Search found 329 matches

by anonenigma
Wed Aug 17, 2016 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Voya 403b fund options
Replies: 24
Views: 1046

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: 194
Views: 31581

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: 169

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: 1215

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: 1215

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: 304

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: 482

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: 11376

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: 2888

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: 2888

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: 696

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...
by anonenigma
Sun May 22, 2016 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Checking My Thinking [tax efficiency]
Replies: 5
Views: 706

Checking My Thinking [tax efficiency]

The only 403(b) option at my wife's new job at a nonprofit is an annuity with high fees - about 3% per year, with liquidity restrictions. During the first year, there is no employer contribution, and it moves up each year until there's a 5.5% contribution after year 5. These contributions don't requ...
by anonenigma
Fri May 20, 2016 8:23 am
Forum: Personal Consumer Issues
Topic: Trip to Portland, Oregon
Replies: 35
Views: 2518

Re: Trip to Portland, Oregon

https://www.bogleheads.org/forum/viewtopic.php?f=11&t=173936 Perhaps spend a couple of days at the Columbia Gorge? We stayed at the Skamania Lodge in Stevenson, WA. Don't miss views from Vista House and Portland Women's Forum. Also Multnomah and other waterfalls. To get to Stevenson, you have to...
by anonenigma
Tue May 17, 2016 1:27 am
Forum: Personal Finance (Not Investing)
Topic: Business Structuring Tax Question
Replies: 2
Views: 345

Re: Business Structuring Tax Question

Found the beginning of an answer: "However, a K-1 generated from a Form 1120S (LLC or C-Corp, either with the S-Corp election) is reported on the shareholder’s personal tax return on Schedule E. Schedule E is the form used for rental properties, royalties and other investment income including b...
by anonenigma
Sat May 14, 2016 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Business Structuring Tax Question
Replies: 2
Views: 345

Business Structuring Tax Question

As a teacher, I don't pay into Social Security and don't expect to receive any benefits. I have an income producing opportunity and have to decide how to structure the deal. It's a piece of the profits of a business I have helped to establish. It's not consulting income, so not 1099, but I gather th...
by anonenigma
Fri May 06, 2016 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrassment of Benefits Riches
Replies: 9
Views: 3208

Re: Embarrassment of Benefits Riches

Mingus, I doubt that medical and dental insurances would coordinate benefits with each other. Sounds like you have an unusual combination. I have no idea. But it works out for me. And apparently my dentist as well. I think that is called fraud - on the part of the dentist. Dale I think that you mis...
by anonenigma
Thu May 05, 2016 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrassment of Benefits Riches
Replies: 9
Views: 3208

Re: Embarrassment of Benefits Riches

.... but if she had a few thousand in bills, we'd benefit from double coverage. Maybe I misunderstand your thinking, but you will not be able to collect from both policies for the same incident/procedure. Dale If she needed an endoscopy or other procedure for which the co-pay would be high, wouldn'...
by anonenigma
Thu May 05, 2016 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrassment of Benefits Riches
Replies: 9
Views: 3208

Embarrassment of Benefits Riches

My wife and I have good medical PPO coverage (no premium for either of us) from my employer. The annual deductible is $450 per person, and there is a maximum annual out-of-pocket outlay of $7,500 per year. It pays 80% of the Anthem fee schedule. My wife's new job also offers very good PPO coverage f...
by anonenigma
Mon May 02, 2016 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Potential Employer was excited to hire me! Then silence... What did I do?
Replies: 60
Views: 6666

Re: Potential Employer was excited to hire me! Then silence... What did I do?

OP mentions his wife having a teaching certificate, but is she fully credentialed with the appropriate credential for the position (grade level/subject matter)?

Is it possible that there are senior contracted teachers in out-of-classroom positions or on leave who need to be placed?
by anonenigma
Sun Apr 24, 2016 11:40 am
Forum: Investing - Theory, News & General
Topic: Does Knowledge of Fellow Employees’ Retirement Contributions Encourage Greater Participation?
Replies: 6
Views: 709

Re: Does Knowledge of Fellow Employees’ Retirement Contributions Encourage Greater Participation?

