Search found 955 matches

by SlowMovingInvestor
Wed Jan 16, 2019 11:37 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1434
Views: 236746

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I signed up for the $1000 Edge offer in both IRA and individual, then initiated transfers from two TDA accounts over the weekend. The transfer requests hit TDA today, and by the afternoon I had a voicemail from a local TDA rep. Got their attention! Full or partial transfers ? I'm guessing they'll m...
by SlowMovingInvestor
Wed Jan 16, 2019 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Variable annuity, a success story?
Replies: 42
Views: 1951

Re: Variable annuity, a success story?

How does one evaluate a variable annuity ? I'm serious here -- I consider myself moderately financially wary, but I couldnt begin to evaluate whether a variable annuity is a good deal or not. What do insurance companies actually buy on the back end with the invested money, and could a retail invest...
by SlowMovingInvestor
Wed Jan 16, 2019 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Variable annuity, a success story?
Replies: 42
Views: 1951

Re: Variable annuity, a success story?

I know the board hates variable annuities, but I wanted to post a potential success story my father just had. In 2010 he purchased a Prudential Premier Retirement L Series with Highest Daily Lifetime 6 Plus rider. The beginning purchase price was $50k (no load was charged). The annuity rider guaran...
by SlowMovingInvestor
Tue Jan 15, 2019 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 92
Views: 10318

Re: You Invest by JP Morgan Chase

Poking around You Invest, it seems like even the brokered CDs offered are actually traded CDs (i.e. they are not CDs being offered directly by the issuers), and have a commission to trade. And the site layout is really clumsy. Frankly, I think I'll just put my money in a money market fund for the du...
by SlowMovingInvestor
Tue Jan 15, 2019 8:27 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1434
Views: 236746

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

For the Chase Sapphire offer: https://accounts.chase.com/consumer/banking/online/sapphireUR It's a checking account so how does that work if you want to move securities in? Does it come linked with a brokerage account? Anyone know the answer to my question? I guess you just also open a YouInvest ac...
by SlowMovingInvestor
Mon Jan 14, 2019 6:12 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1434
Views: 236746

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I already have an existing CMA at Merill, so don't want to add a new account just for logistical reasons (new 1099s etc.). is there any way to get the $900 offer added to an existing account ? [ I wouldn't even try to the add the $1000 offer since I didn't attend the Expo] This is my question as we...
by SlowMovingInvestor
Mon Jan 14, 2019 7:56 am
Forum: Investing - Theory, News & General
Topic: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund
Replies: 31
Views: 3489

Re: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund

Could a risk be that they have zero fees now but may end up raising the fee later? I don’t think anyone on here can envision Vanguard raising the ER on a broad market index fund. I also don’t think anyone on here would be surprised if Fidelity did so. Can Fidelity really raise the fee without a sha...
by SlowMovingInvestor
Sun Jan 13, 2019 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 92
Views: 10318

Re: You Invest by JP Morgan Chase

Questions for anyone with an active You Invest account 1) if you transferred securities in, did cost basis transfer properly ? 2) If youve done any sales, does You Invest allow specific lot sales ? One would assume so, since this is very basic, but just wanted to be sure. 3) Does the website have a...
by SlowMovingInvestor
Sat Jan 12, 2019 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity problems and what is substantially similar
Replies: 24
Views: 3112

Re: Fidelity Problems

Not the four in one fund, but the newer fidelity zero fee total us index and total international index funds in the IRA (the reinvestments) created wash sale problems for the total us index and total international index vanguard funds in taxable account (the TLH sales). I assume the vanguard funds ...
by SlowMovingInvestor
Sat Jan 12, 2019 2:24 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1434
Views: 236746

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Does anyone know if I can link the CYI to my Chase checking account? Yes, it's linked. Not sure how long transfers take though. I'm guessing 1 business day ? Tnx. Transfers between other Chase accounts take place immediately but I am not in a hurry. I think the YouInvest account is a sweep style ac...
by SlowMovingInvestor
Sat Jan 12, 2019 2:01 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1434
Views: 236746

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

dual wrote:
Sat Jan 12, 2019 1:22 pm
Does anyone know if I can link the CYI to my Chase checking account?
Yes, it's linked. Not sure how long transfers take though. I'm guessing 1 business day ?
by SlowMovingInvestor
Sat Jan 12, 2019 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 92
Views: 10318

Re: You Invest by JP Morgan Chase

Questions for anyone with an active You Invest account 1) if you transferred securities in, did cost basis transfer properly ? 2) If youve done any sales, does You Invest allow specific lot sales ? One would assume so, since this is very basic, but just wanted to be sure. 3) Does the website have al...
by SlowMovingInvestor
Sat Jan 12, 2019 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Rollover - why checks instead of wiring funds?
Replies: 35
Views: 1421

Re: Rollover - why checks instead of wiring funds?

