Search found 910 matches

by SlowMovingInvestor
Tue Dec 11, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Uber Cash Discount
Replies: 4
Views: 1117

Uber Cash Discount

Looking at using Uber for some trips, I saw that you can get upto a 5% discount if you use Uber Cash (which is misnamed, it's more like Uber Gift Cert than anything else). So is there anything that would stop you from loading up Uber Cash with your CC just before calling a taxi so you can get the 5%...
by SlowMovingInvestor
Sun Dec 09, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3110
Views: 603720

Re: What's Your Credit Card Rewards Strategy?

Question about the BoA Travel Rewards Card Airline Fee Refund: I applied, was accepted , and expect to get the card shipped soon. But I am travelling a lot and may have literally no more than a day or 2 left this year when I get the card. Can one just charge something like an AA gift certificate imm...
by SlowMovingInvestor
Sun Dec 02, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: foreign tax credit
Replies: 12
Views: 938

Re: foreign tax credit

Note that dividends paid out may not be qualified. If it's a non-US company paying the dividends, then the rate of taxation for dividends under US law is normally specified in a tax treaty between the US and that country. If there is no tax treaty, then I think the dividends can be assumed to be non...
by SlowMovingInvestor
Sat Dec 01, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3110
Views: 603720

Re: What's Your Credit Card Rewards Strategy?

Any thoughts on BoA Premium Rewards CC ? 50,000 pts = $500 signup, and a few other benefits.

Normally, I like to go with transferrable points or UA/AA miles, but there really aren't any I'm eligible for right now.

ADDED: I should add I'm Platinum Honors
by SlowMovingInvestor
Sat Dec 01, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: "The Steak Dinner Annuity Pitch"
Replies: 60
Views: 7175

Re: "The Steak Dinner Annuity Pitch"

Umm, the author didn't actually confront the presenter during the session, he did it the next day 1:1. Maybe he should have said something during the session and saved some old folks some money, why wouldn't that be the ethical thing to do? The author is a reporter, not a financial crusader (at lea...
by SlowMovingInvestor
Sat Dec 01, 2018 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Using PersonalCapital, Mint, etc.... - and fraud concerns
Replies: 46
Views: 7913

Re: Using PersonalCapital, Mint, etc.... - and fraud concerns

Mint/Yodlee doesn't store your user and password. They use it to authenticate once, then generate a token which is then stored and used to pull future transactions. This has never been my experience - if that were true then you could change your password after they had performed their first sync an...
by SlowMovingInvestor
Fri Nov 30, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3110
Views: 603720

Re: What's Your Credit Card Rewards Strategy?

Not exactly CC, but miles related -- I have a BankDirect account that gives me AA miles, which I use for international biz class travel (so very good redemption values). Interest on the account is almost non-existent which was OK when competing accounts were paying 1% at most, but with online savin...
by SlowMovingInvestor
Fri Nov 30, 2018 7:08 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3110
Views: 603720

Re: What's Your Credit Card Rewards Strategy?

Not exactly CC, but miles related -- I have a BankDirect account that gives me AA miles, which I use for international biz class travel (so very good redemption values). Interest on the account is almost non-existent which was OK when competing accounts were paying 1% at most, but with online saving...
by SlowMovingInvestor
Fri Nov 30, 2018 6:03 am
Forum: Personal Consumer Issues
Topic: Comic books
Replies: 22
Views: 1991

Re: Comic books

One thing I should add is that it is probably worth while getting an idea of the price of a comic on ebay before disposing of it in any other way. I used to give away a lot of comics to charity, but I did discover that I had given away some not-so-cheap comics a few times. For instance, I gave some ...
by SlowMovingInvestor
Fri Nov 30, 2018 5:53 am
Forum: Personal Consumer Issues
Topic: Comic books
Replies: 22
Views: 1991

