Search found 1145 matches

by snowman
Mon Sep 28, 2020 4:43 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401924

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I have done investment bonuses with most brokers, but never with Chase, and online data points on CPC $2K offer are very limited. I'd like to confirm with people that already received the bonus that my understanding is 100% correct. Steps needed to get $2K: 1. Meet with private banker, give them my ...
by snowman
Mon Sep 28, 2020 3:30 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401924

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Is traditional IRA account eligible for $2K CPC offer? Or is this for taxable accounts only? Thanks. Yes, non-Chase IRAs are eligible. Thanks, that was quick! Reading the T&Cs it's not clearly spelled out. I assume you did transfer IRA account? Thanks again. Yes, I transferred Roth accounts. Thanks...
by snowman
Mon Sep 28, 2020 3:12 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401924

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Thrifty Femme wrote: Mon Sep 28, 2020 3:03 pm
snowman wrote: Mon Sep 28, 2020 3:02 pm Is traditional IRA account eligible for $2K CPC offer? Or is this for taxable accounts only? Thanks.
Yes, non-Chase IRAs are eligible.
Thanks, that was quick! Reading the T&Cs it's not clearly spelled out. I assume you did transfer IRA account? Thanks again.
by snowman
Mon Sep 28, 2020 3:02 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401924

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Is traditional IRA account eligible for $2K CPC offer? Or is this for taxable accounts only? Thanks.
by snowman
Fri Aug 28, 2020 9:43 am
Forum: Personal Investments
Topic: Are International Stocks worth it?
Replies: 44
Views: 2711

Re: Are International Stocks worth it?

So you are 27 with almost $100K saved already. You will do very well no matter what. US vs. international split is not going to make much of a difference over the long term, assuming you keep saving and investing regularly over the next few decades. The most important thing is to pick AA you are com...
by snowman
Fri Aug 28, 2020 9:26 am
Forum: Personal Investments
Topic: As a 30 year old with extremely high risk tolerance should I even be holding bonds any more or should I go 100% stock?
Replies: 166
Views: 11771

Re: As a 30 year old with extremely high risk tolerance should I even be holding bonds any more or should I go 100% stoc

OP, your main issue is that you invested your money in a financial product you did not fully understand. That's one of the main tenets of successful investing career - never put your hard earned money into something you do not understand. The good news is that the lesson learned didn't cost you much...
by snowman
Wed Jul 22, 2020 8:02 am
Forum: Personal Consumer Issues
Topic: Moving to Baltimore area
Replies: 49
Views: 3777

Re: Moving to Baltimore area

I would not want to live in either area. Where are you moving from? How far will you be from your parents/inlaws, and other family members? Are you not happy currently? Any other options? Just trying to understand context, that's all...
by snowman
Tue Jul 21, 2020 5:20 pm
Forum: Investing - Theory, News & General
Topic: Were You Around During Dotcom Bubble?
Replies: 182
Views: 11626

Re: Were You Around During Dotcom Bubble?

Ah, the memories... Wasn't making much money then, but percentage-wise my losses were staggering - about 80% IIRC. Seemed like everyone around me was making money in stocks - you couldn't go to an office party and not discuss which company just doubled in value over the past week or month. I bought ...
by snowman
Sat Jun 20, 2020 8:50 am
Forum: Personal Investments
Topic: How's my Asset Allocation? - 28 year old
Replies: 29
Views: 2296

Re: How's my Asset Allocation? - 28 year old

You can trade ETFs for free anywhere now, including Schwab. So if you really, really want to keep SCV, buy IJS or VBR. However, if you were my kid, I would recommend you ditch both SCV and REIT, and just stay with VTI and VXUS. 100% equities is what I would recommend as well. The important part is t...
by snowman
Fri Jun 19, 2020 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Amica
Replies: 40
Views: 3710

Re: Disappointed in Amica

marcopolo wrote: Thu Jun 18, 2020 1:12 am It seems you are spending more time and energy being disappointed with various financial instituition than it takes to resolve the issues.
Yeah, I noticed the same thing.
by snowman
Fri Jun 19, 2020 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Fidelity 2% Cash Back credit card
Replies: 167
Views: 10303