If you end up getting a check, keep in mind that at some dollar amount it’s worth using an overnight courier to deliver it to its destination. Or if you have a local office of the receiving firm (Fidelity, Schwab etc.), dropping it off there. It will still need to go their central processing locati...
by SlowMovingInvestor
Sat Jan 12, 2019 10:56 am
Forum: Investing - Help with Personal Investments
Topic: E-Trade or Charles Schwab
Replies: 14
Views: 655

Re: E-Trade or Charles Schwab

I'd go with Etrade. Larger free ETF/MF selection (Vanguard + iShares + some Schwab).
by SlowMovingInvestor
Sat Jan 12, 2019 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Rollover - why checks instead of wiring funds?
Replies: 35
Views: 1421

Re: Rollover - why checks instead of wiring funds?

Because they can. Who gets the float while funds are in transit? Does the custodian really collect the float, if there is any ? It's a certified check,right, so the bank gets the float ? FWIW, Fidelity will transfer 401k funds to a local IRA account in 1 day (with no time out of market). Then you c...
by SlowMovingInvestor
Sat Jan 12, 2019 9:31 am
Forum: Investing - Theory, News & General
Topic: PG&E Bonds
Replies: 49
Views: 4949

Re: PG&E Bonds

The credit spreads are wide between investment grade BBB bonds and BB junk bonds, while the default rates are about the same. There are no rational reasons for the huge spread. The reasons are structurally. Once S&P or Moody's waves it magic wand lots of institutional owners have to dump their hold...
by SlowMovingInvestor
Sat Jan 12, 2019 8:23 am
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 92
Views: 10318

Re: You Invest by JP Morgan Chase

How is this better than BoA Platinum Preferred ? I was debating this in my mind, so love to know your thoughts on this. That's not bad at all -- just for keeping $75K of ETFs with them. Actually better than BoA Platinum Preferred in some ways (although Merill Edge has better brokerage facilities). ...
by SlowMovingInvestor
Sat Jan 12, 2019 7:44 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1434
Views: 236746

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Yes, that can do that in the existing account - that's is what they are doing for me when I called them...I am getting $500 to move 100K in my existing CMA account and they will waive any initial purchase fees of Vanguard MF....hope this helps I already have an existing CMA at Merill, so don't want...
by SlowMovingInvestor
Fri Jan 11, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Dental work - possibly going elsewhere
Replies: 17
Views: 1277

Re: Dental work - possibly going elsewhere

These days x-rays are often digital, so it should be easy to ask the dentist's aides to put them on a USB drive and take them to another office.
by SlowMovingInvestor
Fri Jan 11, 2019 10:01 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1434
Views: 236746

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I already have an existing CMA at Merill, so don't want to add a new account just for logistical reasons (new 1099s etc.). is there any way to get the $900 offer added to an existing account ? [ I wouldn't even try to the add the $1000 offer since I didn't attend the Expo] FWIW - I know from person...
by SlowMovingInvestor
Fri Jan 11, 2019 7:37 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1434
Views: 236746

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

For an IRA, are there any better offers at the $50K+ level than the $225 from ME? https://www.merrilledge.com/offers/900offer Since this one includes additions to existing accounts, I thought I would ask Schwab to match and just add to my current account there, if they will do so. Compare these two...
by SlowMovingInvestor
Fri Jan 11, 2019 7:19 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1434
Views: 236746

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

New bonus alert. $200 for 25k at Chase You Invest. https://accounts.chase.com/youinvest/trade/offer?jp_cmp=rb/Chase_Brand_Exact_You+Invest_SEM_US_No+xLOB_Standard_NA/sea/p38425640377/You+Invest I think I prefer the 60K Ultimate Rewards Sapphire account bonus -- with You Invest. Needs 75K, but easy ...
by SlowMovingInvestor
Thu Jan 10, 2019 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Combining multiple accounts -which brokerage?
Replies: 4
Views: 296

Re: Combining multiple accounts -which brokerage?

All of these brokerages have their pluses and minuses. I would go with Fidelity (zero fee HSAs, excellent custome service, large collection of no-fee ETFs) too. Etrade would be my 2nd choice.

