Search found 807 matches

by student
Wed Jul 26, 2017 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Why not Schwab instead of Vanguard?
Replies: 53
Views: 2276

Re: Why not Schwab instead of Vanguard?

To me, having good customer service is like having insurance. You don't need it most of the time but when you do, you want it to be there. I have accounts at Vanguard, Fidelity and Schwab for many years, I have called them a few times. In general, I found Fidelity and Schwab better. (To be fair, my ...
by student
Mon Jul 24, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Discover(card) Now Offers Free Social Security Number Alerts
Replies: 9
Views: 640

Re: Discover(card) Now Offers Free Social Security Number Alerts

I signed up a few days ago. Had you already previously been getting the Discover card free monthly FICO score? If so, when you signed up for this new feature, did it reset the monthly date on which you get that score? (I was wondering if this could give a way to change the date.) I did not know tha...
by student
Mon Jul 24, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: LBYM
Replies: 2
Views: 463

Re: LMYM

ResearchMed wrote:
student wrote:I came across this youtube channel, which maybe helpful to younger generation. Of course, there is nothing new for regular forum members. https://www.youtube.com/watch?v=Ke-Xj8VhWVU


"LMYM"?


Sorry. Typo. LBYM.
by student
Mon Jul 24, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: LBYM
Replies: 2
Views: 463

LBYM

I came across this youtube channel, which maybe helpful to younger generation. Of course, there is nothing new for regular forum members. https://www.youtube.com/watch?v=Ke-Xj8VhWVU
by student
Sun Jul 23, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's you safety deposit box fee?
Replies: 50
Views: 2796

Re: What's you safety deposit box fee?

If you have high 5 figures at Merrill Edge, did you sign up for Preferred Rewards? It gives you a free small deposit box.
by student
Sun Jul 23, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs Personal Capital
Replies: 2
Views: 475

Re: Fidelity vs Personal Capital

I use both for comparison. I fond them giving essentially the same info.
by student
Sun Jul 23, 2017 8:00 am
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 3938

Re: How much electricity are you using and how expensive it is?

I use gas for heat and electricity for everything else. I used 277kwh last month and the total cost is $50. Last month it was nice enough that I do not need air conditioning. I only turn on the air conditioning when it is above 80. I live on the second floor in a condo unit.
by student
Sun Jul 23, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 107
Views: 5467

Re: Is Amazon Prime worth it?

To me personally, it is not worth it if I compare the cost of shipping and the rental of the movies that I want to watch, if I do not have it. Nevertheless, I still have it because of the convenience.
by student
Sun Jul 23, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: Would you chase down this possible hit and run lead?
Replies: 31
Views: 2727

Re: Would you chase down this possible hit and run lead?

At this point, I would not pursue it as it is not worth the trouble.
by student
Sun Jul 23, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Lifetime Tire Alignment
Replies: 35
Views: 2385

Re: Lifetime Tire Alignment

My experience is that Firestone does tires and alignments fine, but they continuously try to sell you on sometimes unnecessary maintenance and repairs. I usually DIY, so that typically doesn't work on me. Unfortunately last year Firestone reported that my brake pads were wearing unevenly, with one ...
by student
Sat Jul 22, 2017 7:10 pm
Forum: Investing - Theory, News & General
Topic: Changes to Univ California Retirement Plan
Replies: 14
Views: 1723

Re: Changes to Univ California Retirement Plan

Re: Group 3 funds - The student is incorrect when stating "funds in category 3 are redundant." The Balanced Growth Fund has a fixed asset mix unlike the Target funds where the asset allocation changes over time. I have invested 100% of my 403(b) money in the UC Balanced Growth Fund for ov...
by student
Sat Jul 22, 2017 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2271

Re: Fidelity Full View usefulness?

I did find asset allocation in portfolio analysis and it does display the allocation by asset class, but it does not include external accounts seen in Full View. The latter reports asset allocation only by accounts, not by class, as I reported earlier. If something I'm doing excludes external accou...
by student
Sat Jul 22, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: Career Advice
Replies: 19
Views: 1511

Re: Career Advice

I am a bit surprised at the transition to a full-time position at the university after one semester. Is it a full-time tenure-track position or non-tenure-track position? It is very unusual to have such an arrangement for a tenure-track position. For full-time non-tenure-track position, it is still ...
by student
Fri Jul 21, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2271

Re: Fidelity Full View usefulness?

