Search found 3725 matches

by sawhorse
Sat Nov 05, 2022 9:11 pm
Forum: Personal Consumer Issues
Topic: Wearing prescription glasses with snorkeling goggle. Doable?
Replies: 45
Views: 3417

Re: Wearing prescription glasses with snorkeling goggle. Doable?

sandan wrote: Sat Nov 05, 2022 8:44 pm
livesoft wrote: Wed Nov 02, 2022 2:00 pm Wear contacts.

There are inexpensive OTC snorkeling masks with standard prescriptions. Have you seen if there are any close enough for your eyes? I find mine at the Maui Walmart.
+1
I don't think many people realize how easy/comfortable it is to wear soft contacts in the ocean, even without goggles or masks.
Not everyone can wear contacts. I technically could, but they wouldn't correct my vision problems due to the type of lens I need.
by sawhorse
Fri Oct 21, 2022 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a 403b vendor.
Replies: 18
Views: 1298

Re: Choosing a 403b vendor.

drg02b wrote: Fri Oct 21, 2022 11:57 am Pretty sure all of the major groups like VG can administer a 403b plan.


When my husband's company tried to set up a 401k for employees about 6 years ago, Vanguard refused to take them on as a client because there were too few employees. I don't know what the minimum number is, but they do (or at least did) have a minimum size.
by sawhorse
Fri Oct 21, 2022 2:53 pm
Forum: Investing - Theory, News & General
Topic: News: New 401(k) (and other retirement plan) contribution limits for 2023
Replies: 16
Views: 2570

Retirement account contribution limits increased for 2023

[Thread merged into here --admin LadyGeek]

The new limits are 22.5k for 401ks. 403bs, and 457s. And 6500 for IRAs.

https://www.cnbc.com/2022/10/21/investo ... -2023.html
by sawhorse
Mon Oct 10, 2022 9:22 pm
Forum: Personal Consumer Issues
Topic: Dental Plan Scam (new twist on bait & switch?) – Beware and Seeking Advice
Replies: 48
Views: 6331

Re: Dental Plan Scam (new twist on bait & switch?) – Beware and Seeking Advice

Thank you so much for continuing to pursue this. You are a hero!
by sawhorse
Sun Sep 11, 2022 5:43 pm
Forum: Personal Investments
Topic: High expense 403b options - Mutual of America
Replies: 20
Views: 1506

Re: High expense 403b options - Mutual of America

Those expense ratios actually aren't bad. When you see an S&P index with 0.48%, it means that the employer is passing on the cost of offering a retirement plan to the participating employees. My husband works for a small company that for years didn't offer any retirement plan. Then they finally got one with expenses a bit higher than your spouse's. With that plan, all the costs of administering the plan are borne by the employees in the form of higher fees. There is no match. If employees were to protest the plan fees, my guess is that the employer would simply stop offering any plan.
by sawhorse
Sun Sep 11, 2022 12:55 pm
Forum: Personal Consumer Issues
Topic: Background Check for Nanny: One-Time Service, not a Subscription
Replies: 4
Views: 604

Re: Background Check for Nanny: One-Time Service, not a Subscription

If you find the nanny on care.com, the site offers a one-time background check. I think it was $65.
by sawhorse
Thu Sep 01, 2022 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Leaving Vanguard ASAP! Big Security Issue Encountered.
Replies: 178
Views: 19727

Re: Leaving Vanguard ASAP! Big Security Issue Encountered.

And as fund holders, we want that? If it is a wake up call to get Vanguard to pay attention to security....yes we would, and I don't understand why you wouldn't. Yules This also lays waste to “Vanguard is client owned.” Clients want this fixed and it appears it is going to take FINRA to actually fix it. Has Vanguard already responded that they aren’t going to fix it? Yes, through years of incompetence and neglect. IT security is foundational in financial services. Way too many examples of their failures over the last few years.They need to get out of the brokerage business if they cannot maintain the security required for people’s life savings. Back in 2015 a Vanguard employee blew the whistle about security problems and was fired for it. ...
by sawhorse
Mon Aug 29, 2022 10:31 pm
Forum: Personal Consumer Issues
Topic: How often do you upgrade your Smartphone?
Replies: 111
Views: 8533

Re: How often do you upgrade your Smartphone?

I got my first smartphone in 2014. It was a Samsung Galaxy Note 3. It had a removable battery. Whenever the battery lost significant capacity, I popped in a new one for $15.

