Search found 934 matches

by snowman
Thu Nov 14, 2019 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Disturbing experience with Ally Bank
Replies: 37
Views: 4774

Re: Disturbing experience with Ally Bank

I recently had to wait a WEEK (banking holiday and weekend in between) to have a 1000 dollar ACH transfer to go through at Fidelity. Caused my to have to withdraw from ATM multiple times costing 12 or so dollars. Afraid they are not the ultimate solution. In my experience, Fidelity is the best ther...
by snowman
Thu Nov 14, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Disturbing experience with Ally Bank
Replies: 37
Views: 4774

Re: Disturbing experience with Ally Bank

Not that it helps now, but it's generally better to "push" from the origin bank, less likely to trip fraud algorithms (this is fairly well known in the bank bonus community as they move money often). Chase is notorious for doing this. As a member of the bank bonus community, I wholeheartedly agree ...
by snowman
Wed Nov 13, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 112
Views: 8603

Re: H&R BLOCK Pre-Order 2019 Software Offer

I signed up for freetaxusa.com but it still only has the 2018 returns, do you happen to know when they release the 2019 version? Don't know, but they tend to come out just a few days before TT or HRB. From Fretaxus : 2019 limited version is usually available by December. The full version will be av...
by snowman
Mon Nov 11, 2019 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Changing health insurance mid-year
Replies: 2
Views: 280

Re: Changing health insurance mid-year

Yes, you loose your deductible. I recommend you call Cigna to double check. I am in CO (so your future neighbor) and have been on ACA since the beginning. Been with Kaiser first, now with Cigna EPO. There are definitely differences between the two, as you would expect. If you want more details, feel...
by snowman
Mon Nov 11, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity - promotion bonus
Replies: 43
Views: 6191

Re: Fidelity - promotion bonus

This is entirely too much work and complication for a small amount of money relative to the amount you have invested. Silly. For $2,500 it took a few minutes of my time. Literally. An in-kind transfer couldn't be more simple. What do you do that you earn $2,500 for a few minutes? I'll take the mone...
by snowman
Mon Nov 11, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone received a retention offer from Merrill Edge to stay?
Replies: 3
Views: 746

Re: Anyone received a retention offer from Merrill Edge to stay?

I asked TDA for retention bonus, was told no. Transferred assets to ME, collected the bonus, then transferred back to TDA, and collected another bonus (bigger than the retention amount I originally asked for). I say give it a try if you really want to stay with ME for some reason, otherwise it's jus...
by snowman
Fri Nov 08, 2019 2:46 pm
Forum: Personal Investments
Topic: Asset Allocation for my 30 yr old daughter
Replies: 13
Views: 947

Re: Asset Allocation for my 30 yr old daughter

My kids are younger than your D, but I told them to decide on US/international split and stay with it forever, and not to worry about bonds until they get to their 40s. I don't see the point of owning bonds until later in life if you have high risk tolerance, but I do realize on this board people li...
by snowman
Thu Nov 07, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Amica - Auto Policy, only 6 months
Replies: 37
Views: 2439

Re: Amica - Auto Policy, only 6 months

I am in CO. When I was making changes to my existing policy back in May, agent I spoke with told me Amica is switching from 1 year to 6 month policy in the fall. Sure enough, my renewal is now 6 months.
by snowman
Thu Nov 07, 2019 10:26 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 112
Views: 8603

Re: H&R BLOCK Pre-Order 2019 Software Offer

Zephavest wrote:
Thu Nov 07, 2019 7:10 am
I signed up for freetaxusa.com but it still only has the 2018 returns, do you happen to know when they release the 2019 version?
Don't know, but they tend to come out just a few days before TT or HRB.
by snowman
Wed Nov 06, 2019 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 112
Views: 8603

Re: H&R BLOCK Pre-Order 2019 Software Offer

Hi snowman, Great review, thank you. I read one review that said they thought the HRB navigation was to linear, step A, then B, etc., it seemed to infer you could not jump around but your experience says otherwise? Not sure where that opinion came from. It's as easy to jump around HRB as it is with...
by snowman
Wed Nov 06, 2019 10:47 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 112
Views: 8603