FV can be a little slow and clunky, but in the end it allows me to track my expenses very easily. This is important to me as I run up to retirement. It also accurately captures Fidelity and external investments. With that said, I have a substantial amount in TIAA-CREF and while FV accurately tracks...
by student
Thu Jul 20, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2271

Re: Fidelity Full View usefulness?

FV can be a little slow and clunky, but in the end it allows me to track my expenses very easily. This is important to me as I run up to retirement. It also accurately captures Fidelity and external investments. With that said, I have a substantial amount in TIAA-CREF and while FV accurately tracks...
by student
Thu Jul 20, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2271

Re: Fidelity Full View usefulness?

FV can be a little slow and clunky, but in the end it allows me to track my expenses very easily. This is important to me as I run up to retirement. It also accurately captures Fidelity and external investments. With that said, I have a substantial amount in TIAA-CREF and while FV accurately tracks...
by student
Thu Jul 20, 2017 6:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 6469

Re: Vanguard 403b Changes

I got my letter today, so they are still going out. 2- Would all the shares convert to Admiral shares? If this is the case, the savings in switching to Admiral shares would more than offset the cost of the $60 fee. Answer: Yes, if Admiral shares are available for those funds. There would be no mini...
by student
Thu Jul 20, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: 6K credit line too low.
Replies: 18
Views: 1548

Re: 6K credit line too low.

Pajamas wrote:I think it would be best to have have one card from each of two issuers if you are going to have two cards so that you aren't reliant on one issuer in case of anything unexpected.


I agree. If possible, have one VISA and one Mastercard.
by student
Thu Jul 20, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2271

Re: Fidelity Full View usefulness?

I don't quite understand. It displays asset allocation across all accounts for me. I have double checked this with Personal Capital and both essential give the same allocation. The "asset" description I see is the account name, not asset class. Others corroborated that. I can't find any s...
by student
Thu Jul 20, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 6469

Re: Vanguard 403b Changes

6. I don't want the Newport Group involved with my account. I do want Admiral class shares, but don't see why I have to pay $60 a year for the privilege of having access to them. Does a store charge you an entrance fee at the door for the right to shop there and buy their products? The shine has co...
by student
Thu Jul 20, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2271

Re: Fidelity Full View usefulness?

Honestly, it's not Fidelitys fault that other companies are constantly changing things, but they can't keep up and I can't keep up. I don't fault Fidelity for not being able to connect. That's the responsibility of their data provider (Yodlee?) and it's a moving target. I do fault Fidelity for not ...
by student
Thu Jul 20, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1984
Views: 331593

Re: What's Your Credit Card Rewards Strategy?

Thanks. I am interested if anyone had personal experience with using CSP or CSR medical coverage and how it worked for them. Victoria If you travel a lot and if the coverage is adequate for your needs, that $450 AF might be a bargain if the travel coverage substitutes for domestic coverage. I trave...
by student
Thu Jul 20, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2271

Re: Fidelity Full View usefulness?

I use the tools but I manually input the holdings and update them regularly.
by student
Wed Jul 19, 2017 6:08 am
Forum: Investing - Help with Personal Investments
Topic: Shall I roll over my TIAA-CREF retirment account to Vanguard
Replies: 32
Views: 4072

Re: Shall I roll over my TIAA-CREF retirment account to Vanguard

So I called a TIAA guy that I used to work with when I used their Wealth Management services (not the WM guy but an admin person) and said they are still my reps even though I don't pay for their service. He told me something that I did not know, that as a former NY employee (City University of NY)...
by student
Tue Jul 18, 2017 11:33 am
Forum: Investing - Theory, News & General
Topic: Changes to Univ California Retirement Plan
Replies: 14
Views: 1723

Re: Changes to Univ California Retirement Plan

I don't see any downside for you. Funds in category 1 are essentially just have a name change, Funds in category 2 now have lower expense so it is a plus, and funds in category 3 are redundant.
by student
Mon Jul 17, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 21
Views: 1632

Re: Xfinity Mobile

I was starting to think about getting a new iPhone anyway - my current IPhone 5 was still fine but the better camera and fingerprint home button for the iPhone 7 were features I placed some value on. Even on my old Verizon plan I only used about 500MB of data a month without any attempt at conserva...
by student
Mon Jul 17, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Hearing 3 beeps in Prius 2005
Replies: 23
Views: 1478

Re: Hearing 3 beeps in Prius 2005

chancelet wrote:
student wrote:Look like you have tried many different ways already. The only thing I can think of is try another dealer.


