Search found 746 matches

by SlowMovingInvestor
Sat Aug 18, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1141
Views: 195973

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

So i recently did the reverse (Vanguard MFs from ME to VG), and the fractional MF shares were sold at Merill. Very small amounts, but I'm not sure who was responsible for the sale -- i.e. did VG refuse to accept fractionals so ME sold them, or is it the case that ME is unable to send fractionals. I...
by SlowMovingInvestor
Sat Aug 18, 2018 9:48 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1141
Views: 195973

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

For those who transferred Vanguard Admiral to Merrill Edge: Did fractional shares transfer? Will they let you buy more? Are dividends re-invested in the same Vanguard fund? Thank you Fractional shares do transfer for all MFs (including Admiral). I didn't ask about buying more or reinvesting dividen...
by SlowMovingInvestor
Sat Aug 18, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1141
Views: 195973

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

NavyIC3 wrote:
Sat Aug 18, 2018 8:15 am
Fidelity offers free trades for a transfer but that's only good if you trade often. Has anyone negotiated a cash bonus from Fidelity?
At $1M plus, you should be able to get bonuses begining around $2500. Whether advertised or not.
by SlowMovingInvestor
Sat Aug 18, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Good/Cheap Glucose Monitoring System.
Replies: 14
Views: 979

Re: Good/Cheap Glucose Monitoring System.

So a follow up to this -- I bought the cheapest device: Reli-on + 25 strips for around $15 at Wal Mart. However, the numbers are way off. I compared with my old meter, which still had a few strips, and with the results of my last physical. It's off by 35% or so. I did say before that I don't need th...
by SlowMovingInvestor
Fri Aug 17, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Replacing S&P 500 and Small/Mid Cap Fund with Total Stock Market
Replies: 7
Views: 697

Re: Replacing S&P 500 and Small/Mid Cap Fund with Total Stock Market

UpperNwGuy wrote:
Fri Aug 17, 2018 3:55 pm
Why are you doing this?
1) To get some cash in a tax deferred account to buy bonds.
2) To get rid of MFs in the tax deferred account, so I can move it easily to another firm (mutual fund's can move, but making sales or purchases later can run up fees)
by SlowMovingInvestor
Fri Aug 17, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Replacing S&P 500 and Small/Mid Cap Fund with Total Stock Market
Replies: 7
Views: 697

Re: Replacing S&P 500 and Small/Mid Cap Fund with Total Stock Market

I would not sell a taxable gain to make this swap. What is current allocation? The gains are not taxable. Current Allocation (according to Quicken, which occasionally mis-assigns) is around Large Cap 39% Small Cap 24% International 25% Bonds 10% I do think I'm overinvested in Interational, and unde...
by SlowMovingInvestor
Fri Aug 17, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: Is President Jimmy Carter a Boglehead?
Replies: 22
Views: 1660

Re: Is President Jimmy Carter a Boglehead?

Carter doesn’t even have federal retirement health benefits because he worked for the government for four years — less than the five years needed to qualify, according to the GSA. He says he receives health benefits through Emory University, where he has taught for 36 years." He was in the navy > 4...
by SlowMovingInvestor
Fri Aug 17, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Replacing S&P 500 and Small/Mid Cap Fund with Total Stock Market
Replies: 7
Views: 697

Replacing S&P 500 and Small/Mid Cap Fund with Total Stock Market

I need to rebalance some MF holdings between taxable and non-taxable and betwen 2-3 brokerages while keeping the same AA. Here are 2 funds I want to sell FUSVX (Fidelity S&P 500 Index Fund) FSEVX (Fidelity Extended Market Index Fund) --- this follows the ' Dow Jones U.S. Completion Total Stock Marke...
by SlowMovingInvestor
Thu Aug 16, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Quant / Financial Technology Job Opportunities / companies in New York City
Replies: 20
Views: 981