Re: Comic books

Is it worth hauling a bunch of comics/books to sell at a local flea market ? I've no idea what the charge for booking a table might be. You would probably be bettet off renting a table at your local comic book convention. I really don't have that many high quality (VF+ and above) books that I want ...
by SlowMovingInvestor
Thu Nov 29, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Comic books
Replies: 22
Views: 1991

Re: Comic books

Sell them to a local comic book store the easiest route? They will give you a fraction of the value. You could see what they offer. I would sell them on Ebay. I know it is some work, but you will get the best return for them. Is it worth hauling a bunch of comics/books to sell at a local flea marke...
by SlowMovingInvestor
Thu Nov 29, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Comic books
Replies: 22
Views: 1991

Re: Comic books

I've never sold anything on Ebay but have toyed with the idea of creating an account to sell some of my comics (especially sets of a particular series). I did check prices on Ebay for some comics (generally in the $5-$20 range) a few months ago. I checked comics that were sold, continental US only, ...
by SlowMovingInvestor
Thu Nov 29, 2018 2:07 pm
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 44
Views: 2737

Re: Do Fidelity Offices/Advisors Add Value?

For a roboadvisor, Schwab may be best in terms of cost -- their Intelligent Portfolios are free.
by SlowMovingInvestor
Thu Nov 29, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: 7%, 7 month CD @ Great Lakes Credit Union
Replies: 7
Views: 1729

Re: 7%, 7 month CD @ Great Lakes Credit Union

And you need to become a member too, I presume (although that is mostly a fig leaf these days).
by SlowMovingInvestor
Thu Nov 29, 2018 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Are CDs taxed each year or at maturity?
Replies: 15
Views: 1990

Re: Are CDs taxed each year or at maturity?

You typically get 1099-OIDs for multi-year CDs.

The interest is imputed and you pay yearly for CDs > 1 year. Ditto for a Zero coupon bonds that you buy at issue and hold till maturity
by SlowMovingInvestor
Wed Nov 28, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October after
Replies: 58
Views: 5326

Re: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October a

On top of that, Fidelity is a publicly traded company (FMR), so anyone can see what top executives make. Vanguard is not and is opaque with respect to salaries, bonuses and other compensation. While it's common for Bogleheads to cry "we own the company so they look out for us", I think that's naive...
by SlowMovingInvestor
Wed Nov 28, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Limited Care FSA outside the US
Replies: 2
Views: 238

Re: Limited Care FSA outside the US

Reupping this -- anyone know the answer to this or know who might be able to answer (my FSA administrator ? ) ?

No reason limited care FSA can't be used outside the US for properly documened dental and vision expenses, but I'm not sure. As I said, I have used FSAs for this in prior years.
by SlowMovingInvestor
Sun Nov 25, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Replacing TPMS stem/kit when replacing tires?
Replies: 16
Views: 1275

Re: Replacing TPMS stem/kit when replacing tires?

I have replaced tires 2-3 times on a 12 year old card, and never replaced TPMS. Finally, one of the TPMS sensors seems to have stopped working, and I get TPMS on all the time. I'm thinking I'll just ignore it (it is an old car), and pretend it's a car without TPMS. I carry a portable inflator in my ...
by SlowMovingInvestor
Sun Nov 25, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Denied credit card opening
Replies: 25
Views: 2040

Re: Denied credit card opening

Chase seems the most strict with their 5/24 rule. I would plan your churning around them. I have gotten a 6th card approved by Chase. We had a Chase mortgage and CPC at the time. One phone call to the rejection department fixed it. Never even mentioned the 5x24 thing. There are some non 5/24 Chase ...
by SlowMovingInvestor
Sat Nov 24, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Prepaying state property taxes
Replies: 8
Views: 807

Re: Prepaying state property taxes

What state? I asked a similar question recently and this was one of the best answers I got. It took me a little while to understand what's going and it's a little complicated, but I do think it helps optimize for some. b) the annual property tax assessment is more than 2/3 and less then twice the s...
by SlowMovingInvestor
Sat Nov 24, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Denied credit card opening
Replies: 25
Views: 2040

