Search found 632 matches

by mrc
Fri Feb 24, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Hearing Aid Benefits
Replies: 16
Views: 611

Re: Hearing Aid Benefits

I really don't understand how an eBay purchase would work out. HAs need custom fitting and tuning to your hearing profile in both ears.

Anyway, +1 for Costco. $1200 for Kirkland Signature pair, compared to $6K for units from a boutique. For at 90 year old: this is some serious hardware.
by mrc
Fri Feb 24, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: free credit reports
Replies: 13
Views: 861

Re: free credit reports

I was about to sign up for it but saw these fine prints and decided not to continue. I'll get my credit reports from AnnualCreditReport.com instead. ... Us too. And since we have our CRs frozen, the online request fails (cannot complete the request at this time, but you can request by mail). So tha...
by mrc
Fri Feb 24, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 39
Views: 2429

Re: TIAA financial advisor?

Forgot to mention that during the complimentary consultation -- and while knowing I had just retired days ago -- there was no discussion of LTC insurance, or budget/expenses, or taxes at all.
by mrc
Fri Feb 24, 2017 5:14 am
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 54
Views: 3253

Re: risk of my Tesla deposit

Be sure any tax credit remains clear of AMT. We turned a $5K credit into $300 several years ago.
by mrc
Fri Feb 24, 2017 5:04 am
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 39
Views: 2429

Re: TIAA financial advisor?

The Wizard wrote:
livesoft wrote:Thanks, then if I do this, I will insist that they take me to lunch first.

They're low budget.
This isn't EJ.
I doubt you'll get fed...
:)


They did have killer starlight mints in the candy jar! :wink:
by mrc
Thu Feb 23, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 39
Views: 2429

Re: TIAA financial advisor?

Back from my meeting [with a TIAA advisor]. Not worth the effort IMHO. Rep walked through my "profile" update affirming assets and risk tolerance. Thanks for this report. My local TIAA rep (a CFP) found out about me and has contacted me about free no-obligation look-see. I might do it if ...
by mrc
Thu Feb 23, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: TSP Participant Account Balances
Replies: 42
Views: 7904

Re: TSP Participant Account Balances

In DC at least, there's a lot of rotation between public and private sector. Could be that people work for five years in gov, go to private sector, and keep the TSP. That could affect balances. Or come to government service as a second career. Wife has over $1M in retirement assets, but not all wit...
by mrc
Thu Feb 23, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 39
Views: 2429

Re: TIAA financial advisor?

In the process of getting ready to retire in 6 months I was wondering what my options were with an old 403b account I had with TIAA-CREF. About a third is in the traditional TIAA annuity paying about 4.5% and the other 2/3 is in the CREF stock fund. (these moneys account for about 15% of my retirem...
by mrc
Tue Feb 21, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Garage Floor Covering - Need Advice
Replies: 20
Views: 1176

Re: Garage Floor Covering - Need Advice

Am considering having our garage floor covered/protected. Can anyone provide advice on either the more permanent epoxy covering or the semi-permanent 'plastic jigsaw pieces' coverings? Primary objective is to protect our new concrete garage floor at a reasonable cost. Thank you, in advance. Protect...
by mrc
Tue Feb 21, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Trying to understand TIAA Traditional
Replies: 25
Views: 997

Re: Trying to understand TIAA Traditional

The one study that I know of comparing TIAA Traditional to bond. http://collegeretirement.blogspot.com/2 ... -deal.html Broken link. I'd like to read this. Found the articles (it's a small site): Is TIAA Traditional a good deal? - The Payout Phase Is TIAA Traditional a Good Deal? - The Accumulation...
by mrc
Tue Feb 21, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Trying to understand TIAA Traditional
Replies: 25
Views: 997

Re: Trying to understand TIAA Traditional

student wrote:
The one study that I know of comparing TIAA Traditional to bond. http://collegeretirement.blogspot.com/2 ... -deal.html


Broken link. I'd like to read this.
by mrc
Tue Feb 21, 2017 6:09 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 6108

Re: Which puppy to buy: golden retriever or labrador retriever?

daveydoo wrote:Hard-earned lesson: it's not the breed, it's the dog.


Not disagreeing with davey, but underscoring: It's what's at the other end of the leash that matters most.

