Search found 1316 matches

by SlowMovingInvestor
Thu Oct 17, 2019 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Chase "You Invest" account - Biggest complaint
Replies: 22
Views: 3060

Re: Chase "You Invest" account - Biggest complaint

4. Do be wary of clawback before 6 months. Some offers do have that in fine print. Not all do. Honestly, if I had a lot of URs in general (such as from CC), I would wait a year. Even if there is no clawback beyond 6 months, Chase could close your CCs and force you to redeem all your URs. Yes, they ...
by SlowMovingInvestor
Thu Oct 17, 2019 6:15 pm
Forum: Personal Investments
Topic: Mutual Fund VBS -> Schwab
Replies: 11
Views: 565

Re: Mutual Fund VBS -> Schwab

I transferred some T Rowe Price funds over to Schwab that had been accumulated since the 90's. It appears they tracked the separate lots (there are numerous small lots from reinvested dividends and such), however, the lots appear to have been grouped into two blocks each assigned a different averag...
by SlowMovingInvestor
Thu Oct 17, 2019 5:58 pm
Forum: Personal Investments
Topic: Mutual Fund VBS -> Schwab
Replies: 11
Views: 565

Re: Mutual Fund VBS -> Schwab

Nate79 wrote:
Thu Oct 17, 2019 5:46 pm
Why not convert them to ETFs at Vanguard then transfer them?
These are MFs that are not convertible to ETFs (indeed, don't have equivalents). And I don't want to sell because of embedded gains.
by SlowMovingInvestor
Thu Oct 17, 2019 5:26 pm
Forum: Personal Investments
Topic: Mutual Fund VBS -> Schwab
Replies: 11
Views: 565

Re: Mutual Fund VBS -> Schwab

So if I understand the previous threads correctly, for MFs:

1) Schwab does transfer cost basis from other brokerages properly
2) You have to call their cost basis group after selling a MF (same day) to assign basis to the sold lots properly.
by SlowMovingInvestor
Thu Oct 17, 2019 1:48 pm
Forum: Personal Investments
Topic: Mutual Fund VBS -> Schwab
Replies: 11
Views: 565

Re: Mutual Fund VBS -> Schwab

I transferred some T Rowe Price funds over to Schwab that had been accumulated since the 90's. It appears they tracked the separate lots (there are numerous small lots from reinvested dividends and such), however, the lots appear to have been grouped into two blocks each assigned a different averag...
by SlowMovingInvestor
Thu Oct 17, 2019 1:06 pm
Forum: Personal Investments
Topic: Mutual Fund VBS -> Schwab
Replies: 11
Views: 565

Re: Mutual Fund VBS -> Schwab

You might read this thread about trying to sell SPEC ID mutual funds at Schwab. Apparently, you can't do it on line like you can with ETFs and stocks. https://www.bogleheads.org/forum/viewtopic.php?t=270543&start=50 Thanks ! Disappointing that Schwab seems to be behind Fidelity and even Vanguard on...
by SlowMovingInvestor
Thu Oct 17, 2019 11:33 am
Forum: Personal Investments
Topic: Mutual Fund VBS -> Schwab
Replies: 11
Views: 565

Mutual Fund VBS -> Schwab

I was planning to transfer some mutual funds to Schwab from VBS I wanted to verify that Schwab can receive specific lot basis for MFs. Their web site allows you to set that up for stocks, ETFs etc., but requires a special form to set that up for MFs at Schwab. I don't know if they accept cost basis ...
by SlowMovingInvestor
Wed Oct 16, 2019 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Chase "You Invest" account - Biggest complaint
Replies: 22
Views: 3060

Re: Chase "You Invest" account - Biggest complaint

Yes I'm not impressed. Once I get my $625 signup bonus+ min holding period I'm out of there. I'm a little wary of closing my account too abruptly -- in my case it's UR points that I received, and there are stories of Chase shutting down people's accounts with URs without assigning any particular re...
by SlowMovingInvestor
Wed Oct 16, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4103
Views: 774127

Re: What's Your Credit Card Rewards Strategy?