Re: Quant / Financial Technology Job Opportunities / companies in New York City

I don't have any contacts to vouch for it, but Bloomberg also seems like a decent destination. It takes a certain kind of place to produce an OCaml-to-JavaScript tool . It dependes on what the graduate is looking for. The other firms mentioned previously are essentially trading/quant firms or compa...
by SlowMovingInvestor
Thu Aug 16, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1141
Views: 195973

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

That is a big bonus for $100k. I'm contemplating it, but hate splitting up my accounts all over the place. I guess I can split them to get the best bonus for each (I have a tIRA, Roth IRA and taxable account) and then move them all to a brokerage for a bonus later. It sounds like you'll get calls f...
by SlowMovingInvestor
Thu Aug 16, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1141
Views: 195973

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Earl Lemongrab wrote:
Thu Aug 16, 2018 7:51 pm
Are you sure about the physical visit? Where did you see that? If you can't set it up online then I wouldn't be interested.
I'm sure you can set the bank account up online. I think setting up a securities account does require a visit to a branch.
by SlowMovingInvestor
Thu Aug 16, 2018 7:46 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1141
Views: 195973

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

HSBC has a $750 bonus on $100k for 90 days. Investments count even though you know HSBC as a bank. The account requires you to maintain 100k or you are charged a $50/mo fee. https://www.us.hsbc.com/checking-accounts/campaigns/premier-offer-2018/ Every penny I have is currently earning me a bonus so...
by SlowMovingInvestor
Thu Aug 16, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Barclay Card with American Airlines
Replies: 7
Views: 322

Re: Barclay Card with American Airlines

You can definitely get the signup bonus, and my recollection is that there isn't even a real spending requirement (just use once).

And you get the 10% discount on mileage too (but only once, even if you hold Citi).
by SlowMovingInvestor
Thu Aug 16, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Marriott Free Certificate
Replies: 11
Views: 1418

Re: Marriott Free Certificate

Your cert should convert to a new cat 1-5 certificate, which is up to 35,000 points and will include a lot more hotels, including in places like NYC that were previously out of reach for the cert. I would absolutely wait. I'm a little confused -- I thought it was converting to cat 1-4 cert ? Also, ...
by SlowMovingInvestor
Wed Aug 15, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Negative Insurance Discount with United Health Care and Sentara
Replies: 39
Views: 1807

Re: Negative Insurance Discount with United Health Care and Sentara

Also, is TB screening covered under the ACA ? If covered, it should be free.
by SlowMovingInvestor
Wed Aug 15, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Negative Insurance Discount with United Health Care and Sentara
Replies: 39
Views: 1807

Re: Negative Insurance Discount with United Health Care and Sentara

What's a negative discount? Normally, the contracted amount between the insurance company and the provider is less than the sticker price. That has been the case with every other procedure I have ever had. In this case however, supposedly, the contracted amount is double the sticker price. So inste...
by SlowMovingInvestor
Wed Aug 15, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Marriott Free Certificate
Replies: 11
Views: 1418

Re: Marriott Free Certificate

Luke Duke wrote:
Wed Aug 15, 2018 1:32 pm
You can see what category all hotels will be in after the merger.
https://points-redemption.marriott.com/category-change
But you can't use a Free Cert in Starwood hotels until after Aug 18th, right ?
by SlowMovingInvestor
Wed Aug 15, 2018 6:41 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1141
Views: 195973

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Afterwards, my thought was that the one-time earnings of 0.25% This is the wrong way to think of it. It's not earnings on your assets, it's reward for the effort you put in. How long did spend doing it? Hour maybe? Pretty good hourly rate. Also, tax deferrment for IRA bonuses and never taxation for...
by SlowMovingInvestor
Tue Aug 14, 2018 7:07 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1141
Views: 195973

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I contacted another Schwab office about possible promos/bonuses. Was told that the only thing they had right now was 500 free trades or some golf related bonuses. Neither interesting to me :)
by SlowMovingInvestor
Tue Aug 14, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 67
Views: 5812

Re: Changing Car Cabin Air Filter - after how much time

I had what looked like a critter nest (likely a squirrel) in my cabin air filter once. So one should check from time to time :)
by SlowMovingInvestor
Mon Aug 13, 2018 8:51 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1141
Views: 195973

