Search found 368 matches

by anonenigma
Mon Feb 20, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Amazon free shipment down to $35
Replies: 14
Views: 2016

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: 360

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: 1108

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: 2409

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: 295

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: 295

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: 4802

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: 1466

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: 240

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: 1178

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: 1355

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: 37
Views: 2172

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: 768

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: 1682

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: 1682

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: 37
Views: 2172

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: 1466

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: 1466

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: 180

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: 6399

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: 8287

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: 8287

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: 1454

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: 1454

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: 3703

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: 3703

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: 322

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: 404

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: 3306

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: 975

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: 975

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: 975

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: 1741

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: 1681

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: 879

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: 539

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: 3703

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...
by anonenigma
Mon Sep 05, 2016 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: 457(b) Withdrawal
Replies: 9
Views: 1067

Re: 457(b) Withdrawal

RMDs are not the question as the OP is only 68. The OP should get a copy of the 457 plans Summary Plan Description (SPD). The SPD will tell when and how distributions can be made. Get hold of the plan document and ask the employer as well as the plan provider. In my plan, funds cannot be withdrawn,...
by anonenigma
Wed Aug 17, 2016 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Voya 403b fund options
Replies: 24
Views: 1480

Re: Voya 403b fund options

So I was able to find the options available to me on Omni's site, they are: AXA Equitable Life Insurance Company Faculty Services Corp. Foresters Financial (First Investors) Mass Mutual VA NY Life Ins. & Annuity Corp. Oppenheimer Shareholder Svcs. The Legend Group/ADSERV Thrivent Financial for ...
by anonenigma
Thu Jul 28, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 204
Views: 36120

Re: Liking the new Citi CC at Costco

Is anyone allowing Citibank to text them? They send notifications whenever the card is charged for an amount above the minimum I set. It can be ever so slightly annoying, but it would be an early tripwire for fraud. My bank Visa card is set to do the same thing. On the plus side, it goes into the s...
by anonenigma
Mon Jul 18, 2016 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: 403b rollover
Replies: 1
Views: 188

Re: 403b rollover

By definition, a 403(b) is an employer plan. It is unlikely that you could move the money before termination of employment or reaching age 59.5.
by anonenigma
Sat Jul 16, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: Mattress Replacement Question
Replies: 8
Views: 1338

Re: Mattress Replacement Question

The mattress world is extremely depressing. The other evening, a friend spoke well of a mattress salesperson who offered to match a better price on the same mattress. She wasn't aware of naming scam - that no two retailers carry mattresses with the same name so that there can be no comparison shoppi...
by anonenigma
Fri Jul 15, 2016 11:13 pm
Forum: Personal Consumer Issues
Topic: Mattress Replacement Question
Replies: 8
Views: 1338

Mattress Replacement Question

In December, we bought a Simmons queen set at a well-known department store. It was comfortable until April, when it started to become painful. I finally called the department store last week and they sent a mattress inspector yesterday. He determined that the box spring was defective, and both that...
by anonenigma
Thu Jul 14, 2016 11:16 am
Forum: Investing - Theory, News & General
Topic: Advise on 403b investment options & cost
Replies: 3
Views: 388

Re: Advise on 403b investment options & cost

They are high compared to what they could be. Contact Vanguard. Someone I know set up her much smaller nonprofit with them.
by anonenigma
Fri Jul 01, 2016 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: 403b account - moving to IRA - how, why, what
Replies: 9
Views: 537

Re: 403b account - moving to IRA - how, why, what

Congratulations on your wife's retirement. If your wife is between age 55 and 59-1/2, I would leave the 403b alone. That will allow her to take penalty free distributions from the 403b should they be needed. She can not do that from an IRA. I don't believe that penalty-free distributions can be tak...
by anonenigma
Sat Jun 11, 2016 12:44 pm
Forum: Investing - Theory, News & General
Topic: What are your friends saying about you?
Replies: 127
Views: 12954

Re: What are your friends saying about you?

Ron Ronnerson wrote:Most of my friends think I'm a poor teacher.


Okay, as long as your students don't think that of you...
by anonenigma
Wed Jun 01, 2016 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help my retiring mother (public school teacher w/ CalSTRS/403b annuity)
Replies: 42
Views: 3232

Re: Help me help my retiring mother (public school teacher w/ CalSTRS/403b annuity)

after reviewing my mother's CalSTRS packet, it appears that when my mom said she had to roll-over something at retirement, she was referring to rolling-over her Defined Benefits Supplemental Funds into her Midlands' annuity. in her retirement application, she elected to have it rolled over into the...
by anonenigma
Wed Jun 01, 2016 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Help me help my retiring mother (public school teacher w/ CalSTRS/403b annuity)
Replies: 42
Views: 3232

Re: Help me help my retiring mother (public school teacher w/ CalSTRS/403b annuity)

I'm concerned by the details you provide - in part for the same reasons others have mentioned (have you actually spoken with CalSTRS rather than a 403b salesperson, etc.). I'm also concerned because retirement has a sequence that must be followed to assure continuity of health benefits and smooth tr...
by anonenigma
Tue May 31, 2016 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Help wiht 403B investing
Replies: 15
Views: 858

Re: Help wiht 403B investing

Here is the list of 403b vendors for LAUSD http://achieve.lausd.net/cms/lib08/CA01000043/Centricity/domain/133/benefits%20administration/active/2014%20Active%20403b%20Vendors.pdf That's an old list. TIAA is back accepting new accounts with a 3% guarantee on the TIAA Traditional in that program. Cal...

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