Search found 82 matches

by jasg
Thu Feb 08, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Why does my wife have this portfolio?
Replies: 32
Views: 3754

Re: Why does my wife have this portfolio?

Look at this from her point of view. You have a few men (they call themselves bogleheads :shock: ) on an internet forum that agree with your views. She has an adviser that she know and trusts. Tell her you've seen the light and you're now a boglehead...see how that goes. And ... her portfolio might...
by jasg
Wed Feb 07, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 46
Views: 4422

Re: Replacement for Google Finance price quote function

Any chance you have a daily change function using the marketwatch quote? Let's look at the original function for the closing NAV and the source itself: =VALUE(Right((Index(ImportHtml(CONCATENATE("http://bigcharts.marketwatch.com/advchart/frames/frames.asp?symb=",B2,"&insttype=Fund"), "table"),3,1))...
by jasg
Sun Jan 28, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: The biggest problem in retirement is spending (not)
Replies: 118
Views: 10251

Re: The biggest problem in retirement is spending (not)

Medicare doesn't help with LTC. Medicaid does if you are destitute. However, I wouldn't want to be in that situation... +1 on being cautious about relying on Medicaid to bail you out. If you want a wakeup call go visit an LTC facility that accepts Medicaid. At least in our area they are not a place...
by jasg
Thu Jan 25, 2018 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: Turn 75,000 into 1 million
Replies: 42
Views: 6800

Re: Turn 75,000 into 1 million

I did it, so you should be able to as well. Actually, it was $75k at 41 and $2M at 65 (and I had been retired for 5 years). I put 15% of my gross pay into a 401k (but should have maxed out the contribution - $18.5k this year). I could not take advantage of a Roth IRA but saved aggressively - more th...
by jasg
Wed Jan 24, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 17394

Re: How does everyone keep track of your portfolio?

I used to use Google Sheets to track our 5 retirement funds but recently it seems to be a bit flakey, so I have switched to a simple Numbers spreadsheet on my iPad. Three columns for Symbol, Shares and Balance. Numbers turned out to be simpler than Sheets and updates at 6PM EST if you need very curr...
by jasg
Sun Jan 21, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: Starting LATE for retirement
Replies: 31
Views: 2472

Re: Starting LATE for retirement

Age 43 Married Current traditional ira 75,500 Savings 7,000 cash No mortgage No car loans No credit card debt No school loans It can be done. I had $95k invested and a mortgage at 43 (1992). Retired at 61 with $1.5M (2010). I saved $3-4k/month - over 40% of paycheck at times. All raises and bonus c...
by jasg
Sat Jan 20, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing 403(b) TIAA Investments
Replies: 22
Views: 1148

Re: Choosing 403(b) TIAA Investments

10% *TIAA Traditional (or do 20% and skip CREF Bond) (but be aware Trad has trading restrictions) This can be true but there are two main varieties of TRAD. I have both - one is fully liquid and I move funds in and out at will. The other is limited to 10 periodic withdrawals. Either could be annuit...
by jasg
Fri Jan 19, 2018 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing 403(b) TIAA Investments
Replies: 22
Views: 1148

Re: Choosing 403(b) TIAA Investments

I like TIAA. It has two unique options that are hard to match with other firms - TIAA Traditional and TIAA Real Estate. I use TRAD in place of bond funds - it is a stable value fund, currently yielding 3.25%. If bond yields rise, I will reconsider. I use TRAD, TINRX and TEQKX as my TIAA "Three-fund"...
by jasg
Fri Jan 19, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 197
Views: 14354

Re: Stats on When People Take Social Security

I agree with your point that it's a totally personal choice. However, it's not thousands more per month, but close. I'm trying to wait, but still a couple of years from 62 with a maximum earnings record. The difference between 62 and 70 for me is over $1600/month (nearly $20K per year). That seems ...
by jasg
Tue Jan 16, 2018 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: Question for Retired BH, over 59.5 with Roth Acct
Replies: 10
Views: 823

Re: Question for Retired BH, over 59.5 with Roth Acct

Planning for D. RMDs will be sufficient and leave no need for A, B or C.
by jasg
Tue Jan 16, 2018 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Vanguard through TIAA-CREF
Replies: 41
Views: 2688