I finally upgraded last year because the old phone operating system no longer supported a lot of the new apps. Unfortunately the new model doesn't have a removable battery. I understand why businesses practice planned obsolescence, but I detest the practice.
by sawhorse
Mon Aug 29, 2022 5:30 pm
Forum: Personal Consumer Issues
Topic: Dental Plan Scam (new twist on bait & switch?) – Beware and Seeking Advice
Replies: 48
Views: 6331

Re: Dental Plan Scam (new twist on bait & switch?) – Beware and Seeking Advice

wow, will never understand how anyone can do something unethical (like doing unnecessary work on a healthy tooth) to enrich themselves. Either something is missing in their upbringing or schooling (or both). It is sad. I recently chatted with an old friend that I've known since kindergarten. She still lives in the same town. One of the local dentists went to her son's elementary school to give a presentation. My friend was quite upset because this dentist did 10 fillings on her when she was in elementary school that in hindsight she probably didn't need. She had barely even started growing permanent teeth. She said having so many novacaine injections at a time at a young age was traumatic, and now the fillings have all fallen out. That was...
by sawhorse
Mon Aug 29, 2022 3:33 pm
Forum: Personal Consumer Issues
Topic: Recommendations for trip to Arches National Park
Replies: 25
Views: 2132

Re: Recommendations for trip to Arches National Park

I have a lot of experience in national parks and always offer this piece of advice. If either of your children are female, have them practice peeing while squatting if they don't already know how. It takes some practice. I have had to pee among the trees and behind signs MANY times in national parks.
by sawhorse
Mon Aug 29, 2022 3:30 pm
Forum: Personal Consumer Issues
Topic: Dental Plan Scam (new twist on bait & switch?) – Beware and Seeking Advice
Replies: 48
Views: 6331

Re: Dental Plan Scam (new twist on bait & switch?) – Beware and Seeking Advice

In my experience, unless you get a very solid explanation you trust (no "bat-sense" radar going up), or get no explanation, simplest thing to do is to ask for that explanation and say that you would like to get a 2nd opinion and will be asking that your medical records be sent to that provider. Often the reaction you get will give you an answer to whether or not it is necessary. Or, you say that you always like to take time to think about these things, could you take a copy of the notes from that visit home with your to review? You can also ask when is an old piece of work likely to fail and why (have them explain and show you) and result if it does. And how long is it likely to last until it does... My husband went to a dentist ...
by sawhorse
Sun Aug 28, 2022 10:43 pm
Forum: Personal Consumer Issues
Topic: Dental Plan Scam (new twist on bait & switch?) – Beware and Seeking Advice
Replies: 48
Views: 6331

Re: Dental Plan Scam (new twist on bait & switch?) – Beware and Seeking Advice

Please get the word out in whatever way you deem appropriate. There are plenty of honest good dentists, but there are enough crooks in dentistry to really impact the profession.

After my husband saw a crook dentist, we switched to a dental school.
by sawhorse
Thu Aug 11, 2022 10:06 pm
Forum: Personal Consumer Issues
Topic: How often do you upgrade your Smartphone?
Replies: 111
Views: 8533

Re: How often do you upgrade your Smartphone?

I upgraded to my current phone last year. The previous one I had for 7 years. It had a replaceable battery, so every year I popped in a new $15 battery. The old phone was a Samsung Galaxy Note 3, and the new one is a Galaxy Note 10.
by sawhorse
Tue Aug 09, 2022 1:54 pm
Forum: Personal Investments
Topic: Retiring With 100% Stocks
Replies: 45
Views: 6256

Re: Retiring With 100% Stocks

I wouldn't do it unless one of the following is true:

1. You have a good pension

2. You have so much money that you wouldn't possibly run out of money in your lifetime even with a huge market downturn and a very long life
by sawhorse
Sat Aug 06, 2022 1:39 pm
Forum: Personal Consumer Issues
Topic: Daughter’s 1st Birthday Party
Replies: 48
Views: 3753

Re: Daughter’s 1st Birthday Party

In all seriousness, is this birthday party for your daughter (who will not remember any of it) or is it for you?? The timeframe of 3-4 hours is toooooo long for a 1st birthday party (1-2 hours max). And the number of guests is also on the high side. I agree with the other poster regarding setting "high expectations." Normally, there is some very, very simple food served, one cake for guests, one smaller cake for the child to "dig into," and some ice cream. Keep this very simple. Most kids on their first birthday are much more interested in a box or pan with some type of spoon/spatula to hit the box or the pan. I would save the money and put into a college fund. I agree. A lavish birthday party for a 1 year old seems lik...
by sawhorse
Fri Aug 05, 2022 4:19 pm
Forum: Personal Investments
Topic: Newcomer Portfolio Questions
Replies: 65
Views: 5622

