Search found 498 matches

by anonenigma
Wed Apr 25, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Joint Account
Replies: 9
Views: 1058

Re: Capital One 360 Joint Account

It took more than six weeks, seven phone calls and dozens of online attempts, but my wife was finally added to the account last night. This is a known issue with Capital One, and I'm not impressed with their systems. Their people, however, were very nice. If she wasn't added by the end of this week,...
by anonenigma
Wed Apr 25, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: CA Public School Teacher - Union Dues, Pension Contribution
Replies: 15
Views: 1548

Re: CA Public School Teacher - Union Dues, Pension Contribution

[quote= I believe the old program applies as the previous contributions to the pension (pre-2013) were not cashed out. Thanks everyone for all your help. One key takeaway is that the CalSTRS pension program is its own beast that will take time and effort to fully comprehend. The CalSTRS pension prog...
by anonenigma
Tue Apr 24, 2018 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Vested in pension... leave it in or take it out?
Replies: 10
Views: 901

Re: Vested in pension... leave it in or take it out?

Are you permitted to withdraw employer contributions? That certainly can't be done by teachers in California.

I'd suggest that you keep it in.
by anonenigma
Tue Apr 24, 2018 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: CA Public School Teacher - Union Dues, Pension Contribution
Replies: 15
Views: 1548

Re: CA Public School Teacher - Union Dues, Pension Contribution

I work in a district near the one your wife is considering (about 1/2 hour away). My union dues are about $1200/year and the mandatory pension contribution rate is 10.25%. For those who enter the CalSTRS system in 2013 or later, the rate is 9.2% (lower rate but less generous benefits). +1 He will l...
by anonenigma
Wed Apr 18, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Flexible Spending Account Plan Year Overlap
Replies: 3
Views: 168

Re: Flexible Spending Account Plan Year Overlap

Plan year 2018 contribution limit is $2650. Not sure though if she still has the $1000 or it was forfeited when she left her former employer. Check IRS Publication 969 for more info: https://www.irs.gov/pub/irs-pdf/p969.pdf Thanks for the reference but I couldn't find the answer in it. No loss of t...
by anonenigma
Wed Apr 18, 2018 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Flexible Spending Account Plan Year Overlap
Replies: 3
Views: 168

Flexible Spending Account Plan Year Overlap

My wife's switching employers. Previous employer's benefits plan year began October 1, and she had $1,000 deferred (if that's the correct word) into the FSA. The new employer's plan year begins May 1, so there's an overlap. We don't want to run afoul of IRS rules, so how do we determine the maximum ...
by anonenigma
Fri Apr 13, 2018 1:51 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score and Installment Loans
Replies: 2
Views: 227

Credit Score and Installment Loans

I have a very good credit score, and it would be higher if I had recent installment loans.

We financed new phones a couple of months ago (0% interest). Do credit bureaus consider that an installment loan?
by anonenigma
Sat Mar 31, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington Price Not Updated Last Night
Replies: 1
Views: 314

Wellington Price Not Updated Last Night

Is this due to Good Friday or a glitch? Quote is as of 3/29, not 3/30.
by anonenigma
Thu Mar 29, 2018 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Can I max out 2 457s?
Replies: 9
Views: 826

Re: Can I max out 2 457s?

Delete.
by anonenigma
Sat Mar 24, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Joint Account
Replies: 9
Views: 1058

Re: Capital One 360 Joint Account

It's a known issue at Capital One. The latest possible explanation is that I hadn't opted in to text messaging. I am now opted in but, according to the rep, it will take 2-7 days for that choice to be reflected in their system. I've followed the procedure for adding at least half a dozen times and m...
by anonenigma
Fri Mar 23, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Joint Account
Replies: 9
Views: 1058

Re: Capital One 360 Joint Account

I did just that – added my wife as a secondary account owner through the website on our Capital One 360 checking account. I did it by clicking Account Services, then Account Ownership. The page that comes up is the older style, but it worked for me a few weeks ago. Maybe there's a new issue with th...
by anonenigma
Fri Mar 23, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Joint Account
Replies: 9
Views: 1058

Capital One 360 Joint Account

My wife and I have had a money market account with Capital One for several years with no problems. Two or three weeks ago, we opened a 360 checking account, but there is apparently no way to add my wife as a joint or secondary account holder - either on the website or on the phone. They don't have a...
by anonenigma
Mon Mar 19, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Rent in Retirement
Replies: 35
Views: 3332

Re: Rent in Retirement

If you plan to rent, check whether there is an applicable rent control ordinance. I live in a building built before 10/1/1978, so my landlord is permitted to raise the rent by a maximum of 3% per year. It's a nice inflation protection.
by anonenigma
Mon Mar 19, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Stovetop Tea Kettle Recommendations?
Replies: 36
Views: 3449

Re: Stovetop Tea Kettle Recommendations?