If it's a small school, privacy concerns would presumably prevent disclosure. There are lots of reasons, mostly on the expenses side of life, that people are not in a position to defer the IRS maximums. Privacy matters.
by anonenigma
Sat Apr 09, 2016 10:08 pm
Forum: Personal Consumer Issues
Topic: best hospital and clinic for eye vision problems
Replies: 10
Views: 919

Re: best hospital and clinic for eye vision problems

You're close to Stanford if your local ophthalmologists don't meet your needs.
by anonenigma
Wed Apr 06, 2016 9:54 pm
Forum: Investing - Theory, News & General
Topic: [DOL Rule on Fiduciary Standard is Released]
Replies: 105
Views: 6224

New DOL Rules and 403b/457b

The new DOL fiduciary rule provides important protection for people saving for retirement. It applies to 401k, but I don't see that it applies to 403b or 457b. If not, why not? 403b here in California and other states is a market sorely in need of precisely that regulation.
by anonenigma
Sun Mar 20, 2016 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: continue with 403b or switch to CALPERS 457?
Replies: 6
Views: 522

Re: continue with 403b or switch to CALPERS 457?

What 403(b)? Is it CalSTRS Pension 2?
by anonenigma
Thu Mar 17, 2016 12:48 am
Forum: Investing - Help with Personal Investments
Topic: 403B providers [how to choose]
Replies: 8
Views: 671

Re: 403B providers [how to choose]

Is this the CalSTRS Pension 2? If so, it's administered by Voya, not State Street.

CalSTRS Pension 2 is excellent. The rest on the list are not good choices.

Do you have access to a decent 457(b) plan?

See www.403bwise.com
by anonenigma
Wed Mar 16, 2016 8:47 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) Options for Teachers
Replies: 18
Views: 1448

Re: 403(b) Options for Teachers

Likely all high cost annuities. See if the state offers a 457(b) plan for teachers. Check out www.403bwise.com
by anonenigma
Sun Mar 13, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Planning a quick 3 day trip to Boston
Replies: 33
Views: 2351

Re: Planning a quick 3 day trip to Boston

Walk the Freedom Trail beginning at the Boston Common - lots of wonderful history. Rent a car and go to Concord for the day to see Walden Pond, the authors ridge at the Sleepy Hollow Cemetery, where Thoreau, Hawthorne, Emerson and Alcott are buried next to each other, the homes of the transcendental...
by anonenigma
Sun Mar 13, 2016 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Additional Salary in Lieu of Benefits
Replies: 19
Views: 1817

Re: Additional Salary in Lieu of Benefits

P.S. Don't be so ready to discount the benefits ('not as good as my teach benefits') offered by the np. Many school districts are moving towards HMO's, while nonprofits still offer the choice of PPO's, and for those that want the flexibility.... Benefits at many small nonprofits are premised on hav...
by anonenigma
Sat Mar 12, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Additional Salary in Lieu of Benefits
Replies: 19
Views: 1817

Re: Additional Salary in Lieu of Benefits

Is there any reason why they could not do such a deal? Most likely they could do such a deal, but the real question is why should they? Most companies have a percent of employees who don't use all of the benefits. Good companies can estimate this percent and factor it into their budgets. Also remem...
by anonenigma
Sat Mar 12, 2016 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Additional Salary in Lieu of Benefits
Replies: 19
Views: 1817

Additional Salary in Lieu of Benefits

My wife is one of two finalists for a job at a nonprofit here in California. We are insured through my employment as a public school teacher, and it's unlikely that the benefits from the nonprofit would be as good. If they are premised on a HSA, we wouldn't be eligible for them anyway. I've suggeste...
by anonenigma
Sun Mar 06, 2016 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: The Coming Costco AMEX Rebate Problem
Replies: 19
Views: 2749

