I don't know about that with Ameritrade. I'm seriously to the point of moving a large part of my NYC 457/IRA/ROTH IRA and Rollover IRA account to Morgan Stanley. Because the City changed from FASCORP as administrators to Voya Financial. 1 hour and 21 minutes waiting to speak to a rep today at Voya regarding my account. Personally, I'd like to enjoy my money and not wind up dying on a phone call to Voya.
I do have an account or three if you count mine my wife's and sons which I manage, at Fidelity.
I see no difference between the two, other than Fidelity has a no load money market that pays 1.33% and I'd be hard pressed to find somewhere in Ameritrade to park $$. That lights a fire under my butt so I keep hopping on keeping money invested in stocks, mostly dividend payers and bonds at Ameritrade.
I think I've mentioned my no fee credit cards before, Chase Freedom and Discover cards 5% cash back bonus programs, right now gas and groceries primarily for me till April 2020.Chase Freedom is also providing 5% cash back on telephone and streaming services, so I'm getting back 5% in cash on my Verizon landline/internet/fios TV, cell phone and my Netflix steaming as well.
My AMEX card gives me a years worth of 0% financing on purchases. My Citibank Simplicity and Preferred Master cards both give me that, only for 18 months at 0% on purchases, plus 2% cash back on restaurants and entertainment.
My BJ's perks Commenity bank MasterCard has given me over the last 36 months 0% balance transfers with no fees whatever. Since I like borrowing money with no interest charges I've been floating around $30,000. And the BJ's perks Commenity bank card pays 2% cash back on dining and gasoline and 3% on BJ's purchases also.
My TD bank card gives me back 3% on groceries and restaurants.
My Chase AARP card gives me 3% back on tolls and Uber. Now I don't use Uber, but my easy pass account is giving me back 3% a month. And if all else fails and I have to purchase something outside that realm, I use either my 0 % cards or my Wells Fargo card paying me back 1.5%, or my varied Capital one cards doing the same.
At the end of the day all this adds up and if I don't use the cards for extended periods they don't arbitrarily close the account because they would then have to pay me the bonus I've left on the account. I think of that money as extreme emergency money available to use at the drop of a hat.
...And I don't pay 1 dime towards any annual fee on any cards. The only card I have that requires an affiliation is BJ's MasterCard and that requirement is a cost saving basic membership with BJ's wholesale club.
Thankfully my girlfriend has a Costco membership so even when BJ's is a bit more expensive per item, I can always get it for less at Costco and vice versa.
Yes I do have and wife and a girlfriend and they do know about each other.
AI
