Search found 646 matches

by SlowMovingInvestor
Tue Jul 17, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Any luck Unlocking Sprint iPhone 5?
Replies: 7
Views: 554

Re: Any luck Unlocking Sprint iPhone 5?

The terminology here is a little confusing. Unlocking is something that Sprint should be able to do/has likely already done. But phones, especially older phones like the iPhone 5 aren't always compatible with each other's network. They may not use the same network protocols, or may not support the s...
by SlowMovingInvestor
Mon Jul 16, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Vtip short term tip etf ??
Replies: 11
Views: 539

Re: Vtip short term tip etf ??

There's also STIP, iShares 0-5 year TIP ETF
by SlowMovingInvestor
Sun Jul 15, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Betterment account to get AA miles
Replies: 0
Views: 201

Betterment account to get AA miles

[ I wasn't sure whether to put this question in the Brokerage Bonus thread, or a mileage thread, but finally decided to open a separate thread, and I opened this in the Not Investing forum since this is not Investing, strictly speaking] I just saw that Betterment offers upto 30,000 AA miles if you o...
by SlowMovingInvestor
Sun Jul 15, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 6582

Re: Anyone not have a Budget?

I don't have a budget for monthly expenses and I tend to maximize savings and only buy essentials (Which include dining out). Part of this does lead me to not spend on anything I don't find essential. Anyone else in the same boat? I do exactly the same, never have a budget. I do look at rough expec...
by SlowMovingInvestor
Sun Jul 15, 2018 5:36 pm
Forum: Investing - Theory, News & General
Topic: Brokers sell ETF order flow used to trade against clients
Replies: 24
Views: 1607

Re: Brokers sell ETF order flow used to trade against clients

Fortunately mutual funds have figured out a way to avoid the HFT's, that can be used by anyone : Place all buy-sell orders as Market-On-Close orders on the primary exchange. All buy and sell orders placed as Market-On-Close orders will be traded at the close in a single auction (so all the buys and...
by SlowMovingInvestor
Sun Jul 15, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Brokers sell ETF order flow used to trade against clients
Replies: 24
Views: 1607

Re: Brokers sell ETF order flow used to trade against clients

I did read and enjoy the book, but I'm not sure it's that applicable to buy and hold individual investors. The small extra spread that a buy and holder pays should be lost in the noise and for small purchases is probably less than a brokerage fee. Also, some brokerages like Fidelity say that they ro...
by SlowMovingInvestor
Sat Jul 14, 2018 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Portfolio
Replies: 11
Views: 1202

Re: Bond Portfolio

I have too much of my portfolio in equities, especially international equities at the moment. I was planning to do some rebalancing and move more into bonds. [emphasis added] Given the current shape of the yield curve (see this thread, for instance), https://www.bogleheads.org/forum/viewtopic.php?f...
by SlowMovingInvestor
Sat Jul 14, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1044
Views: 184790

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I opened an account with ME for one of their $1000 for 200K bonuses in Jan 2018. I thought the bonus would pay out at the end of 180 days, but actually the terms indicate 2 weeks after funding (180 days is just the period you have to retain the bonuses). I have a vague memory that the last time I go...
by SlowMovingInvestor
Sat Jul 14, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1044
Views: 184790

Re: This thread rewarded me $2K!

Next day by email, I asked the senior guy at the Schwab branch about moving 4 tax deferred accounts (mid 6 figures total) from TDA to Schwab, again he said "we're not doing transfer bonuses but i can put some free trades on the account". While i like free trades...READING THIS THREAD prompted me to...
by SlowMovingInvestor
Fri Jul 13, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Portfolio
Replies: 11
Views: 1202

Re: Bond Portfolio

For taxable bonds, I'm thinking the following (equal weight to each) 1) Short Term T-bills or CDs (3 months). 2) Short Term Treasury ETF. Maybe iShares SHY 3) VCIT (Vanguard Intermediate Tm Cpte) 4) FFRHX (Fidelity® Floating Rate High Income Fund) -- low quality, but only 90 day duration. This look...
by SlowMovingInvestor
Fri Jul 13, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Bond Portfolio
Replies: 11
Views: 1202

Bond Portfolio

I have too much of my portfolio in equities, especially international equities at the moment. I was planning to do some rebalancing and move more into bonds. Given the current shape of the yield curve (see this thread, for instance), https://www.bogleheads.org/forum/viewtopic.php?f=10&t=253746&newpo...
by SlowMovingInvestor
Thu Jul 12, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 533818

Re: What's Your Credit Card Rewards Strategy?

