Search found 32 matches

by Crazy_Aussie
Mon Nov 16, 2020 7:55 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2551
Views: 416192

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Anyone tried getting TDAmeritrade to match as a retention bonus the CHASE CPC $2000 bonus? Maybe a complication : we received a $1000 bonus from TDAmeritrade in Feb 2020 for bringing in >= $250K. To keep that $1000 bonus, we need to keep it the >= $250K at TDA for 12months i.e. thru mid-Feb 2021. B...
by Crazy_Aussie
Sun Nov 15, 2020 7:46 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2551
Views: 416192

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Anyone tried getting TDAmeritrade to match as a retention bonus the CHASE CPC $2000 bonus? Maybe a complication : we received a $1000 bonus from TDAmeritrade in Feb 2020 for bringing in >= $250K. To keep that $1000 bonus, we need to keep it the >= $250K at TDA for 12months i.e. thru mid-Feb 2021. Bu...
by Crazy_Aussie
Thu Aug 13, 2020 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8007
Views: 558690

Re: Refinance Mega Thread

During a call today with Better, I mentioned I had competing LEs to send and they asked me whether the LEs were dated within the last 3 days..... which surprised me a little since I've mostly seen mention of people having to provide LEs within 1 day. For context, I logged on late last night to lock ...
by Crazy_Aussie
Tue Aug 04, 2020 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8007
Views: 558690

Re: Refinance Mega Thread

I received the AMEX $2500 statement credit from Better, posted on July 13th. Refi Closing docs were signed June 25th, Payoff was done June 30th, sold to Fannie Mae July 8th. I'm not exactly sure when the credit statement was actually made, I wasn't expecting it quite so quickly, so today was the fir...
by Crazy_Aussie
Fri Jul 03, 2020 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8007
Views: 558690

Re: Refinance Mega Thread

WRT the $100 price match vs $1000 Better price Guarantee, there might be some hope for those using the AMEX campaign : I currently still see a Better.com webpage that is labeled for the American Express exclusive offer that shows the $1000 price guarantee. From the link Amex sent to me in an email c...
by Crazy_Aussie
Thu Jun 25, 2020 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8007
Views: 558690

Re: Refinance Mega Thread

That was for the 2.875% 30yr fixed rate. See my previous post a few pages earlier in this thread for the complete lists of closing costs I was offered originally. If you are looking for rates in Texas, then it really only takes a couple minutes on www.AHCLending.com to get their full quote with all...
by Crazy_Aussie
Thu Jun 18, 2020 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8007
Views: 558690

Re: Refinance Mega Thread

I just read that American Express Small Business Cards is not eligible. Bummer. I should learn to read the details before jumping the gun. Has anyone applied recently for Blue cash everyday card and gotten approved for the $2500 better deal? Thanks You need to receive a targeted e-mail to be eligib...
by Crazy_Aussie
Tue Jun 16, 2020 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8007
Views: 558690

Re: Refinance Mega Thread

Texas peeps shopping for competitive quotes : AHC Lending just increased their lender credits to $2700+ from previous $1500+ . Some of the other closing costs increased slightly, but overall it is $1000 improvement for me. I emailed that quote to myself from their public website, so I'll be sending...
by Crazy_Aussie
Sun Jun 14, 2020 1:51 am
Forum: Personal Finance (Not Investing)
Topic: Health Ins for 26yr old : which state and options?
Replies: 8
Views: 799

Re: Health Ins for 26yr old : which state and options?

Just realized I neglected to thank those who posted helpful information and suggestions, so thank you. With the information provided, he could narrow his focus down to just Washington state and started by pursuing the Medicaid avenue. He did qualify for Medicaid in WA, and successfully enrolled. Res...
by Crazy_Aussie
Sun Jun 14, 2020 1:36 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8007
Views: 558690

Re: Refinance Mega Thread

Texas peeps shopping for competitive quotes : AHC Lending just increased their lender credits to $2700+ from previous $1500+ . Some of the other closing costs increased slightly, but overall it is $1000 improvement for me. I emailed that quote to myself from their public website, so I'll be sending ...
by Crazy_Aussie
Fri May 29, 2020 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8007
Views: 558690

Re: Refinance Mega Thread

Thanks for the Texas specific information you guys provided, I just locked with BETTER mortgage after they matched+$1000 an offer I had from American Heritage Capital (AHCLending.com). 2.875% on a 30yr fixed, with about $2900 costs (loan estimate sections A+B+C+E) but nearly $1600 in lender credits ...
by Crazy_Aussie
Tue Oct 01, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: Buying expensive TVs online
Replies: 54
Views: 4622

Re: Buying expensive TVs online

Just got the 65" LG C9 w/ soundbar bundle on Amazon with a coupon deal for 15% off + 5% cashback on the Amazon card. Shipped from Beach in NJ. Box arrived badly beaten and that was alarming, but the TV is immaculate and I can hawk the soundbar on Craigslist. The coupon deal seems to have been ...
by Crazy_Aussie
Sat Jan 05, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Health Ins for 26yr old : which state and options?
Replies: 8
Views: 799

Health Ins for 26yr old : which state and options?

