Search found 203 matches

by FrugalProfessor
Fri Feb 14, 2020 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Dreaded IRS CP2000 - Backdoor Roth
Replies: 22
Views: 2504

Re: Dreaded IRS CP2000 - Backdoor Roth

To close the loop on this thread: * In December of 2019 I got a CP2000 for tax year 2017 claiming I owed $495 in taxes + $47 in interest. * On December 18 2019 I faxed them a response. I used one of those sketchy looking scan + fax services online for a buck. * A month later (mid Jan 2020) the IRS m...
by FrugalProfessor
Tue Feb 11, 2020 4:20 pm
Forum: Personal Investments
Topic: 529: Oregon Savings Plan vs Nevada Vanguard
Replies: 6
Views: 249

Re: 529: Oregon Savings Plan vs Nevada Vanguard

If you dont have in-state tax advantage, California ScholarShare 529 is down to 0.06% all-inclusive ER for their total stock market fund. I actually moved from Vanguard Nevada, which otherwise used to be one of the best funds, because 0.15% to 0.06% for the same fund made it a no-brainer for me. +1...
by FrugalProfessor
Tue Feb 11, 2020 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Having a baby in April 2020 - Whats your best financial advice for a new parent
Replies: 102
Views: 7534

Re: Having a baby in April 2020 - Whats your best financial advice for a new parent

In no particular order: * You don't need a minivan because you have one child (or three). * Marketers will want you to believe that if you don't buy a $2k stroller or a $100 outfit for your infant that you don't love them. Hogwash. Free stuff is best. After raising 5 kids, there is nothing that give...
by FrugalProfessor
Sat Feb 08, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: First time home buyers using funds in a Roth IRA for a down payment?
Replies: 29
Views: 1889

Re: First time home buyers using funds in a Roth IRA for a down payment?

Coming out of my phd program at the age of 34 almost four years ago, there was a 6 month period before I got my first paycheck as a professor. Our balance sheet at the time looked like this: Cash: 0k Rollover trad IRA (from previous job): 90k Roth IRAs: 160k Debt: 0k Net Worth: 250k With 5 kids, I h...
by FrugalProfessor
Thu Feb 06, 2020 9:44 am
Forum: Personal Finance (Not Investing)
Topic: who do you bank with and why?
Replies: 97
Views: 6382

Re: who do you bank with and why?

* Fidelity brokerage/cma combo as main checking/savings account. Love fast ACH transfers, free ATM, ulimited transactions (as opposed to 6 with Ally), earn decent interest rate in default sweep account (1.21% for SPAXX as of today or 1.44% for SPRXX as of today if you manually purchase), automatic l...
by FrugalProfessor
Tue Jan 28, 2020 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Don't Get Escheated! (Planet Money on Escheatment)
Replies: 36
Views: 4459

Re: Don't Get Escheated! (Planet Money on Escheatment)

Thanks for sharing. I guess this is a benefit of account aggregators (Mint, Personal Capital, etc.), which would serve to log in on a daily-ish basis to otherwise inactive investment accounts. Despite the security concerns (e.g. all PW stored in 1 location), I continue to think these aggregators mak...
by FrugalProfessor
Wed Jan 22, 2020 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Back Credit Card Reward Strategy
Replies: 21
Views: 1849

Re: Cash Back Credit Card Reward Strategy

https://www.frugalprofessor.com/best-cr ... 9-edition/

5.25% on most purchases (including Costco), 2.625% on all else (property taxes, doctors). Not too shabby.
by FrugalProfessor
Thu Jan 16, 2020 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card for airline travel
Replies: 21
Views: 1688

Re: Best credit card for airline travel

We are looking to travel in about 5 months and are looking solely for a credit card or cards that is best for redeem airline tickets. It is all about the signup bonus. +1 https://www.doctorofcredit.com/best-current-credit-card-sign-bonuses/ If you're old and haggard like me then the BoA 5.25% cash ...
by FrugalProfessor
Mon Jan 06, 2020 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth at Fidelity question
Replies: 15
Views: 1405

Re: Backdoor Roth at Fidelity question

Nevermind, actually looks like it will allow conversion if I select partial account balance. If I select entire account balance it shows message that there are no shares available to be converted. I always have this same issue with Fidelity. I choose partial conversion then convert the whole amount...
by FrugalProfessor
Mon Jan 06, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth at Fidelity question
Replies: 15
Views: 1405

