Search found 60 matches

by jasg
Sun Apr 30, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Best universal remote for TV/home theater
Replies: 8
Views: 1054

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: 143
Views: 35587

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: 1539

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: 1654

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 an...
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: 2455

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: 2359

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: 2359

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: 1627

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: 10242

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: 5902

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: 1716

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: 2052

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: 2005

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: 1805

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: 2396

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: 4805

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: 4805

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: 2108

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: 5741

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: 1076

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: 1793

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: 1048

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: 1048

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: 4616

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: 2169

Re: Fidelity 401K

by jasg
Fri Aug 09, 2013 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401K
Replies: 9
Views: 2169

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: 3035

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?
by jasg
Wed Aug 07, 2013 6:13 pm
Forum: Investing - Theory, News & General
Topic: The fate of the 50/50 TIAA-CREF portfolio?
Replies: 23
Views: 3035

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

Since its an academic discussion, it doesn't matter to much, but the historical returns aren't hard to come by. A 50/50 portfolio from, say the 60s would have ended up with close to 10% annualized returns. The problem is that if you never looked at it, it would have turned to 80/20 by the dotcom cr...
by jasg
Mon Aug 05, 2013 11:39 pm
Forum: Investing - Theory, News & General
Topic: High advisor fees with questionable results
Replies: 84
Views: 8220

Re: High advisor fees with questionable results

Didn't say they were illegal, I know that my WFA advisor would not have offered them to me if they were. All he did was point out that would not lose any money with them.
by jasg
Mon Aug 05, 2013 9:08 pm
Forum: Investing - Theory, News & General
Topic: High advisor fees with questionable results
Replies: 84
Views: 8220

Re: High advisor fees with questionable results

I have often thought that if high fee advisors were so great, they would offer to pay you a fee if your portfolio decreased in value :D It illegal for a financial advisor to guarantee an investors portfolio against a decrease in value. But you that, right? Actually no, but that was not the substanc...
by jasg
Mon Aug 05, 2013 4:12 pm
Forum: Investing - Theory, News & General
Topic: High advisor fees with questionable results
Replies: 84
Views: 8220

Re: High advisor fees with questionable results

I have often thought that if high fee advisors were so great, they would offer to pay you a fee if your portfolio decreased in value :D
by jasg
Sat Aug 03, 2013 3:45 pm
Forum: Personal Consumer Issues
Topic: Refurbished Mac Mini
Replies: 29
Views: 4294

Re: Refurbished Mac Mini

Another happy buyer of refurb electronics - have purchased Apple, Denon, Kindle and ThinkPad that way with no problem.

Apple Genius Bar support has been great - they know their stuff - as opposed to the random staff at other electronics stores who usually only think they know their stuff.
by jasg
Fri Aug 02, 2013 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Fund choice question [TIAA/CREF or Fidelity?]
Replies: 24
Views: 2471

Re: Fund choice question [TIAA/CREF or Fidelity?]

I am unfamiliar with 403b plans. Any drawbacks to using them over a Traditional IRA (during retirement)?
by jasg
Thu Aug 01, 2013 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: So can I retire?
Replies: 29
Views: 3149

Re: So can I retire?

Your situation sounds similar to ours at the start of 2010 and we have done just fine (Although I did take SS at 63, wife does not and has no pension).
by jasg
Thu Aug 01, 2013 6:50 pm
Forum: Investing - Theory, News & General
Topic: How frequently should you look during draw-down?
Replies: 8
Views: 837

Re: How frequently should you look during draw-down?

I hate to tinker but love to look - to keep from obsessing over potential losses, I almost never look if the market is down that day.
by jasg
Thu Aug 01, 2013 6:36 pm
Forum: Investing - Theory, News & General
Topic: Why should you invest in precious metals?
Replies: 13
Views: 1270

Re: Why should you invest in precious metals?

Some consider it a key component of a 3 'fund' portfolio - along with Guns and MREs :D
by jasg
Sun Jul 28, 2013 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: 37 & (re)starting retirement planning. Advice appreciated!
Replies: 10
Views: 6566

Re: 37 & (re)starting retirement planning. Advice appreciat

One trick I used (after paying off CC, maxing out 401k and establishing regular savings as a direct deposit of a portion of each paycheck) was to route all raises and bonuses to the savings brokerage account via direct deposit. Soon I was living well below my means, but without spending less than pr...
by jasg
Fri Jul 26, 2013 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Fund choice question [TIAA/CREF or Fidelity?]
Replies: 24
Views: 2471

Re: Fund choice question [TIAA/CREF or Fidelity?]

