Search found 737 matches

by arf30
Sat Nov 02, 2019 3:13 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 92
Views: 16764

Re: Chase $750 for depositing 75K

I wouldn't risk moving securities, only money market funds and cash. You'll avoid the brokerage $75 outgoing transfer fee as well this way.
by arf30
Sun Oct 27, 2019 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1665
Views: 240486

Re: Fidelity as a one stop shop

Looks like there's a new website for managing debit cards off of the cash manager section of the site (fidelitydebitcards.com), I'm able to view ATM and debit limits but not modify them.
by arf30
Sun Oct 27, 2019 8:51 am
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 339
Views: 27379

Re: Customer Service with Vanguard

In my experience customer service is fine with handling a regular taxable brokerage account. Anything more "complicated", like tax advantaged accounts, retirement accounts, trusts etc is where they start bungling things and we've moved those types of accounts elsewhere.
by arf30
Fri Oct 25, 2019 6:37 pm
Forum: Personal Investments
Topic: Best Single Entity for Investments + Cash + Banking
Replies: 39
Views: 3629

Re: Best Single Entity for Investments + Cash + Banking

If you need physical branches your options are basically BofA, Chase, Wells, Citi. If not, Schwab or Fidelity (their offices don't do banking).
by arf30
Thu Oct 24, 2019 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Card Bonus for Adding A User, Anybody Know what happens next?
Replies: 17
Views: 1354

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

2000 points is $20, not $40. The card earns 2 points per 1 dollar spent and redeems at 1 cent per point.
by arf30
Wed Oct 23, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: Restaurant suggestions for business dinner in Oklahoma City
Replies: 21
Views: 1747

Re: Restaurant suggestions for business dinner in Oklahoma City

Hefner Grill (on Hefner lake) is a popular choice when I'm in OKC on business.
by arf30
Wed Oct 23, 2019 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card for 2 mil+ in annual spending?
Replies: 60
Views: 7142

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

You should probably have a couple business credit cards for backup purposes as they can have higher limits than personal cards with less hassle from the bank, AMEX especially.
by arf30
Tue Oct 22, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: Need recommendation for Black French Door Refigerator
Replies: 9
Views: 793

Re: Need recommendation for Black French Door Refigerator

I had the same situation as you and have two observations: 1. The fridge isn't actually black, but a darkish grey, and doesn't really match our other existing black appliances (including GE oven and microwave) 2. Get the GE Profile version of this fridge, it uses a much better compressor and cooling...
by arf30
Tue Oct 22, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard checking -- Use it or lose it
Replies: 76
Views: 6662

Re: Vanguard checking -- Use it or lose it

vg55 wrote: Tue Oct 22, 2019 8:28 am I apparently had been informed in an email with the subject line "important information about your check writing service." But I did not open and read the email.
This made me laugh, but then I realized I don't read emails like this either.
by arf30
Mon Oct 21, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: My Two Factor Auth at Fidelity Stopped Working
Replies: 2
Views: 470

Re: My Two Factor Auth at Fidelity Stopped Working

You can use an ingocnito browser window when logging in to require the code every time and prevent the cookie from being saved to your system. However if you're worried about someone breaking into your house it's better to lock your computer when away from the keyboard and make sure full-disc encryp...
by arf30
Sun Oct 20, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1665
Views: 240486

Re: Fidelity as a one stop shop

Fidelity and Schwab are basically the two best ATM cards for international travel, I would keep both.
by arf30
Sun Oct 20, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Bank Promotions and Direct Deposits
Replies: 12
Views: 1744

Re: Bank Promotions and Direct Deposits

The secret is that you don't use your employer's direct deposit: www.doctorofcredit.com/knowledge-base/l ... t-deposits
by arf30
Thu Oct 17, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: LG Refrigerator/Freezer lack of service saga
Replies: 39
Views: 3312

Re: LG Refrigerator/Freezer lack of service saga

I believe Samsung and GE appliances are both made by Haier in China (they're almost identical in design). That said our 2 year old GE Profile fridge has had zero issues. While I was doing fridge research I learned that there's basically no good refrigerator brands unless you go super high end.
by arf30
Thu Oct 17, 2019 2:13 pm
Forum: Investing - Theory, News & General
Topic: Schwab to allow fractional stock trading (WSJ)
Replies: 50
Views: 6964