Re: Backdoor Roth at Fidelity question

Nevermind, actually looks like it will allow conversion if I select partial account balance. If I select entire account balance it shows message that there are no shares available to be converted. I always have this same issue with Fidelity. I choose partial conversion then convert the whole amount...
by FrugalProfessor
Sun Jan 05, 2020 2:23 am
Forum: Personal Finance (Not Investing)
Topic: Geico cancels 1M umbrella
Replies: 54
Views: 6584

Re: Geico cancels 1M umbrella

How much are other folks paying for $1 million of umbrella? I'm paying $1,000/year which I thought was fair; however, now I'm seeing the OP was paying was paying $200-$300. This has me concerned/ :oops: $147 for $1M @ Geico. I have dirt cheap high deductible car insurance with them too. Very cheap ...
by FrugalProfessor
Thu Dec 19, 2019 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Dreaded IRS CP2000 - Backdoor Roth
Replies: 22
Views: 2504

Re: Dreaded IRS CP2000 - Backdoor Roth

* We took too high a deduction for my wife's $5,500 Trad IRA contribution. We claimed a $2,490 deduction for my wife's TIRA contribution. The IRS says we should have only claimed a $1,120 deduction (a difference of $1,370)... Random rant: * I'm remain unsure how I screwed up the original filing. I ...
by FrugalProfessor
Thu Dec 19, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Dreaded IRS CP2000 - Backdoor Roth
Replies: 22
Views: 2504

Re: Dreaded IRS CP2000 - Backdoor Roth

Please make sure there is not a different problem. I am concerned that you do not understand why the amount of the IRA deduction was reduced. This implies to me that you also had additional income that you have not accounted for. When multiple items are changed, sometimes the core problem is obscur...
by FrugalProfessor
Thu Dec 19, 2019 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Dreaded IRS CP2000 - Backdoor Roth
Replies: 22
Views: 2504

Re: Dreaded IRS CP2000 - Backdoor Roth

* What is the easiest way to resolve this? I just spent an hour on hold with the IRS only to talk to an unhelpful agent for five minutes who was unable to provide much guidance. She advised sending in an updated 8606. * I'm remain unsure how I screwed up the original filing. I used both TurboTax an...
by FrugalProfessor
Wed Dec 18, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Dreaded IRS CP2000 - Backdoor Roth
Replies: 22
Views: 2504

Re: Dreaded IRS CP2000 - Backdoor Roth

+1 to retiredjg’s response Consider including a cover letter that summarizes your response that you owe no additional tax as the reduced tIRA deduction is offset by reduced taxable conversion to Roth IRA. The cover letter can also include a table - rows would be the 1040 lines affected, AGI and TI ...
by FrugalProfessor
Wed Dec 18, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Dreaded IRS CP2000 - Backdoor Roth
Replies: 22
Views: 2504

Re: Dreaded IRS CP2000 - Backdoor Roth

I believe that an amendment is done on a 1040x, not on the original form you used. So you'll have to document what lines change. In this case, you would change your deduction to $0 and then find the line where your 8606 income enters the 1040 and change that line too. In addition to doing a new 860...
by FrugalProfessor
Wed Dec 18, 2019 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Dreaded IRS CP2000 - Backdoor Roth
Replies: 22
Views: 2504

Re: Dreaded IRS CP2000 - Backdoor Roth

I do not think the letter is about the Backdoor Roth. I think the letter is that somehow your deduction was wrong. It appears to them you deducted too much, therefore paying too little tax. So you got the letter. That's what you need to fix (the deduction) and to do that you need to amend your 1040...
by FrugalProfessor
Wed Dec 18, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Dreaded IRS CP2000 - Backdoor Roth
Replies: 22
Views: 2504

Dreaded IRS CP2000 - Backdoor Roth

So I got the dreaded CP2000 letter. Any advice would be appreciated. Background info: * I filed jointly in 2017 * My wife is a stay at home mom * I have a W2 job * Both of our Trad IRA balances were $0 prior to doing the backdoor Roth. * We both contributed $5,500 to Trad IRAs. * Since we were in th...
by FrugalProfessor
Wed Nov 27, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Question to BofA Preferred Rewards members
Replies: 5
Views: 527