Either a golden or a Labrador will make a fine dog if trained well. Both will shed. There are no bad dogs...
by mrc
Tue Feb 21, 2017 4:46 am
Forum: Investing - Help with Personal Investments
Topic: Best way to Improve TIAA 403b R1
Replies: 8
Views: 416

Re: Best way to Improve TIAA 403b R1

Yes, find out what class of TIAA mutual funds, if any, are included. Institutional Class would be the best... So you're saying my retirement class funds would be less good :( ERs in the mid 60s and up. Yes, for example the TIAA-CREF International Equity Index Fund. With the same holdings, the diffe...
by mrc
Mon Feb 20, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Utility Bills - How do ours compare?
Replies: 37
Views: 2633

Re: Utility Bills - How do ours compare?

Michigan 5000 sq ft gas heating Natural gas $150/mo avg Elec $200/mo avg No water (well) No sewer (septic) Trash $10/mo Remember: Septic systems require periodic service, may only average $8/month but it's not nothing. Well pumps fail, as do septic systems. We replaced a well pump for about $2500, ...
by mrc
Sun Feb 19, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: TSP Expense Ratio jumps to 0.038%
Replies: 57
Views: 5249

Re: TSP Expense Ratio jumps to 0.038%

That change makes TSP the same cost as Vanguard TSM institutional for me, in my TIAA 403b . So for another $50/year, we can have all funds under one roof, easy RMD and rebalancing management, and very flexible withdrawal options. I do not think so. The Vanguard Institutional fund can have such a lo...
by mrc
Sun Feb 19, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: TSP Expense Ratio jumps to 0.038%
Replies: 57
Views: 5249

Re: TSP Expense Ratio jumps to 0.038%

No offense taken. I hope I didn't offend others as well. I wasn't complaining about the absolute ERs of the TSP. I have access to institution funds through a 403b from a former (very large university) employer. I'm not moving $5M chunks around to save fractional basis points. I still believe people ...
by mrc
Sat Feb 18, 2017 6:35 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 48
Views: 5384

Re: Roll Call for the Retirement Class of 2017!

March 3, 2017 will be my last day of work. I thought I would retire 3 years ago, and kept putting it off, raising the bar, but a few weeks ago I just went in and gave notice. So glad I pulled the trigger. Bogleheads has been very helpful along the way. Congratulations! Bogleheads have been essentia...
by mrc
Fri Feb 17, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: RMD timing question (turning 70.5 and still working)
Replies: 11
Views: 496

Re: RMD timing question (turning 70.5 and still working)

Much depends on the size of the institution with the TIAA service and how much Traditional he has. The larger the institution, the better the plan's ER and likely choice of investments. To my knowledge, all of his contributions are traditional and in employer-sponsored plans. He works for a large p...
by mrc
Fri Feb 17, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: What to ask puppy breeder?
Replies: 43
Views: 1573

Re: What to ask puppy breeder?

AKC papers and pedigree records are out (for what the AKC considers mutts), but having acquired many shelter dogs, and purebred dogs over the years (some much better than others), I recommend in no particular order: Checking out the property. Neat and clean kennels are better than dirty ones. House ...
by mrc
Fri Feb 17, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: hard wood floor
Replies: 7
Views: 490

Re: hard wood floor

A picture would be very helpful here. A random blemish in a natural product is to be expected. A tool ding or defect in a board at the focal point of the room is quite another.
by mrc
Fri Feb 17, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: RMD timing question (turning 70.5 and still working)
Replies: 11
Views: 496

Re: RMD timing question (turning 70.5 and still working)

Can't speak to the RMD timing while still working, but I'm interested in what others know. Much depends on the size of the institution with the TIAA service and how much Traditional he has. The larger the institution, the better the plan's ER and likely choice of investments. DW had a 403b with smal...
by mrc
Wed Feb 15, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Retire By 58, 59, 60??
Replies: 10
Views: 1689

Re: Retire By 58, 59, 60??

Again, I'd like to be able to draw around $150-$160k/year.


Including your SS or in addition to it? At $60K in SS, that's still nearly $100K/year withdrawal. With (only) $2M now, in 8 years? You may make that. But don't see how you can get to $160/year withdrawal at SWR.
by mrc
Tue Feb 14, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Scary bed bug addendum on lease - should I walk away?
Replies: 23
Views: 2214

Re: Scary bed bug addendum on lease - should I walk away?

