Search found 572 matches

by MisterBill
Wed Apr 29, 2020 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 587
Views: 150943

Re: Bank of America/Merrill Edge - Preferred Rewards

just got this email from Bank of America. I guess people won't have to worry about being downgraded as a result of their balances having dropped due to the stock market plunge. We are here to help. We want to assure you that during this time your Preferred Rewards status won't change; therefore, we'...
by MisterBill
Tue Apr 28, 2020 1:16 am
Forum: Personal Consumer Issues
Topic: Anyone done the "free after review" deals on Amazon?
Replies: 6
Views: 997

Anyone done the "free after review" deals on Amazon?

I posted the following to Slickdeals and got only one response so I figured I'd try here instead. I assume this would be considered a personal consumer issue, so not off-topic. Hopefully the information will be helpful to others. I've been getting a bunch of sponsored posts in my Instagram stories f...
by MisterBill
Mon Apr 20, 2020 11:10 pm
Forum: US Chapters
Topic: New York City Local Chapter established
Replies: 269
Views: 104763

Re: New York City Local Chapter established

I live in Westchester and would not normally come to NYC for a meeting but would be happy to attend via Zoom. I'll watch this thread for future meetings. BTW RIngcentral downloaded its own software when I clicked on your link, and it looked different from the usual Zoom software I've been using. It ...
by MisterBill
Sun Apr 19, 2020 4:41 pm
Forum: Personal Consumer Issues
Topic: Stimulus check hiccup
Replies: 6
Views: 959

Re: Stimulus check hiccup

On the other hand if you get the check but come 2020 you are now not eligible, because you made too much money, well, the money is yours to keep. That's my understand of how this works, some correct me please if I'm wrong. That is correct. They will not be taking back overpayments. In fact, even de...
by MisterBill
Wed Apr 15, 2020 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: [IRS tax filing deadline moved to July 15]
Replies: 56
Views: 3782

Re: [IRS tax filing deadline moved to July 15]

So is the consensus to wait till July 15 to file? I owe tax but no penalty. Part of me just want to get it over with though.. We do owe around $5k in federal and $500 in state.. I'm surprised that no one responded so I'll chime in. If you have the money in an account paying little to no interest, t...
by MisterBill
Wed Apr 15, 2020 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Where Will Stimulus Check Go?
Replies: 37
Views: 2734

Re: Where Will Stimulus Check Go?

hicabob wrote:
Wed Apr 15, 2020 10:47 am
Surely with the hubbub over whose signature is on the checks some will be mailed so that someone actually sees the facsimile of the sharpie signature?
I don't think he's going to sign it (that's probably not legal). They (he) just insisted on printing his name on it.
by MisterBill
Wed Apr 15, 2020 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Where Will Stimulus Check Go?
Replies: 37
Views: 2734

Re: Where Will Stimulus Check Go?

papito23 wrote:
Wed Apr 15, 2020 12:16 pm
My payment was just deposited today, available immediately (went to the direct deposit acct IRS used in previous taxes)
Yes, both of my kids got theirs today.
by MisterBill
Wed Apr 15, 2020 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Where Will Stimulus Check Go?
Replies: 37
Views: 2734

Re: Where Will Stimulus Check Go?

Just got into the site. I have not filed my 2019 return yet and my 2018 return was paid by credit card. I got the same "we are unable to determine" message. But I also noticed this, which differs from what was originally announced. They claimed that you would be able to change your account informati...
by MisterBill
Tue Apr 07, 2020 11:06 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 269
Views: 35735

Re: Don't pay full price for SiriusXM radio

It's $5 per month per car. I did mine all on line. Yes, the $5 does cover listening in home. On the other hand, you could always pay for one car and then use the free streaming app in the other car(s). If calling to renew, be sure to verify that you're getting streaming. The first time I renewed af...
by MisterBill
Mon Apr 06, 2020 3:22 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 269
Views: 35735