Re: Question to BofA Preferred Rewards members

whodidntante wrote:
Wed Nov 27, 2019 12:25 pm
I always initiate the transaction from an external account. There is no fee that way.
+1. I always initiate via Fidelity.
by FrugalProfessor
Sat Nov 23, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Going from marginal tax rate 12% to 37% with only $13K more income
Replies: 74
Views: 6951

Re: Going from marginal tax rate to 12% to 37% with only $13K more income

I've modeled effective marginal rates vs labor income here: https://www.frugalprofessor.com/2019-tax-calculator/. The intent of the spreadsheet is to capture exactly what livesoft is mentioning. It should help people make more informed decisions on Roth vs Trad. I don't model social security taxatio...
by FrugalProfessor
Fri Nov 22, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge Combo
Replies: 18
Views: 2297

Re: Bank of America/Merrill Edge Combo

I finally got platinum honors status after 3 months. I now have the Premium Rewards Credit card and the red Cash Rewards credit card. I'd like at least 2 more cash rewards credit cards. BOA customer service is unsure and unhelpful trying to tell me if I can open these, or if I need to wait, or what...
by FrugalProfessor
Thu Nov 21, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Are complicated credit card cash back strategies worth it?
Replies: 131
Views: 11689

Re: Are complicated credit card cash back strategies worth it?

If you are getting thousands in "rewards," you are spending hundreds of thousands. Yes? You have a very high income. You are not in the category of person whose discipline needs to be like a Roman military square, so to speak, invulnerable on all sides and depending that all are doing their duty. I...
by FrugalProfessor
Sun Nov 10, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: BOA card - Preferred platinum and property taxes
Replies: 10
Views: 1790

Re: BOA card - Preferred platinum and property taxes

I use the 2.625% premium card for property taxes; it's enough to cover the fees, but not much more. I primarily do so to get 60 days of interest-free float.
by FrugalProfessor
Wed Oct 30, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: How should I cancel my business cell phone?
Replies: 19
Views: 1127

Re: How should I cancel my business cell phone?

Google Voice is free but it does cost $20 to port in your Verizon number. Once that process is complete just make sure your service with Verizon is canceled. https://support.google.com/voice/answer/1065667#xferin And does that $20 move this business phone number from Verizon to google voice so no o...
by FrugalProfessor
Tue Oct 29, 2019 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 74
Views: 8782

Re: Uber VISA rewards cut

If married, the best way to get $100k to ME is through a joint brokerage account. That way you and your spouse can qualify for platinum honors status without needing to put $200k there, as would be the case if you were to transfer IRAs there. Having both spouses qualify independently for platinum h...
by FrugalProfessor
Tue Oct 29, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 74
Views: 8782

Re: Uber VISA rewards cut

It's a great card but there is a $2,500 quarterly spending cap for the Cash Rewards card it you want the 5.25% and 3.5% CB. Once you exceed $2,500 inside of three months, the rewards drop to 1%. And you don't get 2.625% on the cash rewards card on everything else. You need to use their Travel Rewar...
by FrugalProfessor
Sun Oct 27, 2019 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Back Bonuses - Race to $10k
Replies: 28
Views: 5585

Re: Cash Back Bonuses - Race to $10k

This is for 2019 (so far): Credit Cards Capital One Savor (me) $500 cash back Chase Southwest (wife) $1,100 estimated value (65k miles) Chase United (me) $620 estimated value (40k miles) B of A Premier Rewards (wife) $500 cash back US Bank Business Cash (me) $500 cash back US Bank Business Cash (wi...
by FrugalProfessor
Thu Oct 24, 2019 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Card Bonus for Adding A User, Anybody Know what happens next?
Replies: 17
Views: 1200

Re: Fidelity Visa Card Bonus for Adding A User, Anybody Know what happens next?

Years ago I signed my five kids up as authorized user on that card. The oldest was seven and the youngest was a newborn. I guess I'd be $200 richer had I done that now.
by FrugalProfessor
Tue Oct 22, 2019 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card for 2 mil+ in annual spending?
Replies: 60
Views: 6827

Re: Best credit card for 2 mil+ in annual spending?