Re: Investing in Vanguard through TIAA-CREF

I am very happy with TIAA. No pressures at all from advisor. Former employer's plan offers Vanguard Institutional index funds. I use those in a three-fund portfolio. In addition, I use GSRA (liquid) TIAA Traditional @3.25% as a big part of my fixed income allocation. I hold about 15% TIAA Real Estat...
by jasg
Sun Jan 14, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating health care expenses in retirement
Replies: 12
Views: 1437

Re: Estimating health care expenses in retirement

I like a degree of certainty, so I bought a MediGap plan as soon as I turned 65 (avoiding the chance of denial). Along with that, I had to buy a Medicare Part D drug policy. Since the MediGap covers the 20% of costs Medicare does not cover, I can simply sum up the premiums for Parts B & D, MediGap a...
by jasg
Tue Jan 09, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 354
Views: 34936

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Willthrill, The problem I have with this whole conversation is: I' am 23 years old. My mortality is age 100 - age 23 = 77 more years. I cannot wrap my head around the 4% Trinity (guideline) of selling off my portfolio & making it last 40, 50, 60 years & then be able to pass down wealth to my childr...
by jasg
Sun Dec 17, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Medicare Medical Insurance
Replies: 21
Views: 1399

Re: Medicare Medical Insurance

I got a worse letter. Mine went up to $187.50 because of a one time capital gains bump that took our MAGI too high. I had not paid attention to the fact that you pay 25% of your PartB cost and that can ramp up to 80% with a high MAGI. I have been on Medicare + MediGap + PartD for 5 years. In those 5...
by jasg
Wed Nov 29, 2017 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs TIAA-CREF for new retirement account
Replies: 23
Views: 6004

Re: Fidelity vs TIAA-CREF for new retirement account

I had a similar choice to make but close to retirement instead of at the beginning. At age 64, I rolled my Fidelity 401k to TIAA. In my 20s I worked for an employer that set up a small TIAA-CREF RA (regular Retirement Account) for me. I left the account open and almost 40 years later discovered that...
by jasg
Sun Nov 05, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 273
Views: 36173

Re: Yahoo! Quote Not Working

I tried http://download.finance.yahoo.com/d/quotes.csv?s=VZ and got It has come to our attention that this service is being used in violation of the Yahoo Terms of Service. As such, the service is being discontinued. For all future markets and equities data research, please refer to finance.yahoo.c...
by jasg
Fri Oct 20, 2017 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Questions
Replies: 13
Views: 1222

Re: TIAA Questions

Just a post to say I use TIAA and feel very fortunate to be able to do so, TRAD and TREA have been great for diversification and I also have both VG and TIAA mutual funds in my 403b and Roth accounts. I only spent 5 years out of a 40 year career with the institution that established a small RA accou...
by jasg
Tue Sep 19, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Roth Withdrawals
Replies: 10
Views: 1365

Re: Retiree Roth Withdrawals

When I start RMDs (and if I have exhausted non-retirement funds) I plan on Roth withdrawals when I need funds that would push me into the next tax bracket.
by jasg
Tue Sep 19, 2017 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA (GSRA) Traditional
Replies: 9
Views: 1119

Re: TIAA (GSRA) Traditional

Yep, TREA is not a REIT. I consider myself fortunate to be able to diversify with it (and to have been able to get past the $150k limit). I currently carry 15% in TREA and 25% in TRAD. The little 1980 RA from my employer was a bit more than $2100 in contributions - split 50/50 between TRAD and CREF ...
by jasg
Mon Sep 18, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA (GSRA) Traditional
Replies: 9
Views: 1119

Re: TIAA (GSRA) Traditional

IIRC, the current GSRA Traditional is 3.25%. In a GSRA it is fully liquid, unlike a RA where it is usually subject to the 10 year withdrawal. I treat it as a stable value bond replacement. I love TIAA but I did it the other way around and moved into it rather than out after moving to a new job. In 2...
by jasg
Wed Aug 30, 2017 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 162
Views: 46900