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

For those who transferred Vanguard Admiral to Merrill Edge: Did fractional shares transfer? Will they let you buy more? Are dividends re-invested in the same Vanguard fund? Thank you Fractional shares do transfer for all MFs (including Admiral). I didn't ask about buying more or reinvesting dividen...
by SlowMovingInvestor
Mon Aug 13, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Using Uber Without A Cellular Data Connection
Replies: 25
Views: 2425

Re: Using Uber Without A Cellular Data Connection

We’ll be in Amsterdam in a couple of weeks and want to take Uber from the airport to our hotel in the downtown area. I believe the airport has free WiFi but am concerned that if there’s a problem it will be difficult to contact the driver. Has anyone dealt with this before? Can you get a local data...
by SlowMovingInvestor
Mon Aug 13, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Marriott Free Certificate
Replies: 11
Views: 1418

Re: Marriott Free Certificate

If you have a Category 1-5 Marriott property in mind I'd book in now. You can always cancel with 72 hours of arrival and get the certificate back. If your stay is after 8/21 you can effectively redo your redemption without penalty based on info available on 8/18. Is this 72 hr for all hotels, or do...
by SlowMovingInvestor
Mon Aug 13, 2018 8:41 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1141
Views: 195973

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I recollect there was some discussion of a PNC bonus a while back, but it seems to have expired. I know there are people who hold funds at Chase, and get private Client Status from that. I have $500-1M in IRA that is free to move, and would be interested in hearing about bonuses from 'non conventio...
by SlowMovingInvestor
Mon Aug 13, 2018 1:20 am
Forum: Personal Consumer Issues
Topic: Marriott Free Certificate
Replies: 11
Views: 1418

Marriott Free Certificate

I have a Marriott Free Night Certificate (upto Cat 5) from a Marriott Rewards card. I'm planning to do a booking and I'm trying to figure out whether it makes sense to wait till August 18th to do the booking. From what I understand, old free Night certificates are converted to points, but the catego...
by SlowMovingInvestor
Mon Aug 13, 2018 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard updated 1099 in August!
Replies: 28
Views: 1975

Re: Vanguard updated 1099 in August!

It is the taxpayer's responsibility to ensure they have all the tax forms and that they are correct (as far as they can tell). Don't you do a cursory comparison between the dividends, interest, capital gains they receive each year and what the tax forms report? Then if the tax forms are wrong, you ...
by SlowMovingInvestor
Mon Aug 13, 2018 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 55
Views: 7113

Re: Moving from Vanguard to Fidelity

On the money market funds I actually find Fidelity the best in my situation - they have a NY Muni AMT-Free MM fund that charges 0.30%, Vanguard only charges 0.16% but it isn't AMT-Free. I combine the Fidelity MM with 4 week auto-roll treasuries for any cash balance at Fidelity. I effectively use th...
by SlowMovingInvestor
Mon Aug 13, 2018 12:16 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 55
Views: 7113

Re: Moving from Vanguard to Fidelity

I'm not sure why people keep saying you can't have Admiral shares at Fidelity. I've not tried to transfer any in, but we just added a Vanguard Admiral fund to our workplace 401k that has been with Fidelity for years. I keep saying it because I was explicitly told that 7-8 months back by my rep (who...
by SlowMovingInvestor
Mon Aug 13, 2018 12:12 am
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 95
Views: 9748

Re: AAPL, AMZN, or GOOG?

Amazon is killing much of retail but remember how competitive retail is. When I started my career in the early 1980's, Sears was the number one retailer. Now they are disappearing faster than a snowball in Hades. Something will come along that will challenge Amazon. The thing that struck me about A...
by SlowMovingInvestor
Sun Aug 12, 2018 10:33 pm
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 95
Views: 9748

Re: AAPL, AMZN, or GOOG?