You should see which is willing to offer you the bigger bonus.
by SlowMovingInvestor
Wed Jan 09, 2019 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5017

Re: Diagnosing Knee Problems over the Phone - Medicare

Just because an office agrees to see medicare doesn't mean they have to see all medicare. Most offices limit the amount of medicare or medicaid (if they are willing at all) based on being profitable. Why would anyone running a for profit see more of a less profitable segment of the population then ...
by SlowMovingInvestor
Wed Jan 09, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5017

Re: Diagnosing Knee Problems over the Phone - Medicare

Just because an office agrees to see medicare doesn't mean they have to see all medicare. Most offices limit the amount of medicare or medicaid (if they are willing at all) based on being profitable. Why would anyone running a for profit see more of a less profitable segment of the population then ...
by SlowMovingInvestor
Wed Jan 09, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance informs me after procedure that they won't cover all of it
Replies: 20
Views: 1586

Re: Health insurance informs me after procedure that they won't cover all of it

Mac means an anesthesia provider (likely a crna) was present and administered sedation during your procedure. Sedation is required for these procedures and not an elective service. If it's not an elective service, why is the insurance company not covering it ? I know no one likes insurance companie...
by SlowMovingInvestor
Tue Jan 08, 2019 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Brokerage Tax Information and Estimated Taxes
Replies: 9
Views: 770

Re: Brokerage Tax Information and Estimated Taxes

One more question -- was there any change in the Tax law in the 2018 (under the new tax act) that would mpact QDI/non QDI breakup for mutual funds/ETFs ? I assume not, but wanted to make sure.
by SlowMovingInvestor
Mon Jan 07, 2019 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 92
Views: 10318

Re: You Invest by JP Morgan Chase

Can you get the Chase Sapphire banking bonus even if you open a new account rather than upgrade an existing account ? I have Chase Checking and a Chase Freedom card, but my checking account is joint with my spouse. I would prefer to keep my YouInvest account individual (for tax reasons) and I don't ...
by SlowMovingInvestor
Sun Jan 06, 2019 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 92
Views: 10318

Re: You Invest by JP Morgan Chase

Does anyone know if You Invest has CD's??? Yes they have brokered CDs, Treasuries, Municipals and Vanguard Prime Money Market along with many other money market funds. All can be traded online, without needing human interaction. Do they allow you to buy Treasuries at auction without commission ? Ho...
by SlowMovingInvestor
Sun Jan 06, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Brokerage Tax Information and Estimated Taxes
Replies: 9
Views: 770

Re: Brokerage Tax Information and Estimated Taxes

Did you look in 'Income Summary Detail' section in your TDAM statement ?
by SlowMovingInvestor
Sun Jan 06, 2019 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Brokerage Tax Information and Estimated Taxes
Replies: 9
Views: 770

Re: Brokerage Tax Information and Estimated Taxes

Other ETF sponsors show the breakdown and this is used in the triceratops tax efficiency thread. If TDAmeritrade has it for 2018, then I will be surprised (let me go look at my account), I see it for 2017, but all brokers give one a 1099-DIV, so that's nothing new. I don't see one for 2018. Fidelit...
by SlowMovingInvestor
Sun Jan 06, 2019 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America Premium Rewards Airline Fee Credit
Replies: 14
Views: 1312

Re: Bank of America Premium Rewards Airline Fee Credit

Assuming that you have Platinum Honors status, I would feel very confident calling in to get the credit applied for 2018. BofA has always been willing to bend over backwards to comply with my wishes. If not, all bets are off. Yes, I am Platinum Honors. Also plan to run up estimated tax payments on ...
by SlowMovingInvestor
Sat Jan 05, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America Premium Rewards Airline Fee Credit
Replies: 14
Views: 1312

Re: Bank of America Premium Rewards Airline Fee Credit

After it posts, you can check your counter in the app or website to see if it says $100 available or $0. But just remember that it may not officially qualify in the first place. Getting it for 2019 is better than not getting it at all and not worth the risk of killing it for everyone else. I don't ...
by SlowMovingInvestor
Sat Jan 05, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage Tax Information and Estimated Taxes
Replies: 9
Views: 770

Re: Brokerage Tax Information and Estimated Taxes

I look at my last year's tax return for starters. That's because my taxable positions are pretty much the same, so the percentage of qualified dividends is going to be about the same. I can run a report in MS Money showing me all the distributions from my taxable accounts and it confirms: Same as l...
by SlowMovingInvestor
Sat Jan 05, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America Premium Rewards Airline Fee Credit
Replies: 14
Views: 1312