I've tried two so far.


Oh. You really have thought of everything.
by student
Mon Jul 17, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Shall I roll over my TIAA-CREF retirment account to Vanguard
Replies: 32
Views: 4072

Re: Shall I roll over my TIAA-CREF retirment account to Vanguard

I'm also considering what to do with my TIAA 403(b) from a university that I haven't worked at for 29 years. I'd always been pretty happy with their ER so I left it there, but looking at it now, they're definitely higher than I thought. I do not have access to TISPX that was mentioned earlier. Inst...
by student
Mon Jul 17, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 21
Views: 1632

Re: Xfinity Mobile

I was starting to think about getting a new iPhone anyway - my current IPhone 5 was still fine but the better camera and fingerprint home button for the iPhone 7 were features I placed some value on. Even on my old Verizon plan I only used about 500MB of data a month without any attempt at conserva...
by student
Mon Jul 17, 2017 5:40 am
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 2996

Re: Apple iMac problem?

Time Machine is an option in settings which will automatically backup your computer once every hour. If you have this option on, try disabling it. kjvm Okay I think I've found it, it looks like my WD MyBook external drive is the Time Machine and is updating every hour. I unplugged it and will see h...
by student
Mon Jul 17, 2017 5:22 am
Forum: Personal Consumer Issues
Topic: Hearing 3 beeps in Prius 2005
Replies: 23
Views: 1478

Re: Hearing 3 beeps in Prius 2005

Look like you have tried many different ways already. The only thing I can think of is try another dealer.
by student
Sun Jul 16, 2017 9:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 6469

Re: Vanguard 403b Changes

Anybody thinking about moving to TIAA better be getting a better deal than they offer here in OCPS (FL). I wrote about TIAA at https://educatorsfightingforfairness.wordpress.com/inferior-ocps-403b-457b-plans/tiaa/ , they charge you 0.63% to build a 3 Fund Portfolio using Vanguard funds. It is even ...
by student
Sun Jul 16, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 6469

Re: Vanguard 403b Changes

Anybody thinking about moving to TIAA better be getting a better deal than they offer here in OCPS (FL). I wrote about TIAA at https://educatorsfightingforfairness.wordpress.com/inferior-ocps-403b-457b-plans/tiaa/ , they charge you 0.63% to build a 3 Fund Portfolio using Vanguard funds. It is even ...
by student
Sat Jul 15, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Rent in safer neighborhood or buy in less safe one?
Replies: 67
Views: 4266

Re: Rent in safer neighborhood or buy in less safe one?

I think one may need to look at the crime rate carefully to see whether most are violent crimes or non-violent crimes. For example, one of the most expensive areas around here actually has a relatively high crime rate compare to residential neighborhood as it is near the restaurant and bar areas, so...
by student
Sat Jul 15, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Ally debit card for ATM withdrawals outside the United States
Replies: 23
Views: 1054

Re: Ally debit card for ATM withdrawals outside the United States

The only cash you need is for tipping at hotels and you can use US dollars. There are enough tourists that this will not be unusual.
by student
Fri Jul 14, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: TIAA vs. Vanguard advisors - is TIAA better?
Replies: 2
Views: 429

Re: TIAA vs. Vanguard advisors - is TIAA better?

Since it is free, you may as well use both and compare notes. I have no experience with Vanguard but I have meet both TIAA advisors and Fidelity Advisors. The TIAA advisor answered all my questions and he asked me whether I understand the difference between liquid and illiquid TIAA Traditional. I wo...
by student
Thu Jul 13, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 178
Views: 7195

Re: Do you count vehicle equity in net worth?