BoA Premium Rewards+Platinum Honors will get you a flat 2.625%, and 3.5% on travel, dinner, and whiskey. I'm not a high roller but they did extend me a 77k credit line. That's spread across my cards with BoA, but they've been willing to move the limits freely from card to card once granted. Payment...
by FrugalProfessor
Tue Oct 22, 2019 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card for 2 mil+ in annual spending?
Replies: 60
Views: 6827

Re: Best credit card for 2 mil+ in annual spending?

I've written about the strategy here: https://www.frugalprofessor.com/best-credit-card-rewards-strategy-2019-edition/ I'm currently amassing cash rewards cards, but so far I only have two. How long do you recommend waiting between applications? I have two and my wife has two (plus I have the prefer...
by FrugalProfessor
Tue Oct 22, 2019 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card for 2 mil+ in annual spending?
Replies: 60
Views: 6827

Re: Best credit card for 2 mil+ in annual spending?

I'd do the BoA preferred rewards: https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/ No limit to the points you can earn and your points don't expire 3.5% on travel, 3.5% on dining, 2.625% on everything else. No nonsense card, though you need $100k at Merrill Edge to qu...
by FrugalProfessor
Tue Sep 24, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Phone Bill via Amex Platinum or Debit Card?
Replies: 33
Views: 1966

Re: Pay off Phone Bill via Amex Platinum or Debit Card?

My vote is to reduce your cell phone bill to almost zero instead of worrying about payment methods. I pay around $1/month through prepaid (Tello) + google voice. My wife pays ($5/month) through prepaid (RedPocket) + google voice. http://frugalprofessor.com/phones At $1/month (or $6/month) including ...
by FrugalProfessor
Mon Sep 23, 2019 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America Cash Rewards Visa Signature as Alternative to Citi Double Cash Card?
Replies: 18
Views: 2157

Re: Bank of America Cash Rewards Visa Signature as Alternative to Citi Double Cash Card?

I've posted this elsewhere on the forum, but platinum honors + multiple (I have 4) BoA Cash Rewards = the best cash back strategy on the planet. https://www.frugalprofessor.com/best-credit-card-rewards-strategy-2019-edition/ With 4 Cash Rewards cards, the Premium Rewards card (which I also own) is r...
by FrugalProfessor
Thu Sep 19, 2019 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1392
Views: 189943

Re: Fidelity as a one stop shop

Long-time Fidelity customer (as well as Vanguard) and just consolidated paycheck direct deposit, billpay, checking, etc. at Fidelity so I could make some interest. I've never actually used the ATM/Debit card, only electronic transactions. Today someone withdrew about $500 from an ATM 300 miles away...
by FrugalProfessor
Wed Sep 18, 2019 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1392
Views: 189943

Re: Fidelity as a one stop shop

Is there potential for an unintended Roth IRA interaction here? I'm under the impression that you can't make Roth contributions directly from a taxable brokerage- but instead have to withdraw it (From the taxable brokerage account) to a banking institution then fund the Roth through that (though in...
by FrugalProfessor
Tue Sep 17, 2019 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1392
Views: 189943

Re: Fidelity as a one stop shop

Ok, this makes more sense now: ATM card for the perpetually $0 balance CMA, and the checkwriting, direct deposit, and billpay connected to the brokerage SPAXX. Check if you have enough assets to qualify for free ATMs in the brokerage account. If you do qualify, then you have no need for a CMA accou...
by FrugalProfessor
Tue Sep 17, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1392
Views: 189943

Re: Fidelity as a one stop shop

So after taking care of a mid-life transition, and getting ready for a possible job change/underemployment, I started the process of converting my diverse set of financial instituions to be almost completely Fidelity. My 401k has been there for 20+ years, I'm getting close to 59.5, the rates, proce...
by FrugalProfessor
Thu Aug 08, 2019 8:54 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4518
Views: 868272

Re: credit card strategy

[merged into existing thread - moderator prudent] I don't travel (other than day trips by car) and thus credit card travel rewards never interested me. My credit card strategy has been pretty simple. Run everything I can through my credit cards. I use the Amazon prime card for everything, except th...
by FrugalProfessor
Thu Aug 01, 2019 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4518
Views: 868272

Re: What's Your Credit Card Rewards Strategy?

https://www.frugalprofessor.com/best-cr ... 9-edition/.

5.25% cash back on most purchases (including Costco). 2.625% cash back on all others. Zero-ish annual fee. Pretty good system.
by FrugalProfessor
Sat Jul 06, 2019 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 116
Views: 25046

Re: Best cash-back credit card right now?