Re: H&R BLOCK Pre-Order 2019 Software Offer

Turbotax was just released this morning and as always I purchased the 2019 Home & Business from Amazon. When I got to the "Retirement Income Area", at that point I got a message "we expect this form to be ready on 1/15/2020. WHAT, it seems Turbotax is now run by young software people that have neve...
by snowman
Thu Oct 31, 2019 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: $500 KeyBank bonus worth it?
Replies: 17
Views: 1687

Re: $500 KeyBank bonus worth it?

Yes, it's absolutely worth it! We have done 4 KeyBank bonuses this year, all without DD. In the spring, my wife and I went for the $300 bonus. It was quick and easy, bonus received less than 3 weeks from account opening date. In the summer, got another direct mailer at my house, this time for $400. ...
by snowman
Mon Oct 21, 2019 10:46 am
Forum: Investing - Theory, News & General
Topic: Merrill Edge Unlimited $0 Trades
Replies: 13
Views: 1343

Re: Merrill Edge Unlimited $0 Trades

It appears Preferred Rewards customers now have unlimited commission-free trades. For "regular" customers, it appears online commission was lowered from $6.95 to $2.95 per trade.
by snowman
Sun Oct 13, 2019 2:28 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1968
Views: 326533

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Do you guys know from experience if this is allowed to collect the bonus at ME? I opened new Rollover IRA and funded it April 2018. Bonus showed up 3 months later. I moved the account back to TDA last month, and there is some residual money left in the account. Is it possible to keep that account o...
by snowman
Sun Oct 13, 2019 2:22 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1968
Views: 326533

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Not a bad Schwab bonus, https://www.schwab.com/public/schwab/nn/refer-prospect.html You do need a referral. Thank you. Got the latest Merrill bonus 2 weeks ago, and was just wondering where to move my IRA next. Opened my first ever Schwab account last week using this link. I find $300 bonus for $50...
by snowman
Fri Oct 11, 2019 6:36 pm
Forum: Personal Consumer Issues
Topic: Disadvantages of a bank signup bonus
Replies: 46
Views: 4307

Re: Disadvantages of a bank signup bonus

I absolutely love bank bonuses, don't see any disadvantage. Since we are low income, it's a very nice supplement. The only 2 requirements to play the game successfully are being organized, and ability to read and follow the rules. Spreadsheet, as mentioned above, is absolutely essential! I would not...
by snowman
Tue Oct 01, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA non custodial parent and AOTC
Replies: 7
Views: 522

Re: FAFSA non custodial parent and AOTC

OP,

I don't know the answer to your question, but you will have better luck on collegeconfidential website. Go to Financial Aid Forum, read existing posts, use the search function, or make your own thread. I am positive you will find your answer there.
by snowman
Wed Sep 25, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Long Term FAFSA/College Strategy
Replies: 150
Views: 8730

Re: Long Term FAFSA/College Strategy

University of Florida gives $500 to NMF. A far cry from free ride. https://admissions.ufl.edu/afford/scholarships Vulcan, you are incorrect. If you just click on "Learn More" in the link you posted, you would have learned that UF does indeed offer "free ride". The official language is that the scho...
by snowman
Wed Sep 25, 2019 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Long Term FAFSA/College Strategy
Replies: 150
Views: 8730

Re: Long Term FAFSA/College Strategy

University of Florida gives $500 to NMF. A far cry from free ride. https://admissions.ufl.edu/afford/scholarships Vulcan, you are incorrect. If you just click on "Learn More" in the link you posted, you would have learned that UF does indeed offer "free ride". The official language is that the scho...
by snowman
Mon Sep 23, 2019 1:26 pm
Forum: Personal Investments
Topic: Buying ishares: Fidelity vs Vanguard
Replies: 14
Views: 1182

