Search found 604 matches

by student
Mon Apr 24, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: understanding TIAA-CREF
Replies: 16
Views: 538

Re: understanding TIAA-CREF

For many universities, TIAA has consultants that will come to your campus several times a year for one-on-one meeting. Its website also has good information. For example, you may find this helpful. https://www.tiaa.org/public/pdf/transfe ... uities.pdf
by student
Mon Apr 24, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: I need to rant about ATT Wireless.
Replies: 12
Views: 920

Re: I need to rant about ATT Wireless.

I suggest that you either go to a company store in your area or call back and ask to be transferred to retention for better customer service. When you are talking to them, tell them that you would like to continue the service and ask them to throw in a phone.
by student
Thu Apr 20, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: Improving my Math Skills
Replies: 27
Views: 2935

Re: Improving my Math Skills

This is standard elementary first course in operations research that you can take a look at.

https://www.amazon.com/Introduction-Ope ... 0073376299
by student
Tue Apr 18, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: $10 withdrawal by the IRS?
Replies: 17
Views: 1712

Re: $10 withdrawal by the IRS?

Hi folks. The IRS withdrew $10 from our checking account today (tax day; I don't think that's a coincidence). I have no idea why this was done. We received a large refund this year, around $10K, which was paid a week or two ago. Anybody have a guess as to what this is about? Thanks. My 1st guess wo...
by student
Sun Apr 16, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23335

Re: Low-earners- What is your profession?

Another useful site is http://statisticalatlas.com/United-States/Overview Thanks for posting that link. Quite a treasure trove of stats. Once you click down to a city, and select household income, I especially like the "Map of Household Income by Tract" (referring to census tract) where y...
by student
Thu Apr 13, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about opening an account with Merrill Edge
Replies: 20
Views: 2001

Re: Thinking about opening an account with Merrill Edge

Thank you again for the input. I want to give an update. I did go ahead and opened a regular account and a Roth account online. I was surprised that the opening of the account was not instantaneous and it took two days for the account to be approved. I also have trouble linking it to my American Exp...
by student
Mon Apr 10, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23335

Re: Low-earners- What is your profession?

At the age of 40 I was hired as an associate prof. without tenure by one of the best engineering schools. I quickly learned the mantra "dollarship, scholarship, and teaching--in that order." I returned sadder but wiser to my previous non-academic job. At the age of 45 I was offered a full...
by student
Mon Apr 10, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23335

Re: Low-earners- What is your profession?

ruralavalon wrote: In the zipcode where we lived most of my working life the median household income is $36k. It's interesting to look up. http://www.incomebyzipcode.com .


Another useful site is http://statisticalatlas.com/United-States/Overview
by student
Mon Apr 10, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: MasterCard or Visa... Or One of Each?
Replies: 22
Views: 1851

Re: MasterCard or Visa... Or One of Each?

I'd be interested in hearing of any other examples (other than Costco) where only one of Visa or Mastercard is accepted. I have encountered one place long time ago but I do not remember the name. The only other example that I am aware of is that they only accept Visa at Olympic games. Many years ag...
by student
Sun Apr 09, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: MasterCard or Visa... Or One of Each?
Replies: 22
Views: 1851

Re: MasterCard or Visa... Or One of Each?

I would advise against having just one card. It is good to have at least two so that you have a backup.
by student
Fri Apr 07, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: cannot login to any of my financial websites
Replies: 13
Views: 947

Re: cannot login to any of my financial websites

Look like it thinks your browser does not have java script. I suggest using another browser.
by student
Fri Apr 07, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Should I drop Chase Sapphire Preferred (have Reserve and Freedom)
Replies: 15
Views: 721

Re: Should I drop Chase Sapphire Preferred (have Reserve and Freedom)

If you do want another card such as Marriott, please note that you cannot do a product change from a pure Chase card to a cobrand card. So you have to cancel your CSP and apply for Marriott. Edit: Sorry. I misread your post. You already have the Marriott. In any case, my comment applies to other cob...
by student
Fri Apr 07, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: 403(B) Retirement Investments Do I need 2?
Replies: 5
Views: 291

Re: 403(B) Retirement Investments Do I need 2?