Re: Disappointed in Fidelity 2% Cash Back credit card

This thread has been entertaining, that's for sure. I already responded in Fidelity's defense, even though I don't own the card myself. It's pretty obvious what the deal is with cashback. However, I wanted to bring up another point, in OP's defense this time. Being a financial junkie (who isn't on t...
by snowman
Thu Jun 18, 2020 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Fidelity 2% Cash Back credit card
Replies: 167
Views: 10303

Re: Disappointed in Fidelity 2% Cash Back credit card

Thanks everyone, sincerely, for the spirited discussion. As others have suggested, and as I've surmised, this is not the card for us. We'll just cancel it and move on. :beer I don't think there is currently a no-strings-attached 2% cash back card. The Fidelity points have to be redeemed to a Fideli...
by snowman
Thu Jun 18, 2020 9:41 am
Forum: Personal Investments
Topic: USAA to Charles Schwab - not happy
Replies: 43
Views: 3508

Re: USAA to Charles Schwab - not happy

I am not enjoying Schwab's website. I was hoping I would like it, but will have to look in another direction, likely Fidelity. That's funny because I have accounts and Schwab and Fidelity and I prefer to the Schwab website. And I like the Vanguard website best. Most all large financial companies ha...
by snowman
Mon Jun 15, 2020 9:46 am
Forum: Personal Finance (Not Investing)
Topic: best way to give away a table saw
Replies: 53
Views: 3278

Re: best way to give away a table saw

Both items will be gone as quickly as you wish, especially if you are OK not getting any money for them. It all depends on how much you care about where they end up. We are going through the downsizing/de-cluttering process right now (my wife manages all of the postings/messaging), here is my sugges...
by snowman
Thu Jun 11, 2020 6:36 pm
Forum: Personal Consumer Issues
Topic: Noisy return/intake in new HVAC
Replies: 63
Views: 3174

Re: Noisy return/intake in new HVAC

Both the problem and the solution are fairly standard in new construction, 2 level homes. Their proposal will make it much more quiet, but it will continue to be somewhat loud, no way getting around that. The difference is you will not have to play with the volume button on your TV remote.
by snowman
Thu Jun 11, 2020 12:18 pm
Forum: Personal Investments
Topic: 45k job out of college and no expenses - please help me manage my money
Replies: 34
Views: 2392

Re: 45k job out of college and no expenses - please help me manage my money

If it was me... many years ago... I would want to move out of my parents' apartment. That would be my biggest priority, as I valued freedom and independence more than my bank account. Beyond that, I would do a budget right away, and figure out a way to pay my own way and save in my Roth IRA at the s...
by snowman
Thu Jun 11, 2020 10:08 am
Forum: Personal Investments
Topic: Possible switch, Fidelity to TDAmeritrade. Some details & questions.
Replies: 7
Views: 548

Re: Possible switch, Fidelity to TDAmeritrade. Some details & questions.

Have accounts at both (plus Schwab), and completely agree with both posters above. There is no point moving to TDA in your case. Plus, it will become Schwab shortly, so if anything check out Schwab first. But - there are bonuses still available... So I would recommend opening new account at both TDA...
by snowman
Mon Jun 08, 2020 4:41 pm
Forum: Personal Consumer Issues
Topic: Anyone have luck with a Goodyear Tire warranty?
Replies: 10
Views: 715

Re: Anyone have luck with a Goodyear Tire warranty?

That's pretty normal, actually. I get about 40K miles on my Accord tires, no matter which brand/model I buy - Michelin, Continental, Yokohama, Pirelli, Falken. That's why I shop at Discount Tire only - not only will they match any competitor's price on new tire installation, they also give you pror...
by snowman
Sun Jun 07, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: Anyone have luck with a Goodyear Tire warranty?
Replies: 10
Views: 715

Re: Anyone have luck with a Goodyear Tire warranty?

