Search found 1529 matches

by student
Mon Jan 22, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage Account Change to Fidelity - Pros and Cons
Replies: 20
Views: 969

Re: Brokerage Account Change to Fidelity - Pros and Cons

For a 3-fund portfolio, the Fidelity index fund offerings are great (especially in a tax-advantaged account). Tracking is as good (or sometimes better) than Vanguard, and the fees are as low (or sometimes lower) than Vanguard. I would consider those over Vanguard ETF's in a tax-advantaged account. ...
by student
Mon Jan 22, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Investment Checkup
Replies: 20
Views: 1053

Re: Investment Checkup

3. I know we should move the Target Date funds to something more conservative than 2050, since we hope to partially retire in 8 years. Agreed? I'm expecting everyone to tell me to move hers to 2025 and mine to 2035. I'm okay leaving them a little aggressive. We will work as long as necessary. I don...
by student
Mon Jan 22, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Xfinity broadband: should I try to negotiate a better deal?
Replies: 31
Views: 1544

Re: Xfinity broadband: should I try to negotiate a better deal?

AntsOnTheMarch wrote:
Mon Jan 22, 2018 9:26 am
I just called them and they lowered it no questions asked. Took all of 5 minutes. Between this and changing our cell phones over Xfinity mobile (which I will do very soon), I figure to save ~$100/mo. This week’s gotten off to a good start! :D
Good for you. I guess you are more persuasive than me.
by student
Sun Jan 21, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy a business or suck it up at a job(s) with a pension.
Replies: 80
Views: 5142

Re: Should I buy a business or suck it up at a job(s) with a pension.

You are two years from retirement with pension. I would say wait. In fact, I would wait until 55. Yes, it is a set of golden handcuffs but they are very difficult to come by these days.
by student
Sun Jan 21, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Xfinity broadband: should I try to negotiate a better deal?
Replies: 31
Views: 1544

Re: Xfinity broadband: should I try to negotiate a better deal?

In the past, I was able to negotiate for a better deal. A few weeks ago, Comcast raised the price a lot. After a couple of calls with no results, I gave up.
by student
Sun Jan 21, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: return expensive 3 year old's eye glasses?
Replies: 22
Views: 1589

Re: return expensive 3 year old's eye glasses?

The weirdness of the situation, in which one company, Luxottica, has somehow been allowed to become a near-monopoly* and the price of eyeglasses through "normal" retail channels has been jacked up over the years by a factor of maybe as much as 5X, really sucks. Yes. This is true. They own Lenscraft...
by student
Sat Jan 20, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 77
Views: 3839

Re: Post Your Morningstar Box Style

Stock:

24 23 23
07 07 07
03 03 03
by student
Fri Jan 19, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Someone Needs To Pay For What They Did (Advice sought)
Replies: 34
Views: 5262

Re: Someone Needs To Pay For What They Did (Advice sought)

I wouldn't approach the landlord to pay for it but instead would advise her, with backup, that it was done by her vendor while you were not at home. I'd let her know that I expect the maintenance company to pay the bill and ask if she wanted me to contact them or will she contact them on her own. I...
by student
Fri Jan 19, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Lost Job. Retirement/Portfolio Advice
Replies: 46
Views: 4288

Re: Lost Job. Retirement/Portfolio Advice

It is interesting that you have a colleague that accumulated 10 millions dollars. This is shocking in higher ed, maybe he/she is a sport coach. In any case, for your question regarding TIAA-CREF funds. My opinion is that even R2 is not worth it unless you plan to annuitize it. I like TIAA Traditiona...
by student
Fri Jan 19, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Mint vs Personal Capital
Replies: 18
Views: 1375

Re: Mint vs Personal Capital

jayk238 wrote:
Fri Jan 19, 2018 7:44 am
How good is security for either?
They use industry standard but I still do not trust them. I entered mine manually.
by student
Thu Jan 18, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Mint vs Personal Capital
Replies: 18
Views: 1375

Re: Mint vs Personal Capital

I use Personal Capital. I think Mint is better for budgeting and tracking expenses, whereas Personal Capital is better for tracking investment.
by student
Thu Jan 18, 2018 10:04 am
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 7215

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

WCI: If you are reading this, please do not let the negative comments bother you. I enjoy reading your posts and I understand that the course is not aimed at bogleheads in general.
by student
Thu Jan 18, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: To the doctors on the forum
Replies: 88
Views: 5124

Re: To the doctors on the forum

As others have pointed out, I as the doctor have no idea how much your MRI will cost. That's between your insurance company and the imaging facility. The doctor is not involved in or paid for imaging, lab tests, medication, etc. Those rates are negotiated on your behalf by your insurance agent with...
by student
Thu Jan 18, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 3489

Re: How do you adjust side mirrors in a car?

I remember in driving schools many years ago, I was told to do something like what is described in this. https://www.youtube.com/watch?v=kkQX2gkwJoE
by student
Thu Jan 18, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 9778

Re: Besides Bogleheads, What Are Your Favorite Forums?