I gave up and followed Victoria F.'s recommendation: https://www.amazon.com/Medelco-12-Cup-S ... 1454424067

It works and is very inexpensive.
by anonenigma
Fri Mar 16, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Modest stereo system
Replies: 57
Views: 3544

Re: Modest stereo system

Love my two-channel overachiever system:

Dynaco Stereo 70 tube amp. NAD entry-level CD player. Silverline Sonatina speakers. Gets the mid-range right.
by anonenigma
Tue Mar 13, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Help w/457(b) Plan
Replies: 14
Views: 1328

Re: Help w/457(b) Plan

I should also mention that the 457 is offered by Great-West Life and Annuity Insurance Company in partnership with Empower Retirement, which I also find confusing --- who exactly is offering the plan? My understanding is that they are the same company -- I believe Great West somehow "owns" Empower ...
by anonenigma
Mon Mar 12, 2018 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/457(b) Plan
Replies: 14
Views: 1328

Re: Help w/457(b) Plan

If you work for a state university, it pretty much has to be governmental.
by anonenigma
Sat Mar 10, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 6974

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Presumably you have a defined benefit pension plan at your public university? Presumably only a defined contribution planning at the private that’s recruiting you? Difference will be substantial.
by anonenigma
Wed Mar 07, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 ACH speed?
Replies: 10
Views: 923

Re: Capital One 360 ACH speed?

How soon would a transfer from 360 MM to 360 Checking be available?
by anonenigma
Wed Mar 07, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 206
Views: 26082

Re: MoviePass-Too good to be true, but it's legit.

I have the privacy set to allow location use only while using the app. Have they defeated that? It looks like IOS considers the app "in use" even when it is running in the background. From https://support.apple.com/en-us/HT203033: Some apps will ask to use your location only while the app is in use...
by anonenigma
Wed Mar 07, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 206
Views: 26082

Re: MoviePass-Too good to be true, but it's legit.

I have the privacy set to allow location use only while using the app. Have they defeated that?
by anonenigma
Mon Mar 05, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 206
Views: 26082

Re: MoviePass-Too good to be true, but it's legit.

munemaker wrote:
Tue Dec 12, 2017 1:23 pm
SEAworld9 wrote:
Tue Dec 12, 2017 12:43 am
if you see the same movie 10 times on 10 different days it does get recorded by moviepass.
MoviePass does not allow you to see the same movie more than once.
Not in my experience. Saw one movie twice with no problem.
by anonenigma
Tue Feb 27, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Are CD's or "savings accounts" allowed in 403b's?
Replies: 19
Views: 902

Re: Are CD's or "savings accounts" allowed in 403b's?

It should also be stated that plans with a brokerage option generally charge a fee for using it. The plan charges for using the brokerage option? Or for getting CD's? Vanguard doesn't charge anything for using the brokerage choice. In fact, aren't they trying to get everyone to move to that type of...
by anonenigma
Sun Feb 25, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Defining "House Poor"
Replies: 299
Views: 16575

Re: Defining "House Poor"

I believe it is a variation of "land poor" - European aristocrats who owned land that wasn't productive. Think Chekhov's play, "The Seagull," or even Downtown Abbey. Downtown Abbey sounds like the more urban, housing-project version of Downton Abbey My typo invokes memories of Petula Clark:https://...
by anonenigma
Fri Feb 23, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Help! Buying my first sofa/couch
Replies: 27
Views: 1512

Re: Help! Buying my first sofa/couch

Try sale and clearance at Macy's, which may have free or reasonably priced delivery in your area:

https://www.macys.com/shop/furniture/co ... t?id=35419
by anonenigma
Fri Feb 23, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Defining "House Poor"
Replies: 299
Views: 16575

Re: Defining "House Poor"

I believe it is a variation of "land poor" - European aristocrats who owned land that wasn't productive. Think Chekhov's play, "The Seagull," or even Downtown Abbey.
by anonenigma
Thu Feb 22, 2018 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: 403 switching with TIAA from Vanguard
Replies: 5
Views: 439