Re: Time to reach 1M and 2M milestones

- At the end of 1989, at age 40, I had about $80k invested, 75% retirement funds. (This was after 7 years at a 'real' job and was 1.5x my salary.) - At the end of 1999, at age 50, I had a million invested. 78% retirement funds. - 2007, $1.6M (lost $700k by March 2009 but held firm) - At the end of ...
by jasg
Sun Apr 30, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Best universal remote for TV/home theater
Replies: 8
Views: 1223

Re: Best universal remote for TV/home theater

I have used a Harmony Smart Control for several years, supports 8 devices. $100 on Amazon. It is a simple RF remote that talks to a hub that is an IR blaster - fills the room with the IR signal as the IR bounces off the walls. No need to point the remote. Mine sits on the top of a rack with my AV eq...
by jasg
Thu Apr 27, 2017 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 162
Views: 46900

Re: Time to reach 1M and 2M milestones

- At the end of 1989, at age 40, I had about $80k invested, 75% retirement funds. (This was after 7 years at a 'real' job and was 1.5x my salary.) - At the end of 1999, at age 50, I had a million invested. 78% retirement funds. - 2007, $1.6M (lost $700k by March 2009 but held firm) - At the end of 2...
by jasg
Tue Apr 25, 2017 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Moving my mother's obscure funds to Vanguard
Replies: 14
Views: 1760

Re: Moving my mother's obscure funds to Vanguard

There ought to be a law... My mom was in the same boat, an 'advisor' recommended by 'someone at church' sold her into a bunch of high-fee front-loaded funds and a variable annuity that worked out very well for HIM. $500k that barely budged in 10 years because every time he changed firms, he sold and...
by jasg
Tue Apr 25, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: understanding TIAA-CREF
Replies: 22
Views: 2053

Re: understanding TIAA-CREF

TIAA Traditional is a pretty amazing investment instrument to have access to. Think twice before you get rid of it. :sharebeer +1 !!! Thanks to a job 4 decades ago, I had a small TIAA 403b that had done very well with no attention at all. Previous employer let me move my IRA & 401k into TIAA and I ...
by jasg
Wed Sep 21, 2016 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on TIAA Traditional and TIAA Real Estate given my AA?
Replies: 20
Views: 2695

Re: Thoughts on TIAA Traditional and TIAA Real Estate given my AA?

After 30 some years with a trivial amount in an old TIAA RA 403b, I found that I could roll my Fidelity 401k and TIRA into a GSRA in my old employer's TIAA 403b. It offers VG index funds, so I feel I got the best of both worlds. I was limited to $150k for TREA in the GSRA but found I could also hold...
by jasg
Wed May 28, 2014 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Should I keep my TIAA account?
Replies: 31
Views: 2581

Re: Should I keep my TIAA account?

Last year, I realized that I had a long ignored TIAA RA account with an old employer. I was at a point where I needed to consolidate a tIRA and 401k. I found that the TIAA plan I held had access to the full suite of TC funds at the Institutional share level (very, very low ERs). I was allowed to op...
by jasg
Wed May 28, 2014 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Should I keep my TIAA account?
Replies: 31
Views: 2581

Re: Should I keep my TIAA account?

Last year, I realized that I had a long ignored TIAA RA account with an old employer. I was at a point where I needed to consolidate a tIRA and 401k. I found that the TIAA plan I held had access to the full suite of TC funds at the Institutional share level (very, very low ERs). I was allowed to ope...
by jasg
Mon May 05, 2014 12:42 am
Forum: Investing - Help with Personal Investments
Topic: Husband's 403b. Help Me Understand TIAA CREF, Please!
Replies: 15
Views: 1702

Re: Husband's 403b. Help Me Understand TIAA CREF, Please!

Having access to the Institutional class funds is very good. They typically have a very low ER. Last year I realized that a (long ignored) small account I had held with TIAA-CREF had similar funds so I moved both my IRA and 401k accounts into my 403b. Since I also have access to Traditional and Real...
by jasg
Sat Jan 25, 2014 2:44 pm
Forum: Personal Consumer Issues
Topic: Seattle as a place to live?
Replies: 74
Views: 10627

Re: Seattle as a place to live?