Re: The Coming Costco AMEX Rebate Problem

My 2 cents... if anyone is forking over 18k to the Costco in a year and is worried about losing eighty bucks they might want to strongly re-focus their priorities and see if there are better ways to make their dollars go further. Not to Costco. All spending of AMEX including recurring bills, busine...
by anonenigma
Sun Mar 06, 2016 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: The Coming Costco AMEX Rebate Problem
Replies: 19
Views: 2749

Re: The Coming Costco AMEX Rebate Problem

The current AMEX rebate, for those who don't carry a credit card balance, is .25% of the first $2,000, .5% for the next $5,500, and 1.5% thereafter. If a member charges $18,000 per year on the card, the rebate would be $190: $5 for the first $2,000; $27.50 for the next $5,500; and $157.50 for the l...
by anonenigma
Sun Mar 06, 2016 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: The Coming Costco AMEX Rebate Problem
Replies: 19
Views: 2749

Re: The Coming Costco AMEX Rebate Problem

Costco needs to find a way to prevent this, or there will be a lot of unhappy members once they do the math. The average Costco member spends $1,445 a year at Costco. The average Costco member has a household income of $96,000. That would put their take home pay around $85,000 a year. You presented...
by anonenigma
Sun Mar 06, 2016 2:59 am
Forum: Personal Finance (Not Investing)
Topic: The Coming Costco AMEX Rebate Problem
Replies: 19
Views: 2749

The Coming Costco AMEX Rebate Problem

As I cashed my 2015 Costco AMEX rebate today, I was thinking about how annoyed I will be when the 2016 rebate (or rebates arrive). The current AMEX rebate, for those who don't carry a credit card balance, is .25% of the first $2,000, .5% for the next $5,500, and 1.5% thereafter. If a member charges ...
by anonenigma
Tue Mar 01, 2016 9:08 am
Forum: Investing - Help with Personal Investments
Topic: 403B Q: TRP Target Date vs Self Constructed Active Fund Allocation
Replies: 3
Views: 268

Re: 403B Q: TRP Target Date vs Self Constructed Active Fund Allocation

In our district's 457b, the T.Rowe Price target date funds were replaced with BlackRock Lifepath index funds with ER of under .2%. What company operates your plan? Does your district have a committee that oversees the plan, or does HR just handle it?
by anonenigma
Mon Feb 29, 2016 1:02 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) for a teacher in CA - Roth or Traditional
Replies: 14
Views: 1387

Re: 403(b) for a teacher in CA - Roth or Traditional

She can contribute to an IRA in addition to the 403b and the 457b. Use traditional 403b on dollars taxed at 25% federal. After that, it's a tossup. If she has a full career teaching (and the pension that goes with it), she could be taxed at 25% (today's rate) on some of her income, which suggests th...
by anonenigma
Mon Feb 08, 2016 11:11 pm
Forum: Personal Consumer Issues
Topic: Stovetop Tea Kettle Recommendations?
Replies: 22
Views: 1813

Re: Stovetop Tea Kettle Recommendations?

Have you considered a glass kettle? The top seller on Amazon apparently doesn't hold up. I have purchased Medelco 12-Cup Glass Stovetop Whistling Kettle and I am pleased with it. When I put it on my gas stove, I place it a bit off center so that the handle is farther from the flame. When I take off...
by anonenigma
Sun Feb 07, 2016 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 27278

Re: Costco AMEX Update

Per p. 111 of SEC filing, the new rebate program seems tro be an improvement in that restaurant and travel purchases accumulate a 2% rebate from the beginning. Doesn't the current program begin at a much lower percentage and max out at 2%?
by anonenigma
Tue Feb 02, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: Stovetop Tea Kettle Recommendations?
Replies: 22
Views: 1813

Re: Stovetop Tea Kettle Recommendations?

Qtman wrote:Simplex made in England, will last your life and your family for generations.


From reviews on Amazon, quality appears to have declined.
by anonenigma
Sun Jan 31, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: Stovetop Tea Kettle Recommendations?
Replies: 22
Views: 1813

Re: Stovetop Tea Kettle Recommendations?

Mudpuppy wrote:Have you considered a glass kettle?