Re: Newcomer Portfolio Questions

One thing that jumped out at me was how small your emergency fund is. With 2 kids and a wife, it really should be more than 3 months. I second the suggestion to open a Roth IRA. One great thing about Roth IRAs is that they can be used as a backup emergency fund. https://www.investopedia.com/articles/personal-finance/040714/how-use-your-roth-ira-emergency-fund.asp "You can only contribute a few thousand dollars to a Roth IRA each year, and once a year passes without a contribution, you lose the opportunity to make it forever" I am not sure what this quote means. Why would i never be able to contribute to a Roth IRA forever, if I don't contribute for a year but want to contribute the next? Right now the annual limit for Roth IRA co...
by sawhorse
Wed Aug 03, 2022 4:30 pm
Forum: Personal Investments
Topic: Contribute pre-tax or after-tax dollars to 401k?
Replies: 13
Views: 1351

Re: Contribute pre-tax or after-tax dollars to 401k?

What is your tax bracket? What state are you in?
by sawhorse
Mon Aug 01, 2022 7:43 pm
Forum: Personal Investments
Topic: College Student Wanting to Invest
Replies: 2
Views: 341

Re: College Student Wanting to Invest

Opening a Roth IRA is never a bad idea at your age and income level. It can serve as your emergency fund because you can withdraw up to the amount you contributed at any time without taxes or penalties. I would suggest investing it in a somewhat conservative fund if you don't have another emergency fund.
by sawhorse
Sun Jul 31, 2022 2:55 pm
Forum: Personal Investments
Topic: Help Selecting 403b Funds
Replies: 21
Views: 1352

Re: Help Selecting 403b Funds

ruralavalon wrote: Sun Jul 31, 2022 10:19 am 1) Vanguard Institutional Index Fund Institutional Plus (a S&P 500 index fund) [VIIIX] - ER: 0.02%;
2) Vanguard Developed Markets Index Fund Institutional Shares [VTMNX] - ER: 0.05%; and
3) Vanguard Total Bond Market Index Fund Institutional [VBTIX] - ER: 0.04%.
These funds in combination give you very broad diversification (to reduce your risk), with very low expense ratios (to increase your net returns).
What is the advantage of using Vanguard Total Bond Market instead of TIAA Traditional GSRA?
by sawhorse
Sat Jul 30, 2022 3:45 pm
Forum: Personal Investments
Topic: Help Selecting 403b Funds
Replies: 21
Views: 1352

Re: Help Selecting 403b Funds

By the way, it's not a bad thing that you didn't contribute for the last 1.5 years. The S&P 500 is barely above where it was 1.5 years ago and is substantially below where it was 6 months ago. So you might actually have come out ahead.
by sawhorse
Sat Jul 30, 2022 2:08 pm
Forum: Personal Investments
Topic: Help Selecting 403b Funds
Replies: 21
Views: 1352

Re: Help Selecting 403b Funds

Putting it in a target date is fine, but I would put instead do a combination of the following:

Vanguard Institutional Index Fund
Vanguard Extended Market Index Fund
Vanguard Developed Markets Index Fund
Vanguard Emerging Markets Index Fund
TIAA Traditional
TIAA Real Estate
by sawhorse
Fri Jul 29, 2022 7:12 pm
Forum: Personal Investments
Topic: I-Bond $5k Tax Refund - Still Waiting
Replies: 7
Views: 906

Re: I-Bond $5k Tax Refund - Still Waiting

I filed in February and didn't get my refund or I-bonds until two weeks ago.
by sawhorse
Thu Jul 28, 2022 7:06 pm
Forum: Personal Investments
Topic: 401(k) Questions
Replies: 12
Views: 1192

Re: 401(k) Questions

Instead of a 401k, I would recommend putting your money into a Roth IRA first since you don't have an emergency fund. A Roth IRA can function as an emergency fund, as you can withdraw the amount you contributed at any time without penalties or taxes.

https://www.mymoneydesign.com/roth-ira- ... ency-fund/
by sawhorse
Tue Jul 26, 2022 8:43 pm
Forum: Personal Investments
Topic: 401k rollover questions
Replies: 14
Views: 1193

Re: 401k rollover questions

nonemoreyears wrote: Tue Jul 26, 2022 1:48 pm Any other caveats I should be aware of?
Be aware that when you convert your 401k to an IRA, you may lose protection from civil lawsuits. 401ks have ironclad protection against lawsuits in all states, but not all states protect IRAs.
by sawhorse
Mon Jul 25, 2022 10:12 pm
Forum: Personal Investments
Topic: How big a nest egg is really enough??
Replies: 82
Views: 12825

Re: How big a nest egg is really enough??