I used to read creditboards but I stopped because I saw too many threads that I viewed as people discussing ways to cheat the system unethically or even illegally. I don't know whether this still happens. In any case, if one has a legit credit related problem, it is a great site to get help.
by student
Wed Jan 17, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 96
Views: 10962

Re: Xfinity Mobile

Hello all. I am interested in starting a plan with Xfinity mobile. Does anyone know if Xfinity does a hard credit pull for starting a new plan with them? Do they run a hard credit pull if you finance a phone through them over 24 months? There is no hard pull if you only open a new account. I do not...
by student
Tue Jan 16, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Considering PhD...but so much to consider...
Replies: 51
Views: 3443

Re: Considering PhD...but so much to consider...

As others have pointed out, it is not clear whether you want to be in academia. If you do, here are the faculty salaries by field.

https://www.insidehighered.com/news/201 ... discipline
by student
Mon Jan 15, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 47
Views: 4164

Re: A "Home" cell phone?

Another vote for google voice. Another possibility is Xfinity Mobile if you have cable with them. viewtopic.php?t=220754
by student
Mon Jan 15, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 43
Views: 2414

Re: Recommend an A.C. powered auto tire inflator

I have this. https://www.target.com/p/black-decker-153-black-38-decker-air-station-inflator/-/A-10541453?ref=tgt_adv_XS000000&AFID=google_pla_df&CPNG=PLA_Home+Improvement+Shopping&adgroup=SC_Home+Improvement_Top%20Performers&LID=700000001170770pgs&network=g&device=c&location=9052832&gclid=Cj0KCQiAv_...
by student
Mon Jan 15, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: Do people in the forum hold foreign bonds?
Replies: 42
Views: 2602

Re: Do people in the forum hold foreign bonds?

I do not invest in foreign bonds but looking at Personal Capital asset allocation, I have about 0.4% in it.
by student
Sun Jan 14, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 39
Views: 4557

Re: Merrill Edge best choice for higher net worth accounts?

another vote for fidelity or vanguard. They pay more for funds waiting to be invested. Bank america reward money market pays .07% interest for platinum. think 0.14% for merill sweep?? Vanguard and Fidelity pay alot more, around 1%. You can link an external account such as Ally to it. If you want to...
by student
Sun Jan 14, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 6415

Re: Looking for a reasonably priced, safe international destination

I agree with others that Quebec is nice to visit. I would think that with the economic situation, places like Greece may be relatively inexpensive to visit.
by student
Sun Jan 14, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Legal services via employment
Replies: 13
Views: 933

Re: Legal services via employment

I have used it in the past for a will and a living trust. I am satisfied. No extra cost for standard service.
by student
Sun Jan 14, 2018 9:18 am
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 4723

Re: Nostalgic about old online brokerages that no longer exist

samsoes wrote:
Sun Jan 14, 2018 9:12 am
I know the "TD" in TD Bank's name stands for Toronto Dominion. Does anyone know if it means the same in Ameritrade and Waterhouse?
I think Toronto Dominion is origin but it is now just TD. So yes and no. Yes, its origin is Toronto Dominion but no, it is just TD. It is similar to KFC and HSBC.
by student
Sun Jan 14, 2018 8:44 am
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 4723

Re: Nostalgic about old online brokerages that no longer exist

Oldest is Waterhouse, which became TD Waterhouse, which is now TD Ameritrade.

Edit: Corrected a typo.
by student
Sun Jan 14, 2018 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 33
Views: 2197

Re: Vanguard Personal Advisory Services Fees

I agree with others who said to use a singe life strategy fund.
by student
Sun Jan 14, 2018 8:36 am
Forum: Investing - Theory, News & General
Topic: What should I own on the bond side ???
Replies: 11
Views: 1621

Re: What should I own on the bond side ???

I like using stable value fund as my fixed income. You listed one in 520. Do you have similar one available for your retirement funds?
by student
Fri Jan 12, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Resource on good financial practices for a graduate student?
Replies: 17
Views: 550

Re: Resource on good financial practices for a graduate student?

Given that you said you live modestly, I don't think there is anything particular that you need to do now. Reading and posting on this forum is good. Is your student loan from your undergraduate? What is the job opportunity in your field? My suggestion will be to live like a graduate student after g...
by student
Fri Jan 12, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Travel insurance-2ndary versus primary
Replies: 13
Views: 477

Re: Travel insurance-2ndary versus primary

I think GeoBlue offers primary insurance as there is an option that does not require you to have a primary health plan.
by student
Thu Jan 11, 2018 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: Do I have a government 457B?
Replies: 21
Views: 1006

Re: Do I have a government 457B?

If it has the ability to designate a portion or all of the salary reduction as a Roth 457b option, it is governmental. If it allows loans for the participant, it is governmental. If it allows rollovers to other eligible retirement plans (401(k), 403(b), governmental 457(b), IRAs) - it is government...
by student
Thu Jan 11, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Do I have a government 457B?
Replies: 21
Views: 1006

Re: Do I have a government 457B?

