Search found 460 matches

by anonenigma
Fri Jan 19, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Costco Citi removing Foreign Transaction Fees; No Fee/Reimbursed Fee International ATM; ; Free International Data
Replies: 30
Views: 2403

Re: Costco Citi removing Foreign Transaction Fees; No Fee/Reimbursed Fee International ATM; ; Free International Data

We used the Costco Citi Card overseas in December and there were no foreign transaction fees.

Another Visa card we have does. We used it just once and ended up with a fraudulent charge and had to have the cards replaced.
by anonenigma
Mon Jan 15, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on NYS 457 vs using Self-directed Schwab
Replies: 2
Views: 123

Re: Thoughts on NYS 457 vs using Self-directed Schwab

Check transaction fees in self-directed portal.
by anonenigma
Sun Jan 14, 2018 3:42 am
Forum: Investing - Help with Personal Investments
Topic: Rollover Amerirprise 403(b) / Move to Vanguard 403(b)
Replies: 14
Views: 784

Re: Rollover Amerirprise 403(b) / Move to Vanguard 403(b)

Consult TPA for link to open a new 403(b) account with Vanguard or Fidelity and direct deferrals to that account going forward. Transfers need to be approved by the TPA (there should not be a problem going from one approved 403b vendor to another). Move the money from Ameriprise either in stages or ...
by anonenigma
Sat Jan 13, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Pension service credit purchase: yes or no?
Replies: 16
Views: 903

Re: Pension service credit purchase: yes or no?

I bought five years of "air time" (not based on any service), and it was the best deal ever. Really enjoying the extra money in retirement. It's also great that my wife, who is younger, will receive the benefit if I go first. Since you're only in your second year, the purchase cost is low and will o...
by anonenigma
Fri Jan 12, 2018 2:22 am
Forum: Investing - Help with Personal Investments
Topic: CalSTRS 457(b) options
Replies: 15
Views: 535

Re: CalSTRS 457(b) options

The .25% irks me, though. I guess it is worth it when you consider the tax savings. That's a very reasonable plan charge. The funds are low cost and probably don't have revenue sharing. The costs of operating employer-based plans (statements, loans, compliance, etc.) have to be paid by somebody, an...
by anonenigma
Thu Jan 11, 2018 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: CalSTRS 457(b) options
Replies: 15
Views: 535

Re: CalSTRS 457(b) options

The .25% irks me, though. I guess it is worth it when you consider the tax savings. That's a very reasonable plan charge. The funds are low cost and probably don't have revenue sharing. The costs of operating employer-based plans (statements, loans, compliance, etc.) have to be paid by somebody, an...
by anonenigma
Thu Jan 11, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: CalSTRS 457(b) options
Replies: 15
Views: 535

Re: CalSTRS 457(b) options

CalSTRS Pension 2 is great - for both 403(b) and 457 (b). Voya runs it, but CalSTRS chose the funds, and the plan charge is low. Interesting...would you go with Pension 2 over Vanguard for the 403(b)? Looks like you could own the same funds in either, so it comes down to service and cumulative expe...
by anonenigma
Thu Jan 11, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: CalSTRS 457(b) options
Replies: 15
Views: 535

Re: CalSTRS 457(b) options

CalSTRS Pension 2 is great - for both 403(b) and 457 (b). Voya runs it, but CalSTRS chose the funds, and the plan charge is low.
by anonenigma
Wed Jan 03, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 127
Views: 7515

Re: What non fiction book will you be reading in 2018?

Evicted by Matthew Desmond. Won the Pulitzer. Read during final days of 2017.
by anonenigma
Mon Jan 01, 2018 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 2% 12 month CD expires tomorrow
Replies: 13
Views: 2291

Re: Ally Bank 2% 12 month CD expires tomorrow

yes but they usually (at least recently) space out CD interest rate hikes by 11 days. I recently updated the "No Penalty CD" from 1.5% to 1.6%, but when the paperwork arrived, it had been increased (without my asking) to 1.75%. The 2% is tempting, but it feels like we are in a rising interest rate ...
by anonenigma
Sat Dec 30, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Your travel tips for Vienna and Budapest?
Replies: 23
Views: 1180

Re: Your travel tips for Vienna and Budapest?