Re: Don't pay full price for SiriusXM radio

squirm wrote:
Sun Apr 05, 2020 2:21 pm
I make "the call" when there's nothing else better to do. I find it takes at least 30 minutes from start to finish.
Really? I've gotten it down to around 10 minutes, and that's for 2 radios. Last time I did it, they didn't even take my payment, just told me to pay online.
by MisterBill
Fri Apr 03, 2020 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 366
Views: 31084

Re: JPM Chase Reserve Card gets more expensive

I'm not seeing where doordash allows takeout. When you go to their website and select a merchant, it is unclear to me if/how you mark the order as takeout. Since you never seemed to resolve this, on one of the very top lines on the main page, you can select Pickup as an option and it will show you ...
by MisterBill
Sat Mar 28, 2020 6:28 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 269
Views: 35735

Re: Don't pay full price for SiriusXM radio

They should be ashamed of themselves for taking advantage of their customers this way. They should not force their customers to threaten to cancel to get a reasonable rate, and most people are not as well informed as Bogleheads, and most people are not that good or firm about negotiating. No one is...
by MisterBill
Sat Mar 28, 2020 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Pay fed tax now - or July 15?
Replies: 47
Views: 4251

Re: Pay fed tax now - or July 15?

My accountant did my taxes and filed before the extension was announced. She gave me the paperwork for me to send the check before April 15. I thought I could just hold on to the check until July. Should I send the check now or can I wait until July? I would wait. If you have a credit card that pay...
by MisterBill
Wed Mar 25, 2020 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 587
Views: 150943

Re: Bank of America/Merrill Edge - Preferred Rewards

But I was thinking, a vast majority of clients are seeing their three month average balance go down, potentially to a lower tier. So why break protocol and recalculate everyone's reward status in the middle of the month (during a downturn) unless they're trying to mitigate rewards? I don't think th...
by MisterBill
Wed Mar 25, 2020 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1585
Views: 218097

Re: Fidelity as a one stop shop

alx wrote:
Thu Mar 19, 2020 9:56 pm
I spend another 1hr waiting on the phone to ask Fidelity about this. I was told that these options depend on the agreement between Fidelity and the other party (in this case Citi Mastercard).
Why don't you just let Citi pull the money and do pay in full from there?
by MisterBill
Wed Mar 25, 2020 2:34 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 269
Views: 35735

Re: Don't pay full price for SiriusXM radio

Actually, they will tell you that returning customers don't get the $5/mo deal. Happens all the time. Then if you talk to the right CS rep and are firm they will change their tune very quickly . I've been a customer since 2008. A few weeks ago when my last promo expired I insisted on a 12 month dea...
by MisterBill
Sun Mar 08, 2020 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1585
Views: 218097

Re: Fidelity as a one stop shop

I did a brokercheck of the 6 advisors at this Fidelity branch on FINRA and found the one I met with and another one in the office have past personal financial and other issues recorded in FINRA. I decided to stay put at Vanguard for now. Fidelity hiring rep with past records in FINRA ? Are they Fid...
by MisterBill
Fri Mar 06, 2020 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1585
Views: 218097

Re: Fidelity as a one stop shop

Many Thanks. I called Fidelity and they suggested CMA account to direct my payroll salary and for bill pay. What is the typical best practice BH are following on this ? There is lots of discussion already in this thread about which way to do it. I don't think there is any single correct answer.One ...
by MisterBill
Thu Mar 05, 2020 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1585
Views: 218097

Re: Fidelity as a one stop shop

Thanks. I added Fidelity in BoA External Payee Account and it says it did trail deposits into my Fidelity account and pending verification but no such trial deposits are showing up in my Fidelity brokerage account Trial deposits do not show up instantly. It can take as long as two days for them to ...
by MisterBill
Thu Mar 05, 2020 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1585
Views: 218097

Re: Fidelity as a one stop shop

confusedinvestor wrote:
Thu Mar 05, 2020 12:42 am
BoA shows it is "UMB, NA Bank" when I put the Fidelity routing number - Is that a Fidelity Bank ?
Yes.
by MisterBill
Thu Mar 05, 2020 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1585
Views: 218097

Re: Fidelity as a one stop shop

confusedinvestor wrote:
Thu Mar 05, 2020 12:19 am
Thank you.

