Search found 380 matches

by anonenigma
Sat Mar 25, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: planning to visit San Francisco for a short break
Replies: 16
Views: 821

Re: planning to visit San Francisco for a short break

Walk around North Beach. Have breakfast at Mama's. Get an Italian sandwich for lunch at Molinari's and eat it in Washington Square Park if weather permits. Get a coffee at Cafe Trieste or one of the many other cafes. Get a raspberry ring at one of the bakeries. Browse at City Lights Bookshop. Visit ...
by anonenigma
Sat Mar 18, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: 457(b) Enhanced limit
Replies: 5
Views: 302

Re: 457(b) Enhanced limit

If you have a good 403(b) option, I'd do that instead.

My employer messed up that catch up provision a number of years ago and the vendor didn't catch it until it was too late. I had to claw back the over-contribution, and that wasn't much fun.
by anonenigma
Fri Mar 10, 2017 11:42 pm
Forum: Personal Consumer Issues
Topic: CA: Car Won't Pass Smog Check
Replies: 8
Views: 745

Re: CA: Car Won't Pass Smog Check

Perhaps a Volkswagen dealer can help?
by anonenigma
Tue Mar 07, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 5819

Re: Camry Redesign

That 2018 sure looks nice. But I will probably pull the trigger on the 2017 XLE with the technology package for the added safety. THey can be had for quite a bit off sticker right now. Nice thought, but it appears that the safety packages all include a moonroof, and that won't work for a tall person.
by anonenigma
Mon Mar 06, 2017 2:52 am
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 5819

Re: Camry Redesign

Thank you for all the great insights. My conclusion is that I should take a closer look at the Prius, which in 2017 is in the first year of its redesign and has the full safety package standard. Maybe its second year, the 2018, would be the car to buy. If I decide that I prefer another Camry, I shou...
by anonenigma
Mon Mar 06, 2017 2:46 am
Forum: Personal Finance (Not Investing)
Topic: Worth It Or Not? [to Retire]
Replies: 21
Views: 2466

Re: Worth It Or Not? [to Retire]

Lots of good dialogue. I'll add a non financial consideration .... I think it is important to cross the finish line strong. No matter what you decide it will be great for you continue your strong efforts for your students and school system through your last day. Thanks for your work in education! T...
by anonenigma
Sat Mar 04, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Worth It Or Not? [to Retire]
Replies: 21
Views: 2466

Re: Worth It Or Not?

[...] Whichever choice I make, we'll be fine economically. [...] This is the sticky point. The real question is what you mean by that. Basically, the value of earning more money decreases as your wealth increases. So the real question is, would the extra money get you something, or will it just cre...
by anonenigma
Sat Mar 04, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Worth It Or Not? [to Retire]
Replies: 21
Views: 2466

Re: Worth It Or Not?

[...] If I retire in June, the age factor in my pension calculation will be .0233. If I can arrange an out-of-classroom position for a few months, the age factor will increase to .024. [...] So you're looking at an increase of .0067 or roughly 29% in exchange for a small amount of extra work. This ...
by anonenigma
Sat Mar 04, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 5819

Re: Camry Redesign

I can't cite a reference, but I seem to recall some kind of merging the Camry and Prius platforms. What about a Camry Hybrid? I believe that you are correct, and the 2017 Prius has already implemented the TNGA architecture. With the small amount of driving I do, I'm not sure that the premium for a ...
by anonenigma
Sat Mar 04, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Worth It Or Not? [to Retire]
Replies: 21
Views: 2466

Re: Worth It Or Not?

Thank you for the thoughtful responses. By their nature, classroom teaching jobs are for a full year, so I will see if I can arrange an out-of-classroom job that will get me to my next birthday. I still have the commitment, but I don't want to stay up after midnight grading papers three or four nigh...
by anonenigma
Sat Mar 04, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Worth It Or Not? [to Retire]
Replies: 21
Views: 2466

Worth It Or Not? [to Retire]

I've been teaching for a long time and am ready to retire. I love the kids, but grading huge numbers of complicated writing assignments, which was never fun, is even less fun now that I'm in my 60s. When I entered the profession, I had no idea how valuable the pension would be to me, and I feel incr...
by anonenigma
Sat Mar 04, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 5819

Camry Redesign

It's getting to be time to replace my 2000 Camry. I don't know much about cars, but I've been reading about the 2018 Camry redesign. With the new TNGA architecture, the handling will apparently be better than the 2017 model. Also, the engine is expected to be more efficient, and there will be more s...
by anonenigma
Mon Feb 20, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Amazon free shipment down to $35
Replies: 14
Views: 2117