Does anyone know if you can re apply for Discover IT card to get bonus again? I want to do it for the $75 Amazon credit. I've had it and canceled it. Surely there are other cards you can apply for that give you more than a $75 payback ? Really not even $75, more like $30 if you already have an Amaz...
by SlowMovingInvestor
Wed Oct 16, 2019 7:21 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4103
Views: 774127

Re: What's Your Credit Card Rewards Strategy?

Does anyone know if you can re apply for Discover IT card to get bonus again? I want to do it for the $75 Amazon credit. I've had it and canceled it. Surely there are other cards you can apply for that give you more than a $75 payback ? Really not even $75, more like $30 if you already have an Amaz...
by SlowMovingInvestor
Tue Oct 15, 2019 3:38 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1918
Views: 316193

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

LuigiLikesPizza wrote:
Tue Oct 15, 2019 2:03 pm
I'm likely to have about $200K to rollover/bring into a new brokerage in the next few weeks.

Is this Schwab offer, currently the most beneficial? anyone know? thanks
You could split it into 2, 100K to Schwab for referral offer, 100K to Merill Edge for $600.
by SlowMovingInvestor
Sun Oct 13, 2019 7:49 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1918
Views: 316193

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Not a bad Schwab bonus, https://www.schwab.com/public/schwab/nn/refer-prospect.html You do need a referral. Thank you. Got the latest Merrill bonus 2 weeks ago, and was just wondering where to move my IRA next. Opened my first ever Schwab account last week using this link. I find $300 bonus for $50...
by SlowMovingInvestor
Sat Oct 12, 2019 5:54 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1918
Views: 316193

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

A Schwab rep told me that they could move Vanguard Admiral Funds over, but would not allow transactions (I.e. no sales). Surprising, frankly. I am not sure the rep was correct. Anyone have any experience in this ? That doesn't sound right to me either, but if it's true a workaround would be to call...
by SlowMovingInvestor
Sat Oct 12, 2019 5:13 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1918
Views: 316193

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

A Schwab rep told me that they could move Vanguard Admiral Funds over, but would not allow transactions (I.e. no sales). Surprising, frankly. I am not sure the rep was correct. Anyone have any experience in this ? Really? I suspect you can hold Admiral funds in your Schwartz account, sell them as w...
by SlowMovingInvestor
Fri Oct 11, 2019 5:07 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1918
Views: 316193

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

A Schwab rep told me that they could move Vanguard Admiral Funds over, but would not allow transactions (I.e. no sales). Surprising, frankly.

I am not sure the rep was correct. Anyone have any experience in this ?
by SlowMovingInvestor
Thu Oct 10, 2019 6:57 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1918
Views: 316193

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 SlowMovingInvestor
Thu Oct 10, 2019 4:08 pm
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 83
Views: 7898

Re: Fidelity to $0 Commissions

Ferdinand2014 wrote:
Thu Oct 10, 2019 1:05 pm
Next thread is when someone offers to pay you to trade.
Doesn't Ibroker already give you some credit if you provide liquidity to a market ?
by SlowMovingInvestor
Thu Oct 10, 2019 8:44 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 83
Views: 7898

Re: Fidelity to $0 Commissions

It's a strange world where brokerages don't charge for brokerage services. I wonder what the business model looks like. For the publicly traded brokerages, this recent news hasn't been good for their companies valuation. FOREX brokers have long offered zero commissions, but they're allowed to play ...
by SlowMovingInvestor
Wed Oct 09, 2019 5:51 pm
Forum: Personal Consumer Issues
Topic: Hotel mini bar - rude to use for own stuff
Replies: 42
Views: 5974

Re: Hotel mini bar - rude to use for own stuff

I don't think it's rude at all. If anything, I would say any decent hotel room should provide a fridge rather than something that most patron's don't use.