Re: Schwab to allow fractional stock trading (WSJ)

Hope this paves the way for purchase by dollar amount and auto investing.
by arf30
Mon Oct 14, 2019 2:44 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 92
Views: 16764

Re: Chase $750 for depositing 75K

Leesbro63 wrote: Mon Oct 14, 2019 2:36 pm Could it be because my credit is locked?
Yup, sounds like your credit lock is working.
by arf30
Mon Oct 14, 2019 11:14 am
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 92
Views: 16764

Re: Chase $750 for depositing 75K

it said that they could not open an account for me online and that I'd get more info in the mail. Anyone encounter this? It means your application was rejected. By law they have to provide the reason(s) which is what you'll get in the mail. https://www.thebalance.com/denied-credit-card-application-...
by arf30
Sat Oct 12, 2019 8:16 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 92
Views: 16764

Re: Chase $750 for depositing 75K

Chase typically claws back the bonus if the account is closed within 6 months for their other checking/savings bonuses. The fine print on this one says to maintain a 75k balance for 90 days but doesn't say anything specific about a closing date, so I'm suspicious. I guess you could always downgrade ...
by arf30
Fri Oct 11, 2019 5:39 pm
Forum: Personal Investments
Topic: Does Fidelity have a performance view?
Replies: 68
Views: 10346

Re: Does Fidelity have a performance view?

That link doesn't work for me - I meet the asset requirements but don't have the performance tab. It doesn't mention that I'm a premium client anywhere either so that may be the issue.
by arf30
Fri Oct 11, 2019 9:07 am
Forum: Investing - Theory, News & General
Topic: Payment for Order Flow
Replies: 7
Views: 768

Re: Payment for Order Flow

This link shows which brokerages accept payment: https://www.stockbrokers.com/guides/order-execution

From what I've read it's generally not an issue for the average investor as the difference is usually only a few extra cents per trade and things like price improvement have a bigger impact.
by arf30
Thu Oct 10, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?
Replies: 64
Views: 5156

Re: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?

That's a bit high, recently paid $350 for the same service on a WRX which has slightly larger brakes. Subaru traction control tends to chew up rear brakes as it likes to brake the inside wheel during cornering.
by arf30
Thu Oct 10, 2019 7:22 pm
Forum: Personal Investments
Topic: Vanguard - Benefits of maintaining 500K balance
Replies: 12
Views: 3151

Re: Vanguard - Benefits of maintaining 500K balance

There's no difference in my experience, you either get a regular Vanguard rep or you can optionally have someone call you back from the Flagship representative team if you're Flagship or higher.
by arf30
Thu Oct 10, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Disadvantages of a bank signup bonus
Replies: 46
Views: 4961

Re: Disadvantages of a bank signup bonus

After doing a few of these, I decided the mental hassle of tracking a bunch of extra accounts and having to leave money sitting in them for X amount of time wasn't worth a few hundred dollars here and there. (But to each their own)
by arf30
Tue Oct 08, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Returned first iPhone; are they all like this?
Replies: 27
Views: 3559

Re: Returned first iPhone; are they all like this?

I'm an Android person myself but if I wanted to try an iPhone I'd get the newest model to make it a fair comparison.
by arf30
Sat Oct 05, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Fidelity 2FA with google voice not working
Replies: 15
Views: 1932

Re: Fidelity 2FA with google voice not working

I disable SMS 2FA on my Google accounts in favor of the more secure options and use Google Voice for accounts that require SMS 2FA. Google Voice does work for me at Fidelity. It's also worth enabling a SIM PIN lock on your SIM card (found in your phone settings) in case your phone is stolen and they...
by arf30
Fri Oct 04, 2019 8:32 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 17796

Re: How many are switching from Fidelity?