Re: Buying ishares: Fidelity vs Vanguard

For me personally, having accounts at both places, I can tell you I much prefer Fidelity over Vanguard. So buying IXUS at Fidelity is a no-brainer to me.
by snowman
Mon Sep 23, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Long Term FAFSA/College Strategy
Replies: 150
Views: 8730

Re: Long Term FAFSA/College Strategy

3) At some point along the line, if a CSS profile school is on the horizon, maybe when your oldest is in middle school, either mortgage your home to the hilt, or sell it and rent. Most CSS profile schools will assume a certain percentage of your home's equity to be used to pay for school each year,...
by snowman
Sat Sep 21, 2019 10:59 am
Forum: Investing - Theory, News & General
Topic: Market/Limit Orders
Replies: 39
Views: 2344

Re: Market/Limit Orders

I have not had any problem thus far having these market orders filled instantly when placed. Thats because ETF volume has no bearing on liquidity. vineviz, Could you please explain further. Isn't a greater number in volume make the fund more liquid? More volume = more traders? OP, you seem to be co...
by snowman
Sat Sep 21, 2019 10:51 am
Forum: Personal Investments
Topic: Roth IRA - Contributing too much too soon? (21 y/o)
Replies: 25
Views: 2188

Re: Roth IRA - Contributing too much too soon? (21 y/o)

Best to treat Roth IRA as a retirement account as it is intended to be, and not touch it prior to age 59.5. I agree with your point, but I also say it's different for young people just starting out their career. Their salaries are relatively low, so it costs them higher proportion of their income t...
by snowman
Fri Sep 20, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Opening New Savings Account - Citi (2.36%) vs CIT (2.30%)?
Replies: 25
Views: 3086

Re: Opening New Savings Account - Citi (2.36%) vs CIT (2.30%)?

I would avoid both. Here is what I do with my money where interest is important (I have less than $20K in cash): 1. MMF. Mine is at Fidelity currently earning about 2%, but it's also free checking account, free ATMs, etc. Obviously, Vanguard prime MMF is a solid choice for pure savings. 2. High yiel...
by snowman
Fri Sep 20, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 167
Views: 10664

Re: How hard is it to get into college?

Calico, I hope I didn’t steer you the wrong way back in February, when you posted about being able to afford paying for your daughter’s college education. I bet the “other forum” is college confidential, and it can be a brutal place, especially in college admissions section. I would not even look th...
by snowman
Fri Sep 20, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1202
Views: 147543

Re: Fidelity as a one stop shop

Interesting. I churn bank accounts to get bonuses, so I've entered 4-5 bank accounts into Fido within the last few months and I've either been able to use the online login to verify, they didn't require verification, or they've used micro-deposits. I've never been asked to upload a check (and I don...
by snowman
Thu Sep 19, 2019 12:09 pm
Forum: Investing - Theory, News & General
Topic: Market/Limit Orders
Replies: 39
Views: 2344

Re: Market/Limit Orders

I have been doing this for 20+ years. Yes, there are times when my limit order doesn't execute that day, and that's OK. I knew why I placed limit order, and I can always update it or cancel it or make a new one next day. However, 99% of the time, market order is fine, as I only trade high volume ind...
by snowman
Tue Sep 17, 2019 1:38 pm
Forum: Personal Investments
Topic: TD Ameritrade Money Market Options
Replies: 88
Views: 18544

Re: TD Ameritrade Money Market Options

Is there a web link to the new list? Not that I know of, but I got there by following steps given in email: To see a list of the funds that will be available for purchase, you can log in to your account starting next Monday after market close and go to Research & Ideas > Mutual Funds > Families > M...
by snowman
Tue Sep 17, 2019 9:14 am
Forum: Personal Investments
Topic: TD Ameritrade Money Market Options
Replies: 88
Views: 18544

Re: TD Ameritrade Money Market Options

I got the email too. There's a link in the email too their new mutual fund just. PVOXX and PCOXX are on the new list so we should be good. Got the same email, and knew immediately what it means - PCOXX will not be on the list of new MMFs offered. It was really sneaky how they worded email - "The ch...
by snowman
Mon Aug 26, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1202
Views: 147543

