Search found 177 matches

by GeraniumLover
Mon Nov 11, 2019 6:56 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1965
Views: 325028

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

For TDAM, actual transfer needs to be completed by Oct 8th. Not just initiating transfer. Not much time -- it takes a few days for ACATs. Disappointing that the board missed this earlier :( ADDED: *Offer valid for preselected clients who respond to the offer. So not clear they would honor it if you...
by GeraniumLover
Sat Nov 09, 2019 2:58 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1965
Views: 325028

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Schwab actually has it's first bonus in a while for existing customers https://www.schwab.com/public/schwab/nn/investor_reward.html Not that great, the Schwab referral bonus I linked to earlier is better in some ways, but that may only hold for new to Schwab customers. This offer seems to be no lon...
by GeraniumLover
Sat Nov 09, 2019 8:46 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1965
Views: 325028

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

For TDAM, actual transfer needs to be completed by Oct 8th. Not just initiating transfer. Not much time -- it takes a few days for ACATs. Disappointing that the board missed this earlier :( ADDED: *Offer valid for preselected clients who respond to the offer. So not clear they would honor it if you...
by GeraniumLover
Thu Nov 07, 2019 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursement for a 6-month old fraudulent Visa charge
Replies: 19
Views: 1574

Re: Reimbursement for a 6-month old fraudulent Visa charge

Just reporting back -- I am very happy to report that BOA seems to have permanently credited me for the fraudulent charge despite my delay in reporting it to them.
by GeraniumLover
Tue Oct 29, 2019 12:00 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1965
Views: 325028

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

TDA has some pretty good transfer incentives for the taxable account, but expiring soon. $50k transfer : bonus $300 $100k transfer : bonus $700 $250k transfer : bonus $1,300 $500k transfer : bonus $1,900 $1m transfer : bonus $3,500 $2m transfer : bonus $6,600 $5m transfer : bonus $12,700 https://ww...
by GeraniumLover
Sat Oct 12, 2019 9:02 am
Forum: Personal Investments
Topic: How to handle overcontributing to Solo 401K?
Replies: 30
Views: 6265

Re: How to handle overcontributing to Solo 401K?

... However, this excess contribution would first be considered an excess annual addition if there is sufficient self-employed earned income for the employer contributions. There are very strict rules on excess annual additions. Employer contributions are a protected employee benefit. Under IRS Rev...
by GeraniumLover
Fri Oct 11, 2019 10:25 am
Forum: Personal Investments
Topic: How to handle overcontributing to Solo 401K?
Replies: 30
Views: 6265

Re: How to handle overcontributing to Solo 401K?

… There are two different procedures for a Solo 401k depending on whether you have an excess employee deferral or an excess employer 401k contribution. An excess deferral is relatively easy to correct. You simply request a return of the excess deferral and earnings. Then make the the appropriate en...
by GeraniumLover
Fri Oct 11, 2019 8:55 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1965
Views: 325028

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Schwab actually has it's first bonus in a while for existing customers https://www.schwab.com/public/schwab/nn/investor_reward.html Not that great, the Schwab referral bonus I linked to earlier is better in some ways, but that may only hold for new to Schwab customers. Doctor of Credit reports a us...
by GeraniumLover
Thu Oct 10, 2019 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Married with Separate bank accounts
Replies: 44
Views: 3748

Re: Married with Separate bank accounts

Early on, in part because I brought significant financial assets to the marriage and in part because we both had good-paying jobs, we kept separate accounts but calculated a percentage of income (same % for each) that each of us should contribute to a joint account for joint expenses, and we had sep...
by GeraniumLover
Thu Oct 10, 2019 5:29 pm
Forum: Investing - Theory, News & General
Topic: If Charles Schwab et al. drop commissions to zero, can we build our own index funds?
Replies: 68
Views: 7192

Re: If Charles Schwab et al. drop commissions to zero, can we build our own index funds?

You can get pretty good tracking with just 30 stocks, as illustrated by how strongly correlated the Dow is with the S&P500. You wouldn't need to hold all 500 stocks in the S&P500, and certainly not all 3500+ in TSM. Pick 50-100 representative stocks. How are you going to pick the small- and micro- ...
by GeraniumLover
Thu Oct 10, 2019 11:00 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1965
Views: 325028

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Given that trades are free at most brokerages now (Vanguard and MerrillEdge seem to be the holdouts), it seems that brokers will have to offer incentives other than free trades to attract new investments. Hopefully this will set off a new round of cash bonuses, including from Fidelity.
by GeraniumLover
Mon Sep 23, 2019 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 80
Views: 11254