I am struggling with the same question and have been considering the following for a three fund portfolio. Comments and advice welcome. Fidelity funds have lower fees, but probably not significantly. Decision might be made for me if I can't rollover my 401k into my old TIAA-CREF account. FWIW, both ...
by jasg
Tue Jul 16, 2013 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Sacrifices: Saving 50% of Take Home Pay?
Replies: 44
Views: 7448

Re: Sacrifices: Saving 50% of Take Home Pay?

Good points. I could have used a 0% real growth rate on salary. That yields a "break even" point of a $114,000 safe withdrawal rate at age 61. Much more reasonable. Like you said, though, if you expect only a 4% nominal return on stocks, and a 3% nominal growth of salary, that can be dang...
by jasg
Sun Jul 14, 2013 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Hit me straight/Retire on $100k annually??
Replies: 13
Views: 2828

Re: Hit me straight/Retire on $100k annually??

letsgobobby wrote:What, is expected inflation over the next fifteen years now 0%?

Good point. Twenty years ago at age 43, my number was 50K for a comfortable requirement. 80k now according to CPI calculator.

You should make it, I did - starting way behind you - but I had to save way more than 27k/year.
by jasg
Thu Jul 11, 2013 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about TIAA-CREF
Replies: 37
Views: 4426

Re: Questions about TIAA-CREF

There are virtually no tiaa retirement plans that do not allow rollovers unless theyre old or phased out. My current TIAA plan, with my current employer does not allow me to roll IN any money from another plan, even while I am currently enrolled in it, and certainly not after I am no longer employe...
by jasg
Thu Jul 04, 2013 6:04 pm
Forum: Personal Consumer Issues
Topic: Big Island Hawaii
Replies: 45
Views: 5284

Re: Big Island Hawaii

Just returned from our 3rd trip. I too would vote for the Puuhonua O Honaunau park, along with the Puako Petroglyphs and the Puukohola Heiau - but the I find Hawaiian history fascinating. The latter two are on the northern Kohala coast just north of Hapuna Beach. Morning is best for the Petroglyphs ...
by jasg
Sat Jun 29, 2013 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Introduction: New to investing and late to the game
Replies: 7
Views: 922

Re: Introduction: New to investing and late to the game

I think that you should look hard at the Three Fund lazy portfolios and rebalance once a year. Although I am your opposite, I wish I had learned about it twenty years ago. By opposite, I mean I have always invested in stocks (IRA) and stock funds - I could call it by and hold, but that would be unfa...
by jasg
Tue Jun 18, 2013 2:36 am
Forum: Personal Finance (Not Investing)
Topic: Can Insurance Company Reject You (post Affordable Care Act)?
Replies: 48
Views: 4120

Re: Can Insurance Company Reject You (post Affordable Care A

The price difference in ACA plans have to do with age (as described above), deductible and co-insurance percentage - NOT with any disease or condition.
by jasg
Mon Jun 17, 2013 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can Insurance Company Reject You (post Affordable Care Act)?
Replies: 48
Views: 4120

Re: Can Insurance Company Reject You (post Affordable Care A

Thanks, I knew they had included it in the bill but have not followed closely enough to know the implementation details.

Glad to know that some of the haters on another board will not be able to game the system as they have sworn to do.
by jasg
Mon Jun 17, 2013 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can Insurance Company Reject You (post Affordable Care Act)?
Replies: 48
Views: 4120

Re: Can Insurance Company Reject You (post Affordable Care A

Jack wrote:Effective January 1, 2014:
3. Waiting period for enrollment in new health insurance plans limited to 90 days
That helps discouraging purchase after an illness/accident. Do you know if they are also implementing annual open enrollment periods like Medicare?
by jasg
Mon Jun 10, 2013 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Galeno Strategy
Replies: 2
Views: 677

Galeno Strategy

While mentioned in the Wiki - http://www.bogleheads.org/wiki/Withdrawal_Methods#Combination , I have not seen any forum discussions on this topic. With all the threads on shifting stock/bond percentages and 3 vs 4% withdrawal rates, the "Galeno Strategy / Combination" withdrawal method see...
by jasg
Sun Jun 02, 2013 8:36 pm
Forum: Personal Consumer Issues
Topic: Costco holdout considering membership
Replies: 117
Views: 9145

Re: Costco holdout considering membership

It's worth it for the free samples alone! I probably eat $100+ of samples throughout the year. Beyond that they offer a really nice wine selection at below market prices. That's known as the "Senior Buffet!" I call it "Tapas del Costco". Quality is great, especially meats, chees...

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