Re: Amazon free shipment down to $35

Amazon has reduced the minimum purchase qualifying for a free shipment from $49 to $35. According to https://www.amazon.com/gp/help/customer/display.html/ref=mk_sss_hucart/ref=ord_cart_shr?nodeId=527692 : Order with Free Shipping by Amazon All orders of $35 or more of eligible items across any prod...
by anonenigma
Sun Feb 19, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: 403b options
Replies: 8
Views: 382

Re: 403b options

So I'm reading the materials from the TIAA website, and reading the Bogleheads wiki, and trying to make sense of how an annuity like this one fits into our overall plan. Can someone put it in Kindergarten-speak for me? I was totally on board with a simple 3-fund allocation, and now this 403b choice...
by anonenigma
Mon Feb 13, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: The 6 403b Companies Offered Where I Teach
Replies: 19
Views: 1162

Re: The 6 403b Companies Offered Where I Teach

dbltrbl wrote:Nothing major but are you sure one of the company is GALIC? It should be Valic and almost all choices are bad. Voya may have decent choices depending on your district.


GALIC is Great American.
by anonenigma
Mon Feb 13, 2017 12:01 am
Forum: Personal Consumer Issues
Topic: Verizon wireless unlimited data plan
Replies: 16
Views: 2554

Re: Verizon wireless unlimited data plan

Have to wait for tomorrow to find out pricing for two lines - and how much prices will be lowered on existing plans.
by anonenigma
Sun Feb 12, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Short Term Investments for a Non-Profit
Replies: 6
Views: 308

Re: Short Term Investments for a Non-Profit

My wife's organization has about $2M that will be spent over the next 12-14 months. Similar sums should be available on an ongoing basis as grants are renewed and new grants are secured. As for FDIC insurance, I don't see any reason to fear something like a treasury mutual fund at vanguard. By spli...
by anonenigma
Sat Feb 11, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Short Term Investments for a Non-Profit
Replies: 6
Views: 308

Short Term Investments for a Non-Profit

My wife's organization has about $2M that will be spent over the next 12-14 months. Similar sums should be available on an ongoing basis as grants are renewed and new grants are secured. They can park the funds in FDIC-insured online money market accounts (keeping within insurance limits), but shoul...
by anonenigma
Sun Feb 05, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: Walmart.com vs. Amazon.com
Replies: 41
Views: 4916

Re: Walmart.com vs. Amazon.com

Will allow Prime to lapse in two weeks. Amazon's prices are much higher than they used to be, particularly on CDs and DVDS, so I haven't been buying as much as I used to. I also wasn't satisfied (for the first time) with how they handled a return and rejected my review of the item, which contained n...
by anonenigma
Sun Feb 05, 2017 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) - Choosing a vendor - Need advice
Replies: 21
Views: 1530

Re: 403(b) - Choosing a vendor - Need advice

UPDATE Have an appt scheduled with the Plan Member Services representative tomorrow afternoon. We told her we only want the plan member direct plan but she kept pushing the "advisor" plans. Told her we like it because it has the Vanguard funds but she said she doesn't think the Direct pla...
by anonenigma
Mon Jan 30, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: 403B without early withdrawal penalty-Vanguard
Replies: 2
Views: 263

Re: 403B without early withdrawal penalty-Vanguard

Vanguard is correct, and the penalty is from the IRS, not Vanguard.

If you had a 457(b), that would be another story,
by anonenigma
Mon Jan 30, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Medigap Insurance questions
Replies: 11
Views: 1237

Re: Medigap Insurance questions

The Medicare Advantage plan seems extremely expensive with high deductible and OOP. I doubt that you'd get much benefit from it at all unless you had a truly terrible year of health. I had my mother and aunt on Medicare F, which covered doctors who did not accept assignment (the MC fee schedule) and...
by anonenigma
Sat Jan 28, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should we buy my parents' house?
Replies: 12
Views: 1405

Re: Should we buy my parents' house?

Capital gains.
by anonenigma
Sat Jan 28, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 48
Views: 3351

Re: TIAA financial advisor?

The TIAA advisor with whom I met tried to pressure me regarding assets outside of TIAA. I had brought a summary, so that he could understand the full picture, but he insisted that I provide copies of statements. Fat chance! That's pretty standard when meeting with a financial advisor if you want th...
by anonenigma
Fri Jan 27, 2017 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: Starting NYS 457(B)-The bigger picture.
Replies: 14
Views: 832

Re: Starting NYS 457(B)-The bigger picture.

That's after your personal exemptions and standard deduction, so you still have some room.

Also, the 25% applies only to the amount above the lower boundary of the bracket.

Check what the stable value funds are paying.
by anonenigma
Thu Jan 26, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Overwhelmed! How to make the best of poor 403(b) options?
Replies: 32
Views: 1735

Re: Overwhelmed! How to make the best of poor 403(b) options?