Re: Primer on Paying Taxes With a Credit Card

Chase Freedom has Paypal as a 5% bonus category starting October 1st. There is one processor who accepts Paypal, PayUSATax. I'll be paying the first $1,500 of my estimated tax like that. Pretty nice margin. This will net you $51, plus the value of the business expense deduction you get for the fees...
by GeraniumLover
Tue Sep 10, 2019 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Reimbursement for a 6-month old fraudulent Visa charge
Replies: 19
Views: 1574

Re: Reimbursement for a 6-month old fraudulent Visa charge

In any event the fact that they didn't flag it either when it happened or when they were investigating the other fraudulent charges makes it unlikely I will continue with this card if they don't reverse the charge. I would have to have more information about the charge to determine if the credit ca...
by GeraniumLover
Mon Sep 09, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursement for a 6-month old fraudulent Visa charge
Replies: 19
Views: 1574

Re: Reimbursement for a 6-month old fraudulent Visa charge

I often get calls or texts for activity on my other credit cards that the issuer suspects are fraudulent. I also get them for charges I authorized that are not consistent with my past transactions. I would have expected that a one-time charge from a web-based business that is a multiple of the norm...
by GeraniumLover
Mon Sep 09, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursement for a 6-month old fraudulent Visa charge
Replies: 19
Views: 1574

Re: Reimbursement for a 6-month old fraudulent Visa charge

Although I agree that I should have caught it earlier, it worries me that BoA didn't flag it when it was made, as it is completely inconsistent with the spending history on the account (the monthly total balance for which is usually in the $50-150 range). I don't understand the cause of your worry?...
by GeraniumLover
Mon Sep 09, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursement for a 6-month old fraudulent Visa charge
Replies: 19
Views: 1574

Re: Reimbursement for a 6-month old fraudulent Visa charge

They left me some hope that since this was on the card they replaced for fraudulent activity, that I might get reimbursed. What exactly did they do to leave you some hope? The agent said something along the lines of: "Oh, I see that this was charged to the card that we cancelled for fraudulent acti...
by GeraniumLover
Mon Sep 09, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursement for a 6-month old fraudulent Visa charge
Replies: 19
Views: 1574

Re: Reimbursement for a 6-month old fraudulent Visa charge

Further complicating matters since you have a business card the rules are different than consumer cards. I don't know the details but I do know that business credit cards have less protections than their consumer counterparts. Whether that impacts this situation I don't know. Yeah, I saw that Visa'...
by GeraniumLover
Mon Sep 09, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Reimbursement for a 6-month old fraudulent Visa charge
Replies: 19
Views: 1574

Reimbursement for a 6-month old fraudulent Visa charge

I am usually very good about checking the charges made on my credits cards. However, I have a business card for my sole proprietorship that I use mostly for recurring charges (website, cloud, software) that I have not been checking as regularly, and I have autopay set up to pay this card from my bus...
by GeraniumLover
Fri Aug 16, 2019 5:01 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1965
Views: 325028

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

neilpilot wrote:
Fri Aug 16, 2019 8:40 am

I think Earl is no longer here.....he left the room in July
That's too bad. If he was exiled, I hope it was by the mods and not God.
by GeraniumLover
Fri Aug 16, 2019 5:35 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1965
Views: 325028

Re: TLHing after a brokerage transfer

Also, when doing a partial transfer from VG to ME or TDA do you get to select the lots you want to move? If not, how does it work? I can't speak for VG to ME or TDA, but I was unable to move specific lots from Fidelity to Etrade. The workaround was to create another account at the original broker, ...
by GeraniumLover
Thu Aug 15, 2019 6:35 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 1469
Views: 102570

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Has anyone posted backtests of the new 55/45 AA? The OP looks like it still features the 40/60 AA.
by GeraniumLover
Wed Jun 19, 2019 8:52 pm
Forum: Investing - Theory, News & General
Topic: Indexing VS. buying Berkshire Hathaway stock?
Replies: 34
Views: 3305

Re: Indexing VS. buying Berkshire Hathaway stock?

Why would you want to invest in the stock of a company whose chairman is 88 years old and whose vice chairman is 95 years old? These two have been the primary reasons for the company's success. What happens after they're gone? If you're looking for a long-term, stable investment, Berkshire Hathaway...
by GeraniumLover
Fri Jun 14, 2019 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1202
Views: 146497

Re: Fidelity as a one stop shop

recently did an ATM withdrawal and it showed up as 'debit card purchase', hoping the reimbursement actually takes place because contrary to what ive read on this forum it should be 'instant' (?) but the Fidelity chat rep I spoke to said to give it 2-3 business days...the rep couldn't verify if it w...
by GeraniumLover
Wed May 29, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1202
Views: 146497