Wonder how often that clause is executed? Bedbugs are awful, and if an infestation is found all units must be treated. I wager that clause exists so that it's easier to talk everyone into paying for their own treatments. Picture this: You live in 4B. 3F notices bedbugs, or an inspection reveals them...
by mrc
Tue Feb 14, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Insane Bloodwork Cost (Quest Diagnostic)
Replies: 51
Views: 4156

Re: Insane Bloodwork Cost (Quest Diagnostic)

Labs may not be able to predict the final cost given the vagaries of insurance plans. But a while back I chose to have a test that wasn't covered by my insurance. The doctor noted the non-coverage in advance. I went to the lab, and they flagged the non-coverage. The lab required payment up front for...
by mrc
Mon Feb 13, 2017 5:31 am
Forum: Investing - Theory, News & General
Topic: Putting entire 401(k) balance in a single fund
Replies: 14
Views: 1648

Re: Putting entire 401(k) balance in a single fund

I do the same thing with my 401k for the same reason. I balance it with my IRA to come up with a three fund portfolio. We do too. We even single fund between us, e.g., wife's account contains all the international equity AA because it's a smallish allocation, and she has access to a great index fun...
by mrc
Sun Feb 12, 2017 8:29 am
Forum: Forum Issues and Administration
Topic: welcome home bogleheads.org
Replies: 30
Views: 2588

Re: welcome home bogleheads.org

Thanks BH admins/leadership for all you do.
by mrc
Sat Feb 11, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Tires for an old car
Replies: 42
Views: 2621

Re: Tires for an old car

This sounds more like a clutch/transmission problem than worn tires.

it feels that the wheels spins, rpm shoots up but the car does not move.
by mrc
Fri Feb 10, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Roth transfers batting .500: What do I do with returned check?
Replies: 5
Views: 504

Re: Roth transfers batting .500: What do I do with returned check?

Alan S gave a clear explanation of the process, but it still seems weird that TIAA would send two checks - one of which was acceptable to Fidelity and the other not. Two separate transfers, one for my and one for my wife. They could have gone down completely different pipes, and apparently they did...
by mrc
Fri Feb 10, 2017 3:59 am
Forum: Investing - Help with Personal Investments
Topic: Roth transfers batting .500: What do I do with returned check?
Replies: 5
Views: 504

Re: Roth transfers batting .500: What do I do with returned check?

Thanks AlanS. I will look for this. I've not done a 60-day ever, so that coast is clear. It was a 100% online action starting with TIAA for a push. Starting a pull from Fido required printed and notarized paperwork. Seems to be a coin toss, and a good reason to select a good custodian that you can s...
by mrc
Thu Feb 09, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Roth transfers batting .500: What do I do with returned check?
Replies: 5
Views: 504

Roth transfers batting .500: What do I do with returned check?

Initiated Roth rollover from TIAA to Fidelity, for spouse and myself. Uploaded completed forms to TIAA dropbox. Easy peasy. Next day funds vanish from both our TIAA accounts. A couple days later, funds appear in spouse's Fido account. A couple days after that, my Fido account still $0 balance. So I ...
by mrc
Sun Feb 05, 2017 10:14 am
Forum: Investing - Theory, News & General
Topic: TSP Expense Ratio jumps to 0.038%
Replies: 57
Views: 5249

Re: TSP Expense Ratio jumps to 0.038%

Collective investment trusts (available only in employer plans) as an alternative to mutual funds may shave a basis point via lower administrative burden. I'm in two CITs at work, a total stock index at 0.1% and a total bond at 0.15%. Twice Vanguard institutional. Employer S&P 500 mutual fund i...
by mrc
Sun Feb 05, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: TSP Expense Ratio jumps to 0.038%
Replies: 57
Views: 5249

Re: TSP Expense Ratio jumps to 0.038%

dm200 wrote:I am not (nor have ever been) a TSP participant. I am a taxpayer and participant in various retirement programs.

I see NO reason that the employer (federal gevernment, taxpayers) should further subsidize the TSP.


The participants pay the expenses.
by mrc
Sun Feb 05, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: TSP Expense Ratio jumps to 0.038%
Replies: 57
Views: 5249

Re: TSP Expense Ratio jumps to 0.038%

The ER has been 0.29%. Though it's still lower than anything else we have. This will make the decision to get completely out of TSP when DW retires (because of the limited withdrawal options) into Vanguard institutional that much easier. ONE basis point is what you consider significant?? If TSP isn...
by mrc
Sun Feb 05, 2017 5:55 am
Forum: Investing - Theory, News & General
Topic: TSP Expense Ratio jumps to 0.038%
Replies: 57
Views: 5249

Re: TSP Expense Ratio jumps to 0.038%

The ER has been 0.029%. Though it's still lower than anything else we have. This will make the decision to get completely out of TSP when DW retires (because of the limited withdrawal options) into Vanguard institutional that much easier.