CalSTRS Pension 2 is the best 403(b) option in California. Administering a 403(b) plan involves costs, and 25 bp is as good as it gets as a plan charge. If you want to do tax deferred saving through work, it costs something. Look at their Easy Choice portfolios to lower costs a little. Thank you fo...
by anonenigma
Wed Jan 25, 2017 2:54 am
Forum: Investing - Help with Personal Investments
Topic: Overwhelmed! How to make the best of poor 403(b) options?
Replies: 32
Views: 1735

Re: Overwhelmed! How to make the best of poor 403(b) options?

CalSTRS Pension 2 is the best 403(b) option in California. Administering a 403(b) plan involves costs, and 25 bp is as good as it gets as a plan charge. If you want to do tax deferred saving through work, it costs something. Look at their Easy Choice portfolios to lower costs a little.
by anonenigma
Mon Jan 23, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 48
Views: 3351

Re: TIAA financial advisor?

The TIAA advisor with whom I met tried to pressure me regarding assets outside of TIAA. I had brought a summary, so that he could understand the full picture, but he insisted that I provide copies of statements. Fat chance! I love the Traditional Annuity (without liquidity restrictions) but have los...
by anonenigma
Sun Jan 22, 2017 2:44 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) - Choosing a vendor - Need advice
Replies: 21
Views: 1530

Re: 403(b) - Choosing a vendor - Need advice

Thanks for all the help. Spoke with the local rep for Plan Member Services. She seemed to indicate that the Plan Member Direct product is available but said she isn't sure if Vanguard funds are included. I had their website up while talking and told her that Vanguard is listed under the "Direc...
by anonenigma
Thu Jan 19, 2017 2:27 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) - Choosing a vendor - Need advice
Replies: 21
Views: 1530

Re: 403(b) - Choosing a vendor - Need advice

Not good choices. Plan Member has a lower cost option, PlanMember Direct. Check whether it's available to you. Here's the link to the listing on 403bcompare, from the California State Teachers Retirement System: https://www.403bcompare.com/Employee/Products/MutualFund/Information.aspx?pid=4595 Also,...
by anonenigma
Wed Jan 18, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: 403b Fund
Replies: 4
Views: 188

Re: 403b Fund

Roll 403b balance into a traditional IRA at Vanguard. Not a taxable event. Much better investment choices. Call Vanguard to initiate.
by anonenigma
Thu Dec 29, 2016 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Deluxe on sale at Amazon
Replies: 49
Views: 6524

Re: Turbotax Deluxe on sale at Amazon

The Costco monthly sales booklet that arrived in the mail today has TT $10-$15 off, depending on product, starting 05th Jan I was at Costco this afternoon and, as reported by others, there was a $10 manufacturer's rebate on TT Deluxe w/state. I asked a manager about whether the coupon would be an a...
by anonenigma
Wed Dec 28, 2016 11:12 am
Forum: Investing - Theory, News & General
Topic: Remember what it was like before the recession?
Replies: 81
Views: 8380

Re: Remember what it was like before the recession?

FlyingMoose wrote:
anonenigma wrote:
FlyingMoose wrote:Shadowstats was showing inflation much higher than even the government claimed.


You rely on conspiracy sites for economic information?


I found out about it on this very forum, so it wasn't just me...


Do you believe the market quotes?
by anonenigma
Wed Dec 28, 2016 10:46 am
Forum: Investing - Theory, News & General
Topic: Remember what it was like before the recession?
Replies: 81
Views: 8380

Re: Remember what it was like before the recession?

FlyingMoose wrote:Shadowstats was showing inflation much higher than even the government claimed.


You rely on conspiracy sites for economic information?
by anonenigma
Sat Dec 17, 2016 2:13 am
Forum: Investing - Help with Personal Investments
Topic: Defined Contribution Plan--Asking Advice
Replies: 15
Views: 1481

Re: Defined Contribution Plan--Asking Advice

Thanks so much folks. My wife says she has two defined contribution plans: (here's her email) "I have two things.. One is a pension from the County of Orange. The other is OC Defined Contribution plan 457 and a 401(a)." With a 457(b), she should be able to roll the money into a Roth IRA (...
by anonenigma
Fri Dec 16, 2016 1:53 am
Forum: Investing - Help with Personal Investments
Topic: Defined Contribution Plan--Asking Advice
Replies: 15
Views: 1481

Re: Defined Contribution Plan--Asking Advice

Yes, she has a defined benefit plan that starts once she officially retires. Not sure what you mean "what kind of defined contribution plan". She put money in the DC plan and the county manages it. There is no matching or anything like that. It's all her money. Is it a 403(b) or a 457(b)?
by anonenigma
Sun Dec 11, 2016 7:01 pm
Forum: Personal Consumer Issues
Topic: Why is it hard to find >3 year old cheddar nowadays?
Replies: 30
Views: 3764

Re: Why is it hard to find >3 year old cheddar nowadays?