Re: Denied credit card opening

Chase seems the most strict with their 5/24 rule. I would plan your churning around them. I have gotten a 6th card approved by Chase. We had a Chase mortgage and CPC at the time. One phone call to the rejection department fixed it. Never even mentioned the 5x24 thing. There are some non 5/24 Chase ...
by SlowMovingInvestor
Sat Nov 24, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Prepaying state property taxes
Replies: 8
Views: 807

Prepaying state property taxes

Last year, I prepaid state property taxes for 2 quarters to take advantage of the Federal property tax break for the last time. My state also has a property tax break (which was actually increased this year). I'm not reaching the max state deduction for this year with the 2 qs worth of taxes I've pa...
by SlowMovingInvestor
Fri Nov 23, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: What financial information do you share with your family and relatives?
Replies: 112
Views: 9706

Re: What financial information do you share with your family and relatives?

This is the holiday season and here are some questions I've heard asked at gatherings in the past. Some I have been asked myself. "How much was your utility bill?" "How much do you pay for car/house insurance?" I think I've asked very close relatives these questions once or twice. Insurance rates a...
by SlowMovingInvestor
Wed Nov 21, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Interview with Fidelity's Abigail Johnson
Replies: 28
Views: 3580

Re: Interview with Fidelity's Abigail Johnson

What struck me is that in this very long conversation, Abigail Johnson said precious little to defend the value of actively managed funds, which is what Fidelity stands for in large part. Sometimes what is not said is more important than what is. The silence is deafening. I don't think she was spec...
by SlowMovingInvestor
Wed Nov 21, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Floodlight with motion sensor
Replies: 17
Views: 1097

Re: Floodlight with motion sensor

My motion sense floodlight which is 2 stories above the ground which it covers works fine from that height. Remember that the body height of someone will be a few feet less than the ground height. Thanks. What brand ? Also, can floodlight security motion sensors be tested in the daylight (does one ...
by SlowMovingInvestor
Wed Nov 21, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Floodlight with motion sensor
Replies: 17
Views: 1097

Re: Floodlight with motion sensor

My motion sense floodlight which is 2 stories above the ground which it covers works fine from that height. Remember that the body height of someone will be a few feet less than the ground height. Thanks. What brand ? Also, can floodlight security motion sensors be tested in the daylight (does one ...
by SlowMovingInvestor
Wed Nov 21, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Floodlight with motion sensor
Replies: 17
Views: 1097

Re: Floodlight with motion sensor

go_mets wrote:
Wed Nov 21, 2018 12:22 pm
It sounds like yours are battery-powered?

If so, I have the Mr. Beams not-networked MB390.
They seem to be about 20 feet.

My neighbor's one above above the garage powered by AC is definitely more sensitive.
No, they're wired with AC.
by SlowMovingInvestor
Wed Nov 21, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Floodlight with motion sensor
Replies: 17
Views: 1097

Floodlight with motion sensor

I have a floodlight attached to the roof (2nd floor) on the side of my house, which I'm thinking of replacing. Would a floodlight with a motion sensor work at that height (20 ft+) pointing down at a steep angle ? Would it be effective ? The coverage range of some motion detector lights seems to be 4...
by SlowMovingInvestor
Sun Nov 18, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Interview with Fidelity's Abigail Johnson
Replies: 28
Views: 3580

Re: Interview with Fidelity's Abigail Johnson

Quick comment: I've generally had an excellent experience with Fidelity -- marvelous customer service. They do ask me if I'm interested in financial advice every 6-12 months, but back off immediately when I say no. If someone asked me where they should open a new account, I would be inclined to say ...
by SlowMovingInvestor
Sun Nov 18, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3110
Views: 603720

Re: What's Your Credit Card Rewards Strategy?

I also discovered that 50K is not the best -- there is a better 75K targeted deal. Not sure how I can get myself targeted. Reupping this question. I have an offer for 50K delta miles with the Amex delta card. There is a better 75K targeted deal, but I don't see it when I try and check for deals. Is...
by SlowMovingInvestor
Sun Nov 18, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: My car was totaled. Do any of you have experience with this process?
Replies: 48
Views: 2909

Re: My car was totaled. Do any of you have experience with this process?

