Search found 830 matches

by confusedinvestor
Sun Jul 05, 2020 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Travel - How to get money back ?
Replies: 15
Views: 1167

Re: Chase Travel - How to get money back ?

OP Here ... Thanks everyone for all the great feedback and suggestions. Update: I've contacted Chase Travel via Chat and here is the summary: - Rep said that I've booked 2 one-way fares vs RoundTrip which I was not aware of. She said it was in the disclosures when I booked via Chase Portal. - My dep...
by confusedinvestor
Sat Jul 04, 2020 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Travel - How to get money back ?
Replies: 15
Views: 1167

Re: Chase Travel - How to get money back ?

Hi, Big Thank you

Do you know how to contact Chase Travel Customer service via Chat ?

thanks again!
bryanm wrote:
Sat Jul 04, 2020 10:24 pm
And yes, DoT says refund is mandatory if they cancel flight.
by confusedinvestor
Sat Jul 04, 2020 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Travel - How to get money back ?
Replies: 15
Views: 1167

Re: Chase Travel - How to get money back ?

We do want to travel to Hawaii at some point in 2021 or early 2022 Is there any downside to keep the Future Travel Credit with Chase ? Sounds like getting a refund will be very challenging This happened to me recently. I tried to get Chase Travel to issue a refund, but they insisted the airline was ...
by confusedinvestor
Sat Jul 04, 2020 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Travel - How to get money back ?
Replies: 15
Views: 1167

Chase Travel - How to get money back ?

Folks, Does anyone know how to get the money back vs future travel credit from Chase Travel, given airline cancelled the flight ? Hawaiian Airlines cancelled our flight on Aug 3 and we booked the Flights via Chase Travel Portal approx. - $1000 + Points Is it possible to get the money + points back v...
by confusedinvestor
Sat Jul 04, 2020 1:10 am
Forum: Personal Consumer Issues
Topic: Buying house without realtors
Replies: 78
Views: 4241

Re: Buying house without realtors

Murgatroyd wrote:
Wed Jul 01, 2020 3:13 pm
Consult an experienced real estate attorney
This.

I did this.
by confusedinvestor
Tue Jun 30, 2020 10:11 pm
Forum: Personal Consumer Issues
Topic: CNBC - How to watch live ?
Replies: 17
Views: 1267

Re: CNBC - How to watch live ?

Pure entertainment! I do like Scott Wapner's debate style on Economy, Markets, Value vs Growth, Small vs Large, etc - I hit the fast-forward button when they discuss about individual stocks https://www.cnbc.com/scott-wapner/ I only eat 3 fruits - Total US, Total Int, Total Bond despite CNBC discuss ...
by confusedinvestor
Tue Jun 30, 2020 5:33 pm
Forum: Personal Consumer Issues
Topic: CNBC - How to watch live ?
Replies: 17
Views: 1267

Re: CNBC - How to watch live ?

Yes, I have a Schwab Account

How Do I access CNBC in Schwab.com ?

thanks again !
bondsr4me wrote:
Tue Jun 30, 2020 5:07 pm
If you have a TDAmeritrade account or a Schwab account, they both stream CNBC on their trading platform.
by confusedinvestor
Tue Jun 30, 2020 5:32 pm
Forum: Personal Consumer Issues
Topic: CNBC - How to watch live ?
Replies: 17
Views: 1267

Re: CNBC - How to watch live ?

Thank you, I will try this out tomorrow.

I just paused YouTube TV until Dec 31.
Housedoc wrote:
Tue Jun 30, 2020 5:08 pm
Use CNBC app and select Listen Live. No TV login required and most of the panel ain't worth looking at! HA HA
by confusedinvestor
Tue Jun 30, 2020 4:48 pm
Forum: Personal Consumer Issues
Topic: CNBC - How to watch live ?
Replies: 17
Views: 1267

Re: CNBC - How to watch live ?