[And yes, I know lots of hotels have only mini bars in the room]
by SlowMovingInvestor
Mon Oct 07, 2019 7:18 pm
Forum: Personal Investments
Topic: Treasury Index CD
Replies: 9
Views: 775

Re: Treasury Index CD

If a bank offers something unusual, you can be sure it is a good deal for the bank. If it is not unusual, it is also a good deal for the bank. :twisted: This is a pretty small bank in only one state, so I doubt they're doing anything fancy or anything particularly devious. It doesn’t have to be dev...
by SlowMovingInvestor
Mon Oct 07, 2019 6:56 pm
Forum: Personal Investments
Topic: Treasury Index CD
Replies: 9
Views: 775

Re: Treasury Index CD

sport wrote:
Mon Oct 07, 2019 6:26 pm
If a bank offers something unusual, you can be sure it is a good deal for the bank. If it is not unusual, it is also a good deal for the bank. :twisted:
This is a pretty small bank in only one state, so I doubt they're doing anything fancy or anything particularly devious.
by SlowMovingInvestor
Mon Oct 07, 2019 5:51 pm
Forum: Personal Investments
Topic: Treasury Index CD
Replies: 9
Views: 775

Treasury Index CD

I saw a bank offering an FDIC insured Treasury Index CD. It offers Treasury 3 month rate + 0.50%, reset every quarter. $25K minimum, you can add additional $$ in the first 30 days. https://www.amboydirect.com/home/personal/indexedcd/overview It seems like you're locking up your money for 2 years, bu...
by SlowMovingInvestor
Sat Oct 05, 2019 7:53 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1918
Views: 316193

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Has anyone checked whether the 'referral bonus' can be used by previous (but not current Schwab customers) ?
by SlowMovingInvestor
Fri Oct 04, 2019 7:38 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1918
Views: 316193

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 ... eward.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.
by SlowMovingInvestor
Thu Oct 03, 2019 7:01 pm
Forum: Investing - Theory, News & General
Topic: E-Trade joins the party $0 commission
Replies: 37
Views: 3318

Re: E-Trade joins the party $0 commission

Since Fidelity is a private company, they may feel less pressure to respond immediately, and can take their time to work out a response.

They may go for another class of account like iBroker did (which will likely require back end IT work to setup) rather than just drop rates to zerof ro everyone.
by SlowMovingInvestor
Thu Oct 03, 2019 5:36 pm
Forum: Investing - Theory, News & General
Topic: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades
Replies: 49
Views: 5103

Re: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades

Great news! I don't mind holding SPDR ETFs in my Lively HSA at TDA, but it's nice to have choice if I need to hold something else ever. Out of curiosity, how do these moves to $0 commissions affect the companies that had commission free deals with the brokerages (like State Street at TDA, iShares a...
by SlowMovingInvestor
Thu Oct 03, 2019 5:09 pm
Forum: Personal Investments
Topic: TD Ameritrade Screw Up.... what to do to make it right?
Replies: 12
Views: 1351

Re: TD Ameritrade Screw Up.... what to do to make it right?

Seems like TD made you whole pretty quickly, and provided you with some extra $$ too. I think they treated you fairly.

As for moving to YouInvest, it's a pretty bare bones brokerage. See other threads on YouInvest.
by SlowMovingInvestor
Thu Oct 03, 2019 11:01 am
Forum: Investing - Theory, News & General
Topic: If all brokerages charged zero commission for trades, which brokerage would you pick?
Replies: 75
Views: 6359

Re: If all brokerages charged zero commission for trades, which brokerage would you pick?

Incorrect, you don't have to book through Amex, you just move your points and then book direct with the hotel or airline. Keep in mind that the fee difference would be $350 in the instance described, but you have a $200 airline fee credit, $200 Uber credit, $100 Saks credit, Gold status at Hilton a...
by SlowMovingInvestor
Thu Oct 03, 2019 10:34 am
Forum: Investing - Theory, News & General
Topic: E-Trade joins the party $0 commission
Replies: 37
Views: 3318

Re: E-Trade joins the party $0 commission

My guess is these companies have had this gamed out for a long time. Witness TDA dropping commissions within hours of Schwab. Companies don't just blithely agree to take a $200 to $400 million quarterly hit to revenue within eight hours. So, the longer Fidelity goes without a move the more you can ...
by SlowMovingInvestor
Thu Oct 03, 2019 9:43 am
Forum: Investing - Theory, News & General
Topic: If all brokerages charged zero commission for trades, which brokerage would you pick?
Replies: 75
Views: 6359

Re: If all brokerages charged zero commission for trades, which brokerage would you pick?