The top seller on Amazon apparently doesn't hold up.
by anonenigma
Sun Jan 31, 2016 3:42 pm
Forum: Personal Consumer Issues
Topic: Stovetop Tea Kettle Recommendations?
Replies: 22
Views: 1813

Stovetop Tea Kettle Recommendations?

It's time to buy a new 2 quart stovetop tea kettle, but this is proving to be more complicated than I ever thought. From reading reviews (mostly the negative ones) on Amazon, it appears that, within a short time, many of the supposedly stainless steel ones rust, suggesting that they are not actually...
by anonenigma
Thu Jan 28, 2016 2:12 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Financial Adviser
Replies: 20
Views: 2348

Re: Vanguard or Financial Adviser

3DTV wrote:Plan is to use the RMD for vacation money each year and put other inheritance along with annual savings to work to go along with my pension when I retire.


You know that you can't access without penalty until you're 59.5 yo and that you don't need to take RMDs until you're 70.5 yo?
by anonenigma
Sat Jan 23, 2016 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 27278

Costco AMEX Update

[Thread merged into here, see below. --admin LadyGeek] The checker at a Costco here in Southern California told me that the transition from AMEX to Visa is more likely to occur in June than April. Costco hasn't done a good job of communicating with members, particularly about how the AMEX rebate wi...
by anonenigma
Sat Jan 23, 2016 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Arizona Teacher - 403b vs 457
Replies: 10
Views: 931

Re: Arizona Teacher - 403b vs 457

The 457b withdrawal upon separation from employer will be a great advantage if you retire early. But what if you retire at 64 but need access to your funds at age 60? The advantage to the 403b is that you can access the money without penalty at age 59.5 regardless of whether you've separated from em...
by anonenigma
Sat Jan 16, 2016 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Form an Entity?
Replies: 1
Views: 245

Form an Entity?

I'm planning to retire in 18 months. With a pension and savings, we should be pretty well set for our modest lifestyle. My wife will continue to work for at least a few years, so we may not need to touch savings until RMDs. Two income earning opportunities are on the horizon. One could be W-2 or 109...
by anonenigma
Mon Jan 11, 2016 1:43 am
Forum: Personal Consumer Issues
Topic: First Time Buying Furniture
Replies: 30
Views: 3081

Re: First Time Buying Furniture

Timing is important. We recently replaced our sofa and mattress at Macy's and just happened in on a Saturday when prices hit rock bottom. Macy's next sale of consequence will be this Friday/Saturday. Look at their furnishings online and ten see if the prices go down. It's a good time to pick up qual...
by anonenigma
Sat Jan 09, 2016 12:22 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Shipping Issues since move from UPS to USPS
Replies: 74
Views: 11466

Re: Amazon Prime Shipping Issues since move from UPS to USPS

I have had most of the same experiences others have mentioned. It's second nature now to e-mail Amazon CS to have my Prime extended by a month when the delivery date is missed. Yesterday may be my most ironic Amazon experience. I had ordered Moscovado sugar. The package arrived on time but, instead ...
by anonenigma
Wed Jan 06, 2016 2:20 am
Forum: Personal Consumer Issues
Topic: receiver recommendations
Replies: 15
Views: 1303

Re: receiver recommendations

ShoogyBee wrote:It's been decades since I've shopped for home audio equipment, but you could do far worse than going with a 2-channel NAD integrated amplifier! I'm sure they still make a few such models these days.

...


+1
by anonenigma
Mon Jan 04, 2016 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 27278

Re: Costco AMEX Transition - Costco has no answers

I'm a little unclear as to exactly what the question is. I believe that the current Amex is good to use in a Warehouse store, and online, until March 31. The question is whether cardholders will accumulate a rebate for charges incurred after this billing cycle until the AMEX is replaced by the Visa...
by anonenigma
Mon Jan 04, 2016 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 27278

Costco AMEX Transition - Costco has no answers

At a Warehouse yesterday, and then today on the phone, Costco has no answers about what happens with purchases made on the American Express Card in 2016. Purchases made through the end of the current billing cycle will apply to the 2015 rebate (confirmed with Costco and AMEX), but what about purchas...

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