I am trying to figure out how to update BoA Auto Bill Pay with Fido ACH numbers.

Let me see if I need to add Fidelity as an external bank account.
Billpay -> Manage Accounts -> Other Pay From Accounts
by MisterBill
Thu Mar 05, 2020 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1585
Views: 218097

Re: Fidelity as a one stop shop

Fido Experts, I finally pulled the trigger and opened a brokerage account so we can transition from BoA to Fidelity What is the best way to set up automatic payment of my Bank of America Credit cards using Fidelity brokerage account ? You can get the ACH numbers for your Fidelity brokerage account....
by MisterBill
Wed Mar 04, 2020 7:51 pm
Forum: Personal Investments
Topic: Contributed to Rollover IRA instead of Traditional IRA by mistake, need suggestions
Replies: 8
Views: 515

Re: Contributed to Rollover IRA instead of Traditional IRA by mistake, need suggestions

I'm not an expert, but I don't think it matters. When I made an IRA contribution last year (for the first time in a long time since I had recently retired and always had a pension plan), I made it to a rollover IRA that I already had created. I checked with Fidelity and they told me it was fine. The...
by MisterBill
Wed Mar 04, 2020 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 587
Views: 150943

Re: Bank of America/Merrill Edge - Preferred Rewards

It's a bit of a nuissance carrying around the extra Costco Shop card in the wallet, but I think it's worth it for the incremental 1.75% cash back. Not too much of a hassle if you buy one with $2k (the max limit). I only buy $100 gift cards. I rarely spend more than that in a single visi at Costco, ...
by MisterBill
Wed Mar 04, 2020 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 587
Views: 150943

Re: Bank of America/Merrill Edge - Preferred Rewards

Thats exactly what I was thinking - if costco.com counts as online shopping for 3% category - then I can just buy $2500 gift each quarter and be done with that card. Then can open another card or two for other categories. Is $200 bonus for account opening best it has ever had? Well, if you spend $2...
by MisterBill
Wed Mar 04, 2020 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 587
Views: 150943

Re: Bank of America/Merrill Edge - Preferred Rewards

Thanks for the advice on cash rewards and especially the idea to get multiple (as long as they approve). I get 5x on dining from Citi Prestige so that will stay there, but online shopping category is interesting - I wonder if costco.com counts as warehouse or online shopping. This $2500 limit sucks...
by MisterBill
Wed Mar 04, 2020 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 587
Views: 150943

Re: Bank of America/Merrill Edge - Preferred Rewards

Which cards are best (in addition to premium rewards) to take advantage of 75% multiplier. I am trying to see if I should open another card once I have this preferred rewards enrollment worked out. The Cash Rewards card that does 3% on one category (dining, travel, online and others). Becomes 5.25%...
by MisterBill
Wed Mar 04, 2020 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 587
Views: 150943

Re: Bank of America/Merrill Edge - Preferred Rewards

A free safe deposit box is the only incentive they're giving on bringing in a large deposit or stock portfolio? As I recall I received a $1200 bonus two years ago before I closed my accounts. They're not offering similar offers now? Not even a free toaster? Up to 75% multiplier on your credit card ...
by MisterBill
Wed Mar 04, 2020 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 587
Views: 150943

Re: Bank of America/Merrill Edge - Preferred Rewards

SS Rambo wrote:
Wed Mar 04, 2020 10:54 am
You can find a different new account bonus just by playing with the URL

https://www.merrilledge.com/offers/900offer
https://www.merrilledge.com/offers/1000offer

The two highest I found.
The $1000 offer has expired.
by MisterBill
Wed Mar 04, 2020 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 587
Views: 150943

