did) that the older but pre-Medicare group (say 52-65) benefit from the ACA. It caps premiums based on age at 3 times younger consumers' rate, which likely falls below actual cost for people in that age group. It's hardly an ent...
by SlowMovingInvestor
Thu Aug 17, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 70
Views: 6127

Re: Where to buy glasses for eclipse viewing ?

Try B & H Photo and Video

https://www.bhphotovideo.com/c/product/ ... asses.html

They seem to still have some in stock, but you might need to specify express shipping (or pickup at the store if you are in the NYC area)
by SlowMovingInvestor
Sat Aug 12, 2017 3:50 am
Forum: Personal Finance (Not Investing)
Topic: When to pay estimated taxes on mutual fund distributions in December 2018?
Replies: 32
Views: 2028

Re: When to pay estimated taxes on mutual fund distributions in December 2018?

Fidelity's mutual funds for Total U.S. Stock Market and international will pay a hefty distribution in December 2018. Each around $0.97 per share in dividends and $0.30 per share in capital gains. I'm a little confused. Has Fidelity announced distributions for Dec 2018 already ? How is that possibl...
by SlowMovingInvestor
Tue Aug 08, 2017 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Ultra Short Term Bond Fund
Replies: 6
Views: 966

Re: Ultra Short Term Bond Fund

I checked with my brokerage and it seems like they have a fairly hefty short term transaction fee for selling Ultra Short Term Bond Funds in a redemption period. So that is out as a MMF subsitude. The alternative seems to be to use floating rate loan ETFs like FLOT/FLRN. I have some free trades, (an...
by SlowMovingInvestor
Fri Aug 04, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Ultra Short Term Bond Fund
Replies: 6
Views: 966

Ultra Short Term Bond Fund

I am looking for a place to park some spare cash (currently in an IRA at a broker) till I invest it in Vanguard ETfs. Here is previous thread on this. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=224929&newpost=3478150 No MM Fund that pays more than 0.1% is available, and I have to keep the ...