Fidelity if they started offering bonuses. Etrade is good with bonuses, so I might go with them otherwise, or TDAM. Merrill Edge, I would keep 100K at least to get the highest status for credit cards. Have you looked into whether you might be interested in the Schwab Amex system after their changes...
by SlowMovingInvestor
Wed Oct 02, 2019 8:14 am
Forum: Investing - Theory, News & General
Topic: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades
Replies: 49
Views: 5103

Re: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades

Nothing is free.  They likely will sell orders to Citadel etc. to fill them. So you get worse fill. Obvious if you use market order but even if you use limit of the market is at your limit price and it doesn't fill you have to adjust limit unfavorably to get fill which still let's them skim. But th...
by SlowMovingInvestor
Tue Oct 01, 2019 7:24 pm
Forum: Investing - Theory, News & General
Topic: If all brokerages charged zero commission for trades, which brokerage would you pick?
Replies: 75
Views: 6359

Re: If all brokerages charged zero commission for trades, which brokerage would you pick?

Fidelity if they started offering bonuses.

Etrade is good with bonuses, so I might go with them otherwise, or TDAM.

Merrill Edge, I would keep 100K at least to get the highest status for credit cards.
by SlowMovingInvestor
Tue Oct 01, 2019 6:31 pm
Forum: Investing - Theory, News & General
Topic: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades
Replies: 49
Views: 5103

Re: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades

To be honest, I'm kind of unhappy because it may leave the brokerages with less $$ to offer for bonuses. Schwab and Fido hardly ever offer then anyway, but TDAM does and Etrade does.
by SlowMovingInvestor
Mon Sep 30, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 13
Views: 2272

Re: Chase Sapphire checking 1000$ offer

This deal says Eligible Accounts: personal checking, savings and/or J.P. Morgan investment accounts (You Invest Brokerage and accounts opened in a Chase branch and serviced by a J.P. Morgan Private Client Advisor or Financial Advisor). Not sure a self opened and managed YouInvest account counts. It...
by SlowMovingInvestor
Mon Sep 30, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 13
Views: 2272

Re: Chase Sapphire checking 1000$ offer

This deal says

Eligible Accounts: personal checking, savings and/or J.P. Morgan investment accounts (You Invest Brokerage and accounts opened in a Chase branch and serviced by a J.P. Morgan Private Client Advisor or Financial Advisor).

Not sure a self opened and managed YouInvest account counts.
by SlowMovingInvestor
Mon Sep 30, 2019 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4103
Views: 774127

Re: What's Your Credit Card Rewards Strategy?

If you signed up for a card with a bonus, met the terms and then they didn't pay out the bonus I would definitely be filing a complaint with the CFPB and bugging the hell out of them from all methods of communication. That would be fraud. If the T&C of an offer (Amex or other) say once in x months ...
by SlowMovingInvestor
Mon Sep 30, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4103
Views: 774127

Re: What's Your Credit Card Rewards Strategy?

Last week I was denied the bonus for the AmEx Hilton card w/130k bonus points. I have never had a Hilton card. I am only 3/24 under the Chase rules (doesn't really apply, I know) and have a 815 FICO. I was very surprised. Why? The box said I either had this bonus before ( I haven't) or I have had t...
by SlowMovingInvestor
Wed Sep 18, 2019 4:19 pm
Forum: Personal Investments
Topic: Fidelity Review
Replies: 15
Views: 1978

Re: Fidelity Review

I have a 'review' with my Fidelity 'advisor' scheduled this week. I'm self directed and not really interested in any paid advisory services he might try and sell me. OTOH, he has been helpful over minor customer service issues (and got me a bonus when I moved the account there -- this was when Fido...
by SlowMovingInvestor
Wed Sep 18, 2019 3:17 pm
Forum: Personal Investments
Topic: Fidelity Review
Replies: 15
Views: 1978

Fidelity Review

I have a 'review' with my Fidelity 'advisor' scheduled this week. I'm self directed and not really interested in any paid advisory services he might try and sell me. OTOH, he has been helpful over minor customer service issues (and got me a bonus when I moved the account there -- this was when Fido ...
by SlowMovingInvestor
Wed Sep 18, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4103
Views: 774127

Re: What's Your Credit Card Rewards Strategy?