Re: Bank of America/Merrill Edge - Preferred Rewards

vm81 wrote:
Wed Mar 04, 2020 10:42 am
Free safe deposit box if you can find one.
My daughter actually was able to get one at her local branch. Very convenient since it was a block from their apartment. I know they're hard to find in some areas.
by MisterBill
Wed Mar 04, 2020 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 587
Views: 150943

Re: Bank of America/Merrill Edge - Preferred Rewards

I would appreciate if anyone has any input on this. I have been Bank of America checking customer for 15 years (never preferred rewards member). End of January I opened Merrill Lynch account and moved $360k+ in the account. Funds were transferred on Feb 4th, so makes it 25 days till the end of the ...
by MisterBill
Sun Mar 01, 2020 12:00 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2119
Views: 372870

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I had a $150 account closing fee reimbursed by Merrill Edge for transferring the account to them. It posted as "Fee Reversal/Waived Fee". Will that end up being reported as taxable on a 1099? I thought it was the last time I did this, but I do not recall it posting like that. Obviously the bonus wil...
by MisterBill
Tue Feb 25, 2020 12:41 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2119
Views: 372870

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

At about what net worth does it start becoming worthwhile to take advantage of these bonuses? And to what extent are they independent of what assets you hold (i.e. it doesn't matter what your portfolio is)? I don't move money around to get the bonuses. In my recent case I had some assets that I had...
by MisterBill
Tue Feb 25, 2020 12:07 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2119
Views: 372870

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Does anyone have any recent data points on whether Fidelity or Schwab offer retention bonuses? If so, how much? Thanks! :-) Schwab has a current promo schwabski.com but wouldn't give me any cash bonus to move $500k back to them recently Ski tickets don't do it for me. I recently asked my Fidelity P...
by MisterBill
Fri Feb 21, 2020 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1585
Views: 218097

Re: Fidelity as a one stop shop

HomeStretch wrote:
Fri Feb 21, 2020 9:49 pm
+1. I saw this as I was doing my taxes and was surprised SPAXX was < 50%.
Yes, that is disappointing. Seems like it should be something they strive to accomplish given how people obviously expect it from year to year.
by MisterBill
Fri Feb 21, 2020 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1585
Views: 218097

Re: Fidelity as a one stop shop

Can one write checks from a brokerage account i.e. NOT CMA? You can do pretty much anything using the brokerage account that you can do with the CMA (actually it might not even be "pretty much"). I recently set up a new brokerage account for my wife to keep some cash in so she can have her own acco...
by MisterBill
Thu Feb 20, 2020 11:43 pm
Forum: Personal Investments
Topic: Cold Calls from Hennion & Walsh
Replies: 18
Views: 3310

Re: Cold Calls from Hennion & Walsh

I run several businesses so I answer the phone, but as with most things in life, I try to have fun as I do them. With all of your businesses I'm surprised that you have so much time to waste talking to telemarketers, even if you're trying to get even with them. It also doesn't sound like fun to me,...
by MisterBill
Thu Feb 20, 2020 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 211
Views: 39144

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

Does anybody know if the preferred rewards multiplier works like that for all cards? I have the BoA Norwegian cruise line card that is 3 pts /$ and my last purchase from NCL was only given a total of 3.75 pts/$. Granted, there is no cap on my NCL spend like there is for the cash card at $2.5k /quar...
by MisterBill
Thu Feb 20, 2020 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 211
Views: 39144

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

I apologize if this has been answered already but I couldn't find it. For the $2,500 Quarterly limit: How do I find where this is tracked? Looking through the app I couldn't find how much of the $2,500 i have already used for this quarter. I don't think it is. And note that it's based on when the c...
by MisterBill
Tue Feb 18, 2020 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity is late with 1099
Replies: 49
Views: 4416

Re: Fidelity is late with 1099

student wrote:
Tue Feb 18, 2020 9:59 am
Thanks for the info. I guess another plus for a 3-fund portfolio, less chance of such a delay.
Or hold the offending funds/ETF's in an IRA so tax information is not important.
by MisterBill
Mon Feb 17, 2020 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity is late with 1099
Replies: 49
Views: 4416