Could someone help me understand the options for Health Insurance for my stepson who is turning 26 this month and losing his current health insurance at that time? The aim would be to have him covered by health insurance to: - avoid severe health consequences should he suffer a health-related incide...
by Crazy_Aussie
Sat Feb 03, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Is LinkedIn premium worth it?
Replies: 18
Views: 3251

Re: Is LinkedIn premium worth it?

I used LinkedIn Premium for maybe about a year across 2014 and 2015 while I was looking for a new job. I believe it gave me better access to automated job search, and the identity/profiles of anyone looking at my profile. Might have also let me search profiles more extensively - so I could find comp...
by Crazy_Aussie
Sat Sep 16, 2017 12:35 pm
Forum: US Chapters
Topic: San Antonio TX Chapter - Master Thread
Replies: 57
Views: 18801

Re: San Antonio Local Chapter Established

Yes, it was great to meet other people passionate about personal finances.
Looking forward to sharing ideas and tips, including those that are only applicable at the local level!

Al
by Crazy_Aussie
Fri Dec 23, 2016 11:00 pm
Forum: Personal Consumer Issues
Topic: Shipping Large Items Cross-Country?
Replies: 10
Views: 2027

Re: Shipping Large Items Cross-Country?

Try a shipping company named ESTES or ESTES Express. If they have locations at your source and destination they can be very inexpensive. As others have mentioned, the trick is to put the goods on a pallet. With ESTES they will use their forklifts..... but you then have to be able to transport the go...
by Crazy_Aussie
Mon Dec 19, 2016 11:30 pm
Forum: US Chapters
Topic: San Antonio TX Chapter - Master Thread
Replies: 57
Views: 18801

Re: [Interested in starting a] San Antonio Chapter?

Count me in.
by Crazy_Aussie
Mon Jul 13, 2015 12:26 am
Forum: Personal Finance (Not Investing)
Topic: What is a 401(n) retirement plan?
Replies: 6
Views: 1489

Re: What is a 401(n) retirement plan?

I'm starting to think I misheard 'm' as 'n' - probably 401(m) plan. The short summary of benefits just lists it as an extra 'retirement plan', where the employer contributes between 3% and 9% depending on my age and whether the company makes its target for that year. I had found a few well hidden re...
by Crazy_Aussie
Thu Jul 09, 2015 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: What is a 401(n) retirement plan?
Replies: 6
Views: 1489

What is a 401(n) retirement plan?

I'm looking at the benefits package for a prospective employer and they have a 401(n) plan in addition to a 401(k) plan. I've never heard of a 401(n) plan so I am trying to educate myself about them so I fully understand the benefits package. But I can't seem to find any description of them, tried s...
by Crazy_Aussie
Sat Feb 21, 2015 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal IRA rules
Replies: 3
Views: 603

Re: Spousal IRA rules

Thanks for the confirmation, livesoft.
I'm new to this 'being married' thing, so I need a little help getting up to speed.

And yes you are correct about the other income : the main one being a large capital gain from selling my rental property after 18years ownership.
by Crazy_Aussie
Sat Feb 21, 2015 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal IRA rules
Replies: 3
Views: 603

Spousal IRA rules

I've been reading up on the Spousal IRA rules using the wiki, IRS.gov and posts on this website, but would like some confirmation as to whether I'm understanding things correctly. For 2014: I will file MFJ with my spouse. I have W-2 'Box 1' income of $93,000. She has W-2 'Box 1' income of only $155....
by Crazy_Aussie
Sun May 25, 2014 3:52 pm
Forum: Investing - Theory, News & General
Topic: Jefferson National VA now charging for Low Cost Funds
Replies: 12
Views: 2142

Re: Jefferson National VA now charging for Low Cost Funds

Both versions of the prospectus I listed above describe the fees as applying through the entire life of the contract, and listed explicit minimum and maximum values and percentages for those fees. One part they did explicitly specify they could change at will is the list of funds they offered and wh...
by Crazy_Aussie
Sun May 25, 2014 12:54 pm
Forum: Investing - Theory, News & General
Topic: Jefferson National VA now charging for Low Cost Funds
Replies: 12
Views: 2142