I just received a targeted application for Amex Premier Rewards Gold Card.50K signup bonus. I used to have this card, and cancelled over a year ago. My recollection is that Amex has a once in a lifetime policy for a bonus card, but I don't see that language in the T&C. Does this mean I can apply and...
by SlowMovingInvestor
Wed Jul 11, 2018 5:56 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1044
Views: 184790

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Ally Trading has some decent bonuses (I posted on these a few months back, but they don't seem to have changed) Make sure that you're a totally new customer to Ally/Tradeking. Also, last I checked, you needed to make some transactions at about $15 total. You can get the same $200 for 25k transfer e...
by SlowMovingInvestor
Wed Jul 11, 2018 5:04 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1044
Views: 184790

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Ally Trading has some decent bonuses (I posted on these a few months back, but they don't seem to have changed) https://go.ally.com/invest/current-promotion/ $600 for 250K, $1200 for 500K, $2500 for $1M. I do have money that I can move in 1-2 months. But the site looks pretty threadbare in general. ...
by SlowMovingInvestor
Tue Jul 10, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: $860 Million ETF Trade
Replies: 16
Views: 2056

Re: $860 Million ETF Trade

I don't think it would move the market. At this scale I don't think the owner would put in a market order. They would go to SPY and swap ETF shares for the underlying shares. They would then take the underlying shares and deposited them with SCHX, to create new SCHX. Done this way it would not even...
by SlowMovingInvestor
Tue Jul 10, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Can I use Fidelity's BrokerageLink to avoid 401k fees?
Replies: 14
Views: 888

Re: Can I use Fidelity's BrokerageLink to avoid 401k fees?

Hi, My company uses Fidelity for 401k services. I am 100% invested on VANG INST TR 2050. I was checking my transaction history and I noticed I have administrative fees and record keeping fees. They are not high, they are something like 40-50usd per quarter. Since my company allows using BrokerageLi...
by SlowMovingInvestor
Tue Jul 10, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: $860 Million ETF Trade
Replies: 16
Views: 2056

$860 Million ETF Trade

https://www.bloomberg.com/news/articles/2018-07-10/an-860-million-trade-just-saved-one-etf-investor-559-000 One investor sold more than $860 million of shares in State Street Corp.’s SPDR S&P 500 ETF Trust, ticker SPY, data compiled by Bloomberg show. Almost simultaneously, an investor bought a simi...
by SlowMovingInvestor
Mon Jul 09, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: Mobile service with RedPocket
Replies: 19
Views: 906

Re: Mobile service with RedPocket

I'm a happy redpocket customer. Not much to say other than it works. Customer service via chat is fine and their dashboard has enough info on there. I think though that if you want to use sprint there are better options. The first would be to get the free year of unlimited with sprint postpaid. htt...
by SlowMovingInvestor
Mon Jul 09, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Mobile service with RedPocket
Replies: 19
Views: 906

Re: Mobile service with RedPocket

RedPocket using the CDMA sim (Verizon) is fantastic. Typically, MVNO's data speeds are supposed to be capped. For some reason, the data speeds are not capped on RedPocket-Verizon so you're using Verizon's network with full Verizon speeds. If you have an iPhone, you also get full MMS functionality f...
by SlowMovingInvestor
Mon Jul 09, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Mobile service with RedPocket
Replies: 19
Views: 906

Re: Mobile service with RedPocket

What version is your Apple iPhone for Sprint? Sprint phones are the only ones where the earlier versions were locked to Sprint for the US. That is the reason they are way cheaper. Some when unlocked were only unlocked for International use. Never unlocked for US. I would look at getting an unlocked...
by SlowMovingInvestor
Mon Jul 09, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Mobile service with RedPocket
Replies: 19
Views: 906

Re: Mobile service with RedPocket

There are some drawbacks with the plan you cannot send picture mms, which we don't use much of any way. Are your phones Android? To you have your APN set correctly? Sometimes Android will automatically try to set the APN and you end up with split and only one can be active. Support should be able t...
by SlowMovingInvestor
Sat Jul 07, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Whole Foods -- any drop in prices after Amazon takeover ?
Replies: 31
Views: 3732

Whole Foods -- any drop in prices after Amazon takeover ?