Re: Fidelity as a one stop shop

I have the need to give a relative some money on a regular basis. Why not use the CMA's billpay feature to send him a check? --vtMaps Agree, unless said relative wants cash only (for whatever reason). Another option would be for said relative to open his/her own Fidelity CMA account, give you the a...
by snowman
Tue Aug 20, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1202
Views: 147543

Re: Fidelity as a one stop shop

Are there any B&M banking needs that you can take care of at BoA, but can’t by walking into a Fidelity? I use both BoA (checking only, not even savings) and Fidelity for everything else. It sure would be nice to simplify down to using Fidelity for everything. I’m not quite ready to do that.... Fide...
by snowman
Mon Aug 19, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: Replacing brake pads in a Honda CRV 125,000 miles
Replies: 34
Views: 2337

Re: Replacing brake pads in a Honda CRV 125,000 miles

This is really cheap DIY job, $100/axle with rotors and pads of higher quality than Honda OEM. If you were near me I would do it with you so you can see how easy it is. If you are not mechanically inclined, use reputable independent mechanic. They will use quality parts (so people don't come back wi...
by snowman
Tue Aug 06, 2019 8:19 am
Forum: Personal Investments
Topic: Ally & Marcus Dropping Some Interest Rates (Title Edited 8-8-19)
Replies: 59
Views: 8628

Re: Ally Dropping Interest Rate on their Online Savings Account 8-6-19

I am with LMCU, 3% HY checking. Super easy to meet conditions. $15K cap.
by snowman
Sat Jul 27, 2019 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity check images of deposits
Replies: 5
Views: 921

Re: Fidelity check images of deposits

Does anyone know if there is a way to see the check images of checks that we deposit via the fidelity mobile app? I can’t find a way. Does anyone else find that a pain or is it just me? I actually keep a second checking account for this very reason and deposit my checks in that second checking acco...
by snowman
Thu Jul 25, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: Accord approaching 100k miles, how to push it beyond
Replies: 45
Views: 5144

Re: Accord approaching 100k miles, how to push it beyond

2003 Accord V6 here with 240K miles. I do my own maintenance per manual, no need to complicate it further. 100K miles is barely broken in for an Accord. The only thing outside of standard maintenance items I had to do was replace an alternator at 150K miles, and starter at 180K miles. Just follow th...
by snowman
Thu Jul 25, 2019 10:56 am
Forum: Personal Investments
Topic: Teenage Son Wants to Start Investing
Replies: 27
Views: 1703

Re: Teenage Son Wants to Start Investing

If he is 18 he can open Vanguard Roth account online in 5 minutes (unless you live in a state where legal age is 21 in which case you would open custodian Roth IRA for him). Minimum amount to open account is $0. He can set up link between his checking acct and Roth IRA and make deposits that way qui...
by snowman
Thu Jul 25, 2019 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer service declining?
Replies: 17
Views: 2172

Re: Fidelity customer service declining?

OP, to answer your question, yes - these are unusual situations. Specifically for q#2, seems like all firms struggle with that. One would think there is a process for that, but there isn't, even if it's internal renaming of account (Vanguard). I had frustrating experience with both of my kids' accou...
by snowman
Wed Jul 17, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1202
Views: 147543

Re: Fidelity as a one stop shop

Property taxes 17-18k but MD charges a fee of 2.25% of total to use cc for payment. I would still consider CC. The fees total about $400. If you split the payment among 4 cards with big signup bonus each, you could earn $2K+ for not much work, all tax-free. I would at least give it consideration if...
by snowman
Sun Jul 14, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1202
Views: 147543

Re: Fidelity as a one stop shop

Good morning, I recently moved my HSA to fidelity and then happened upon this post. I then opened a CMA with fidelity. I am hesitant to pull the trigger on funding the account. The ER for the MM at fidelity is .47 and with VG is .16. We are only talking 30k or so, part of my Emergency fund. I initi...
by snowman
Thu Jul 11, 2019 10:01 am
Forum: Personal Investments
Topic: New Military recruit needs help with TSP
Replies: 18
Views: 1844

