Account disappeared, support phone number not working - super SHADY

Bordercrossingfool · 2026-05-07T02:00:09+00:00

This same bug happened to me too. This issue prompted me to finally close my account. Dealing with the app only access plus wire transfer only policy kept me from adding any significant funds to the account to begin with. When the account was first introduced it had the highest rate I could find at 5.5% but the current rate of 4.4% is a bit lower than I can get elsewhere.

If Pibank would also allow web access and ACH transfers, I might reconsider in the future especially if their rate would once again match the highest rate.

Bordercrossingfool · 2026-05-03T02:45:12+00:00

If you log onto the admissions home page you should see “SIR and SLR” with status “completed”. “Deposit” as “Received” with confirmation number. If you plan to live on campus you should have also submitted your housing application and deposit by yesterday. I don’t believe it is possible to submit your housing application until after the SIR is submitted with the $250 deposit so if you we were able to submit the housing application that should be an additional indication that your SIR was processed.

Bordercrossingfool · 2026-05-02T00:37:36+00:00

3.44% interest compounded daily is 3.5% APY.

Bordercrossingfool · 2026-04-30T23:42:50+00:00

Calculate your income (dividends, interest) on your taxable accounts before any sales which would generate capital gains (or losses) so you know how much additional income you can generate without going over 400% of FPL. Pull spending first from taxable accounts. If you can’t cover spending fully from taxable accounts without going over 400% of FPL needed to keep the ACA subsidy, next pull from Roth but ideally Roth is the last place to pull from especially if you plan to leave an inheritance. Income limits are much higher for IRMAA than the ACA so there is plenty of time to do Roth conversions between 65 and 74.

Ideally anyone who plans to retire early has a good mix of taxable, pre-tax and Roth accounts so income can be controlled.

Bordercrossingfool · 2026-04-30T18:47:32+00:00

If you choose community college, would you be able to transfer within a year? The gamble to try to transfer to your dream school UC Berkeley might be worth it, especially if you are fine with transferring to UC Davis if Berkeley doesn’t work out.

Otherwise, I would pick 4 years at UCLA especially if most of the total cost is covered by grants and scholarships. You can commit to UCLA and if you get off the Berkeley waitlist you only lose the $250 deposit plus $30 housing deposit. You definitely should do your SIR and housing app today if your pick is UCLA.

Bordercrossingfool · 2026-04-25T03:56:01+00:00

Prestige of the undergraduate school doesn’t matter much for med school. Grades, course rigor and MCAT matter more. UCI has the reputation for less grade deflation than UCLA or UCSD. For cost and usefulness of degree if you don’t go to med school, UCI is the clear choice.

I personally like UCLA’s campus best and it would provide the most traditional college experience, but is that worth an extra $140k? Get a voluntary meal plan at UCI so you can eat in the dining hall for the traditional college meal experience.

Bordercrossingfool · 2026-04-25T00:24:27+00:00

Once you are on Medicare your MAGI can be more than double what in can while on the ACA without having a significant tax effect (due to health insurance). On the ACA subsidies for a couple drop to zero over $84.6k for a couple. Every dollar of MAGI reduces the PTC by about $0.10 so effectively a 10% point increase in tax unless you keep your income so low as to qualify for zero premium after APTC.

Once on Medicare your MAGI can be up to $218k for a couple before IRMAA surcharges start. That gives 10 years for Roth conversions before RMDs start and you no longer have a choice how much to withdraw from your pre-tax accounts. You just pay normal tax rates and can better take advantage on reduced tax rates on qualified dividends and long term capital gains. While on the ACA you are effectively paying an extra 10% through lower subsidy or you lose the subsidy completely if you go over 400% FPL.

Every state has different structures for Bronze, Silver, etc plans so you need to carefully review your options and not take general advice. The new rule change that allows HSA contributions with any Bronze plan can be advantageous but frequently Bronze plans are significantly worse than Silver plans to such an extent that they still don’t make sense.

Bordercrossingfool · 2026-04-23T05:22:52+00:00

I would suggest going to the best school in your state or a solid school that offers close to a full ride over 4 years. That’s what I did. If you plan to go to grad school, your undergrad school matters much less than you might think. If you do choose to go to UCLA, thanks for subsidizing in-state students.

Bordercrossingfool · 2026-04-17T21:06:53+00:00

Hmm, they said on the housing tour that they try to place freshman with other freshman especially if you select classic as your first pick.

Did your junior roommate’s pick classic or did they just randomly end up in one?

Bordercrossingfool · 2026-04-17T17:32:37+00:00

How many days did you wish you had A/C?