Further complicating this situation is that I have a relative (a mechanic) who is possibly interested in purchasing the salvaged vehicle. It cannot be safely driven in its current form so it would need to be towed. Would I need to be able to negotiate with the insurance company? I'm thinking that I...
by SlowMovingInvestor
Sun Nov 18, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: Interview with Fidelity's Abigail Johnson
Replies: 28
Views: 3580

Re: Interview with Fidelity's Abigail Johnson

It would have been interesting to hear whom Ms. Johnson considers to be Fidelity's greatest competitor. Vanguard, Schwab, TDAM are obvious, but the likes of Betterment, YouInvest etc. may also be competitors. She mentions their partnership with Blackrock, but in some ways Blackrock is a competitor f...
by SlowMovingInvestor
Sat Nov 17, 2018 6:23 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 673
Views: 47426

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Does anyone know if Fidelity support Institutional class Vanguard funds? That's what I have in my HealthEquity account and wondering if I'd need to sell before transferring. I don't know, but I doubt it. Fidelity's own peasant class index funds have extremely low ERs, sometimes lower than Vanguard ...
by SlowMovingInvestor
Sat Nov 17, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: Interview with Fidelity's Abigail Johnson
Replies: 28
Views: 3580

Interview with Fidelity's Abigail Johnson

This week's Barrons has an interview with Abby Johnson and another Fido exec. Nothing really new, but generally interesting:

https://www.bloomberg.com/news/features ... ndex-funds
by SlowMovingInvestor
Fri Nov 16, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Limited Care FSA outside the US
Replies: 2
Views: 238

Limited Care FSA outside the US

Can expenses incurred on dental care outside the US be paid for with a limited care FSA ?

I think I have used an FSA to pay for dental care outside the USA before. That time I had an FSA card, and I just used that. I later provided receipts to the FSA administrator.
by SlowMovingInvestor
Fri Nov 16, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: dental insurance - weighing extra premium vs extra benefit
Replies: 5
Views: 625

Re: dental insurance - weighing extra premium vs extra benefit

I know I could come out about $500 ahead if I got the better plan and just I needed to use the full benefit, or up to $3100 head if for some reason everyone needed to use their max benefits, but ... is there some way I can assess the likelihood of any of that? Talk to your dentist, and get an asses...
by SlowMovingInvestor
Fri Nov 16, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3110
Views: 603720

Re: What's Your Credit Card Rewards Strategy?

Capital One Venture Rewards Credit Card has a limited time 75k bonus up from the usual 50k bonus. Thoughts on this deal and this card? https://thepointsguy.com/news/capital-one-venture-current-offer/ Great deal now that it's a transferable to airlines. And for $1 spend, you can get 1.5 miles. Aerop...
by SlowMovingInvestor
Thu Nov 15, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3110
Views: 603720

Re: What's Your Credit Card Rewards Strategy?

I received an offer from Amex Delta : 50K miles for $2k spend, first year fee waived. I am not normally a big user of Delta miles, but this seems like a decent offer. I have had Amex Delta in the past -- but this doesn't contain any lifetime language. 1) I remember reading that Amex's site warns yo...
by SlowMovingInvestor
Thu Nov 15, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 58
Views: 5982

Re: You Invest by JP Morgan Chase

FYI -- Chase seems to have extended the closing date of the Sapphire Checking offer to mid Jan.

That makes life easier for me since I don't want to open that account until next year.
by SlowMovingInvestor
Thu Nov 15, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3110
Views: 603720

Re: What's Your Credit Card Rewards Strategy?

