Topics created by Richard

If you’re self employed, can’t you also put in like a billion dollars into the 401K?

@skh12 said in Ebay selling question:

why is this in Finance?

Ha! Excellent question! I hadn’t noticed that and have moved it to Online Auctions. Thanks for the heads up.

@high-technology said in Capital One® accounts will move to E*TRADE® later this year:

There appears to be a targeted code of 900ME for 50% higher bonuses that is for retirement accounts only. Of course YMMV on the latter code.

It’s available to anybody who’s already a BOA Preferred Rewards member:
https://www.merrilledge.com/offers/900offer

@almighty1 said in Latest Bank Bonuses List:

Thanks, might want to mention the requirements or links for each of the offers.

This is going to be a long list for each link:
doctorofcredit.com/best-bank-account-bonuses/#Best_Checking_Account_Bonuses
doctorofcredit.com/best-bank-account-bonuses/#Citi_300_Bonus
doctorofcredit.com/best-bank-account-bonuses/#Bank_of_America_100_Bonus
doctorofcredit.com/best-bank-account-bonuses/#Charles_Schwab_100_Bonus
doctorofcredit.com/best-bank-account-bonuses/#Christian_Community_Credit_Union_8211_200_Bonus_8211Must_Be_A_Member_of_A_Christian_Ministry
doctorofcredit.com/best-bank-account-bonuses/#Best_Saving_Account_Bonuses
doctorofcredit.com/best-bank-account-bonuses/#Discover_Savings_150200_Bonus
doctorofcredit.com/best-bank-account-bonuses/#Chase_150_Savings_Bonus_8211_In_Branch
doctorofcredit.com/best-bank-account-bonuses/#Fidelity_Bank_100_Savings8211_Northeastern_PA_only
doctorofcredit.com/best-bank-account-bonuses/#First_Tennessee_100Savings_Middle_Tennessee_and_North_Carolina
doctorofcredit.com/best-bank-account-bonuses/#Best_Business_Bank_Bonuses
doctorofcredit.com/best-bank-account-bonuses/#Bank_of_America_2500_Business_Checking_Bonus_8211_Nationwide
doctorofcredit.com/best-bank-account-bonuses/#Wells_Fargo_300_Business_Checking_Bonus_8211_Almost_Nationwide
doctorofcredit.com/best-bank-account-bonuses/#MB_Financial_Bank_350_Business_Checking_8211IL_IN_or_PA
doctorofcredit.com/best-bank-account-bonuses/#PNC_Up_To_400_Business_Checking_8211OH_MI_FL_AL_GA_MD_KY_IN_PA
doctorofcredit.com/best-bank-account-bonuses/#SunTrust_200_Business_Checking_8211AL_AR_FL_GA_MD_MS_NC_SC_TN_WV_VA_and_DC_Only
doctorofcredit.com/best-bank-account-bonuses/#Chase_Business_Checking_300_Bonus
doctorofcredit.com/best-bank-account-bonuses/#Flushing_Bank_200_Business_Checking_Bonus_8211NY_NJ
doctorofcredit.com/best-bank-account-bonuses/#Provident_Credit_Union_150_In_Branch_Business_Checking_Bonus_8211_CA
doctorofcredit.com/best-bank-account-bonuses/#First_Tennessee_300_Business_150_Savings_In_Branch_Bonus
doctorofcredit.com/best-bank-account-bonuses/#Liberty_Bank_8211_100_Business_Checking_Bonus_8211CT_MA_RI
doctorofcredit.com/best-bank-account-bonuses/#Best_State_Specific_Bonuses
doctorofcredit.com/best-bank-account-bonuses/#SunTrust_Up_To_500_Checking_BonusAL_AR_FL_GA_MD_MS_NC_SC_TN_WV_VA_and_DC_Only
doctorofcredit.com/best-bank-account-bonuses/#HarborOne_Up_To_500_Checking_Bonus_MA_NH_ME_CT_VT_and_RI
doctorofcredit.com/best-bank-account-bonuses/#TD_Bank_up_To_300_Checking_Bonus_CT_DC_DE_FL_MD_ME_MA_NC_NH_NJ_NY_PA_RI_SC_VT_VA