If I ever get to Budapest. I would love to see the Franz Liszt Chamber Orchestra in concert. Their recordings are glorious.
by anonenigma
Mon Dec 25, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6475

Re: manual car for new teen driver

Millennial wrote:
Mon Dec 25, 2017 7:27 pm
Mazda 6 and accord would be a great choice. I know Camry stick shifts exist but I think they are unicorns. I also had a 2007 legacy 5MT and it was a great car. Don't get him a turbo Subaru...
I have one of those unicorns - a 2000 Camry CE. Getting ready to replace it soon.
by anonenigma
Sat Dec 02, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Any other Granada (Caribbean) Lovers Here?
Replies: 5
Views: 486

Re: Any other Granada (Caribbean) Lovers Here?

40 years ago I stayed at a cottage at Lance aux Epines (Prickly Bay). Close to town without the activity of Grand Anse Beach, though things may have changed a lot through the decades.
by anonenigma
Sat Dec 02, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Help me Help mom
Replies: 29
Views: 1653

Re: Help me Help mom

Dottie57 wrote:
Sat Dec 02, 2017 3:35 pm

At 70. I might buy her a very nice SPIA to generate income.
Why? She has a lot of assets and likely has no mortgage or a small one.
by anonenigma
Sun Nov 26, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Which Turbotax and When
Replies: 5
Views: 730

Re: Which Turbotax and When

I don't know the which or the when, but you certainly wouldn't need two versions. The more expensive versions incorporate the features of the less expensive.
by anonenigma
Sat Nov 18, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Volunteer to be laid off? [OP Update]
Replies: 38
Views: 3693

Re: Volunteer to be laid off?

Does the 12 months of COBRA get you to Medicare?
by anonenigma
Wed Nov 15, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Office Chair Recommendations (Aeron?)
Replies: 38
Views: 2542

Re: Office Chair Recommendations (Aeron?)

I bought an Aeron for myself ~9 years ago. I am sitting in it right now. Though it feels as good as new, if it broke somehow, I'd immediately go out and get another Aeron. If it broke after 9 years, I believe that you'd still have another 3 years left on the warranty. I'm on my second Aeron, and I ...
by anonenigma
Mon Nov 13, 2017 2:36 am
Forum: Investing - Help with Personal Investments
Topic: Extra $3000 in 403b or 457
Replies: 3
Views: 383

Re: Extra $3000 in 403b or 457

You must be age 50 or over to do this.

At least for the moment, you can contribute up to $18,000 in each in 2017, $18,500 in each in 2018.
by anonenigma
Thu Nov 02, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5609

Re: Out of network care

Kaiser is an old school HMO with its own doctors and hospitals. If you're with Kaiser, that's who/what you use.
by anonenigma
Thu Oct 26, 2017 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: Max Tax Deferred Contribution in 1 Year
Replies: 18
Views: 1524

Re: Max Tax Deferred Contribution in 1 Year

Flexible Spending Account. Up to $2,500 for health expenditures, including co-pays, medications, glasses and dental. I believe an additional $2,500 for dependent care expenses.
by anonenigma
Wed Oct 25, 2017 3:25 pm
Forum: Investing - Theory, News & General
Topic: TIAA traditional -- How did they do that and What's the catch?
Replies: 31
Views: 2807

Re: TIAA traditional -- How did they do that and What's the catch?

It's for profit: "In 1997, Congress revoked the company’s nonprofit status as part of a tax reform bill, saying the status gave TIAA an unfair advantage over other companies. This meant TIAA’s costs would rise significantly because it would have to pay taxes." from https://www.nytimes.com/2017/10/21...
by anonenigma
Tue Oct 24, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Maxed out two 403b's from different employers... Mistake???
Replies: 6
Views: 810

Re: Maxed out two 403b's from different employers... Mistake???

Don't believe you can contribute more than $18k to all of your 403(b)s in a single year. Prepare to claw it back.
by anonenigma
Thu Oct 19, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Finally a win for teachers!! [403(b) modified to add funds]
Replies: 33
Views: 3080

Re: Finally a win for teachers!!

Did leaders of the other bargaining units also participate?
by anonenigma
Wed Oct 18, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA Annuity SRA vs. Total Bond Market - Help!
Replies: 5
Views: 595

Re: TIAA Annuity SRA vs. Total Bond Market - Help!

Is the IRA version of the TIAA Traditional really paying 3.25% on new deposits? Double check.
by anonenigma
Fri Sep 22, 2017 4:51 pm
Forum: Investing - Theory, News & General
Topic: Which is better a Cryptocurrency or Gold?
Replies: 99
Views: 7055

Re: Which is better a Cryptocurrency or Gold?