Re: Jefferson National VA now charging for Low Cost Funds

The current prospectus is dated Dec 2013 and has the new 'Low Cost Fund Platform Fee'. A previous copy I had saved was dated May 2012, and had the transaction fees model on those lower cost funds. So somewhere between those two dates, the fee structure changed - but I would only think it would be fo...
by Crazy_Aussie
Sat May 24, 2014 4:51 pm
Forum: Investing - Theory, News & General
Topic: Jefferson National VA now charging for Low Cost Funds
Replies: 12
Views: 2142

Jefferson National VA now charging for Low Cost Funds

I was just researching that Monument Advisor VA at Jefferson National today and noticed that they are now charging 0.35% on amounts invested in DFA, Vanguard and a few other funds they are designating as 'Low Cost Fund'. They may have dropped the transaction fee they used to charge for those funds, ...
by Crazy_Aussie
Thu Mar 07, 2013 3:10 am
Forum: Personal Investments
Topic: Self Employment, 401K and Backdoor Roth: A Viable Gameplan?
Replies: 10
Views: 5492

Re: Self Employment, 401K and Backdoor Roth: A Viable Gamepl

This maybe a wild-goose chase I'm about to send you on here, or it could lead to the holy grail. TD AMERITRADE sales reps claimed that their solo 401k allowed after-tax contributions. This was in mid-November 2012. They repeatedly insisted that it was not explicitly stated that after-tax was allowed...
by Crazy_Aussie
Tue Jan 29, 2013 4:03 pm
Forum: Personal Consumer Issues
Topic: Why do folks ignore voicemails in returning calls??
Replies: 20
Views: 1971

Re: Why do folks ignore voicemails in returning calls??

I know with my MagicJack that I can re-direct unanswered incoming calls to another phone number. I login to my account on the magicjack website and change the settings and provide the phone number.

Maybe that would solve your problem.
by Crazy_Aussie
Fri Nov 16, 2012 5:53 pm
Forum: Personal Investments
Topic: Build Solo 401k ROTH by Living off Taxable?
Replies: 4
Views: 880

Re: Build Solo 401k ROTH by Living off Taxable?

I guess I'm thinking long-term we may need the backdoor, and wouldn't want to get stuck with a big IRA and nowhere to move it. I myself am currently bumping up against the filing-single limit for doing a direct ROTH, and right now am having to move a small IRA into my employers 401k plan to clear th...
by Crazy_Aussie
Fri Nov 16, 2012 1:03 pm
Forum: Personal Investments
Topic: Build Solo 401k ROTH by Living off Taxable?
Replies: 4
Views: 880

Re: Build Solo 401k ROTH by Living off Taxable?

No opinions? I' ve made some progress, but the couple of questions I'd really like some opinions on now are : 3) Is there any advantage to keeping the rollover IRA or should it be rolled into a solo 401k? Rolling it to a 401k would open a path longterm for backdoor ROTH, if the backdoor is needed in...
by Crazy_Aussie
Fri Nov 09, 2012 5:29 pm
Forum: Personal Investments
Topic: Build Solo 401k ROTH by Living off Taxable?
Replies: 4
Views: 880

Build Solo 401k ROTH by Living off Taxable?

I wish I had found Bogleheads years ago, but better late than never. So here I am, looking for some help. My 50yo girlfriend (same-sex de facto) has self employment income as a Sole Proprietor filing Schedule C. She also currently has W-2 wages from another employer, but that will drop significantly...
by Crazy_Aussie
Fri Nov 09, 2012 1:27 pm
Forum: Non-US Investing
Topic: Overseas bank account for investing?
Replies: 9
Views: 944

Re: Overseas bank account for investing?

If you have any 'financial' accounts outside the USA, you need to know about filing FBAR forms if the total value across all accounts is over $US10,000 at any time during the tax year. It covers more than simple bank/credit union accounts. There are also new FATCA reporting requirements that cover m...
by Crazy_Aussie
Thu Sep 20, 2012 1:16 pm
Forum: Investing - Theory, News & General
Topic: 401k fees
Replies: 28
Views: 3900

Re: 401k fees

VeriSight might be another 401k provider worth a look. My employer is in the process of moving our 401k to VeriSight. They offer Vanguard funds, our average ER is 0.16% The admin and record-keeping fee per employee is $54 per year. The company is paying the base 401k fee, I don't know the amount. I ...
by Crazy_Aussie
Fri Jul 20, 2012 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign bank accounts
Replies: 2
Views: 517

Re: Foreign bank accounts

The $10K threshold is not just for each single account. If at any time during the year, the sum total across ALL your foreign accounts reaches $10K even for one minute, then you need to file the FBAR form. And it's not just bank accounts, it includes other type of accounts you wouldn't think of as b...