doctorofcredit.com/best-bank-account-bonuses/#First_Bank_and_Trust_300_Checking_Bonus_8211LA_MS_FL
doctorofcredit.com/best-bank-account-bonuses/#Citadel_Banking_250_Checking_Bonus_8211_PA_Only_8211_No_Direct_Deposit_Required
doctorofcredit.com/best-bank-account-bonuses/#PNC_300400_Checking_Bonus_8211AL_DC_DE_FL_GA_IL_IN_KY_MD_MI_MO_NC_NJ_NY_OH_PA_SC_VA_WI_and_WV
doctorofcredit.com/best-bank-account-bonuses/#Huntington_Bank_8211_200_Bonus_8211_No_Direct_Deposit_8211OH_MI_IN_PA_KY_WV_IL_WI
doctorofcredit.com/best-bank-account-bonuses/#Associated_Bank_8211_150_Bonus_8211_No_Direct_Deposit_8211IL_MN_WI_only
doctorofcredit.com/best-bank-account-bonuses/#SunTrust_Bank_Up_To_300_Bonus_8211AL_AR_FL_GA_MD_MS_NC_SC_TN_WV_VA_and_DC
doctorofcredit.com/best-bank-account-bonuses/#KeyBank_Up_To_300_Bonus_8211NY_OH_CO_CT_PA_OR_WA_ME_UT
doctorofcredit.com/best-bank-account-bonuses/#My_Northwest_Bank_200_Bonus_8211PA_NY_MD_OH_only
doctorofcredit.com/best-bank-account-bonuses/#MB_Financial_Bank_250IL_IN
doctorofcredit.com/best-bank-account-bonuses/#Andigo_Bank_250_8211_IL_only
doctorofcredit.com/best-bank-account-bonuses/#Columbia_Bank_200_8211_NJ
doctorofcredit.com/best-bank-account-bonuses/#bankESB_East_Hampton_Savings_Bank_200_8211_Direct_Deposit_Not_Required_8211_MA_CT_RI
doctorofcredit.com/best-bank-account-bonuses/#Cincinnati_Federal_250_8211OH_KY_IN
doctorofcredit.com/best-bank-account-bonuses/#BMO_Harris_200_Checking_Bonus_8211AZ_FL_IL_IN_KS_MO_MN_and_WI
doctorofcredit.com/best-bank-account-bonuses/#FirstBank_200_8211_CA_AZ_CO
doctorofcredit.com/best-bank-account-bonuses/#Fulton_Bank_150_8211DE_DC_MD_NJ_PA_VA_8211_No_Direct_Deposit_Required
doctorofcredit.com/best-bank-account-bonuses/#HomeStreet_Bank_300_Bonus_8211_WA_CA_OR_ID_HI
doctorofcredit.com/best-bank-account-bonuses/#Tech_CU_150_Bonus_8211_CA_only
doctorofcredit.com/best-bank-account-bonuses/#Reliant_Community_Credit_Union_150_Checking_Bonus_8211_NY
doctorofcredit.com/best-bank-account-bonuses/#Santander_150_Checking_Bonus_8211NH_MA_RI_CT_DE_NY_NJ_or_PA
doctorofcredit.com/best-bank-account-bonuses/#Citizens_Bank_150_Checking_Bonuses_8211CT_DE_MA_MI_NH_NJ_NY_OH_PA_RI_VT
doctorofcredit.com/best-bank-account-bonuses/#Stoneham_Bank_130_Checking_Bonus_8211_MA_only
doctorofcredit.com/best-bank-account-bonuses/#Old_Second_Bank_125_Checking_Bonus_8211_IL
doctorofcredit.com/best-bank-account-bonuses/#Liberty_Bank_8211_100_Checking_Bonus_8211CT_MA_RI
doctorofcredit.com/best-bank-account-bonuses/#Crane_Credit_Union_150_8211_IN_only
doctorofcredit.com/best-bank-account-bonuses/#Fidelity_Bank_100_Checking_8211_Northeastern_PA_only
doctorofcredit.com/best-bank-account-bonuses/#Highly_Region_SpecificBranch_Specific
doctorofcredit.com/best-bank-account-bonuses/#Synovus_300_Checking_Bonus_Direct_Deposit_Not_Required_8211Atlanta_GA_Reynoldstown_Branch
doctorofcredit.com/best-bank-account-bonuses/#HomeStreet_Bank_8211_300_Eastern_WA_In_Branch_Only
doctorofcredit.com/best-bank-account-bonuses/#Rockland_Trust_Bank_250_Bonus_8211_Westwood_Branch_Only_8211_Direct_Deposit_Not_Required
doctorofcredit.com/best-bank-account-bonuses/#Star_One_Credit_Union_120_Checking_Bonus_60_Per_Referral_No_Bonus_Requirements_8211_Santa_Clara_CA_only
doctorofcredit.com/best-bank-account-bonuses/#Recent_Changes