Can a dentist use crypto-currency to fill a cavity or make a crown? Atoms vs. bytes (or bites in this case).
by anonenigma
Mon Sep 18, 2017 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Is this TIAA TRAD 3% or 2.5%?
Replies: 17
Views: 1272

Re: Is this TIAA TRAD 3% or 2.5%?

Just double check. For all accounts that I've heard of thus far, this guaranteed rate is for the restricted version. I have the unrestricted Traditional with 3% guarantee in both my 403b and a Roth IRA, though additions to the IRA are no longer permitted. Does that plan have the 2.5% payout annuity...
by anonenigma
Sun Sep 17, 2017 1:47 am
Forum: Investing - Help with Personal Investments
Topic: Is this TIAA TRAD 3% or 2.5%?
Replies: 17
Views: 1272

Re: Is this TIAA TRAD 3% or 2.5%?

Thanks! I understand the restrictions in my 401(a). There are no such restrictions in my 403(b). Just double check. For all accounts that I've heard of thus far, this guaranteed rate is for the restricted version. I have the unrestricted Traditional with 3% guarantee in both my 403b and a Roth IRA,...
by anonenigma
Sat Sep 16, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Is this TIAA TRAD 3% or 2.5%?
Replies: 17
Views: 1272

Re: Is this TIAA TRAD 3% or 2.5%?

Thanks! I understand the restrictions in my 401(a). There are no such restrictions in my 403(b). Just double check. For all accounts that I've heard of thus far, this guaranteed rate is for the restricted version. I have the unrestricted Traditional with 3% guarantee in both my 403b and a Roth IRA,...
by anonenigma
Fri Sep 15, 2017 12:24 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Expense changes
Replies: 17
Views: 1388

Re: TIAA Expense changes

Your plan charge is consistently 0.25%, but two of the funds kick back revenue sharing, which comes off of the plan charge. That's not a TIAA thing. It's a decision your employer has made about how costs of operating the plan should be raised. Our 457b plan decided to delete all funds with revenue s...
by anonenigma
Tue Sep 12, 2017 1:32 am
Forum: Personal Consumer Issues
Topic: Rental Car, best options
Replies: 22
Views: 3094

Re: Rental Car, best options

I had a reservation at Portland (OR) Airport through Costco for five days @ $26 plus taxes - a total of almost $200. I had checked Hotwire but at the time the pricing was the same as Costco. A couple of days before the trip, I got an e-mail that Portland prices had decreased. I've gotten those befor...
by anonenigma
Fri Sep 08, 2017 2:13 am
Forum: Personal Consumer Issues
Topic: Places to see in Chicago
Replies: 45
Views: 3372

Re: Places to see in Chicago

Alas, only for current Illinois educators. FYI-The Art Institute is free for educators, if you are or have been one. Go downstairs to the front desk of the Children's Museum, show your ID and get a free pass for the year. Haven't been there in a few years but I am assuming that the pass is still ava...
by anonenigma
Mon Sep 04, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: FSA
Replies: 0
Views: 285

FSA

I work for an organization that is fiscally sponsored by a 501(c)(3), which provides health benefits and an FSA option. The plan year begins October 1. My organization will become an independent 501(c)(3) late this year. What happens with the FSA in this situation? If my wife and I go to the optomet...
by anonenigma
Sat Sep 02, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing
Replies: 46
Views: 2656

Re: 403b and 457b fund options with expense ratio

What are the plan expenses?
by anonenigma
Tue Aug 29, 2017 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: 457 Deferred Comp w/ Self-directed Option
Replies: 6
Views: 580

Re: 457 Deferred Comp w/ Self-directed Option

Beware of fees related to self-directed brokerage option. They are not always well-disclosed or disclosed at all.
by anonenigma
Tue Aug 29, 2017 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: 457 Deferred Comp w/ Self-directed Option
Replies: 6
Views: 580

Re: 457 Deferred Comp w/ Self-directed Option

Beware of fees related to self-directed brokerage option. They are not always well-disclosed or disclosed at all.
by anonenigma
Mon Aug 28, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 9218

Re: T-Mobile promotion for 55+

After reviewing this thread, I called Verizon and told them I was contemplating switching to T-Mobile's 55+ plan. The rep looked up the details on their website, and offered me the following: For 2 lines, a 75% reduction in line access charges. From $20/line to $5/line. They also doubled my data fr...
by anonenigma
Thu Aug 24, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: 403b choices
Replies: 25
Views: 3091