Yes, per month :annoyed I will cancel today but re-activate just before the Collage Football kick off and turn off again after SuperBowl .... [...]"To continue delivering the best content and service possible, we’re also updating our price for new and existing members to $64.99/month. Your base memb...
by confusedinvestor
Tue Jun 30, 2020 3:54 pm
Forum: Personal Consumer Issues
Topic: CNBC - How to watch live ?
Replies: 17
Views: 1267

CNBC - How to watch live ?

Folks, Is there a way to watch CNBC Live ? I like Scott Wepner show. Going to cancel my Youtube TV as it has just increased the price from $50 to $65. "To continue delivering the best content and service possible, we’re also updating our price for new and existing members to $64.99/month. Your base ...
by confusedinvestor
Fri Jun 26, 2020 10:26 pm
Forum: Personal Consumer Issues
Topic: Restaurants recommendations
Replies: 73
Views: 5063

Re: Restaurants recommendations

Will take out this weekend, thank you!
peseta wrote:
Wed Jun 24, 2020 9:09 pm
In San Diego, Pizza Port. Especially if you like beer.
by confusedinvestor
Sun Jun 21, 2020 8:10 pm
Forum: Personal Consumer Issues
Topic: Restaurants recommendations
Replies: 73
Views: 5063

Re: Restaurants recommendations

Is it better to re-heat the takeout food in over to reduce the risk of the virus infection ? If you do takeout, I would focus on places within a 15 minute drive of your house. Anything longer than this and the food cools down before you get home . If you order ahead, the food may be sitting there aw...
by confusedinvestor
Sun Jun 21, 2020 8:08 pm
Forum: Personal Consumer Issues
Topic: Restaurants recommendations
Replies: 73
Views: 5063

Re: Restaurants recommendations

Thank you all.
by confusedinvestor
Fri Jun 19, 2020 10:32 pm
Forum: Personal Consumer Issues
Topic: Restaurants recommendations
Replies: 73
Views: 5063

Restaurants recommendations

Hi Folks, I love food. Enjoy any type of food (except Sushi) 1. Do you guys have any recommendations of national chain restaurants and dish you really like and would recommend ? 2. I live in So Cal / San Diego, so I'd appreciate any local restaurant if anyone local reading this post. We have been ta...
by confusedinvestor
Sat Jun 06, 2020 7:29 pm
Forum: Personal Consumer Issues
Topic: Movie recommendation for Kids (9/10 yrs) ?
Replies: 12
Views: 595

Re: Movie recommendation for Kids (9/10 yrs) ?

Thanks, i will check this out, but, is it ok with watch with kiddos ?
lostinjersey wrote:
Sat Jun 06, 2020 4:53 pm
Not a movie, but we are really enjoying Heartland. It’s a Canadian TV series set on a ranch in Alberta. Great story, wholesome and engaging. It’s got something like 12 seasons on Netflix.
by confusedinvestor
Sat Jun 06, 2020 7:28 pm
Forum: Personal Consumer Issues
Topic: Movie recommendation for Kids (9/10 yrs) ?
Replies: 12
Views: 595

Re: Movie recommendation for Kids (9/10 yrs) ?

Thanks, this is a great list and site.
by confusedinvestor
Sat Jun 06, 2020 4:40 pm
Forum: Personal Consumer Issues
Topic: Movie recommendation for Kids (9/10 yrs) ?
Replies: 12
Views: 595

Re: Movie recommendation for Kids (9/10 yrs) ?

Thank you. Curious - How did you find out these movies ? Is there a list somewhere ? These are all FREE on YouTube: Rudy Just Eat It: A Food Waste Story A Street Cat Named Bob The Secret of Roan Inish The Magic of Belle Isle With Six You Get an Eggroll Angels in the Outfield Aunt Mary The Adventure ...
by confusedinvestor
Sat Jun 06, 2020 3:57 pm
Forum: Personal Consumer Issues
Topic: Movie recommendation for Kids (9/10 yrs) ?
Replies: 12
Views: 595

Movie recommendation for Kids (9/10 yrs) ?