With my TIAA plan, employer contributions go into a separate account, and I cannot touch that money until I leave/retire *and* reach age 55. Also cannot take loans or emergency withdrawals from that account. *My* contributions go into an account that doesn't have those restrictions. I can do rollov...
by student
Thu Apr 06, 2017 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Another 457 question
Replies: 11
Views: 676

Re: Another 457 question

As far as I understand, the only real disadvantage of non-governmental plan is the money "belong" to your employer until you retire. I assume you are working for Duke University. In this case, I think the risk is minimal.
by student
Tue Apr 04, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Help with college choice
Replies: 125
Views: 5264

Re: Help with college choice

I just looked at the latest college rankings. Vandy is 15th which is tied with Cornell, Rice, and Notre Dame. Do well there and graduate with no debt sounds pretty good. Is it too late to try to negotiate some more financial aid? For CS I would think GT would be higher on the list. I assume you are...
by student
Tue Apr 04, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Help with college choice
Replies: 125
Views: 5264

Re: Help with college chioces

I replied earlier. After reading your earlier thread from a few years ago, I would advocate my earlier response: Your son goes to Vanderbilt to take advantage of the full ride; then go to a "better" school for graduate work. After 20 years of teaching, my belief is that the most cost effec...
by student
Tue Apr 04, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Help with college choice
Replies: 125
Views: 5264

Re: Help with college chioces

Hello Bogleheads, I am avid reader of this forum and value the advice given by the forum members. I wanted to get your opinion on college choices for our kid ( 1st one of 2) We are classic middle class 2 income family, but not much assets and classified as full pay at colleges. He attended a compet...
by student
Tue Apr 04, 2017 6:21 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23335

Re: Low-earners- What is your profession?

What this means is that for every employee of my employer if their salary is $X, then the employer must turn over $X*0.2 to the pension fund. It is not subtracted from the employee's $X salary, but it is rather like a 20% "tax" on all salary that the employer must turn over to the pension...
by student
Mon Apr 03, 2017 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23335

Re: Low-earners- What is your profession?

There are many good points made here about total compensation and pension in the public sector. I think more and mote local governments will switch from a pension system to a 401k style system for new hires. This is happening in my state. So I guess one better save for retirement. There really is a...
by student
Mon Apr 03, 2017 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23335

Re: Low-earners- What is your profession?

There are many good points made here about total compensation and pension in the public sector. I think more and mote local governments will switch from a pension system to a 401k style system for new hires. This is happening in my state. So I guess one better save for retirement. There really is a...
by student
Mon Apr 03, 2017 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23335

Re: Low-earners- What is your profession?

There are many good points made here about total compensation and pension in the public sector. I think more and mote local governments will switch from a pension system to a 401k style system for new hires. This is happening in my state. So I guess one better save for retirement.
by student
Mon Apr 03, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23335

Re: Low-earners- What is your profession?

Last year DH grossed just under $38k, and I was just under $18k, for a total of $56k, our highest ever earnings. If you include the cost of employer provided HI and 401k match for DH, our total compensation is closer to $70k. Yet our AGI is exactly $30k. I work in a library (not technically a libra...
by student
Mon Apr 03, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23335

Re: Low-earners- What is your profession?

Interesting. I looked up salaries for some of my b-school professors at a (public) Big 10 school, and they were well into six figures; I would say the mean would be around 160-170k/year, not including the side business(es) that most of them seemed to have. Several had salaries closer to 250k/year. ...
by student
Mon Apr 03, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 403B and 529 Account #s??
Replies: 8
Views: 372

Re: Fidelity 403B and 529 Account #s??

Since it is just opened, I assume you don't have a statement yet. After you log on, click on netbenefits on the upper right hand corner. It will then take you to a page with your workplace accounts with full account numbers. I was incorrect in the above statement. I checked again this morning and t...
by student
Mon Apr 03, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23335

Re: Low-earners- What is your profession?