Re: 403b choices

I have similar choices in my 403b, and after extensive research, I discovered a self-directed option in Planmember services. They have Vanguard funds at low ER, and it was very easy to set up a basic 3 fund portfolio using only Vanguard. I think I pay $35 management fee per year. I need to set up a...
by anonenigma
Thu Aug 24, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Miles Davis: Kind of Blue - Question for Jazz experts
Replies: 49
Views: 3622

Re: Miles Davis: Kind of Blue - Question for Jazz experts

Barney Kessel The Poll Winners
Duke Ellington Piano in the Foreground
Roger Kellaway Cello Quartet
by anonenigma
Wed Aug 23, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement plan for someone with no 401k
Replies: 8
Views: 1375

Re: Retirement plan for someone with no 401k

I would put 5500 into a Roth IRA (for each of you) and invest in taxable Total Stock Market and perhap Total International, which are tax-efficient funds. Since it is after-tax, you can squeeze more value into a Roth than traditional, although the tax advantage of trad is nice, too, and perhaps it ...
by anonenigma
Tue Aug 22, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 43
Views: 4001

Re: Your Movie Collection?

I just had another defective dvd from the library - Cesar , the third film of Marcel Pagnol's Fanny Trilogy , aka The Marseille Trilogy . The library has a machine it uses to buff dvds, and sometimes this takes care of scratches if not too severe. Hopefully the machine will prevail, and I'll be able...
by anonenigma
Sat Aug 19, 2017 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Teacher 403(b) signup - any tips?
Replies: 18
Views: 1937

Re: Teacher 403(b) signup - any tips?

TIAA or Fidelity. You're lucky to have two good options.
by anonenigma
Sat Aug 19, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Pension question: purchase 0.35 yrs of previous service?
Replies: 22
Views: 2415

Re: Pension question: purchase 0.35 yrs of previous service?

Do it! 20 years from now you will be glad you did. +1. Your salary will rise over the decades, making it even a better deal. Years ago, for about $10,000, I purchased .9 years of service in CalSTRS for work performed before CalSTRS was deducted. That's now $1,929 per year in additional pension - ta...
by anonenigma
Thu Aug 17, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Survivor Benefit or Life Insurance -teenage daughter
Replies: 25
Views: 2134

Re: Pension Survivor Benefit or Life Insurance -teenage daughter

In CalSTRS, the survivor cannot be more than 19 years younger than the employee. Double check that there isn't a similar restriction in your system.
by anonenigma
Mon Aug 14, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 43
Views: 4001

Re: Your Movie Collection?

If you are just looking for something to watch, then the streaming services and public library will suffice. They don't work as well if you want to watch a specific film, which may not be available on Netflix or Amazon Prime (or for which Amazon charges a $4.99 rental fee). I love my library and bor...
by anonenigma
Thu Aug 03, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: belts for dress pants
Replies: 37
Views: 2838

Re: belts for dress pants

Amazon sometimes has great clearance prices on Allen Edmonds belts. List prices are either $98 or $130, but I've bought great belts there for under $30. Sort for 75% discount.
by anonenigma
Fri Jul 28, 2017 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Which 403(b) company is the least horrible?
Replies: 13
Views: 1307

Re: Which 403(b) company is the least horrible?

See www.403bcompare.com

They all seem awful. Most Oppenheimer funds have a 5.75% front end load, and the average expense ratio is about 1.4%.
by anonenigma
Thu Jul 27, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Help - Buying Pension Credits
Replies: 4
Views: 613

Re: Help - Buying Pension Credits

If Nevada's system works like CalSTRS, something isn't quite right in your calculations. The age factor (which you have as a flat 2.5%) increases as you get older. In CalSTRS, it is 1.4% at age 55 and maxes out at 2.4% at age 63 (or age 61.5 if you have 30 years of service - not including any years ...
by anonenigma
Sun Jul 23, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Dealing with Expensive 457 Plan Options
Replies: 10
Views: 858

Re: Dealing with Expensive 457 Plan Options

Why did you roll the money in from the former employer's plan? Couldn't you have kept it there?
by anonenigma
Sat Jul 22, 2017 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: 403b change and black out dates
Replies: 2
Views: 187

Re: 403b change and black out dates

The blackout period is generally a couple of weeks and may not be significant unless the new provider somehow limits withdrawals thereafter. Take a look at what surrender charges might be applicable if your investments are in annuities.