That's pretty normal, actually. I get about 40K miles on my Accord tires, no matter which brand/model I buy - Michelin, Continental, Yokohama, Pirelli, Falken. That's why I shop at Discount Tire only - not only will they match any competitor's price on new tire installation, they also give you prora...
by snowman
Fri May 29, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Learning about bank promotions that pay you to transfer money.
Replies: 5
Views: 457

Re: Learning about bank promotions that pay you to transfer money.

It's easy money, but if you have never done it, I would spend some time reading Doc's website (doctor of credit). You will learn a lot about how to play the game. I would also read comments under each bonus offer to double check what works and what doesn't, any potential issues, etc. Creating a spre...
by snowman
Sun May 24, 2020 5:01 pm
Forum: Personal Investments
Topic: Start adding bonds - best approach?
Replies: 21
Views: 1698

Re: Start adding bonds - best approach?

Was in your shoes 10 years ago, so I know how you feel. I was always 100% stocks guy, never even thought about selling in both 2000 and 2008 bear markets. But the time has come to start the glide path, and it felt awful to suddenly start buying bonds. What made it even worse psychologically was the ...
by snowman
Sun May 24, 2020 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Re: High yield savings account (opening one for first time)
Replies: 14
Views: 1033

Re: High yield savings account (opening one for first time)

Yes, it is easy, there is no need to settle for 0.04% interest. You may also consider HY checking account - you get much better APR compared to HY savings account. I earn 3% at LMCU (up to $15K balance), so married couple earns 3% on $30K balance. If you do end up going for HY checking account, decl...
by snowman
Fri May 22, 2020 10:05 am
Forum: Personal Consumer Issues
Topic: What to look for when buying a table saw?
Replies: 53
Views: 2924

Re: What to look for when buying a table saw?

I watched my grandfather and my father working with wood. Table saw was an essential piece of equipment that I was never allowed to use or even try to use it. I agree with others - it is the most dangerous piece of equipment in the shop, and needs to be treated with utmost respect. No loose clothing...
by snowman
Thu May 21, 2020 9:02 am
Forum: Personal Finance (Not Investing)
Topic: HELOC prime minus margin rate ?
Replies: 11
Views: 792

Re: HELOC prime minus margin rate ?

What happens when the rate resets, either up or down, while you are drawing on HELOC and making minimum (interest-only) payments? Do the payments change with the rate change, or are they locked into the rate when the line was originally drawn? Yes they change with the rate. If rates went down, woul...
by snowman
Thu May 21, 2020 8:53 am
Forum: Personal Finance (Not Investing)
Topic: HELOC prime minus margin rate ?
Replies: 11
Views: 792

Re: HELOC prime minus margin rate ?

What happens when the rate resets, either up or down, while you are drawing on HELOC and making minimum (interest-only) payments? Do the payments change with the rate change, or are they locked into the rate when the line was originally drawn?
by snowman
Wed May 20, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 4247

Re: Dual citizen, USA passport expiring, how to travel internationally

I don't know the answer to that, mostly because I never tried. The rules are very clear though. Just thinking through the process, I don't know how you would leave the country to begin with. The agent will ask for US passport, and you will say I don't have it, but here is an alternative "SA" passpo...
by snowman
Tue May 19, 2020 12:43 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 4247

Re: Dual citizen, USA passport expiring, how to travel internationally

The continued replies are extremely helpful (& admittedly fascinating to me for some reason). Family member was pursuing an open in person acceptance facility this morning. I know they had their identity documents with them. I did not get a status update from them. But all in all they are making an...
by snowman
Sun May 17, 2020 2:13 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 4247

Re: Dual citizen, USA passport expiring, how to travel internationally

As others pointed out getting out of the counry isn't the issue, it is getting back in! Incorrect. As I have pointed out already, getting out of the country IS the issue as well. If you are a US citizen, you have leave the country with a valid US passport. This person's passport expires in July, an...
by snowman
Sun May 17, 2020 1:12 pm
Forum: Personal Consumer Issues
Topic: Must carry more than one credit card
Replies: 53
Views: 3623