It depends on what kind of lifestyle you want in retirement. Something like a fifth of retirees live solely off Social Security, so it's possible to survive on no nest egg at all. But your quality of life would be severely diminished.
by sawhorse
Sun Jul 24, 2022 1:06 pm
Forum: Personal Investments
Topic: TIAA Real Estate Account QREARX
Replies: 5
Views: 885

Re: TIAA Real Estate Account QREARX

Do you have access to TIAA Traditional? That is what I use in lieu of a bond fund. I think it's superior to a bond fund, as I have the version that is liquid. Some versions are illiquid.

It's best for you to post all your available funds.
by sawhorse
Sat Jul 23, 2022 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for medical school
Replies: 54
Views: 6135

Re: Paying for medical school

This isn't about paying for medical school, but one thing she may want to consider is freezing her eggs if she hopes to have children eventually. Yes I know that some women have children in medical school or during residency, but it's extremely stressful to be a new mother while working 80 hours a week for less than minimum wage. By freezing her eggs, she can greatly increase her chances of having children when her career is established and she is more financially secure.
by sawhorse
Fri Jul 22, 2022 9:11 pm
Forum: Personal Investments
Topic: Sell taxable in order to contribute to 401k and Roth IRA?
Replies: 24
Views: 2149

Re: Sell taxable in order to contribute to 401k?

This is an odd question, OP. What childcare expenses had you not prepared for before now? And are you taking any steps to increase your income? This appears to be a long-term problem for you. I can't work due to severe health problems. Those same health problems preclude me from taking care of my child too. I'm physically unable to even pick her up off the floor. That's unfortunate, and I'm sorry to hear it. You may wish to start another thread regarding how to finance your living situation on whatever size your portfolio is. I wouldn't worry a ton about contributing to a 401(k); you've got bigger fish to fry. This board is an incredible resource. Wishing you improved health! We are extremely privileged in that my husband is a high earner ...
by sawhorse
Fri Jul 22, 2022 9:00 pm
Forum: Personal Investments
Topic: Sell taxable in order to contribute to 401k and Roth IRA?
Replies: 24
Views: 2149

Re: Sell taxable in order to contribute to 401k?

mikejuss wrote: Fri Jul 22, 2022 8:48 pm This is an odd question, OP. What childcare expenses had you not prepared for before now? And are you taking any steps to increase your income? This appears to be a long-term problem for you.
I can't work due to severe health problems. Those same health problems preclude me from taking care of my child too. I'm physically unable to even pick her up off the floor.
by sawhorse
Fri Jul 22, 2022 7:58 pm
Forum: Personal Investments
Topic: Sell taxable in order to contribute to 401k and Roth IRA?
Replies: 24
Views: 2149

Re: Sell taxable in order to contribute to 401k?

Another question: What do you think about selling taxable to contribute to a 529?
by sawhorse
Fri Jul 22, 2022 7:04 pm
Forum: Personal Investments
Topic: Sell taxable in order to contribute to 401k and Roth IRA?
Replies: 24
Views: 2149

Re: Sell taxable in order to contribute to 401k?

Due to a new baby and the astronomical price of childcare, my husband and I won't be able to fund 401k and Roth IRA accounts this year unless we sell assets from our taxable account. Would this be a good idea? My thinking was that the long term capital gains are taxed at 15% whereas the money that would go into the 401k would be taxed at 22%. There is no company match. What about Roth IRAs--should we sell taxable to fund Roth accounts? More detail is needed. So you have a sufficient emergency fund? How much taxable will you have left? I made the decision this year to do this, but have plenty of liquidity is needed. If I didn’t have any savings beyond the taxable assets in selling and a 401k, I would not do this. I have several lines of eme...
by sawhorse
Fri Jul 22, 2022 6:28 pm
Forum: Personal Investments
Topic: Sell taxable in order to contribute to 401k and Roth IRA?
Replies: 24
Views: 2149

Re: Sell taxable in order to contribute to 401k?