Re: Fidelity as a one stop shop

There are two features Capital One 360 has that I would really love Fidelity to implement: (1) You can click on a check deposit transaction to view the image of the check that was deposited (2) You can enter a memo/description for a transfer transaction These features make it much easier to peruse a...
by GeraniumLover
Tue May 07, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Tax implications of holding personal residence in trust
Replies: 9
Views: 1233

Re: Tax implications of holding personal residence in trust

afan wrote:
Tue May 07, 2019 4:20 pm
I am definitely not a lawyer, but I thought she had to LIVE there for that time??
There are both ownership and residency requirements, among others.
by GeraniumLover
Tue May 07, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Tax implications of holding personal residence in trust
Replies: 9
Views: 1233

Re: Tax implications of holding personal residence in trust

Find out whether the trust can distribute the house to your mother, so that she is the owner for the purposes of the sale. I am not sure this would help since the ownership requirement for the exclusion requires that she own the home for at least 24 months out of the last 5 years leading up to the ...
by GeraniumLover
Tue May 07, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Tax implications of holding personal residence in trust
Replies: 9
Views: 1233

Re: Tax implications of holding personal residence in trust

It's hard to tell from the facts what your father did, what he was trying to accomplish, whether the trusts were included in your father's estate, whether it's possible to get the house to your mother so she can get the benefit of the $250,000 exclusion, or whether, if it's possible to do so, it wo...
by GeraniumLover
Tue May 07, 2019 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Tax implications of holding personal residence in trust
Replies: 9
Views: 1233

Re: Tax implications of holding personal residence in trust

Usually principal residence are put in revocable trust for probate avoidance. In that case, the trust is ignore for tax issues and it is treated as if it was owned individually. The only reason I can think why it was placed in irrevocable trust would be for medicaid or liability issues. I think you...
by GeraniumLover
Tue May 07, 2019 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Tax implications of holding personal residence in trust
Replies: 9
Views: 1233

Tax implications of holding personal residence in trust

My parents put their primary residence in a realty trust of which my father's (irrevocable) trust is the sole beneficiary. He passed away in 2016. We are now about to sell the house. Based on discussions with my parents' trust and estates attorney, I understand that the residence got a stepped-up ba...
by GeraniumLover
Fri Apr 05, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you pay quarterly taxes?
Replies: 36
Views: 4375

Re: Where do you pay quarterly taxes?

Does anyone know if you can make 2 separate estimated quarterly payments to the IRS for the same quarter using 2 different credit cards?
by GeraniumLover
Mon Apr 01, 2019 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 34619

Re: [2018 tax return - How does it compare to previous years?]

AGI up 23.6% from 2017, effective tax rate down 3.2% to 24.1% in 2018 from 27.3% in 2017. QBID helped a bit. There must be a real sweet spot here somewhere -- where the SALT limitation doesn't take a bite and where the QBID is not phased out at all. I would think that lucky soul would be saving 5%+ ...
by GeraniumLover
Tue Mar 19, 2019 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Where do you pay quarterly taxes?
Replies: 36
Views: 4375

Re: Where do you pay quarterly taxes?

Has anyone used the Alliant 3% cash back card to pay quarterly taxes? They claim they pay on all "purchases" but list some exceptions and I cannot tell whether the tax payment would fit into any of the exceptions and obviously don't want to risk that it would.
by GeraniumLover
Wed Mar 13, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Where do you pay quarterly taxes?
Replies: 36
Views: 4375

Re: Where do you pay quarterly taxes?

I have a Fidelity (Elan) card that has 2% cash back, but have never seen targeted spending bonuses. How can you access them? How often do you use the card? It is my primary card (average monthly balance $2000 - paid on time, of course), and I seem to get at least 2-3 of those offers every year. It'...
by GeraniumLover
Wed Mar 13, 2019 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Where do you pay quarterly taxes?
Replies: 36
Views: 4375

Re: Where do you pay quarterly taxes?

There are a few cards that make the fee worthwhile. BoA Travel Rewards or BoA Premium Rewards with Platinum Honors (2.625% cash back on general spend) Chase Freedom or other 5% rotating card with Paypal bonus category (5%) Fidelity (Elan) card with a targeted spending bonus (2.8%, but varies depend...
by GeraniumLover
Tue Mar 12, 2019 8:54 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 295183

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

How about posting an update as to how the portion of your portfolio that uses this strategy has done thus far, HEDGEFUNDIE?
by GeraniumLover
Fri Mar 08, 2019 8:42 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1965
Views: 325028

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

The former had me fill out a form specifying the acquisition date and price for each lot I wanted transferred. Is that the way their online transfer interface works, or did they make you fill out a form to send in? No, E*Trade's online form could not handle the lot identification so they had me fil...
by GeraniumLover
Thu Mar 07, 2019 2:10 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1965
Views: 325028

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I am looking to fund a new E*TRADE account from transfers from Fidelity. If I transfer less than the total holdings of an ETF (e.g., only 100 of the 143.245 shares), does anyone know whether the transfer is done on a FIFO basis with respect to the various lots, or is that something I will need to s...
by GeraniumLover
Thu Mar 07, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 34619

Re: [2018 tax return - How does it compare to previous years?]