Last year DH grossed just under $38k, and I was just under $18k, for a total of $56k, our highest ever earnings. If you include the cost of employer provided HI and 401k match for DH, our total compensation is closer to $70k. Yet our AGI is exactly $30k. I work in a library (not technically a libra...
by student
Mon Apr 03, 2017 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23335

Re: Low-earners- What is your profession?

Grad student research scientist -- $36,000. I do computational math. I probably make substantially less than i will in several years. I doubt I will ever be a truly high earner. If you are getting $36,000 as a graduate student, I am assuming that you are at a top school. You are in computational ma...
by student
Sun Apr 02, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23335

Re: Low-earners- What is your profession?

Anyway, if you want a profession where being top 0.01% barely gets your foot in the door, but you won't even be in the top 25% of earners in the general public, then try Academia. Yes. This is definitely true. I have posted this link before but I think it is worthwhile to post it again. http://data...
by student
Sun Apr 02, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage for less than the value of the home
Replies: 17
Views: 2249

Re: Mortgage for less than the value of the home

I can confirm what others have said about minimum. I was doing a refinance on my inexpensive condo over 15 years ago and I was told that the minimum was $100,000.
by student
Sun Apr 02, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Manufactured Spending - is it illegal, or otherwise "bad?"
Replies: 71
Views: 5476

Re: Manufactured Spending - is it illegal, or otherwise "bad?"

What I did last time that I had to spend enough to meet the requirement, I prepaid a few months of cell phone bill, internet bill, gas bill, etc.
by student
Sun Apr 02, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 403B and 529 Account #s??
Replies: 8
Views: 372

Re: Fidelity 403B and 529 Account #s??

Since it is just opened, I assume you don't have a statement yet. After you log on, click on netbenefits on the upper right hand corner. It will then take you to a page with your workplace accounts with full account numbers.
by student
Fri Mar 31, 2017 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about opening an account with Merrill Edge
Replies: 20
Views: 2001

Re: Thinking about opening an account with Merrill Edge

I Merrill Edge might cover the transfer free from Scottrade. When you open the account at ME, you usually get a "reach out" from a rep. Contact that person and ask about the fee. I appreciate the advice. I went to a local Bank of America branch and I talked to a ME person. I informed him ...
by student
Fri Mar 31, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?
Replies: 75
Views: 3876

Re: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?

You have probably seen question like this before: I am investing $100,000. Should I do a lump sum investment or DCA? There are arguments to be made to support either position. From what you wrote, I would conclude that this FA prefers the latter.
by student
Fri Mar 31, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Question re 403b with TIAA-CREF
Replies: 21
Views: 824

Re: Question re 403b with TIAA-CREF

TIAA Traditional is unique and I suggest everyone to understand it first before investing. Here is a good place to look. https://www.tiaa.org/public/pdf/TT_FAQ.pdf Basically there are two types: Liquid and Illiquid. The Illiquid one offers higher rate but as the name suggests, you cannot cash out at...
by student
Tue Mar 28, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: New Employer Retirement Plan
Replies: 5
Views: 598

Re: New Employer Retirement Plan

You have pretty good choices. I assume that you will get responses suggesting you try the 3-fund portfolio. https://www.bogleheads.org/wiki/Three-fund_portfolio For you, here are the approximations. "Total" US Market: BlackRock Russell 3000 Index 0.28% "Total" Bond: Fidelity Tota...
by student
Mon Mar 27, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: Gift Card Security
Replies: 6
Views: 481

Re: Gift Card Security

I think there is risk involved except for amazon as you can load to you account right away.
by student
Mon Mar 27, 2017 7:19 am
Forum: Personal Consumer Issues
Topic: Need advice about massive changes in daughter's college program by dean
Replies: 52
Views: 4050

Re: Need advice about massive changes in daughter's college program by dean

Are you sure that the changes affect you? In general, when a university changes a program, it does not affect students who are already in the program. For example, students can elect to follow program requirement established or the new program requirement. Of course, it may still "force" t...
by student
Sun Mar 26, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Thinking about opening an account with Merrill Edge
Replies: 20
Views: 2001