tenkuky wrote: Fri Jul 22, 2022 6:25 pm Not enough information.
What gains/losses in the taxable? Can you offset one with other to reduce tax bite?
What sort of annual costs are we talking and would this not be covered by the emergency fund/liquid cash?
Does doing the 401K contribution drop you a potential tax bracket whereas not doing it does not?
We have some capital losses carried over from previous years. We are in the high middle part of the 22% bracket, and I don't think the 401k contribution would drop us into another bracket.
by sawhorse
Fri Jul 22, 2022 6:15 pm
Forum: Personal Investments
Topic: Sell taxable in order to contribute to 401k and Roth IRA?
Replies: 24
Views: 2149

Sell taxable in order to contribute to 401k and Roth IRA?

Due to a new baby and the astronomical price of childcare, my husband and I won't be able to fund 401k and Roth IRA accounts this year unless we sell assets from our taxable account. Would this be a good idea? My thinking was that the long term capital gains are taxed at 15% whereas the money that would go into the 401k would be taxed at 22%. There is no company match.

What about Roth IRAs--should we sell taxable to fund Roth accounts?
by sawhorse
Fri Jul 22, 2022 1:24 pm
Forum: Personal Investments
Topic: Should I Move My Rollover IRA to 457
Replies: 2
Views: 358

Re: Should I Move My Rollover IRA to 457

Is this a governmental or non-governmental 457?
by sawhorse
Mon Jul 18, 2022 7:43 pm
Forum: Personal Investments
Topic: Newcomer Portfolio Questions
Replies: 65
Views: 5622

Re: Newcomer Portfolio Questions

One thing that jumped out at me was how small your emergency fund is. With 2 kids and a wife, it really should be more than 3 months. I second the suggestion to open a Roth IRA. One great thing about Roth IRAs is that they can be used as a backup emergency fund.

https://www.investopedia.com/articles/p ... y-fund.asp
by sawhorse
Tue Jul 12, 2022 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refunds - anyone else?
Replies: 42
Views: 3467

Re: Tax refunds - anyone else?

I had a thread about my return. In short, I submitted it in February. For months the Where's My Refund page had no record of it. Then a few days ago I got the refund.

viewtopic.php?t=376032
by sawhorse
Tue Jul 12, 2022 8:02 pm
Forum: Personal Consumer Issues
Topic: College application question for child (econ top private vs business state school)
Replies: 102
Views: 8473

Re: College application question for child (econ top private vs business state school)

am wrote: Tue Jul 12, 2022 4:31 pm However, Northwestern has no business school for undergrads. An econ major may work for her goals at this school. If she does not like it, there is no relevant major to switch to. She does not like math much.
Serious academic economics is basically all math. In fact, a large proportion of the Economics PhD students at the school I attended were math majors in undergrad.
by sawhorse
Mon Jul 11, 2022 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: IRS can't find my return?
Replies: 52
Views: 4818

Re: IRS can't find my return?

sawhorse wrote: Wed Jul 06, 2022 10:07 pm Update: The refund showed up in my bank account today. Still waiting for the paper I-bonds.
Update: The I-bonds arrived.
by sawhorse
Sat Jul 09, 2022 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Rent increase
Replies: 19
Views: 2697

Rent increase

My husband and I moved into a new place last year. Our landlord wants a 5% increase to renew for another year. At our previous place, which we lived in for 7 years, the annual rent increases were between 0% and 2.5%. At the place before that, where we lived for 3 years, there were no rent increases.

Is 5% a reasonable increase this year, or should we try to negotiate it down?
by sawhorse
Wed Jul 06, 2022 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: IRS can't find my return?
Replies: 52
Views: 4818

Re: IRS can't find my return?

Update: The refund showed up in my bank account today. Still waiting for the paper I-bonds.
by sawhorse
Tue Jul 05, 2022 6:48 pm
Forum: Personal Consumer Issues
Topic: Pay nanny "cash" but do it legally/above table?
Replies: 79
Views: 9323

Re: Pay nanny "cash" but do it legally/above table?