@chyvan - Did you do a travel alert on the debit card first because that is probably what happened.

@richard Not what you asked but… a few years ago I received a letter from my State Tax Dept notifying me that a return had been filed in my name that they didn’t think was real. I confirmed that I hadn’t yet filed my taxes. State advised me to notify the IRS but before I had a chance to do that, the IRS notified me that a return had been filed in my name that they didn’t think was mine. Of course the false returns were looking for large refunds. This happened nationally, to thousands of folks.

So, I would just have in hand the documents they mentioned. They might want you to read a line entry from a previous return so they can confirm its really you.

When my SS# was mis-used I was in the process of re-financing. The lender wasn’t able to get a copy of my previous year’s return because of all this. So I had to call the IRS. I was on “hold” for literally an hour.

My advice for when you call them? Empty your bladder, pour yourself a cup of coffee, grab some snacks and get comfortable.

Another review of this deal, a reply from Bill C, Northpointe Bank and my comment at the end:

Posted by: Jarlath | Dec 7, 2017 | depositaccounts.com

Only $10,000 / Day Transfer To/From External Banks.

I was impressed with the 1.5% rate and was about to open an account. However, I then chatted with them regarding the dollar amount maximum transfer allowed to/from external linked banks. It is only $10,000. That is absurd considering most banks like this allow much more, like 100K to 250K.

So, only use this bank if you are willing to slowly deposit and withdrawal amounts under 10K.

Reply by Bill C, Northpointe Bank:

NorthpointeBank | Dec 7, 2017

Hi Jarlath,

I wasn’t able to locate the chat you reference but it sounds like there was a disconnect here. It is not correct that we cap external bank-to-bank transfers at $10k per day. If initiated by an outside bank Northpointe places no limit on the transaction amount.

Thank you,

Bill C, Northpointe Bank

My comment: This is exactly what I suspected from the beginning and commented in my BBVA experience (example) above. CSRs are frequently clueless.

I always thought that any checks would have to be drawn in U.S. Funds so Canadian checks would not work unless it was drawn in U.S. Funds. If it was in Canadian funds, you can get charged some fee and then the conversion which may or may not be in your favor.

It will take many days or even weeks to show up in your account.

From my experience they don’t. I have just deleted last month linked accounts that I haven’t had in years.

I agree! Not paying off the balance earlier than necessary is a better strategy than paying off early and expect some kind of offer that may never come.

A taxpayer is under no legal obligation to file an amended return to correct an error in a previously filed return for an open year.

@richard That makes more sense to me than the Patriot Act thing. I’m sure the Patriot Act allows for asking your citizenship status … uh, well I guess that is sort of what they’re asking, just in an odd kind of way.