Folks,

Given it is still recommended to stay home, do you guys have any recommendations for movies for my twins, 9/10 yrs old ?

we have Netflix and amazon prime. Thanks again.
by confusedinvestor
Wed Jun 03, 2020 1:37 am
Forum: Personal Consumer Issues
Topic: Anyone booking flights for 2021 travel?
Replies: 68
Views: 5444

Re: Anyone booking flights for 2021 travel?

Hi Galawdawg, We are planning to fly to Calcutta, India from San Diego this Dec, 2020 with Flight cost for DW, I and my 2 kids for 6K I tried this website you mentioned below and Coverage cost for Cancel for Any Reason (should there is a 2nd wave in Fall) is around $256 but it also says, 'other cond...
by confusedinvestor
Tue Jun 02, 2020 11:30 pm
Forum: Personal Investments
Topic: Thoughts on International Growth Fund (VWIGX)
Replies: 9
Views: 830

Re: Thoughts on International Growth Fund (VWIGX)

Blackrock changed their Target Allocation ETF/MF Models portfolios for financial advisors from International Blend (IXUS) to International Growth IEG - Shares MSCI EAFE Growth ETF Does anyone knows Why Vanguard ex-US Growth Active (VWILX) holds 32% in Growth Tilt vs Blakcrock ex-US Growth Index (EFG...
by confusedinvestor
Thu May 28, 2020 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 616
Views: 154539

Re: Bank of America/Merrill Edge - Preferred Rewards

Happy ending. So glad to hear. I still feel BoA Prem Rewards are great, even if it could be painful such as your story The saga ends finally! So I called BofA back and complained that I still didn't have my missing cash back/points and they opened a research request for me to investigate and adjust ...
by confusedinvestor
Thu May 28, 2020 1:03 am
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 117
Views: 7304

Re: does anyone have a subscription to youtube tv?

Hum, How do you watch OnDemand shows in YouTube TV ? I thought you always have to record it - aka - Put it in your own Library Please let me know how to access OnDemand in YTTV You can fast-forward through commercials if you have set the YTTV DVR to record a specific program and then you watch it la...
by confusedinvestor
Thu May 28, 2020 12:58 am
Forum: Personal Consumer Issues
Topic: HBO Max
Replies: 38
Views: 2977

Re: HBO Max

Thank you. the 11.99 deal is gone sadly for HBO Max I havent seen Game of Thrones either. Do you think this HMO Max 12/m worth it to watch GOT ? Which AMex card offer streaming credits ? Amex Platinum consumer card holders. https://about.americanexpress.com/press-release/business-charge-cards/americ...
by confusedinvestor
Tue May 26, 2020 11:40 pm
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 117
Views: 7304

Re: does anyone have a subscription to youtube tv?

YouTube TV is great

$50/month - including taxes with great family share plan (upto 6 family members)

Cons:

- But there is at least 2-3 min lag in live streaming of sports. eg: we noticed that with last year SuperBowl
- Auto delete of recorded episodes beyond 2 months
by confusedinvestor
Tue May 26, 2020 11:33 pm
Forum: Personal Consumer Issues
Topic: HBO Max
Replies: 38
Views: 2977

Re: HBO Max

I havent seen Game of Thrones either. Do you think this HMO Max 12/m worth it to watch GOT ? Which AMex card offer streaming credits ? I subscribed yesterday. It will be free for me until the end of the year courtesy of the American Express $20 streaming credit. We already have Prime and Netflix, bu...
by confusedinvestor
Wed May 20, 2020 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1612
Views: 224820

Re: Fidelity as a one stop shop

FYI - Another push by Fidelity to lure you in expensive Wealth Mgmt "Fidelity Rewards+SM Exclusive benefits for Wealth Management clients As a thank you to our Wealth Management clients, we're pleased to offer even more industry-leading value. Enroll in Fidelity Rewards+ when you have $250,000 in pr...
by confusedinvestor
Thu May 07, 2020 4:44 pm
Forum: Investing - Theory, News & General
Topic: A bond rule of thumb better than "age in bonds"
Replies: 152
Views: 10565

Re: A bond rule of thumb better than "age in bonds"

I think a good rule of thumb is bonds % = function of age till retirement / age till you start withdrawing … Example: I'm 44 today and I want to retire at 57 so my years until retirement is 13 so my stock is 73 and bond is 17 this is a glide path I follow (avg of all TD funds): https://help.rightcap...
by confusedinvestor
Mon May 04, 2020 2:06 pm
Forum: Investing - Theory, News & General
Topic: Treasury borrowing 3T
Replies: 2
Views: 359

Treasury borrowing 3T

Treasury borrowing 3T to fund Cares Act Debt

How does this impact Treasury bonds over mid to long term ?