I have lived in Seattle since 1989 and love it. Had lived in Pittsburgh, DC and Northern California. Good friends of mine just downsized into a new townhouse development in Columbia City and love it. Just a short walk from the light rail, so easy access to downtown and the airport. Columbia City is ...
by jasg
Sun Jan 19, 2014 3:34 pm
Forum: Personal Consumer Issues
Topic: Is there a low cost cell phone plan, limited minutes?
Replies: 66
Views: 6210

Re: Is there a low cost cell phone plan, limited minutes?

T-Mobile has a web only $30/mo plan that I use. 100 minutes and unlimited text/data. You need an unlocked GSM phone and a SIM card you can buy online.

http://www.walmart.com/ip/T-Mobile-SIM-Kit/24099996
by jasg
Wed Jan 15, 2014 11:39 am
Forum: Investing - Help with Personal Investments
Topic: 23 Year Old About to Start Work
Replies: 16
Views: 1777

Re: 23 Year Old About to Start Work

Congrats on starting so early and adopting a live below your means approach. One mental trick that helped me was to use direct deposit to my taxable savings from each paycheck. As I got raises and bonuses, I had those routed to savings as well. Only monthly living expenses wet to checking. I occasio...
by jasg
Fri Jan 03, 2014 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF or Fidelity for 401A
Replies: 15
Views: 2262

Re: TIAA-CREF or Fidelity for 401A

I was heading towards a Vanguard or Fidelity index fund portfolio with my tIRA and 401k when I realized I could use an old TIAA-CREF account and get Traditional and TREA as well as institutional class index funds. TIAA-CREF won - and my plan still has a brokerage window where I can still buy outside...
by jasg
Mon Dec 16, 2013 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare and Cancellation of Non Conforming Insurance
Replies: 20
Views: 2103

Re: Obamacare and Cancellation of Non Conforming Insurance

Another little fact gets no press is that eHealthInsurance.com got permission in July to sell exchange and ACA approved plans. The drawback is that you have to wait until 2014 tax return time for subsidies (if you qualify).
by jasg
Wed Dec 11, 2013 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest in non-deductible Trad IRA?
Replies: 18
Views: 1891

Re: Should I invest in non-deductible Trad IRA?

I have done so in the past but if I had it to do over, I would do a backdoor Roth after rolling your tIRA into your 401k. If you have post-tax contributions in the IRA already, your can split them into a Roth when you do the rollover as described here. http://fairmark.com/retirement/roth-accounts/ro...
by jasg
Sun Dec 08, 2013 10:17 pm
Forum: Personal Consumer Issues
Topic: If I unlock iPhone 4s, what next?
Replies: 21
Views: 2511

Re: If I unlock iPhone 4s, what next?

T-Mobile has a $30/month plan. 100 minutes + unlimited text and data. It is not available from their store.

I ordered a SIM from Walmart, popped it in the phone, activated on the web where I picked the $30 plan. That gave me a new number. I then ported my old AT&T number.
by jasg
Tue Dec 03, 2013 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Inheriting TIAA-CREF IRA and need to take RMDs...questions.
Replies: 39
Views: 5717

Re: Inheriting TIAA-CREF IRA and need to take RMDs...questio

Definitely meet with a TIAA-CREF Wealth Management Advisor. Here is the M* forum. http://socialize.morningstar.com/NewSocialize/forums/100000044.aspx Do not rush to transfer out of TIAA-CREF, check them out and compare what they offer and cost. I recently moved all my assets from other firms to them...
by jasg
Sat Nov 30, 2013 12:56 am
Forum: Investing - Help with Personal Investments
Topic: Inheriting TIAA-CREF IRA and need to take RMDs...questions.
Replies: 39
Views: 5717

Re: Inheriting TIAA-CREF IRA and need to take RMDs...questio

I use TIAA-CREF for my retirement and urge you to research them before you move the funds elsewhere. They offer services that others charge for or offer only via phone. They also have some unique investment options (TRAD and TREA) that might be available to you if the account is really a 403b instea...
by jasg
Wed Nov 27, 2013 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F [versus Medigap] N
Replies: 15
Views: 2320

Re: Medigap F [versus Medigap] N

I am looking at the High Deductible F plan too. Could I later switch to a standard F plan? (WA state if that matters)
by jasg
Fri Nov 15, 2013 11:45 am
Forum: Investing - Help with Personal Investments
Topic: 42 with $125k cash and mediocre retirements - thoughts?
Replies: 31
Views: 5930

Re: 42 with $125k cash and mediocre retirements - thoughts?