Question about the Capital One Rewards program (which is now transferrable). Are the Rewards earned by different Capital One cards aggregated ? I have a business Capital One card with an Awards balance and I am wondering if I get a personal card with awards (such as the Venture) and cancel the busin...
by SlowMovingInvestor
Sat Sep 14, 2019 4:47 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1918
Views: 316193

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Also, remember that Fidelity is a private company (although it does release results). It may not feel the compulsion to raise assets under management that public companies do.

Fidelity has been having record years too. So whatever they're doing is working …
by SlowMovingInvestor
Sat Sep 14, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: Calling all iPhone SE Bogleheads
Replies: 61
Views: 4556

Re: Calling all iPhone SE Bogleheads

I have an SE, and definitely seeing problems with battery life now. I don't use it that much, but it seems to lose power in 8-10 hrs of light usage.

Other than that, I like it.
by SlowMovingInvestor
Tue Sep 10, 2019 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Lending to friend to India
Replies: 54
Views: 3661

Re: Lending to friend to India

If you register the loan as a contract in India, presumably you could enforce the contract in case of non-repayment ?

A US contract might not work since a US court might only be able to enforce a judgement on US assets.
by SlowMovingInvestor
Sat Sep 07, 2019 6:08 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1918
Views: 316193

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Not a bad Schwab bonus, https://www.schwab.com/public/schwab/nn/refer-prospect.html You do need a referral. A few years ago, I was told one bonus per lifetime, so if you got the easy $100 bonus before, you would not be eligible. The T&C for this offer don't mention that. In fact, they say The bonus...
by SlowMovingInvestor
Tue Aug 20, 2019 8:06 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1918
Views: 316193

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Is there any bonus if you move from Vanguard to FIDO? Fidelity has mostly gotten out of bonus game, except for large accounts. If you are transferring millions they might bite. And they seem to be once in a lifetime too, although they might make an exception for a really large account. I was thinki...
by SlowMovingInvestor
Tue Aug 20, 2019 7:31 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1918
Views: 316193

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

whodidntante wrote:
Tue Aug 20, 2019 7:20 pm
Bronco Billy wrote:
Tue Aug 20, 2019 7:12 pm
Is there any bonus if you move from Vanguard to FIDO?
Fidelity has mostly gotten out of bonus game, except for large accounts. If you are transferring millions they might bite.
And they seem to be once in a lifetime too, although they might make an exception for a really large account.
by SlowMovingInvestor
Tue Aug 20, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Fallen Tree clearing
Replies: 27
Views: 1785

Re: Fallen Tree clearing

An arborist in my area quoted me $450. I've used them before to trim live trees and the like, and they're good, but I suspect they are probably more skilled than really required for this job. Thanks for all the comments. I will check my HO and Umbrella policy. I can let the tree lay for a while, so...
by SlowMovingInvestor
Tue Aug 20, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Fallen Tree clearing
Replies: 27
Views: 1785

Re: Fallen Tree clearing

I have a large tall tree trunk that fell down on my property. Very likely an ash. It was dead, the branches already trimmed. Unless it was recently limbed, which I'm guessing is not the case since it just fell down which is indication that it is already starting the decaying process, it is almost c...
by SlowMovingInvestor
Mon Aug 19, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: Fallen Tree clearing
Replies: 27
Views: 1785

Re: Fallen Tree clearing

What kind of tree? On a broad level, if it's an evergreen, it's junk and no....nobody's going to want it for firewood. If it had leaves, it's likely fine as firewood and you may find someone who will take it. Very likely an ash. It was dead, the branches already trimmed. No Emerald Ash Borer or the...