How does this can potentially impact our Taxes after 2025 ?

How does this impact SS/Medicare over long term ?

Will appreciate some feedback.
by confusedinvestor
Sat May 02, 2020 8:54 pm
Forum: Personal Investments
Topic: Money manager, is it worth it ? 1M to invest.
Replies: 21
Views: 2351

Re: Money manager, is it worth it ? 1M to invest.

Hi, Question you may ask... 1. Are you a fiduciary ? 2. Are you open to a one time 'planning' with fixed fee w/o a AUM model (meaning moving your 1M assets with him) ? 3. Do you include tax prep as part of the AUM model / yearly engagement ? 4. What is your investment philosophy? what funds do you u...
by confusedinvestor
Fri Apr 24, 2020 3:31 pm
Forum: Investing - Theory, News & General
Topic: Forecast Stock and Bond Returns: Crisis Edition from M*/Vanguard/...
Replies: 10
Views: 939

Forecast Stock and Bond Returns: Crisis Edition from M*/Vanguard/...

M*'s Experts Forecast Stock and Bond Returns: Crisis Edition https://www.morningstar.com/articles/979744/article - What do BH Experts think ? - Is anyone changing return projections on their plans which may impact savings rate, how long they may have to work, or AA/risk changes ? - Int outperforming...
by confusedinvestor
Thu Apr 23, 2020 11:15 pm
Forum: Personal Consumer Issues
Topic: Coffee Experts - Help with an online coffee order
Replies: 44
Views: 3652

Re: Coffee Experts - Help with an online coffee order

Do they offer grounded version vs whole bean ? I don't have a grinder and I cant take the whole bean pack to Costco for grounding, given the pandemic Please let me know - thanks! I recently ran across Sleepy Monk Coffee: https://www.sleepymonkcoffee.com The run $14-15/pound, the coffee is excellent ...
by confusedinvestor
Thu Apr 23, 2020 10:55 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 464
Views: 58968

Re: What lifestyle creep made you happier?

Amen. :sharebeer I survived a major colon surgery 3 years back, after suffering for 3 painful years, I know my colon may give up sooner vs my other organs, so, I just had a good cap-streak w good cab last weekend. Enjoyed Thai take out this evening, Italian tomorrow and P.F.Changs on Saturday Food a...
by confusedinvestor
Wed Apr 22, 2020 10:14 pm
Forum: Personal Investments
Topic: High 401K Advisor Fees - Any Recourse ?
Replies: 49
Views: 2129

Re: High 401K Advisor Fees - Any Recourse ?

Hi, OP here. I've sent you a PM with Employer Name, EIN thanks again for your help on this. We are so disappointed that we have pay such high fees (40 bps + Fund ER) in this plan. Give me the plan's name, employer name or EIN and I can get it for you. It's all public information. If more than 100 pa...
by confusedinvestor
Wed Apr 22, 2020 12:07 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 464
Views: 58968

Re: What lifestyle creep made you happier?

Eating out 3/4 times a week.
Even w Covid-19, we are picking up from restaurants 3/4 times a week.
by confusedinvestor
Tue Apr 21, 2020 8:05 pm
Forum: Personal Investments
Topic: High 401K Advisor Fees - Any Recourse ?
Replies: 49
Views: 2129

Re: High 401K Advisor Fees - Any Recourse ?