Vanguard already has free ETFs, but if someday I wanted stocks and options I'd probably open a Schwab account to do that stuff there and leave my existing investments at Fidelity and Vanguard where they are.
by arf30
Thu Oct 03, 2019 6:07 pm
Forum: Investing - Theory, News & General
Topic: E-Trade joins the party $0 commission
Replies: 37
Views: 3913

Re: E-Trade joins the party $0 commission

I wonder if part of Fidelity's agreement with Blackrock is they can't offer other fund companies at zero commission.
by arf30
Thu Oct 03, 2019 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank canceling credit cards??
Replies: 29
Views: 5031

Re: Chase Bank canceling credit cards??

Chase is definitely one of the more shutdown happy banks, it's also a good reason in general to do credit cards/checking/savings/investments at different places.
by arf30
Wed Oct 02, 2019 9:54 am
Forum: Investing - Theory, News & General
Topic: If you use Vanguard (Brokerage), why do you stay?
Replies: 58
Views: 7404

Re: If you use Vanguard (Brokerage), why do you stay?

Vanguard is still king for mutual fund investors - they just automatically invest on a schedule from my checking account without me thinking about it, and we store extra cash in their money market funds. I never got the hype with ETFs - seems like a lot of extra work for no reason.
by arf30
Tue Oct 01, 2019 8:34 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges
Replies: 106
Views: 11782

Re: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges

Other brokerages like Robinhood have proven this model profitable through securities lending, payment for order flow, etc so I wouldn't be worried about Schwab. They wouldn't have made the change if it wasn't going to make money and it brings in new customers to use higher margin products.
by arf30
Mon Sep 30, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: Ants immune to Terro or just lots of ants?
Replies: 38
Views: 8187

Re: Ants immune to Terro or just lots of ants?

I've never had luck with the Terro traps, only poison traps like Raid.
by arf30
Mon Sep 30, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 170
Views: 25582

Re: Chase Sapphire checking 1000$ offer

Seems like a good bonus, they will send you a 1099 for the 1k and you'll need to pay taxes on it (vs credit card bonuses which are considered rebates and usually not taxed). The big catch is the YouInvest brokerage doesn't correctly support SpecId cost basis correctly for assets that are transferred...
by arf30
Sat Sep 28, 2019 8:07 pm
Forum: Personal Investments
Topic: Heads-up: Vanguard Federal MM higher TEY than Prime/Treasury MM for many
Replies: 11
Views: 2821

Re: Heads-up: Vanguard Federal MM higher TEY than Prime/Treasury MM for many

I believe VUSXX is always better than VMFXX for NJ residents in higher brackets as it's 100% tax exempt, VMFXX would have to be quite a lot higher in yield than its makeup allows for.
by arf30
Sat Sep 28, 2019 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity rewards Visa, affiliate data sharing.
Replies: 11
Views: 1688

Re: Fidelity rewards Visa, affiliate data sharing.

drawpoker wrote: Sat Sep 28, 2019 5:42 pm My conclusion: Fidelity had to have been feeding the balances in my IRA accounts to Elan, or whatever bank you say, is behind their Visa card.
Everyone gets at least a 25k limit on the Fidelity card, I got it before I had any balance with them.
by arf30
Fri Sep 27, 2019 8:13 pm
Forum: Personal Investments
Topic: Vanguard Site Super Slow for Transactions
Replies: 11
Views: 1369

Re: Vanguard Site Super Slow for Transactions

I've noticed the slowness as well when logging in and viewing balances, seems to be mainly when markets are open - possibly an overwhelmed backend system or database.
by arf30
Fri Sep 27, 2019 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: New Credit Card Search - 2 Front Runners?
Replies: 46
Views: 10097

Re: New Credit Card Search - 2 Front Runners?

I keep it simple with a 2% card as a base (Fidelity or Double Cash), Quicksilver 1.5% as a backup/travel card (no foreign transaction fees, automatic redemption), then sprinkle in one or two more cards for your specific situation (Chase Amazon is my personal choice for 5% Amazon and Whole Foods) lik...
by arf30
Thu Sep 26, 2019 9:01 am
Forum: Personal Investments
Topic: Fidelity money market fund
Replies: 20
Views: 3183

Re: Fidelity money market fund

I'm a Fidelity fan but their MM funds aren't the best - I use VUSXX (Treasury MM) at Vanguard to park cash, currently 1.95% compound yield without having to mess with ladders and TBills directly (no offense to those who do).
by arf30
Tue Sep 24, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Q4 category - how to use? [2019]
Replies: 55
Views: 37278