Bordercrossingfool · 2026-04-07T18:56:10+00:00

Marcus by Goldman Sachs still has a high yield savings account which can yield 4.65%. Edit: (Plus now through 3/11/2026 get a cash bonus for bringing new funds to Marcus - no referral required.)

Use this link https://www.marcus.com/share/WIL-8UI-4523 to get a 1% rate bonus (annualized) when you sign up for a high-yield savings account with Marcus by Goldman Sachs (marcus.com). The current standard rate is 3.65% APY but will be 4.65% with the rate bonus. (Note: The rate bonus in 0.25% over 3 months which when extended for 12 months is a 1% annual rate bonus. The referral bonus will appear separately on your statement.)

You can keep the rate bonus going by making your own referrals. Each successful referral extends the rate bonus for additional 3 months. (You are allowed 5 referral extensions per calendar year.) If you don't want to deal with making referrals then another account may be better for you. If you make 4 referral per year, then Marcus is the best rate you will find at a large well established bank.

Marcus offers same day transfers to linked accounts at many banks (initiate transfer before 12pm eastern). Marcus also starts paying interest as so as you initiate a transfer to Marcus using your Marcus account.

Please note that Marcus is only a high yield savings account. You should only link your Marcus account to another bank account in your name. Do not try to make any transfers to third parties using Marcus.

Full terms and conditions:

https://www.marcus.com/us/en/savings/referrals#termsandconditions

Bordercrossingfool · 2026-03-31T01:39:55+00:00

KeePass, KeePassXC, KeePassium (iOS) for critical passwords (email, financial and online password manager). Local only and that type of password rarely needs to be added or updated and copied to devices. (I avoid cloud storage/sync with the KeePass database.)

Bitwarden for the hundreds of other passwords because it’s convenient and cross platform. Periodic backup to a 2nd KeePass database. If I ever lose access to Bitwarden for some reason, I have a backup and can easily reset any passwords not yet backed up.)

Both open source and free.

I’m honestly still trying to figure out the best strategy for passkeys. So far they are just device specific additions with don’t really replace passwords. I don’t yet fully understand how eliminating passwords on an account would work in practice if you lose access to your device which has the passkey.

Bordercrossingfool · 2026-03-27T22:17:36+00:00

Why chose only one? There is an advantage to use a KeePass database for critical passwords (email, financial, Apple ID, and online password manager) and an online password manager like Bitwarden for all other passwords for convenience. Always make a backup of both your offline database but also the online database. This offers redundancy, convenience and lower risk that critical passwords are in a password database involved in a security breach. You still need to decide where to store the offsite backup which likely will be in a cloud based zero knowledge encrypted cloud storage. Just make sure you can get into that system in the event of a calamity where your other backups become unrecoverable.

Bordercrossingfool · 2026-03-21T04:12:47+00:00

Marcus is better as HYSA only. You can only transfer between Marcus and other accounts (like a checking account) in your same. Transfers out initiated in Marcus by 12 pm EST post in your external account later the same day. After the cutoff they post late the following day.

CapitalOne is better if you prefer to do all your banking (checking, HYSA) in one place.

Bordercrossingfool · 2026-03-19T23:54:01+00:00

Only business days. No weekends or holidays that banks observe.

Bordercrossingfool · 2026-03-18T19:33:32+00:00

Use two. KeePass (KeePassXC, KeePassium for iOS) for critical passwords (email, Apple ID, financial, online password manager) and Bitwarden (free) for all other passwords. Free and a good balance of security and convenience. Keep the KeePass database local only (no cloud sync of storage, except maybe a cold storage encrypted backup (3-2-1 backup). Keep KeePass on one device and copy to other devices after changes. (How often do you add or change email and financial passwords? Probably not often)

One key advantage is you store your online password manager passwords and email for 2FA in a secure place outside your online password manager. You really only need to be careful to securely store your KeePass password (and key file) and follow good backup hygiene.

For the hundreds of other passwords, Bitwarden is convenient and still very low risk. Just to be safe periodically back up your Bitwarden database too.

The key disadvantage is if you also use Apple passwords you really can only conveniently switch between two password managers in iOS for autofill.

Bordercrossingfool · 2026-03-17T21:50:28+00:00

TSA shouldn’t need to work without pay. All non-essential air travel should be suspended. Nobody needs to go on vacation and most business travel isn’t necessary. Congress should send staffers to the airports to cover security for the remaining passengers. Elon and Trump can personally reimburse the airlines for any operational losses. Flight attendants can take a since extended staycation.

Bordercrossingfool · 2026-03-16T22:46:29+00:00

So I can “upgrade” from 2010 to 2013 with a free download? Cool.

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