Nope, unsure of the plan assets. Do you know why are these not disclosed to the plan participants ? we have sent an email to the HR asking for the plan and advisor fees. Does it say anywhere how big the new 401k plan is? I couldn't find it. The fee level depends a lot on how big the plan is. For a s...
by confusedinvestor
Tue Apr 21, 2020 3:21 pm
Forum: Personal Investments
Topic: High 401K Advisor Fees - Any Recourse ?
Replies: 49
Views: 2129

Re: High 401K Advisor Fees - Any Recourse ?

Update: We spoke with Paychex and they said, the plan doesn't allow Rollover contributions to be distributed unless we have a qualifying event (ie employment termination, 59.5 yrs, disability) so we are basically screwed Funny is, SPD says we can but Paychex says they have a "Plan Adoption" document...
by confusedinvestor
Tue Apr 21, 2020 2:08 pm
Forum: Personal Investments
Topic: 2 years from retirement - add to total bond?
Replies: 23
Views: 2425

Re: 2 years from retirement - add to total bond?

This is what I follow for my stock/bonds - for years from retirement allocations https://help.rightcapital.com/article/128-glide-path#details-on-the-default-glide-path It shows stock:bond allocation for every 'years to retirement' as cookie cutter solution Obviously, your allocation depends on your ...
by confusedinvestor
Sun Apr 19, 2020 2:23 pm
Forum: Personal Investments
Topic: High 401K Advisor Fees - Any Recourse ?
Replies: 49
Views: 2129

Re: High 401K Advisor Fees - Any Recourse ?

and DW and myself (in my company 401K plan) have no choice but to pay the advisor fees w/o any benefit to us.... But, glad we are still employed, given the circumstances... Why do some companies have such awful 401ks? I've been lucky to have Fidelity and Schwab, and now TSP during my career. Are oth...
by confusedinvestor
Sun Apr 19, 2020 2:21 pm
Forum: Personal Investments
Topic: High 401K Advisor Fees - Any Recourse ?
Replies: 49
Views: 2129

Re: High 401K Advisor Fees - Any Recourse ?

Exactly. DW payroll and 401K is through Paycheck. Looks like employer is not subsiding the fees... I will call Paychex Monday morning... The PLAN not Paychex determines if you can roll the money into an IRA. Check your employer’s plan. Except, more often than not this likely is a Paychex 401k plan a...
by confusedinvestor
Sun Apr 19, 2020 1:13 pm
Forum: Personal Investments
Topic: High 401K Advisor Fees - Any Recourse ?
Replies: 49
Views: 2129

Re: High 401K Advisor Fees - Any Recourse ?

Thanks. Should I call Fidelity to open a Direct Rollover IRA for my DW so "Eligible Rollover" can be directly rolled over to Fidelity with the check written to Fidelity (not DW) so DW is not subjected to taxes withholdings ? Yes. The money you rolled into the plan is the "Eligible Rollover" money, a...
by confusedinvestor
Sun Apr 19, 2020 12:57 pm
Forum: Personal Investments
Topic: High 401K Advisor Fees - Any Recourse ?
Replies: 49
Views: 2129

Re: High 401K Advisor Fees - Any Recourse ?

I re-read the entire SPD again and I noted this section "Rollover/Transfer Contributions Your Plan allows you to make rollover and/or transfer contributions. The Plan may accept rollover contributions and/or Direct Rollovers of distributions from an Eligible Retirement Plan." and "How will my benefi...
by confusedinvestor
Sun Apr 19, 2020 12:36 pm
Forum: Personal Investments
Topic: High 401K Advisor Fees - Any Recourse ?
Replies: 49
Views: 2129

Re: High 401K Advisor Fees - Any Recourse ?

Many thanks. I showed this to my DW and we will try to roll over the money, if allowed, We will followup with an update, thanks again. :confused Any good way to calculate this ? $1200 / year vs Tax Free Roth growth + no fees for 6K to US Total market ? You can do some back of the envelope calculatio...
by confusedinvestor
Sun Apr 19, 2020 12:35 pm
Forum: Personal Investments
Topic: High 401K Advisor Fees - Any Recourse ?
Replies: 49
Views: 2129

Re: High 401K Advisor Fees - Any Recourse ?