Re: Chase Freedom Q4 category - how to use? [2019]

The fact that only the first $1500 earns the 5% cashback is why I never bothered with these cards, I'm surprised they're so popular.
by arf30
Tue Sep 24, 2019 6:22 am
Forum: Personal Finance (Not Investing)
Topic: Marcus by Goldman -- Questions on security
Replies: 4
Views: 946

Re: Marcus by Goldman -- Questions on security

Lack of alerts have become a deal breaker for me, they're the first line of defense against fraud. Recently switched banks because our local bank of 15+ years didn't support alerts.
by arf30
Sun Sep 22, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Best places to live to raise a family (cost doesn't matter)
Replies: 95
Views: 10028

Re: Best places to live to raise a family (cost doesn't matter)

After California maybe New Jersey - #2 public schools in the country, close proximity to Manhattan (culture, dining, job markets) and the beach. Also has several of the richest/nicest zip codes in the US.
by arf30
Sun Sep 22, 2019 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: How does a bank make money off you? How to ensure they don't
Replies: 69
Views: 8639

Re: How does a bank make money off you? How to ensure they don't

The easiest way to make sure is to hold your assets at a discount brokerage and just use the bank for basic checking.
by arf30
Sun Sep 22, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: Someone stole my wife's phone number (ie. ported to another carrier)
Replies: 57
Views: 7384

Re: Someone stole my wife's phone number (ie. ported to another carrier)

My DW and I are on Corporate plans. I happen to be the admin for it on my company. I need to "authorize any movement of numbers to/from our plan. The link posted earlier in this thread it describes how thieves bypass security like this - either through employees who have administrative level access...
by arf30
Sun Sep 22, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: Someone stole my wife's phone number (ie. ported to another carrier)
Replies: 57
Views: 7384

Re: Someone stole my wife's phone number (ie. ported to another carrier)

This is pretty scary and it doesn't appear any carrier has good defenses in place against it - the attackers just keep trying until they get a customer service rep who ignores the security/verification questions lets them port the number out - or the customer service rep is in on it.
by arf30
Sat Sep 21, 2019 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 111
Views: 9296

Re: BofA ShopSafe going away

With an OS as far out of date security wise as XP I'm not sure worrying about virtual card numbers matters.
by arf30
Sat Sep 21, 2019 3:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total World Stock ETF (VT) gets some competition
Replies: 10
Views: 3055

Re: Vanguard Total World Stock ETF (VT) gets some competition

Unless I'm reading it wrong, the AWCI etf hold 1,426 stocks, vs 8,202 in VT/VTWAX, which I'm guessing means it's more of a global large cap than a global total market.
by arf30
Wed Sep 11, 2019 4:34 pm
Forum: Personal Investments
Topic: Hold Physical Cash if Rates Go Negative?
Replies: 39
Views: 5185

Re: Hold Physical Cash if Rates Go Negative?

I'm curious how the average American would react to banks deducting interest from their checking/savings accounts, I'm guessing it would be a national freak out for a few weeks until everyone gets used to it. The better online banks will probably keep their rates at zero.
by arf30
Mon Sep 09, 2019 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Banks requiring fingerprint on a check for non-customers to receive cash
Replies: 87
Views: 6805

Re: Banks requiring fingerprint on a check for non-customers to receive cash

I'm surprised a bank will just let someone walk in with a check and walk out with cash, usually when I deposit one they put a hold on the funds for a few days.
by arf30
Sat Sep 07, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 111
Views: 9296

Re: BofA ShopSafe going away

I've been using the capital one virtual card numbers for things like gym memberships that will "accidently" bill you the month after you cancel. I'm surprised this isn't a more widespread feature.
by arf30
Fri Sep 06, 2019 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: A brief report on a meeting with a Chase Private Client Banker
Replies: 22
Views: 5271

Re: A brief report on a meeting with a Chase Private Client Banker

I've read that you can opt for the JP Morgan self directed brokerage account (different from YouInvest) when signing up for CPC, but you have to sit through the managed account sales pitch first. It seems like a lot of effort for a $1200 bonus but could be worth it for a relationship mortgage rate.