LiveSimple wrote:
Sun Aug 12, 2018 10:19 pm
If you have to invest in these stocks, see technology sector, VGT
VGT doesn't include AMZN. QQQ does, though.
by SlowMovingInvestor
Sun Aug 12, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: How do billionaires reduce taxes?
Replies: 7
Views: 1118

Re: How do billionaires reduce taxes?

I don't think this is actionable :)
by SlowMovingInvestor
Sun Aug 12, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1141
Views: 195973

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I recollect there was some discussion of a PNC bonus a while back, but it seems to have expired. I know there are people who hold funds at Chase, and get private Client Status from that. I have $500-1M in IRA that is free to move, and would be interested in hearing about bonuses from 'non convention...
by SlowMovingInvestor
Sat Aug 11, 2018 1:42 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7574

Re: Anyone noticing Vanguard website changes today Saturday August 11

I see some changes too, but it's possible they were only for a subset of the users. Pretty standard in IT deployment.
by SlowMovingInvestor
Sat Aug 11, 2018 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 55
Views: 7113

Re: Moving from Vanguard to Fidelity

I am surprised that Fidelity no longer accepts VGI Admiral class shares in kind. I did several partial taxable account transfers years ago with Vanguard Admiral class shares (both index and active) to Fidelity and had no problems. Regardless of what the web site shows, you may want to call and ask....
by SlowMovingInvestor
Sat Aug 11, 2018 4:37 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 55
Views: 7113

Re: Moving from Vanguard to Fidelity

Not sure about Fidelity, but I did a transfer to Schwab last year. As long as I do not buy, I am able to sell old mutual funds at no charge. If Fidelity will do the same, it is not necessary to convert to ETF. Fidelity willl NOT accept VG Admiral Funds. I think their web site will even warn you if ...
by SlowMovingInvestor
Fri Aug 10, 2018 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 55
Views: 7113

Re: Moving from Vanguard to Fidelity

After years of barely adequate (and sometimes poor) customer support performance from Vanguard I'm thinking of making the switch to Fidelity. If I make the switch I will want to move all my investments. But I have very large gains in one fund (VTSAX). After doing some research it appears that I can...
by SlowMovingInvestor
Fri Aug 10, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: 1024.99 for a book. Why?
Replies: 21
Views: 3286

Re: 1024.99 for a book. Why?

When a marketplace seller sells through Amazon, who incurs the chargeback risk ? is it Amazon or is it the seller, or does it depend on the specific marketplace services that the seller chooses ? I suspect that if Amazon itself were losing money from these transactions, they would clamp down on them...
by SlowMovingInvestor
Fri Aug 10, 2018 6:06 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1141
Views: 195973

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Reposting my question for the new page: When a brokerage matches another brokerage's bonus offer, do they also match the time-to-hold limits? For example, if ME requires you to hold the money there for 3 months, but TDA requires one year, would TDA: A) match ME's bonus along with the 3 month timefr...
by SlowMovingInvestor
Thu Aug 09, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: 1024.99 for a book. Why?
Replies: 21
Views: 3286

Re: 1024.99 for a book. Why?

Any similar issues on Ebay ? I was looking at some selling some books and comics I have via Ebay, and some of the reported sales prices (especially for comics) strike me as strange. Not as insane as this $1024.99 price on Amazon, and possibly mildly understandable for comics since comics quality is ...
by SlowMovingInvestor
Thu Aug 09, 2018 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: 1024.99 for a book. Why?
Replies: 21
Views: 3286

Re: 1024.99 for a book. Why?

Not familiar with how Amazon referral works, but could this pricing somehow be used to make $$s with that ?
by SlowMovingInvestor
Thu Aug 09, 2018 7:27 pm
Forum: Investing - Theory, News & General
Topic: Illiquidiity scenarios for Mutual Funds/ETFs
Replies: 21
Views: 1153

Re: Illiquidiity scenarios for Mutual Funds/ETFs

In-Kind Redemptions and Mutual Fund Investments : https://www.thebalance.com/in-kind-redemptions-and-your-mutual-fund-investments-357956 SEC rule 22e-4 " Investment Company Liquidity Risk Management Programs " https://www.sec.gov/rules/final/2016/33-10233.pdf Interesting Vanguard comment: https://p...
by SlowMovingInvestor
Thu Aug 09, 2018 7:02 pm
Forum: Investing - Theory, News & General
Topic: Fidelity announced 10-for-1 fund splits in certain mutual funds
Replies: 18
Views: 3944