Re: Must carry more than one credit card

I don't think that is the case, the estate would need to pay off the debts. I believe you're right. https://www.nolo.com/legal-encyclopedia/credit-card-debt-death.html I thought so too, until there was a long thread here several months ago explaining how it actually works. Obviously, depends on the...
by snowman
Sun May 17, 2020 12:55 pm
Forum: Personal Consumer Issues
Topic: Must carry more than one credit card
Replies: 53
Views: 3623

Re: Must carry more than one credit card

2) If you are married have your spouse carry a credit card that you do not have. That way if a wallet or purse is lost you will still have a credit card with you that works. And make sure that each of you has at least one card owned by you (as opposed to being an authorized user). I recently became...
by snowman
Sun May 17, 2020 12:42 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 4247

Re: Dual citizen, USA passport expiring, how to travel internationally

Just curious... What would happen to such a person upon trying to re-enter the USA. (This assumes that *leaving* the country on that "other country's" passport works.) I thought the USA would *not* deny entry to a US citizen, although arriving without a valid passport would delay things while Immig...
by snowman
Sun May 17, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 4247

Re: Dual citizen, USA passport expiring, how to travel internationally

It may not help but I will at least keep the expired passport with me when trying to reenter. Not a good idea. It will raise further questions, like "why did you leave the country with clearly expired US passport which you knew is a no-no?" Officially, the US does not recognize dual citizenship (yo...
by snowman
Sun May 17, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: Must carry more than one credit card
Replies: 53
Views: 3623

Re: Must carry more than one credit card

Yep, it's called diversification. Always have a backup plan A, B and C. Learned that when I was young. Kids did not believe it until they learned the lesson themselves. Debit card would never be a part of my back up plan, only CC. Visa, MC, Amex, all from different banks. You just never know. That'...
by snowman
Sat May 16, 2020 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pros/cons of a dividned insurance policy
Replies: 7
Views: 474

Re: Pros/cons of a dividned insurance policy

This is for car, homeowner, and liability insurance. i.e. https://www.amica.com/en/products/dividend.html Long term policy holder with Amica here. They do not offer dividend policy in every state, so check on that first. I signed up for dividend policy when they started offering one. The dividend w...
by snowman
Sat May 16, 2020 12:32 pm
Forum: Personal Consumer Issues
Topic: Roofing job -- what to know when paying final balance ?
Replies: 15
Views: 935

Re: Roofing job -- what to know when paying final balance ?

Make sure they clean up - pick up nails, sweep the driveway, blow the gutters.

Check for any potential damage - scratched/broken glass windows/doors, patio furniture, railing etc. If any damage found, address with owner ASAP.

Have city inspector inspect it and sign off on it.
by snowman
Sat May 16, 2020 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Pros/cons of a dividned insurance policy
Replies: 7
Views: 474

Re: Pros/cons of a dividned insurance policy

This is for car, homeowner, and liability insurance. i.e. https://www.amica.com/en/products/dividend.html Long term policy holder with Amica here. They do not offer dividend policy in every state, so check on that first. I signed up for dividend policy when they started offering one. The dividend w...
by snowman
Sat May 16, 2020 10:32 am
Forum: Personal Consumer Issues
Topic: Alternatives to Craftsman Tools
Replies: 98
Views: 6724

Re: Alternatives to Craftsman Tools

Seems like all of my suggestions have already been mentioned... but I'll add my voice anyway. Kobalt/Husky/Rigid is what Craftsman used to be. Buy with confidence. Love the lifetime warranty but have not needed it for anything yet. Harbor Freight - surprisingly good place to buy some tools. Their ex...
by snowman
Sat May 16, 2020 10:08 am
Forum: Personal Consumer Issues
Topic: Must carry more than one credit card
Replies: 53
Views: 3623

Re: Must carry more than one credit card

Yep, it's called diversification. Always have a backup plan A, B and C. Learned that when I was young. Kids did not believe it until they learned the lesson themselves. Debit card would never be a part of my back up plan, only CC. Visa, MC, Amex, all from different banks. You just never know.
by snowman
Fri May 15, 2020 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12619