Re: Fidelity is late with 1099

Still says 2/29 for me. I have 1099s from other places including Vanguard. It should tell you which fund/stock it's waiting for info from if you click on the link next to the expected date. Yes it did. I reported earlier that it is Fidelity International Small Cap Opportunities Fund (FSCOX). Just s...
by MisterBill
Sun Feb 16, 2020 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity is late with 1099
Replies: 49
Views: 4416

Re: Fidelity is late with 1099

Never mind, I see you already know which fund is causing the delay. But I don't know why you're comparing it to Vanguard. You don't hold that fund there.
by MisterBill
Sat Feb 15, 2020 10:37 pm
Forum: Personal Investments
Topic: Cold Calls from Hennion & Walsh
Replies: 18
Views: 3310

Re: Cold Calls from Hennion & Walsh

+1 on blocking unknown numbers without message. I have almost 400 numbers blocked so far, with more every week. I do this with callers who I get multiple calls from, but more often than not it's a new number. I've read about boxes you can get that have a list of numbers built in that they block, bu...
by MisterBill
Sat Feb 15, 2020 10:32 pm
Forum: Personal Investments
Topic: Cold Calls from Hennion & Walsh
Replies: 18
Views: 3310

Re: Cold Calls from Hennion & Walsh

With all the spam calls theses days, I put our house phone on do not disturb. In the past three days, we got over 60 calls with only ONE call that we actually cared about. if they don’t leave a message, it can’t be important. It works quite well. It’s a shame that regulators and phone companies don...
by MisterBill
Sat Feb 15, 2020 1:07 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity is late with 1099
Replies: 49
Views: 4416

Re: Fidelity is late with 1099

CardinalRule wrote:
Sat Feb 15, 2020 12:25 am
Mine is finally available this evening (February 14).
Yes, for me as well. I hold the standard 3 index funds (actually 4 since I have some in the old foreign index fund and some in the new one). Was able to download into Turbotax.
by MisterBill
Sat Feb 15, 2020 1:01 am
Forum: Personal Investments
Topic: Cold Calls from Hennion & Walsh
Replies: 18
Views: 3310

Re: Cold Calls from Hennion & Walsh

Redlion wrote:
Wed Feb 12, 2020 3:18 am
You must have some time on your hands if you can discuss bonds with Robo callers. I get 10 cold calls a day but prefer not to answer them, Then again that's just me.
10 cold calls a day???? What list did you get onto?
by MisterBill
Wed Feb 12, 2020 1:53 am
Forum: Personal Investments
Topic: Cold Calls from Hennion & Walsh
Replies: 18
Views: 3310

Re: Cold Calls from Hennion & Walsh

I know this is an old thread but this is the only one I found about this firm and I wanted to add a data point since I had found it when looking for info about them. My father recently passed away and he had an account with them (no idea how he found them or if they found him). I was left some munic...
by MisterBill
Tue Feb 04, 2020 12:22 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2119
Views: 372870

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

So I spoke to a Merrill rep and he was supposedly adding the promotion to my current CMA. He said that the 24 week rule is actually across the relationship, not just the account if I were to open a new one.

Also found that the Funds Transfer Service form was available to fill out online and did so.
by MisterBill
Tue Feb 04, 2020 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 79510

Re: Fidelity free Turbotax

Chip wrote:
Tue Feb 04, 2020 6:25 am
This is definitely worth 700 posts each year. :D
This is a merged thread from previous year. It was started in November 2016. So it's not nearly as bad as you say. Of course many of these questions are repeats from year to year.
by MisterBill
Mon Feb 03, 2020 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 79510

Re: Fidelity free Turbotax

Actually that IS the issue for my friend. They have no 401k assets. Their rep is telling them that despite the fact that they have PCG status, they don't get free TT because their taxable account is <1M. I guess I stand corrected. Or maybe the rep is just making up stuff to explain the situation (w...