I'm sorry, but 7.25% cash back at Costco (5.25% base + 2% executive) + 5.25% on gas + 5.25% on travel + 5.25% on dining + 5.25% on online purchases + 2.625% on all else is as the best I've got for you right now. All for essentially no annual fee. If forum members come up with a better strategy, I'm...
by FrugalProfessor
Tue Jul 02, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 116
Views: 25046

Re: Best cash-back credit card right now?

I have 4 BoA cash rewards cards (2 myself + 2 my wife), so we can do 4 categories per month. BoA premium rewards has 0% foreign transaction fee. It's a phenomenal card. The BoA platinum honors credit card strategy is unambiguously the best for cash rewards. Isn't Cash Rewards + Travel rewards combi...
by FrugalProfessor
Mon Jul 01, 2019 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 116
Views: 25046

Re: Best cash-back credit card right now?

But you can only spend in one category each month! You are right it has no annual fee (I was confused), but it has foreign transaction fee and I use it quite a lot outside the US. AAA Visa Signature works better for me. I have 4 BoA cash rewards cards (2 myself + 2 my wife), so we can do 4 categori...
by FrugalProfessor
Mon Jul 01, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 116
Views: 25046

Re: Best cash-back credit card right now?

I'm sorry, but 7.25% cash back at Costco (5.25% base + 2% executive) + 5.25% on gas + 5.25% on travel + 5.25% on dining + 5.25% on online purchases + 2.625% on all else is as the best I've got for you right now. All for essentially no annual fee. If forum members come up with a better strategy, I'm ...
by FrugalProfessor
Sun Jun 30, 2019 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 116
Views: 25046

Re: Best cash-back credit card right now?

BoA cash rewards earns 5.25%. https://www.frugalprofessor.com/one-month-review-of-updated-boa-cash-rewards-card/ https://www.frugalprofessor.com/best-credit-card-rewards-strategy-2018-edition/ Ok.. I guess this is because you use most online purchases. Groceries must be a big part. Costco Cash Card...
by FrugalProfessor
Fri Jun 28, 2019 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 116
Views: 25046

Re: Best cash-back credit card right now?

BoA Cards - I typically average 4% cash-back for all categories BoA Cards - I typically average 4% cash-back for all categories With PR Platinium Honors? Which card gives you 4% for grocery? And gas? BoA cash rewards earns 5.25%. https://www.frugalprofessor.com/one-month-review-of-updated-boa-cash-...
by FrugalProfessor
Wed Jun 26, 2019 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: BOA Credit Card Linked to Merrill for 2.625%
Replies: 53
Views: 4357

Re: BOA Credit Card Linked to Merrill for 2.675%

I've written pretty extensively on the BoA Premium & BoA Cash Rewards here: https://www.frugalprofessor.com/one-month-review-of-updated-boa-cash-rewards-card/ https://www.frugalprofessor.com/best-credit-card-rewards-strategy-2018-edition/ I think it's the best combination of cards available right now.
by FrugalProfessor
Tue Jun 25, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 145
Views: 14442

Re: How did you lower your annual expenses?

With 5 kids (ages 5-12), our annual spend for the past 12 months is broken down as follows: *Housing: $20k *Food & clothing: $17k *Auto:$2.3k *Other:$18k *Healthcare: $17k *Total Excluding Healthcare: $57.4k *Total Including Healthcare: $74.6k We've had a rough stretch with medical expenses this pas...
by FrugalProfessor
Sat Jun 15, 2019 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4518
Views: 868272

Re: What's Your Credit Card Rewards Strategy?

Do you get 5.25 for the Costco cash card online purchase from Costco.com when you set your BoA cash rewards category to 'Online Shopping' ? If yes, then, I'm bummed for all these months not taking advantage of this, please let us know FrugalProfessor ! Corrected, Groceries from 5.25 to 3.5 Note: Bo...
by FrugalProfessor
Sat Jun 15, 2019 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4518
Views: 868272

Re: What's Your Credit Card Rewards Strategy?

Do you get 5.25 for the Costco cash card online purchase from Costco.com when you set your BoA cash rewards category to 'Online Shopping' ? If yes, then, I'm bummed for all these months not taking advantage of this, please let us know FrugalProfessor ! It's documented in the professor's first link....