My mother's effective tax rate dropped from 17% in 2017 to 16% in 2018 despite her taxable income increasing by 37% (primarily due to long term capital gains and lower itemized deductions).
by GeraniumLover
Sat Mar 02, 2019 9:47 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1965
Views: 325028

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I recently reached out to Fidelity promotions team to let them know I was looking at other brokerage bonuses to see if they would offer a retention bonus. They said no. Has anyone else been able to get a retention bonus from them recently? I was offered one a couple of weeks ago but it was for less...
by GeraniumLover
Sat Mar 02, 2019 6:48 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1965
Views: 325028

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I recently reached out to Fidelity promotions team to let them know I was looking at other brokerage bonuses to see if they would offer a retention bonus. They said no. Has anyone else been able to get a retention bonus from them recently? I was offered one a couple of weeks ago but it was for less...
by GeraniumLover
Sat Feb 23, 2019 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1202
Views: 146497

Re: Fidelity as a one stop shop

SIGH... Just a note, Fidelity does not allow app/picture deposits of checks > $10,000. If you want to deposit a check over $10,000, you have to goto a local branch or mail the check to them. This is not true. I deposit checks exceeding that amount on a regular basis. It depends on your daily limit,...
by GeraniumLover
Sat Feb 23, 2019 7:25 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1965
Views: 325028

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I'm selling my house and not immediately re-buying. I will be keeping a down payment amount in cash, but I will be pulling out about $100k of the equity to invest. This is not a large amount, but I thought of this thread...are there any bonuses for only $100k? I can find bonuses for opening a bank ...
by GeraniumLover
Sat Feb 16, 2019 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1202
Views: 146497

Re: Fidelity as a one stop shop

For those consolidating large amounts to Fidelity, don't forget to claim your cash bonus!

Fidelity Deposit amount ~~ Cash bonus

$1,000,000 to $2,499,999 ~~ $2,500
$2,500,000 to $4,999,999 ~~ $3,500
$5,000,000 or more ~~ $5,000

https://rewards.fidelity.com/offers/cashdepositbonus
by GeraniumLover
Fri Feb 15, 2019 7:04 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1965
Views: 325028

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I am looking to fund a new E*TRADE account from transfers from Fidelity. If I transfer less than the total holdings of an ETF (e.g., only 100 of the 143.245 shares), does anyone know whether the transfer is done on a FIFO basis with respect to the various lots, or is that something I will need to sp...
by GeraniumLover
Mon Feb 11, 2019 5:30 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1965
Views: 325028

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Merrill Edge is cracking down. They will deny a bonus for bringing in assets they determine have been previously held in Merrill Edge, even if those assets had not been used for a bonus before. You cannot find out what value they calculate for assets brought in. They won't tell you if you ask. You ...
by GeraniumLover
Fri Feb 08, 2019 8:47 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1965
Views: 325028

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Thinking this is not a repeat, given that last offer link seems to have expired. Fidelity Deposit amount ~~ Cash bonus $1,000,000 to $2,499,999 ~~ $2,500 $2,500,000 to $4,999,999 ~~ $3,500 $5,000,000 or more ~~ $5,000 https://rewards.fidelity.com/offers/cashdepositbonus Thanks for this. I had been ...
by GeraniumLover
Thu Feb 07, 2019 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW Laid Off and Company wants her back now
Replies: 109
Views: 12054

Re: Need Help - DW Laid Off and Company wants her back now

For those questioning whether she was terminated and suggesting she not make her return contingent on any particular demand, please re-read the original post. The OP's wife was terminated and then asked what it would take for her to return.
by GeraniumLover
Fri Jan 25, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 398
Views: 63866

Re: Fidelity free Turbotax

I called Fidelity this morning because the link for the free Premium had still not appeared for me even though it had for the past several years. They ran a check to see if I qualified. They said that I did and didn't know why the link wasn't appearing. They said if it doesn't appear by the time I n...
by GeraniumLover
Thu Jan 17, 2019 1:21 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1965
Views: 325028

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

worthit wrote:
Thu Jan 17, 2019 11:28 am
I am considering moving to Ally invest to take advantage of their promotions before Jan 31.
Would someone please summarize or post a link to the current Ally promotions?