Like many others, I do not. In fact, I also do not include my house. The reason is I want to use net worth to gauge when I will be financially independent with respect to annual expense. When I retire, I still need a car and a place to stay. The house (well, condo) is paid off and it is an el cheapo...
by student
Thu Jul 13, 2017 6:24 am
Forum: Investing - Theory, News & General
Topic: Public Plan Data
Replies: 1
Views: 222

Public Plan Data

I saw this at morningstar. Some of you may be interested in this.

http://publicplansdata.org/
by student
Wed Jul 12, 2017 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Assistance with FI and question about TIAA traditional
Replies: 5
Views: 404

Re: Assistance with FI and question about TIAA traditional

I am not sure what do you mean by productive but I can tell you that almost all my fixed income investments are in various flavors of TIAA Traditional. You may want to look at https://www.bogleheads.org/forum/viewtopic.php?f=1&t=217366 https://www.bogleheads.org/forum/viewtopic.php?f=1&t=218...
by student
Tue Jul 11, 2017 6:11 am
Forum: Investing - Theory, News & General
Topic: Schwab promotion for Scottrade clients
Replies: 1
Views: 352

Schwab promotion for Scottrade clients

Saw this on another site. "Enroll and bring your Scottrade assets to Schwab to earn: Commission-free online equity trades for the number of years you were a Scottrade client $4.95 online equity commissions for the remainder of the time you maintain your enrolled account at Schwab" http://w...
by student
Tue Jul 11, 2017 5:44 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 369
Views: 64046

Re: Bank of America/Merrill Edge - Preferred Rewards

I am not sure of which money to transfer (IRA vs CMA). I doubt if I can move my IRA as their are institutional.I do not have more than 200k in Roth. I'm not sure what you mean by institutional here. Generally the best accounts to get bonuses in are Roths of course, because the bonus is never taxed....
by student
Sun Jul 09, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 478
Views: 65302

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Just reporting that I received the $1k transfer bonus from MerrillEdge. The whole process was very easy. ME makes it extremely easy to transfer assets from other brokerages. I am enjoying the 100 free trades also. Thanks to Lemongrab and other posters for all the detailed information in this thread...
by student
Sun Jul 09, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 478
Views: 65302

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Currently, if all brokerages stopped offering bonuses, I'd probably settle at Merrill Edge. It's just the best all-round deal for my needs. Someone else's needs might differ. havent used ME before. I assume they allow you to hold vanguard etfs? thanks! Yes. You can hold any ETF that is on the open ...
by student
Sun Jul 09, 2017 7:25 am
Forum: Investing - Help with Personal Investments
Topic: New member asking about initial portfolio choices
Replies: 18
Views: 1703

Re: New member with no direction

That target 2025 fund looks interesting I will see if it's available through fidelity or if I need to switch firms I did read the suggested materials Thank you Fidelity has something similar which to me is just as good. https://fundresearch.fidelity.com/mutual-funds/summary/315793604 It is Fidelity...
by student
Sun Jul 09, 2017 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Any credit cards with good travel insurance and low to no annual fees?
Replies: 5
Views: 479

Re: Any credit cards with good travel insurance and low to no annual fees?

I have a no-fee version of Chase Sapphire that has a $5,000 limit on such insurance. (If your trip is cancelled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fa...
by student
Sun Jul 09, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 369
Views: 64046

Re: Bank of America/Merrill Edge - Preferred Rewards

I am not sure of which money to transfer (IRA vs CMA). I doubt if I can move my IRA as their are institutional.I do not have more than 200k in Roth. I'm not sure what you mean by institutional here. Generally the best accounts to get bonuses in are Roths of course, because the bonus is never taxed....
by student
Sun Jul 09, 2017 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 369
Views: 64046

Re: Bank of America/Merrill Edge - Preferred Rewards

I am not sure of which money to transfer (IRA vs CMA). I doubt if I can move my IRA as their are institutional.I do not have more than 200k in Roth. I'm not sure what you mean by institutional here. Generally the best accounts to get bonuses in are Roths of course, because the bonus is never taxed....
by student
Sun Jul 09, 2017 6:14 am
Forum: Personal Consumer Issues
Topic: Do not buy new cellphones on ebay
Replies: 38
Views: 3987

Re: Do not buy new cellphones on ebay

For $130, you can buy a Motorola E4, which just came out.

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