Re: Selling home - low ball negotiation

With 20+ Million suddenly unemployed, and many millions more in economic distress, I think this is definitely a buyers market. Meaning, your buyers have more houses to choose from, and you're unlikely to find other, better offers. How many equivalent homes are in the area that the buyers could alte...
by snowman
Fri May 15, 2020 7:47 am
Forum: Personal Finance (Not Investing)
Topic: 529 vs reducing FAFSA assets
Replies: 15
Views: 997

Re: 529 vs reducing FAFSA assets

There are tons of books on the subject, plus there is collegeconfidential website. I would start there and educate myself on how college aid works. It will help you plan ahead in ways you may not have thought of. However, as it relates to your current question, you are high income family, so you are...
by snowman
Thu May 14, 2020 7:58 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401924

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Does this include solo 401k as well? No. Solo 401k accounts are always excluded from bonuses at all firms, for legal reasons. That's interesting. Do you happen to know what those legal reasons are? I don't remember, unfortunately. It had to do with legal/taxation, in that they are treated similarly...
by snowman
Thu May 14, 2020 3:39 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2424
Views: 401924

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

EnjoyIt wrote: Thu May 14, 2020 11:01 am Does this include solo 401k as well?
No. Solo 401k accounts are always excluded from bonuses at all firms, for legal reasons.
by snowman
Thu May 14, 2020 3:37 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 87
Views: 4292

Re: New Brake Pads

FWIW, I used to use Centric premium rotors and Akebono pads, really good combo for about $100/axle bought on Amazon, plus hardware kit and grease. Now I go for Advanced Auto/Carquest Platinum rotors and pads - $90 with online coupon, minus $25 MIR, $65 total/axle. And the pads come with with all ha...
by snowman
Wed May 13, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 87
Views: 4292

Re: Changing Brake Pads

OP, you started identical thread last week, and got lot's of suggestions but never came back:

viewtopic.php?f=11&t=314203

Why start a new thread now?
by snowman
Mon May 11, 2020 4:52 pm
Forum: Investing - Theory, News & General
Topic: New college graduates - what's the job situation?
Replies: 12
Views: 2523

Re: New college graduates - what's the job situation?

My son graduated last year (ME), but his buddy went the co-op route and graduated last week. His job offer got rescinded, so he is back living with his parents, and he is not happy...
by snowman
Mon May 11, 2020 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Layoff Imminent, seeking guidance.
Replies: 56
Views: 7430

Re: Layoff Imminent, seeking guidance.

While it’s always good to be prepared to lose a job today, I would not be so sure that layoff is imminent. While I would not trust a word that management says (it’s their duty to keep the workforce fully productive), I do know they will not be dropping any clues to their workers either. All I am say...
by snowman
Mon May 11, 2020 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Easy $200 from Penfed?
Replies: 52
Views: 5591

Re: Easy $200 from Penfed?

Those who've successfully done bonuses that require debit card purchases, are you using the debit card online via the VISA/MC network, or if not, how are you setting it up? E.g. on amazon to do a reload. This is my first time doing any kind of debit card related bonus (requires 5x debit card charge...
by snowman
Sat May 09, 2020 10:05 am
Forum: Personal Consumer Issues
Topic: Rocks or Mulch?
Replies: 37
Views: 2115

Re: Rocks or Mulch?

Thanks for providing the picture, explains a lot. First off, landscape fabric is a terrible idea on a slope this steep. If you put mulch on top of it, it will quickly find its way down to the bottom by existing bushes. Plus, the wind will blow it around since it cannot stick to the ground due to bei...
by snowman
Thu May 07, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 87
Views: 4292

Re: New Brake Pads

It's really hard to put pads into a caliper in a way that will compromise safety. If you somehow managed to, I would expect that it would be impossible to put back on, so you would be obligated to fix it before putting everything back together. From a safety perspective, you should primarily be con...
by snowman
Thu May 07, 2020 2:42 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 87
Views: 4292

Re: New Brake Pads

Aside from allowing a jacked up car to fall on me, are there any other safety issues I should be concerned about in doing this myself that a basic YouTube video may miss? I'm mostly concerned at barrelling into something at high speed with no brakes. It's really hard to put pads into a caliper in a...