Re: 403 switching with TIAA from Vanguard

Likely a decision by your employer, not TIAA.
by anonenigma
Sat Feb 17, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: 403(b) plan provisions
Replies: 10
Views: 657

Re: 403(b) plan provisions

Depending on the size of the plan, .235% may be very good. It costs money to operate employer-based plans (compliance, loans, transfers). Our 457(b) plan is at .24% with $150 million in assets, and the consultants consider that to be excellent. Did the OP say that there are employer contributions/ma...
by anonenigma
Fri Feb 16, 2018 12:45 am
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 2809

Re: Cell phone service

Look at the T-Mobile Over 55 deal. Unlimited everything. Free in Canada and Mexico and free text/data internationally. All for $60, taxes inclded, for two lines.
by anonenigma
Mon Feb 12, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: California Teacher Retirement My Wife's 403(b)
Replies: 5
Views: 637

Re: California Teacher Retirement My Wife's 403(b)

I began to pay into CalSTRS when I reached 100 days as a substitute teacher. I eventually purchased service credit for days worked prior to paying into CalSTRS, an option that is still available (while "Airtime" has been discontinued). The company you mentioned is the Third Party Administrator (TPA)...
by anonenigma
Sat Feb 10, 2018 2:52 am
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 9019

Re: Tenants want to break lease early and is pregnant

When I was a renter (many years ago), it was common that, after the first year, renters would go on a month to month lease. That's how my rental works - one year rental followed by month-to-month tenancy under the terms of the original lease. I thought it was creepy when the large complex where my ...
by anonenigma
Sat Feb 10, 2018 2:44 am
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 92
Views: 11243

Re: T-Mobile promotion for 55+

I finally switched from Verizon yesterday. $60 per month, including taxes, for two lines with unlimited calls, texts and data, and overseas use, is an amazing deal. Verizon Unlimited for two lines costs $135 plus taxes - plus any international use at $10 per day per phone. What inspired me to make t...
by anonenigma
Fri Feb 09, 2018 2:52 am
Forum: Investing - Help with Personal Investments
Topic: California Teacher Retirement My Wife's 403(b)
Replies: 5
Views: 637

Re: California Teacher Retirement My Wife's 403(b)

Pension 2's fee is very inexpensive. Use 403bCompare (from CalSTRS) to see how it stacks up against Oppenheimer and PlanMember Services, the other mutual fund platforms. It costs money to operate defined contribution plans, so you can't compare them with IRAs or post-tax investments at Vanguard or F...
by anonenigma
Mon Jan 29, 2018 3:41 am
Forum: Personal Consumer Issues
Topic: San Diego for 3-4 Days for a Couple
Replies: 25
Views: 1603

Re: San Diego for 3-4 Days for a Couple

I don't much care for San Diego, though the zoo is great. The Hotel del Coronado is cute to walk around but way overpriced.

I like three restaurants in San Diego: Amarin (Thai), Prado (in Balboa Park) and 3rd Corner (wine shop/restaurant).
by anonenigma
Sun Jan 28, 2018 3:19 am
Forum: Personal Finance (Not Investing)
Topic: LLC, a New Car and Me
Replies: 4
Views: 590

LLC, a New Car and Me

I may need to form an LLC here in California. I retired in June, and my pension obviously wouldn't be part of that, but there are two potential new revenue streams on the horizon, and the tax reform clearly favors pass-through entities. My wife is an employee, but she could likely work things out to...
by anonenigma
Sat Jan 27, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Ways to Protect Assets Without a Prenup
Replies: 48
Views: 3533

Re: Ways to Protect Assets Without a Prenup

Don't worry about the Roth IRA and your 401(k). They're individual accounts, though you may wish to name your wife as beneficiary. If she doesn't have a Roth IRA, she should have one, with contributions coming from your combined annual income.
by anonenigma
Sun Jan 21, 2018 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Equivalent of Vanguard in the Philippines?
Replies: 2
Views: 374

Re: Equivalent of Vanguard in the Philippines?

These are young people just beginning - fees are high for low-balance accounts.
by anonenigma
Sun Jan 21, 2018 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Equivalent of Vanguard in the Philippines?
Replies: 2
Views: 374

Equivalent of Vanguard in the Philippines?

We have friends in the Philippines (Filipino citizens) who would like to begin to invest. Is there a low-cost, high-quality option for them?
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: 40
Views: 4865

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: 155

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: 907

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: 998

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: 664

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: 664

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: 664

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: 664

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: 132
Views: 8648

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: 2461

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: 1306

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: 7353

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.