Thank you. It is a company assigned advisor but we are going to followup on Monday with HR, if this is an options to opt out … It is weird that DW was not given any literature on plan fees, it is not in SPD. I'm sure we will get push back from Paychex if we try to roll over the $, if even allowed .....
by confusedinvestor
Sat Apr 18, 2020 1:15 pm
Forum: Personal Investments
Topic: High 401K Advisor Fees - Any Recourse ?
Replies: 49
Views: 2129

Re: High 401K Advisor Fees - Any Recourse ?

Thank you. Well, this is something to think over then....0.4% vs Backdoor Roth Any good way to calculate this ? $1200 / year vs Tax Free Roth growth + no fees for 6K to US Total market ? Our Roth % is low vs Overall portfolio, so I guess, I may keep the DW Rollover $ in this 401K. Thanks for pointin...
by confusedinvestor
Sat Apr 18, 2020 1:08 pm
Forum: Personal Investments
Topic: High 401K Advisor Fees - Any Recourse ?
Replies: 49
Views: 2129

Re: High 401K Advisor Fees - Any Recourse ?

Thank you. I will call the Paychex 401K dept on Monday. Will this rollover can potentially mess up our taxes for 2020 ? Now, I guess, I cant do backdoor Roth for my DW anymore with this Rollover IRA. Oh well, but, I guess it is better vs paying $1200+ fees every year... You have to check with the pl...
by confusedinvestor
Sat Apr 18, 2020 12:46 pm
Forum: Personal Investments
Topic: High 401K Advisor Fees - Any Recourse ?
Replies: 49
Views: 2129

High 401K Advisor Fees - Any Recourse ?

Hello All, We rolled over my wife's old employer 401K at Fidelity ( ~ 300K ) to new employer 401K at Paychex and we just found out that the new employer plan has very high fees, 20 bps for an independent advisor and 20 bps for plan maintenance / recordkeeping fees, so, total 40 bps, which would be c...
by confusedinvestor
Wed Apr 15, 2020 9:13 pm
Forum: Personal Investments
Topic: ICSH and other ultrashort term bond funds - should I be worried?
Replies: 26
Views: 2171

Re: ICSH and other ultrashort term bond funds - should I be worried?

It recovered

but I chicken'ed out....

Jmh04j wrote:
Fri Mar 06, 2020 12:09 pm
I have a significant amount of money in ICSH which is an investment grade short term bond fund. Should I be worried about credit loss given the volatility in the market?
by confusedinvestor
Wed Apr 15, 2020 8:38 pm
Forum: Personal Investments
Topic: ICSH fund drop (ISHARES ULTRA Short)
Replies: 9
Views: 823

Re: ICSH fund drop (ISHARES ULTRA Short)

Yes, I sold ICSH as well with a $500 loss and bought SHY (iShares 1-3 Year Treasury ) and ICSH started to recover next day and now pretty much recovered. Now, I'm tempered to sell my SHY to get back in ICSH ….I cant resist ICSH's yield …. Sell low and buy High with losses locked in with my EF fund.....
by confusedinvestor
Mon Apr 13, 2020 10:28 pm
Forum: Personal Investments
Topic: Which ETF for your Emergency Fund / CASH ?
Replies: 4
Views: 807

Which ETF for your Emergency Fund / CASH ?

Folks,

I'm at Merryll Edge so I can only buy ETFs, Vanguard MM funds or CDs are not available w/o commissions.

Which ETF would you recommended for your Emergency Fund ?
by confusedinvestor
Sun Apr 12, 2020 2:42 pm
Forum: Personal Consumer Issues
Topic: What Amazon Prime (free) movies y'd recommend ?
Replies: 78
Views: 6692

Re: What Amazon Prime (free) movies y'd recommend ?

Thanks, Watching Ozark, excellent, next, Better Call Saul.... I just finished season 3 of Ozark on Netflix. Excellent show. I'm in season 2 of Better Call Saul on Netflix and have enjoyed it. On free prime I recently started watching Travels By Narrowboat. Probably not everyone's cup of tea but I've...