I rarely shop at Whole Foods -- it's too expensive for my taste. I do shop at Trader Joe's, which is very reasonably priced. WF is not very convenient for me, but I happen to be passing near one tomorrow. Have some prices gone down after the Amazon takeover to be more reasonably priced (say comparab...
by SlowMovingInvestor
Sat Jul 07, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Question on best discount brokage firm
Replies: 7
Views: 625

Re: Question on best discount brokage firm

There isn't that much difference in terms of brokerage firms overall. I love Fido (I am Fido private client), but have had generally good experiences with all. TDAM's dropping Vanguard and iShares ETFs is a negative, they also charge for T-Bill auction purchases. Most other brokerages don't If I had...
by SlowMovingInvestor
Thu Jul 05, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Mobile service with RedPocket
Replies: 19
Views: 906

Re: Mobile service with RedPocket

I have 4 lines with RedPocket Service and very pleased with the service. I am on the $240 plan where you have a choice between Sprint or At&t network for 5 gigs at 4g speed and 2g unlimited. Maybe I am missing something. $240 for 4 lines does not seem like a good deal. T-mobile has $160 for 4 lines...
by SlowMovingInvestor
Thu Jul 05, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Removing dead poison ivy
Replies: 24
Views: 1319

Re: Removing dead poison ivy

Thanks for all the comments.

I gather though, that I should try and remove the dead vine after taking precautions, rather than just let it be ? There are no family members/pets/neighbors kids likely to run across the dead ivy by chance.
by SlowMovingInvestor
Thu Jul 05, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Mobile service with RedPocket
Replies: 19
Views: 906

Re: Mobile service with RedPocket

I know I am not answering your question directly. Since you mentioned Xfinity, I would point out the following: Unless you want an apple product, go with Xfinity and get a free phone. They are running a promotion on android phone with a $150 gift card when you port over a phone. $150 is sufficient ...
by SlowMovingInvestor
Thu Jul 05, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Mobile service with RedPocket
Replies: 19
Views: 906

Re: Mobile service with RedPocket

I do not use RedPocket (currently on Cricket) but I have heard good things about them. You would pick the 'Yellow' plan for Sprint. Go to eBay and search "Red Pocket 360" and see the different discounted offers for a full year of coverage. Is Sprint coverage working for you? I avoid Sprint and T-Mo...
by SlowMovingInvestor
Thu Jul 05, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Removing dead poison ivy
Replies: 24
Views: 1319

Removing dead poison ivy

I have some poison ivy in my yard (unfortunately, entangled around some shrubs I want to keep) and it's base is not easily accessible. I sprayed it, and it seems to be dying. Should I just 'let it be', and eventually it would degrade ? But the leaves are starting to fall and I gather they can still ...
by SlowMovingInvestor
Thu Jul 05, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: Mobile service with RedPocket
Replies: 19
Views: 906

Mobile service with RedPocket

I've a Sprint (Virgin, but that's just a Sprint band) iPhone SE, and I'm looking to switch carriers to a low cost carrier (BYOP). This thread was extremely helpful. https://www.bogleheads.org/forum/viewtopic.php?t=252710 However, it seems the Sprint model supports only a subset of other carriers' ba...
by SlowMovingInvestor
Mon Jul 02, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 106
Views: 14372

Re: Xfinity Mobile

I'm thinking of switching to Xfinity Mobile BYOD. I have an unlocked iPhone SE. The current carrier is Virgin (a Sprint brand). Xfinity's web page says they can support my device when I give the IMEI, but I've heard that they use Verizon's wireless network. And Sprint iPhone SEs can't use 4g on Ver...
by SlowMovingInvestor
Sat Jun 30, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1044
Views: 184790

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Etrade often gives $1500 at the $500K level and 1K at the 250K level. This is slightly below that, but still better than other brokerages right now.