Re: Bank of America Premium Rewards Airline Fee Credit

Assuming that you have Platinum Honors status, I would feel very confident calling in to get the credit applied for 2018. BofA has always been willing to bend over backwards to comply with my wishes. If not, all bets are off. Yes, I am Platinum Honors. Also plan to run up estimated tax payments on ...
by SlowMovingInvestor
Sat Jan 05, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage Tax Information and Estimated Taxes
Replies: 9
Views: 770

Brokerage Tax Information and Estimated Taxes

I'm estimating my tax payment for q4 2018. Vanguard funds distributed a large sum in capital gains distributions,, so some taxes are due. I have several online brokerage accounts (including VG). Unfortunately, while almost all give an estimate of income, they just show dividends without indicating h...
by SlowMovingInvestor
Sat Jan 05, 2019 8:26 am
Forum: Investing - Theory, News & General
Topic: Please comment on FUMBX (Fidelity short-term treasury index)
Replies: 8
Views: 737

Re: Please comment on FUMBX (Fidelity short-term treasury index)

Not to hijack the thread, but I was thinking of FUMBX as well.

Does it make sense to use FUMBX instead of a Treasury ladder of short term Treasuries ?
by SlowMovingInvestor
Fri Jan 04, 2019 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Purepoint Financial offers 1.9%
Replies: 11
Views: 1282

Re: Purepoint Financial offers 1.9%

FYSA, Purepoint just raised their savings to 2.35%. Also FYI, Purepoint usually gives you interest credit on the same day you initiate the ACH transfer if you do it early enough, so you don't have to consider lost days of interest for transfers. I was indeed wondering whether to consider other onli...
by SlowMovingInvestor
Fri Jan 04, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3172
Views: 615425

Re: What's Your Credit Card Rewards Strategy?

I currently get 2.25% on BoA Premium rewards as I am Platinum Honors. I see that https://www.pay1040.com/ charges 1.87% for making Federal Tax payments. I actually have a fairly significant estimated tax payment to make because of Vanguard distributions :( It seems like I can get .38% (2.25 - 1.87)...
by SlowMovingInvestor
Fri Jan 04, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3172
Views: 615425

Re: What's Your Credit Card Rewards Strategy?

I currently get 2.25% on BoA Premium rewards as I am Platinum Honors. I see that https://www.pay1040.com/ charges 1.87% for making Federal Tax payments. I actually have a fairly significant estimated tax payment to make because of Vanguard distributions :( It seems like I can get .38% (2.25 - 1.87) ...
by SlowMovingInvestor
Fri Jan 04, 2019 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America Premium Rewards Airline Fee Credit
Replies: 14
Views: 1312

Re: Bank of America Premium Rewards Airline Fee Credit

I just received a new BoA Premium Rewards card. I've activated it, but can't see it online yet. I wanted to make use of the Airline Fee Credit of $100 for this year. Do I need to specify that the credit is with a particular airline (I do need to do that for Amex credit) or can I simply charge the a...
by SlowMovingInvestor
Fri Jan 04, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Visa on Arrival Hanoi Vietnam
Replies: 6
Views: 791

Re: Visa on Arrival Hanoi Vietnam

If you don't mind answering, did you get one of the Cathay Pacific mistake fares ?
by SlowMovingInvestor
Thu Jan 03, 2019 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 378
Views: 51844

Re: Fidelity free Turbotax

I'm Fidelity private client, and I tried this for the first time today. I do see a link on the 'All Accounts' --> 'Summary' page, but when I click on it, Turbo tax takes me to a web page that says ' We cannot find the page you requested.'. Do I need to contact Fidelity about this ? Try it again. I ...
by SlowMovingInvestor
Wed Jan 02, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 378
Views: 51844

Re: Fidelity free Turbotax

I'm Fidelity private client, and I tried this for the first time today.

I do see a link on the 'All Accounts' --> 'Summary' page, but when I click on it, Turbo tax takes me to a web page that says ' We cannot find the page you requested.'. Do I need to contact Fidelity about this ?
by SlowMovingInvestor
Mon Dec 31, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America Premium Rewards Airline Fee Credit
Replies: 14
Views: 1312

Bank of America Premium Rewards Airline Fee Credit

I just received a new BoA Premium Rewards card. I've activated it, but can't see it online yet. I wanted to make use of the Airline Fee Credit of $100 for this year. Do I need to specify that the credit is with a particular airline (I do need to do that for Amex credit) or can I simply charge the ai...
by SlowMovingInvestor
Tue Dec 11, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Uber Cash Discount
Replies: 4
Views: 1182

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: 3172
Views: 615425

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: 978

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: 3172
Views: 615425

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: Personal Finance (Not Investing)
Topic: "The Steak Dinner Annuity Pitch"
Replies: 68
Views: 7808

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...