Edit: I omitted a leading zero.
by mrc
Sat Feb 04, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Contributing to multiple retirement accounts
Replies: 7
Views: 1004

Re: Contributing to multiple retirement accounts

OrderAndChaos wrote: I'm hoping y'all (did I do that right?)


The plural (addressing all members) is all'y'all :beer :wink:
by mrc
Sat Feb 04, 2017 5:45 am
Forum: Personal Finance (Not Investing)
Topic: GF has long commute, should we buy a house to avoid long commute?
Replies: 62
Views: 4608

Re: GF has long commute, should we buy a house to avoid long commute?

We each have about an hour one-way commute. We live where we want to (and we own the house outright now). We work where we have to -- and for us, that can and has changed over time. We have had 5 minute one-way commutes, and 1.5 hour commutes. It would be a difficult time for you two if someone were...
by mrc
Wed Feb 01, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Fire extinguishers
Replies: 45
Views: 2554

Re: Fire extinguishers

Perhaps some "cooking lessons" (with an emphasis on oven safety) might be wise - especially on possible differences in the various types of gas and electric stoves. I couldn't agree more. I haven't let her in my kitchen since. NEVER leave the kitchen with the broiler (whether gas or elect...
by mrc
Wed Feb 01, 2017 11:39 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 48
Views: 5384

Re: Roll Call for the Retirement Class of 2017!

I'm in, graduation day is February 8th. Great to have so many classmates!
by mrc
Tue Jan 31, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Refusing to sign or altering hospital billing admission forms?
Replies: 79
Views: 5914

Re: Refusing to sign or altering hospital billing admission forms?

With so much crowd sourcing now days, I'm surprised there isn't a clearinghouse app to anonymously record your charges and your insurance information to build a public database. Like the sites that record car repairs in exchange for access to the reliability results.
by mrc
Sun Jan 29, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Variable Life Insurance
Replies: 9
Views: 570

Re: Variable Life Insurance

No, you won't get a bill for the difference! Rather, that amount would be deducted from the cash value if you took money out of the policy. With so little accumulated cash value, you can feel good just walking away and not looking back. Another lesson to us all to avoid VUL policies.
by mrc
Sun Jan 29, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Fire extinguishers
Replies: 45
Views: 2554

Re: Fire extinguishers

One on every level, along route of egress. Big one in the garage/shop. We are 12 minutes from a firehouse. Good tip about turning up-side down. I just realized these things are 18 years old. Gauges all green -- but what if I squeeze the trigger and nothing happens? :?: As I understand it, you can't ...
by mrc
Sun Jan 29, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Retirement Portfolio - Dual Career Feds
Replies: 23
Views: 1669

Re: Suggestions for Retirement Portfolio - Dual Career Feds

We found the L-funds too conservative, even if choosing a target date farther in the future. 10% in G didn't work for us with that long to go. YMMV.
by mrc
Sat Jan 28, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 39
Views: 2429

Re: TIAA financial advisor?

I have access to their institutional funds. Equity Index: 0.05% expense ratio and International Equity Index: 0.06% expense ratio. :happy Me too. Had I not agreed to talk with someone from TIAA several months ago for a "check up," I wouldn't have known that either. Rolling employer 401(k)...
by mrc
Sat Jan 28, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 24
Views: 3193

Re: Senior Lifetime National Parks Pass Fee Going Up

Apply online ($20, an extra $10 for going through the mail). Upload proof of age (photo of ID) on the website.
by mrc
Fri Jan 27, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Refusing to sign or altering hospital billing admission forms?
Replies: 79
Views: 5914

Re: Refusing to sign or altering hospital billing admission forms?

When confronted with forms requiring signatures, and not having time to read them, I write "Signed but not read" and then sign. I learned this trick in medical settings... Isn't that " Dictated but not read?" To indicated the author hasn't proofread the output typed out by an as...
by mrc
Mon Jan 23, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: IRA vs 401k & 403b money
Replies: 23
Views: 1614

Re: IRA vs 401k & 403b money

Update To recap, I moved an IRA (with both after-tax and pre-tax contributions) from one custodian to another, and mistakenly placed all of the moved funds in an existing 403(b). [The 403(b) plan allows incoming transfers.] I should have initiated two separate transfers, one in the amount of the aft...
by mrc
Mon Jan 23, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 39
Views: 2429

Re: TIAA financial advisor?

I am seeing a TIAA Financial Consultant at a local branch in February, about a week after I stop working. Thanks to this site (Jane Bryant Quinn, and a lot of dumb luck in the early years), we feel in pretty good shape. Our Traditional portions are already in a TPA (transfer payout annuity), and I p...

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