Twenty two years ago, I was you. Now at 64, I am comfortably retired and married. House and car paid off only a small HELOC for debt. One thing that I wish I had done earlier deals with my dormant TIAA account. After ignoring it for over 30 years, I realized that it offered low fee (institutional cl...
by jasg
Thu Nov 14, 2013 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Instead of Bonds?
Replies: 7
Views: 1135

Re: TIAA Traditional Instead of Bonds?

In my GSRA (no liquidity restrictions), I am using Traditional instead of bond funds, money market and CDs. If interest rates change, I will reallocate. I also put a hunk of former fixed income into TREA, riskier but still not the same as equity risk.

I consider both of these too unique to ignore.
by jasg
Sat Nov 02, 2013 10:31 am
Forum: Investing - Help with Personal Investments
Topic: I'm Retired. Should I Open a Roth IRA?
Replies: 12
Views: 1875

Re: I'm Retired. Should I Open a Roth IRA?

I am in a similar situation. I can fund it with a contribution this year since my wife worked and with post-tax funds in an IRA I am rolling over to a 403b. Depending on tax rates, I may do some conversions in the future. I don't expect to ever need the funds so I will leave this to a grandchild or ...
by jasg
Thu Oct 31, 2013 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Worth Switching to TIAA-CREF 403b for Traditional Account?
Replies: 7
Views: 1102

Re: Worth Switching to TIAA-CREF 403b for Traditional Accoun

FWIW, I am moving both 401k and tIRA into my TIAA-CREF account so that I only have one account to manage. Also, in a GSRA, you don't have to follow the 10 year rule for Traditional. Mine is now 3% and I can move cash out at any time - seems better than a CD and most bond funds at the moment, Certain...
by jasg
Thu Oct 31, 2013 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Worth Switching to TIAA-CREF 403b for Traditional Account?
Replies: 7
Views: 1102

Re: Worth Switching to TIAA-CREF 403b for Traditional Accoun

After holding a small (5 figure) 'basic' retirement account at TIAA-CREF since the 80s, I recently opened a GSRA 'supplemental' 403b and rolled my 401k into it. Couldn't be happier. Great to have access to Traditional and TREA and I also utilize institutional index funds for very low fees. Plus ther...
by jasg
Sun Oct 06, 2013 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Grandma has way over FDIC limit. What to do.
Replies: 40
Views: 4732

Re: Grandma has way over FDIC limit. What to do.

How about the simplistic approach of two banks? I have a relative who does not believe in the market - he has $250k in each of 30+ different banks.
by jasg
Sat Aug 10, 2013 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401K
Replies: 9
Views: 2291

Re: Fidelity 401K

Here is another thread that might help.
http://www.bogleheads.org/forum/viewtop ... 5#p1756888
by jasg
Fri Aug 09, 2013 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401K
Replies: 9
Views: 2291

Re: Fidelity 401K

Around here, the suggestions will likely be some mix of these - tailored to your risk tolerance. SPTN 500 INDEX ADV (FUSVX) 02/17/1988 SPTN EXT MKT IDX ADV (FSEVX) 11/05/1997 VANG SM CAP IDX SIG (VSISX) 12/15/2006 SPTN INTL INDEX ADV (FSIVX) 11/05/1997 SPTN US BOND IDX ADV (FSITX) 03/08/1990 I wish ...
by jasg
Wed Aug 07, 2013 8:55 pm
Forum: Investing - Theory, News & General
Topic: The fate of the 50/50 TIAA-CREF portfolio?
Replies: 23
Views: 3153

Re: The fate of the 50/50 TIAA-CREF portfolio?

Despite the post-1997 changes, they still seem to be a good company. Do many here use them? If you could take advantage of their funds, annuities and Vanguard funds (albeit Investor grade) would you?