Why would you hire a nanny who's likely trying to commit tax evasion right from the start? Exactly. Unless she can articulate why pregnancy impacts the payment method, find someone else is what I recommended upthread as well. My guess is that being paid legally may impact her and her child's eligibility for programs like WIC and Medicaid. Thank you, all, so much , for your thoughts that it doesn’t necessarily matter exactly how we pay as long as we create and keep records and pay all required payroll taxes etc. We certainly want to keep things legal. Not necessarily just from an ethical perspective as we are honestly a little desperate at the moment as our prior childcare has fallen through unexpectedly, but also from standpoint of coverag...
by sawhorse
Tue Jul 05, 2022 6:42 pm
Forum: Personal Consumer Issues
Topic: Pay nanny "cash" but do it legally/above table?
Replies: 79
Views: 9323

Re: Pay nanny "cash" but do it legally/above table?

newyorker wrote: Tue Jul 05, 2022 5:42 pm
ScaledWheel wrote: Tue Jul 05, 2022 11:22 am
newyorker wrote: Mon Jul 04, 2022 6:30 pm Pay her with a check. You paid her legally. If she doesnt report income, its her fault.
This is not the case if the nanny performs work in your house. Then they fall under the classification of a household employee and you (the employer) shoulder the responsibility for paying the employer’s share of taxes.
Can you do it as 1099?
That would be illegal.

https://gtm.com/household/give-nanny-1099/
by sawhorse
Mon Jul 04, 2022 5:17 pm
Forum: Personal Consumer Issues
Topic: Pay nanny "cash" but do it legally/above table?
Replies: 79
Views: 9323

Re: Pay nanny "cash" but do it legally/above table?

Quite a few of the payroll services have you write the check to the nanny. They do the withholding calculations for you, and every quarter they withdraw money from your account to pay the tax authorities, but the actual paycheck is your personal check. I use Poppins Payroll.
by sawhorse
Thu Jun 30, 2022 11:41 am
Forum: Personal Investments
Topic: Any limit on 529 plan contribution?
Replies: 17
Views: 1889

Re: Any limit on 529 plan contribution?

There is a limit of $16k per year or $80k per five years I think. Some states also cap the total contributions.
by sawhorse
Thu Jun 30, 2022 11:40 am
Forum: Personal Consumer Issues
Topic: Colorado Springs - 1 day tourism
Replies: 33
Views: 3055

Re: Colorado Springs - 1 day tourism

Garden of the Gods and the Air Force Academy
by sawhorse
Wed Jun 29, 2022 5:32 pm
Forum: Personal Consumer Issues
Topic: Zion NP with kid
Replies: 59
Views: 5974

Re: Zion NP with kid

This is going to sound strange, but it's a completely serious suggestion. Before your daughter goes, have her practice peeing while squatting if she doesn't know how to do that. My father trained me as a child before going on a massive road trip in which we visited dozens of national parks. There were many times in national parks, including Zion, where I had to pee behind a sign or on the side of the road.
by sawhorse
Mon Jun 20, 2022 5:19 pm
Forum: Personal Investments
Topic: Allocation of bonds for a young investor
Replies: 18
Views: 2219

Re: Allocation of bonds for a young investor

Do you have a decent sized emergency fund? If so, then I think 100% stocks is fine at your age.
by sawhorse
Mon Jun 20, 2022 4:41 pm
Forum: Personal Investments
Topic: AA: Feedback sought + stock/REIT correlation?
Replies: 25
Views: 1474

Re: AA: Feedback sought + stock/REIT correlation?

What is the correlation between stocks and TIAA Real Estate (TREA)?
by sawhorse
Sun Jun 19, 2022 10:33 pm
Forum: Personal Investments
Topic: Target date funds
Replies: 37
Views: 4625

Re: Target date funds

One thing I recommend with target date funds is to go by your desired allocation rather than the year in the fund name. When I was comparing target date funds, I was surprised at how different the allocations were for the same year. IIRC the TSP funds had much more conservative allocations than Blackrock and Vanguard. Fidelity Freedom Index was somewhere in between.
by sawhorse
Sat Jun 18, 2022 11:22 am
Forum: Personal Consumer Issues
Topic: When doctors leave patients behind
Replies: 60
Views: 8452

Re: When doctors leave patients behind

I've had a doctor leave a few times. Once the doctor got a surprise job offer at a renowned medical school. The practice, which was part of a huge health conglomerate, had hired a new doctor and assigned all of the old doctor's patients to the new doctor. There was a several months gap between the old doctor leaving and the new doctor starting, so a lot of appointments got pushed back. During the interim, other doctors in the practice covered emergencies. One time a doctor in a practice with 3 doctors left. Someone new was hired, but again there was a gap of a few months. I received a letter in advance, and the doctor also told me in person. One time a doctor in a solo practice closed the practice and moved to another state. I received a le...