I received an offer from Amex Delta : 50K miles for $2k spend, first year fee waived. I am not normally a big user of Delta miles, but this seems like a decent offer. I have had Amex Delta in the past -- but this doesn't contain any lifetime language. 1) I remember reading that Amex's site warns you...
by SlowMovingInvestor
Wed Nov 14, 2018 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 58
Views: 5982

Re: You Invest by JP Morgan Chase

am wrote:
Wed Nov 14, 2018 7:55 pm

I had no problem doing a partial transfer through the branch. It took less than a week. But the cost basis data is not available yet but it’s only been one day? Do they post it later?
With ACATS transfers, yes -- the cost basis data arrives in 2-3 days. But double check !
by SlowMovingInvestor
Wed Nov 14, 2018 6:17 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 228400

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I know its more modest than others, but just got a $774 retention bonus from Fidelity for leaving our funds with them. It's money we would have had and it's only for keeping our money with them (as we intended to do) for 9 months. Originally, they declined to give anything but I called them back an...
by SlowMovingInvestor
Wed Nov 14, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have a bad experience with HDHP?
Replies: 43
Views: 3973

Re: Anyone have a bad experience with HDHP?

Annual "Free" medical exam: Ohh this is a pain point for me... This sort of applies to both plans and is a fallout of the ACA. We all now get a "free" annual exam / yearly checkup. My work tries to incentivize us by giving us a credit towards our premium if we get our exams. Well this has turned in...
by SlowMovingInvestor
Tue Nov 13, 2018 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3110
Views: 603720

Re: What's Your Credit Card Rewards Strategy?

It seems that Capital One has added several Transfer partners to it's points program: Aeromexico Air Canada Aeroplan Air France/KLM Alitalia Avianca Cathay Pacific Etihad EVA Finnair Hainan Qantas Qatar That is very good news, and makes the card worth getting for me. Aeroplan gives you a lot of Star...
by SlowMovingInvestor
Tue Nov 13, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 58
Views: 5982

Re: You Invest by JP Morgan Chase

Extremely frustrating experience so far: - No support for partial transfers online - For partial transfers, must do in paper, obtain notarization, and send in US Mail. No option for fax/email - No reimbursement for account transfer fees I completed all these steps, mailing off the transfer form on ...
by SlowMovingInvestor
Tue Nov 13, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: Vanguard Year-End distribution estimates
Replies: 34
Views: 1449

Re: Vanguard 2018 Preliminary capital gains estimates.

A shame I wasn't smarter when I was choosing funds and fund placement way back when. Capital Opportunity (VHCAX) will be a bit painful, and I'm sure Primecap's Aggressive Growth (POAGX) will be the same. :oops: I was thinking the same thing. VHCAX and Vanguard Health Care just hand out big CGs ever...
by SlowMovingInvestor
Tue Nov 13, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 228400

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

About the Chase Sapphire offer https://accounts.chase.com/consumer/banking/online?px=TX22729&jp_aid_a=66878011&jp_aid_p=chasehome_3/hero Is it OK if you create the YouInvest account first, then sign up and transfer to the YouInvest account ? For logistical reasons, I want to do it that way. I also w...
by SlowMovingInvestor
Tue Nov 13, 2018 6:56 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 673
Views: 47426

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I have Health Equity's HSA. Not a huge fan of them, but fees are reasonable ($2.50/month with discount from my PEO-based health insurance). Would be nice if Fidelity doesn't charge too much. If cheaper than $2.50/month, I would likely transfer mine. You'd transfer an account for a quarter a month? ...
by SlowMovingInvestor
Mon Nov 12, 2018 8:40 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 673
Views: 47426

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I predict Fidelity will not charge any monthly fees to these accounts. The HSA administrator also has to handle reimubrsement, right ? That's an administrative cost and they have to make that up somehow. Also, I would guess that a lot of people don't really use the HSA for investment, but instead t...
by SlowMovingInvestor
Mon Nov 12, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1349
Views: 228400

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Having said that, I just read this language in the fine print of the Fidelity transfer bonus policy (this for new funds moved to Fidelity): Account holders must maintain the minimum qualifying account balance (minus any losses related to trading or market volatility, or margin debit balances) at Fi...