Re: New Military recruit needs help with TSP

My son will go through that process in 3-4 weeks, and I expect him to see 60% contribution limit to Roth TSP per Nords post last December in the thread warner25 already referenced above. I am not sure what the maximum is if contributions are split between traditional and Roth, we will find out. My p...
by snowman
Wed Jul 10, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Another NFCU CD deal [Navy Federal Credit Union]
Replies: 34
Views: 4715

Re: Another NFCU CD deal

Got this offer today. Just sharing here if people are interested. 3.0% for 7 or 25 months.

https://www.ent.com/3percent
by snowman
Wed Jul 10, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: Pickup truck issue!!
Replies: 39
Views: 3232

Re: Pickup truck issue!!

How does that work, a dealer taking in a deleted truck? Seems they'd need to restore it to stock before legally selling it. That would hit your trade in value! Dealer cannot legally sell deleted truck - that's the first thing they check. I am not even aware of the dealer in my area that would accep...
by snowman
Sun Jun 16, 2019 10:22 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 355
Views: 44116

Re: How Bad was 2008, really?

08 was bad. Really bad. 2000-02 was a piece of cake compared to 08. Not if you worked in tech or finance related to technology. I agree at a total economy level. The systemic risks of total financial collapse in 2008 were 100x greater. Agree with Valuethinker. I was in tech at that time, and it was...
by snowman
Thu Jun 13, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Best prepaid debit card for a teen
Replies: 23
Views: 1468

Re: Best prepaid debit card for a teen

Our setup was with Capital One: teenager gets her own checking account with free debit card, plus up to 2 savings accounts. I had the same - checking and savings. I could see and transfer money in and out of any account; teenager could only see and transfer money between her own accounts (like from ...
by snowman
Wed Jun 12, 2019 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1202
Views: 147543

Re: Fidelity as a one stop shop

My biweekly paycheck is memo posted and available for trading and withdrawal in my Fidelity brokerage account on Thursdays at 7:30 am, a day before our “scheduled” payday on Friday. I'm surprised Fidelity lets you at the funds a day early. As I mentioned above, I see them at my credit union as a fu...
by snowman
Mon Jun 10, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1202
Views: 147543

Re: Fee Reimbursment

On fidelity.com/cma it says that the atm fee is reimbursed the same day - is this actually true? It's reimbursed next business day in my experience. So it should hit your account today, and you should see it posted tomorrow at the latest. I also encourage you to chat online with Fidelity CS - they ...
by snowman
Sun Jun 09, 2019 11:52 am
Forum: Personal Investments
Topic: considering opening a UTMA to reduce taxes... financial aid mistake?
Replies: 29
Views: 1478

Re: considering opening a UTMA to reduce taxes... financial aid mistake?

You didn't mention the Kiddie Tax for unearned income over $2,200 (2019) for a child under age 24 if a full time student. I'm not familiar with it, but I've read unearned income over $2,200 for a full time student child under 24 is taxed at the same rate for "trusts & estates". I don't know exactly...
by snowman
Tue Jun 04, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: What is considered new money for bank sign up bonuses?
Replies: 3
Views: 333

Re: What is considered new money for bank sign up bonuses?

Depends on the bank. I believe Cap1 does allow recycling the same money if my memory serves. Discover also worked this way. Perhaps review Doctor of Credit for tips/tricks on specific bank bonuses. Agree, correct answer is it depends, and Doc's website is the best source of available info. Banks ar...
by snowman
Tue Jun 04, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1202
Views: 147543

Re: Fidelity Cash Management Account - Anyone Use it?

I have the Brokerage routing/account setup at my banks too so I can transfer directly into it. Do you use your bank accounts to “pull” funds via ACH or wire transfer from Fidelity? Or vice versa? Just wondering if there is any difference in the time it takes for funds to be available at bank or Fid...