BL wrote:
Thu Jan 11, 2018 2:12 pm
One quick check may be to see if it can be rolled over to an IRA when you leave the company. AFAIK, only government plans can do that.
+1. I was going to suggest that as this is my understanding as well.
by student
Mon Jan 08, 2018 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA real estate (QREARX) versus Vanguard REIT index (
Replies: 7
Views: 923

Re: TIAA real estate (QREARX) versus Vanguard REIT index (

In general, I am not a big fan of TIAA real estate. To me, it is similar to investing in one real estate company.
by student
Mon Jan 08, 2018 9:39 am
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8577

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

I also found them interesting. Given the fact that there were many replies in the "2 comma club" thread, I think this indicates that there are enough interests. I agree with IMHO, those threads are confirmations that the BH methods work, regardless of income levels. Encouragements to stay the course...
by student
Sun Jan 07, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Debating which credit card to get for airline travel
Replies: 22
Views: 1247

Re: Debating which credit card to get for airline travel

I suggest that you visit this as well. www.thepointsguy.com Just do not click on any of the offers on that site without double checking that it's the highest available. It is notorious for not offering the best available offers and only hyping ones that provide the best kickback. A better resource ...
by student
Sun Jan 07, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 3673

Re: Best Phone Plan for 1 person

Do you have comcast internet? If so, take a look at https://www.bogleheads.org/forum/viewtopic.php?t=220754 My parents have a Comcast account and my roommate is the one that pays our current Comcast internet bill? Would either of those work? Yes. This will work if they are willing to do it. They ar...
by student
Sun Jan 07, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 3673

Re: Best Phone Plan for 1 person

Do you have comcast internet? If so, take a look at viewtopic.php?t=220754
by student
Sun Jan 07, 2018 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old - Need help with picking 401k funds
Replies: 15
Views: 964

Re: 25 Year Old - Need help with picking 401k funds

Your Target Index Fund has a ER of 0.17%. This is low. Vanguard's version is 0.16%. Since you said you found allocation difficult to understand and you are just started, I suggest stick with this low cost target index fund. Once you know more, you can always change it with no tax consequences. Did ...
by student
Sun Jan 07, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Amex Plat "contactless card" ? Also "Chip & PIN"?
Replies: 22
Views: 1341

Re: Amex Plat "contactless card" ? Also "Chip & PIN"?

Contactless credit card may refer to this https://en.wikipedia.org/wiki/Contactless_payment See the symbol on the page. It was popular with Chase some years ago and then I abandoned it. I personally do not like it. When Chase had it, it used RFID which means you should get a protective sleeve. https...
by student
Sun Jan 07, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Life at a crossroad: seeking advice
Replies: 54
Views: 6723

Re: Life at a crossroad: seeking advice

Do you know how easy is it to find such a R&D job?

Edit: Corrected a typo.
by student
Sun Jan 07, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 786
Views: 132830

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Opened two accounts at Merrill Edge from the December offer. In one of the Merrill Edge accounts the commission automatically set itself to $0. In another (different person) with the same code applied commission remained at $6.95. In neither one has money been transferred in yet nor any trades made...
by student
Sat Jan 06, 2018 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old - Need help with picking 401k funds
Replies: 15
Views: 964

Re: 25 Year Old - Need help with picking 401k funds

Your Target Index Fund has a ER of 0.17%. This is low. Vanguard's version is 0.16%. Since you said you found allocation difficult to understand and you are just started, I suggest stick with this low cost target index fund. Once you know more, you can always change it with no tax consequences.
by student
Sat Jan 06, 2018 6:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: DD just got married !
Replies: 39
Views: 4027

Re: DD just got married !

Congratulations.
by student
Sat Jan 06, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA traditional is compounded daily, but not at the displayed crediting rate
Replies: 25
Views: 958

Re: TIAA traditional is compounded daily, but not at the displayed crediting rate

I always assume that the quoted rate is APY. As an example say 3% per year. So by investing $100 for a year, you get 3%. Here is a link to note the difference between the terms. http://www.moneychimp.com/articles/finworks/continuous_compounding.htm 3% APR compounded daily gives 3.0453% yield. If it ...
by student
Sat Jan 06, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: TIAA- Index funds
Replies: 5
Views: 524

Re: TIAA- Index funds

You can also google it by "TIAA XXX plan number" which shows a link to info about my plan. Here XXX is your employer.
by student
Sat Jan 06, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: [How to determine budget for toys/luxuries?]
Replies: 41
Views: 2700

Re: [How to determine budget for toys/luxuries?]

I allow myself to by small luxuries (under $100), it is in the budget. For something more expensive like a car, I cannot afford a luxury version.
by student
Sat Jan 06, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 786
Views: 132830

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

From previous threads, I understand ME does accept transferred Vanguard Admiral Funds (but does not allow purchases and charges a fee for sales). Is that correct ? I have some Vanguard Admiral Funds that have no ETF equivalent, and I want to transfer these to ME. [I did ask them via their web site,...