Re: Thinking about opening an account with Merrill Edge

I updated in the original post: (1) Scottrade has closing fee. I do not know whether my credit union or TIAA charges a closing fee. However, the sign up bonus should be able to cover the fees. (2) My asset allocation should remain roughly the same. I will use the money from the credit union to eithe...
by student
Sat Mar 25, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about opening an account with Merrill Edge
Replies: 20
Views: 2001

Re: Thinking about opening an account with Merrill Edge

stlutz wrote:Suppose Merrill Edge didn't exist. What were you planning to do with the credit union CD money and the TIAA account?


If Merrill Edge didn't exist, I will probably just leave them open.
by student
Sat Mar 25, 2017 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about opening an account with Merrill Edge
Replies: 20
Views: 2001

Thinking about opening an account with Merrill Edge

I am wondering whether I should open an account at Merrill Edge to take advantage of the Preferred Rewards program. On the one hand, it is such a good deal that it is hard to pass up. On the other hand, it will involve transfers from other brokerages. To reach the $50,000 level bonus, I will have to...
by student
Sat Mar 25, 2017 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Schwab's Intelligent Advisory (now live)
Replies: 16
Views: 1598

Re: Schwab's Intelligent Advisory (now live)

I think this may be useful. It is priced competitively as Vanguard charged 0.3% for similar service.
by student
Wed Mar 22, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 5403

Re: Vehicles as a percentage of net worth

penumbra wrote:Two relatively new cars. Roughly 0.01% of net worth. Can't imagine spending more. We both love our cars, a Prius and a Honda. Go figure.

They are 0.01% of net worth. If your cars are worth $30,000, then you are worth 300 millions.
by student
Tue Mar 21, 2017 10:05 pm
Forum: Investing - Theory, News & General
Topic: Sitting down with Fidelity advisor next week
Replies: 22
Views: 2807

Re: Sitting down with Fidelity advisor next week

I think the answer to your questions can mostly be answered (implicitly or explicitly) from Fidelity Retirement Analysis that is available online. I think the advisor will probably just run the program on his computer and show you the result. Have you tried it? This is exactly what happened with th...
by student
Tue Mar 21, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Legal Issue: What kind of lawyer (or do I not need one yet)?
Replies: 46
Views: 4322

Re: Legal Issue: What kind of lawyer (or do I not need one yet)?

Is this the same lawsuit/arbitration on the house that you talked about in another thread? If the answer is no, then you may want to contact those who helped you in that lawsuit/arbitration, if you are happy with them.
by student
Tue Mar 21, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2612

Re: Anybody using the TERMINAL over the GUI in ubuntu?

I know a number of people who use terminal exclusively. Indeed, the preferred method for input for them is keyboard with shortcuts rather than the mouse.
by student
Tue Mar 21, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: Sitting down with Fidelity advisor next week
Replies: 22
Views: 2807

Re: Sitting down with Fidelity advisor next week

I think the answer to your questions can mostly be answered (implicitly or explicitly) from Fidelity Retirement Analysis that is available online. I think the advisor will probably just run the program on his computer and show you the result. Have you tried it?
by student
Tue Mar 21, 2017 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Using the Fidelity Rewards Visa in Europe?
Replies: 20
Views: 1762

Re: Using the Fidelity Rewards Visa in Europe?

Capital One has a 1.5% cashback card with no foreign transaction fee.
by student
Tue Mar 21, 2017 6:18 am
Forum: Investing - Theory, News & General
Topic: Is there something wrong at TIAA today?
Replies: 5
Views: 591

Re: Is there something wrong at TIAA today?

Apart from this issue, I really want to transfer an old 401a I have with TIAA to another company. The ERs (over 40 basis points for most funds) and choices in my plan are not great. But my prior employer specified that no transfers are allowed until I'm 55 (they didn't disclose this when I worked f...

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