Do you have to open a new account to get this, or can you transfer to existing accounts ?
by SlowMovingInvestor
Fri Jun 29, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 106
Views: 14372

Re: Xfinity Mobile

I'm thinking of switching to Xfinity Mobile BYOD. I have an unlocked iPhone SE. The current carrier is Virgin (a Sprint brand). Xfinity's web page says they can support my device when I give the IMEI, but I've heard that they use Verizon's wireless network. And Sprint iPhone SEs can't use 4g on Veri...
by SlowMovingInvestor
Thu Jun 28, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1044
Views: 184790

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

$200 bonus for depositing only $200 into a new Fidelity Cash Management and/or Fidelity (aka taxable) Account. If you already have either of these, you're not eligible. https://communications.fidelity.com/pi/start-your-stack/?ccsource=offer I don't have a Fidelity CMA account, but I do have Fido br...
by SlowMovingInvestor
Mon Jun 18, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance by U.S. Citizen from Former U.S. Green Card Holder
Replies: 29
Views: 3066

Re: Inheritance by U.S. Citizen from Former U.S. Green Card Holder

I am trying to determine whether a prospective, possible inheritance will be subject to U.S. tax, and whether any action can be taken now to influence the situation. I first asked this question on this board's Canadian sister site - the Financial Wisdom Forum - but now realize that an American tax ...
by SlowMovingInvestor
Sun Jun 17, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 533818

Re: What's Your Credit Card Rewards Strategy?

I just received a replacement for my Citi Sears Mastercard. I had actually forgotten about it, since I haven't shopped at Sears (no stores near me anyway) and haven't used it in years. I think it gives you ThankYou points too, but these are not transferrable. I don't find ThankYou points that useful...
by SlowMovingInvestor
Thu Jun 14, 2018 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Preferred Services?
Replies: 19
Views: 1818

Re: Fidelity Preferred Services?

I too just call the Private Client dedicated number when I have a question. Always get someone on the phone right away. After they answer my question they sometimes remind me that I have a dedicated advisor that I can talk to if I wish. Interesting. I can't recall ever being reminded by a rep that ...
by SlowMovingInvestor
Wed Jun 13, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: best way to receive large sum of money from another country
Replies: 34
Views: 2447

Re: best way to receive large sum of money from another country

There are no taxes in the US for gifts received from Non Resident Aliens.

However, as was pointed out before, you need to file IRS form 3520. The penalty for not filing this form is draconian, 5% of gifts received per month, up to 25% of gift.
by SlowMovingInvestor
Tue Jun 12, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: Why has VGHAX expense ratio grown by 136% since 2005-6?
Replies: 6
Views: 815

Re: Why has VGHAX expense ratio grown by 136% since 2005-6?

Have you considered switching to the Vanguard Health Care Index Fund? There are Admiral Shares at $100,000 minimum (VHCIX) or ETF shares (VHT). Both cost 10 bp. I see no reason to expect active managers to add value in large, liquid health care stocks. Unfortunately, some of us have signifcant embe...
by SlowMovingInvestor
Mon Jun 11, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Any point in keeping paper copies of IRA transactions ?
Replies: 3
Views: 304

Re: Any point in keeping paper copies of IRA transactions ?

I think it is important to keep records on money going into Roth IRA. If you take money out of Roth before age 59.5, you will need them. To clarify -- I was asking about transactions (transfer, purchases) within the IRA. I do intend to keep records of contributions (and of course I have form 5498s ...
by SlowMovingInvestor
Mon Jun 11, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Any point in keeping paper copies of IRA transactions ?
Replies: 3
Views: 304

Any point in keeping paper copies of IRA transactions ?