Re: Fidelity announced 10-for-1 fund splits in certain mutual funds

I remember back in 1999-2000 or so, Janus was touting a new fund with copy like this: 'Buy shares of Fund X during the initial subscription period for only $10 !' [ The initial subscription period was when the fund would gather assets, prior to doing any purchases] When I saw one of these ads, my of...
by SlowMovingInvestor
Thu Aug 09, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1141
Views: 195973

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

ME doesn't have any public offers above $200K. So one has to ask a rep for offers above that, I presume ? What are the offers at each level ? I'm guessing 2500 for $1 M - $5M. That's below Fido, which is offering $3.5 at the $2.5M rule.
by SlowMovingInvestor
Thu Aug 09, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: Illiquidiity scenarios for Mutual Funds/ETFs
Replies: 21
Views: 1153

Re: Illquidiity scenarios for Mutual Funds/ETFs

I am more concerned about a scenario where NAV diverges significantly from market value and there is no way to sell at NAV for months, even years. The ETF becomes more like a closed end fund then. The question is whether there is some advantage to being in an MF in such a situation, or would the MF...
by SlowMovingInvestor
Thu Aug 09, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1141
Views: 195973

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

yougotitdude wrote:
Thu Aug 09, 2018 1:29 pm
I just spoke with a rep from Merrill Edge. He said the maximum anyone can get is $2,500 (unless it's over $5 million) per account owner across all accounts. Is that right? Anyone gotten more?
You mean $2500 on a lifetime basis ? Or $2500 for a single transfer ?
by SlowMovingInvestor
Thu Aug 09, 2018 2:37 pm
Forum: Investing - Theory, News & General
Topic: Illiquidiity scenarios for Mutual Funds/ETFs
Replies: 21
Views: 1153

Re: Illiquidiity scenarios for Mutual Funds/ETFs

I should point out that ETFs can sell their underlying securities like a mutual fund, and a mutual fund can do the creation unit trick like ETFs. It is not their normal business processes but if things get sticky it is a option. Both happened during the 2008 liquidity crisis. I think a mutual fund ...
by SlowMovingInvestor
Thu Aug 09, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: Illiquidiity scenarios for Mutual Funds/ETFs
Replies: 21
Views: 1153

Re: Illquidiity scenarios for Mutual Funds/ETFs

There have been liquidity problems with Vanguard ETFs. All you have to do is research "flash crash" and you will get to read about the problems. A flash crash is a short-term lack of liquidity that happens intra-day. They can be very profitable for folks who can buy during those times. I'm not too ...
by SlowMovingInvestor
Thu Aug 09, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Selling old car with Airbag light on
Replies: 9
Views: 715

Re: Selling old car with Airbag light on

A more general question about selling an old car.

Where should one post if wanting to target University students (the proverbial starving grad student) ? Craigslist ? Or maybe university specific boards ?
by SlowMovingInvestor
Thu Aug 09, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: Illiquidiity scenarios for Mutual Funds/ETFs
Replies: 21
Views: 1153

Illiquidiity scenarios for Mutual Funds/ETFs

I was thinking of converting some Vanguard Mutual Funds to ETFs, and I was wondering about whether there might be a difference in bad case scenarios when the underlying holdings become really illiquid. MFs are required to redeem daily. I know of one case (Third Avenue Focused Credit Fund) which was ...
by SlowMovingInvestor
Wed Aug 08, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Selling old car with Airbag light on
Replies: 9
Views: 715

Re: Selling old car with Airbag light on

If it were me, I would just junk the car. If someone buys the car, and gets into an accident where the air bag does not deploy, how are you going to feel? Would an ambulance chaser come after you? I drive the car myself on occasion, and have done so for years, so it wouldn't bother me in the least ...