LadyGeek wrote:All I can think of is this: Cheese Shop Sketch


Nice.
by anonenigma
Sun Dec 11, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Why is it hard to find >3 year old cheddar nowadays?
Replies: 30
Views: 3764

Re: Why is it hard to find >3 year old cheddar nowadays?

In Southern California, Trader Joe's now carries five-year-old Black Diamond Cheddar for $9.99 per pound. Tasty stuff at a very good price. Where does it stand in your pantheon of cheddars?
by anonenigma
Sat Dec 10, 2016 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on 457(b) investments
Replies: 7
Views: 328

Re: Advice on 457(b) investments

Is there a plan charge in addition to the expenses for the funds?
by anonenigma
Mon Nov 28, 2016 1:13 am
Forum: Investing - Help with Personal Investments
Topic: My 403(b) new fee structure ?
Replies: 3
Views: 420

Re: My 403(b) new fee structure ?

There are different share classes, some of which include revenue sharing (think "kickback") to the recordkeeper. In theory, you should see lower expense ratios on any funds that did revenue sharing. I'd rather have a modest plan charge and funds with lower expense ratios and no revenue sha...
by anonenigma
Mon Nov 14, 2016 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Help with 457(b) Plan
Replies: 42
Views: 3350

Re: Help with 457(b) Plan

Is there a plan charge in addition to the expense ratios?
by anonenigma
Sat Nov 12, 2016 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Housing Maintenance Cost in HCOL Area
Replies: 9
Views: 990

Re: Housing Maintenance Cost in HCOL Area

Frisco Kid wrote:As already mentioned, age,size and condition of the house comes into play here as does what previous work has been done. You may not need 1% a year, however here in the Bay Area on the Peninsula a new furnace or roof can easily exceed $10K. Can you share where this home is located?


Los Angeles
by anonenigma
Sat Nov 12, 2016 2:17 am
Forum: Personal Finance (Not Investing)
Topic: Housing Maintenance Cost in HCOL Area
Replies: 9
Views: 990

Re: Housing Maintenance Cost in HCOL Area

So 1/2% per year is safe?
by anonenigma
Sat Nov 12, 2016 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Housing Maintenance Cost in HCOL Area
Replies: 9
Views: 990

Housing Maintenance Cost in HCOL Area

A friend is considering the purchase of a $1.2 million home which in 80% of the country would cost $300,000. I mentioned the rule of thumb about anticipating 1% for annual maintenance/repair, but is that really accurate in a HCOL area? The 1% would be $12,000 in the HCOL area but only $3,000 in most...
by anonenigma
Sun Oct 09, 2016 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Max out 401k too early?
Replies: 20
Views: 1786

Re: Max out 401k too early?

Unless I'm thinking about this wrong: Say i contribute 18,000 at the start of the year. My employer only matches 50% of the first 6% which would equate to a match of $540. ((18,000 x 6%) x 50%)). If I spread out the contributions through the year rather than one large lump sum, I would get more emp...
by anonenigma
Wed Sep 21, 2016 1:11 am
Forum: Personal Consumer Issues
Topic: Last minute Portland trip, need help
Replies: 23
Views: 1714

Re: Last minute Portland trip, need help

dogfight531 wrote:Check out Skamania Lodge in Gorge. It would be a good place to stay for a couple of nights.


+ 1. The drive from there to Edgefield's on te old highway is glorious. Be sure to stop at Vista House and Portland Women's Forum and at the waterfalls, of course.
by anonenigma
Mon Sep 12, 2016 11:25 pm
Forum: Personal Consumer Issues
Topic: Where to buy good bookshelves in the bay area?
Replies: 9
Views: 906

Re: Where to buy good bookshelves?

I like the IKEA Billy bookshelves. Solid.
by anonenigma
Sat Sep 10, 2016 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: 403(b) 15-Year Catch-up Rule
Replies: 4
Views: 558

Re: 403(b) 15-Year Catch-up Rule

The "lesser of" suggests $3,000, but if you have been regularly contributing to the 403(b) over the years, you may not be eligible for any additional contributions. This happened to me a few years ago, and my employer, having switched payroll systems, failed to catch it. My additional cont...
by anonenigma
Sat Sep 10, 2016 4:00 pm
Forum: Personal Consumer Issues
Topic: Why is it hard to find >3 year old cheddar nowadays?
Replies: 30
Views: 3764

Re: Why is it hard to find >3 year old cheddar nowadays?

After reading this thread, I checked the weekly ad from Bristol Farms, an unspeakably expensive small grocery chain here in Southern California. They had 4 year old Black Diamond white cheddar for $10.49 per pound. When I went to the store, it turned out to be the 5 year old for that price. Yay. The...

Go to advanced search