I have paper copies of a lot of old transactions in my IRA. Is there any point in keeping these or can they be shredded ? The older transactions are not available online (10 year limit). But I can''t really see much point to keeping the paper transactions since the basis of the funds/ETFs is not imp...
by SlowMovingInvestor
Fri Jun 08, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: Marcus/Goldman Sachs Bank Credit Report Auth ?
Replies: 4
Views: 404

Re: Marcus/Goldman Sachs Bank Credit Report Auth ?

They were probably already doing it. The new law in disclosures that passed in the European Union has many US companies issuing new disclosures on their terms of service. I've gotten over 50 of these in the past few weeks. But isn't that required only for EU residents ? And in any case GS Bank is a...
by SlowMovingInvestor
Fri Jun 08, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: Marcus/Goldman Sachs Bank Credit Report Auth ?
Replies: 4
Views: 404

Re: Marcus/Goldman Sachs Bank Credit Report Auth ?

It sounds like you had already decided to pull your money out but for some reason did not close the account, it being referred to as an old account and all. I don't understand why a soft pull would be the last straw, or even a straw at all; just close the account that you don't want. Actually, the ...
by SlowMovingInvestor
Fri Jun 08, 2018 6:15 am
Forum: Investing - Theory, News & General
Topic: Marcus/Goldman Sachs Bank Credit Report Auth ?
Replies: 4
Views: 404

Marcus/Goldman Sachs Bank Credit Report Auth ?

I've had an account at Goldman Sachs Bank/Marcus since the GE Days. I logged in recently and was presented with a screen that required agreeing to some new terms of service, and to a credit report authorization (which wouldn't impact my credit score). I can't see my accounts until I accept. I realiz...
by SlowMovingInvestor
Thu May 31, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: New York Times-Fidelity, Bruised From Crises, Searches for Life After Mutual Funds
Replies: 12
Views: 2300

Re: New York Times-Fidelity, Bruised From Crises, Searches for Life After Mutual Funds

Fidelity had a very profitable 2017, so I'm not sure it's really 'bruised' from a financial perspective.
by SlowMovingInvestor
Thu May 31, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Purepoint now 1.6%
Replies: 16
Views: 2415

Re: Purepoint now 1.6%

Purepoint now 1.9%
by SlowMovingInvestor
Wed May 30, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Is FBAR filing complicated?
Replies: 23
Views: 1715

Re: Is FBAR filing complicated?

Thanks jj! Good to know that it's not complicated. So let's say we keep one account with ~$20000; but we also have two other accounts with ~$1000 each (we just can't legally close these before age 60, although they're virtually empty). Do we need to report the small accounts too, or is reporting th...
by SlowMovingInvestor
Sat May 26, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 533818

Re: What's Your Credit Card Rewards Strategy?

I've received a targetted Citi offer to become a Citi Priority client (i.e. open CitiPriority accounts) and get 50K ThankYou points. I'm not a great fan of ThankYou points -- don't use their travel partners much. I have heard that Citi also has a similar offer, but with AA miles offered. Any way I ...
by SlowMovingInvestor
Sat May 26, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 533818

Re: What's Your Credit Card Rewards Strategy?

I've received a targetted Citi offer to become a Citi Priority client (i.e. open CitiPriority accounts) and get 50K ThankYou points. I'm not a great fan of ThankYou points -- don't use their travel partners much. I have heard that Citi also has a similar offer, but with AA miles offered. Any way I c...
by SlowMovingInvestor
Tue May 22, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: Edelman & Financial Engines merging
Replies: 36
Views: 4109

Re: Edelman & Financial Engines merging

These are Edelman’s fees. 1.4% on the first million. You need a bit over $2 million before you’re under 1% AUM. For larger asset bases, those fees are quite high. I assume the underlying funds have their own asset management fees, and transaction and recordkeeping costs shouldn't increase that much...
by SlowMovingInvestor
Sat May 19, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 246
Views: 43071

Re: How to Minimize Your Emergency Care Expenses

Article on Anthem denying some ER visit expenses https://www.nytimes.com/2018/05/19/upshot/anthem-insurer-resists-paying-emergency-room-visits-if-avoidable.html?rref=collection%2Fsectioncollection%2Fbusiness Although the first example they give: ..he felt a jolt in his back ..“It dropped me to my kn...