Search found 1041 matches

by student
Sat Sep 23, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: What phone carrier?
Replies: 7
Views: 318

Re: What phone carrier?

If you or your wife is 55+, you can get unlimited t-mobile for $60 for 2 lines. The other suggestions by posters above are also good.
by student
Sat Sep 23, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Expense changes
Replies: 16
Views: 989

Re: TIAA Expense changes

Thanks for the update.
by student
Fri Sep 22, 2017 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for mid 50 age group
Replies: 32
Views: 1626

Re: Asset Allocation for mid 50 age group

I am 51, currently 62% Stock, 32% Bond and 6% Cash including EF.
by student
Fri Sep 22, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 16
Views: 962

Re: IOS 11: Anybody using it yet?

I did. There were some battery issues. Maybe it was doing indexing. I did hard resets and it seems fine now.
by student
Fri Sep 22, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 79
Views: 3986

Re: Uplifted Driveway = No Home Owners Policy ?!

I believe if they collude, they will be violating anti-trust laws. Yes, but "collusion" and "violating anti-trust laws" are not at all the same as "all companies take the same prudent business precautions". (Otherwise, this can get a bit silly, like suggesting "collusion" among life insurance compa...
by student
Fri Sep 22, 2017 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to TSP + Pension - How to adapt AA to changes?
Replies: 11
Views: 789

Re: Moving to TSP + Pension - How to adapt AA to changes?

Congratulations on your new job. Did you get the pay raise that your requested? You mentioned in your earlier post that they gave you an offer but you asked them to up it. Thanks & They worked with me a little bit, compromised. It’s a much better long term position even if they hadn’t done anything...
by student
Fri Sep 22, 2017 7:31 am
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 79
Views: 3986

Re: Uplifted Driveway = No Home Owners Policy ?!

I'm sure this has been discussed since the 1800's, but can't an industry have a monopoly on the service it provides? if that service is required (it is if you have a mortgage) and they collude to control the service offerings/price? I know I used the term loosely. I know folks are saying there are ...
by student
Fri Sep 22, 2017 6:48 am
Forum: Investing - Help with Personal Investments
Topic: Moving to TSP + Pension - How to adapt AA to changes?
Replies: 11
Views: 789

Re: Moving to TSP + Pension - How to adapt AA to changes?

Congratulations on your new job. Did you get the pay raise that your requested? You mentioned in your earlier post that they gave you an offer but you asked them to up it.
by student
Thu Sep 21, 2017 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Stable value fund
Replies: 27
Views: 1788

Re: Stable value fund

In general, I like stable value funds as long as the contract guaranteeing the return is from a highly rated company. That is a good point, like any insured product. I believe I read that stable value funds have multiple companies underneath in case one has problems. That is part of keeping it stab...
by student
Thu Sep 21, 2017 6:17 am
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 67
Views: 6654

Re: Xfinity Mobile

protagonist wrote:
Wed Sep 20, 2017 11:32 pm


hm.
AT+T operates on GSM 1900 so shouldn't it work?
Some European carriers use GSM 900 but only for 3G.
Ah. I was thinking about 4G LTE part. I guess if you don't need data, it will work. Good point. For AT&T, its 4G LTE are bands 2,4,5,17. So it will not work in 17 and it is the main one.
by student
Wed Sep 20, 2017 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Stable value fund
Replies: 27
Views: 1788

Re: Stable value fund

In general, I like stable value funds as long as the contract guaranteeing the return is from a highly rated company.
by student
Wed Sep 20, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 67
Views: 6654

Re: Xfinity Mobile

I signed up. Lots of technical glitches, huge amounts of wasted phone time. But I received... 1 Samsung S7 Edge for about $350 1 iPhone 6s for about the same price 1 LG X Charge for $1 And I am getting service at $12/mo., up to 1 gb (I usually don't use more). I intend to unlock all 3 phones. I tri...
by student
Wed Sep 20, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Russell 3000 Index Fund [offered at Vanguard?]
Replies: 8
Views: 554

Re: Russell 3000 Index Fund [offered at Vanguard?]

I think very few companies offer Russell 3000 Index fund retail. TIAA offers one at 0.34 ER. Personally, I think the long term performance of Russell 3000 and TM will be sufficiently close.
by student
Mon Sep 18, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 67
Views: 6654

Re: Xfinity Mobile

I signed up. Lots of technical glitches, huge amounts of wasted phone time. But I received... 1 Samsung S7 Edge for about $350 1 iPhone 6s for about the same price 1 LG X Charge for $1 And I am getting service at $12/mo., up to 1 gb (I usually don't use more). I intend to unlock all 3 phones. I tri...
by student
Mon Sep 18, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA (GSRA) Traditional
Replies: 9
Views: 911

Re: TIAA (GSRA) Traditional

Thank you both for the replies and the links. Very helpful. Still not completely up to date on TIAA, but things are more clear. I find the TIAA Trad to be something I should go ahead with in addition to TBM in my other retirement accounts. 3% guaranteed is nice. From what I read the 3% guaranteed i...
by student
Mon Sep 18, 2017 9:22 am
Forum: Investing - Help with Personal Investments
Topic: TIAA (GSRA) Traditional
Replies: 9
Views: 911

Re: TIAA (GSRA) Traditional

3. Is it possible to roll this account into an account from a future employer? This is a 403B, if I took another job with a 401K could I choose to roll this one into it? I'm not saying this is a good idea, only asking. I don't think one can transfer money into it from a future employer but you can ...
by student
Mon Sep 18, 2017 7:42 am
Forum: Investing - Help with Personal Investments
Topic: TIAA (GSRA) Traditional
Replies: 9
Views: 911

Re: TIAA (GSRA) Traditional

I have a simple Boglehead portfolio. I realized I have access to TIAA (gsra) traditional through a 403B. I have read the forum regarding this topic and still have some questions. 1. It was mentioned that other types of TIAA traditional accounts are less liquid, such as the RA instead of the GSRA. M...
by student
Sun Sep 17, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Would like to buy my mom's second residence. advice needed
Replies: 14
Views: 977

Re: Would like to buy my mom's second residence. advice needed

My mom claims it on her taxes since the mortgage is in her name. I don't believe I'd be able to technically claim that deduction. Reason I was asking is I wanted to know what you hoped to accomplish by spending all this money on getting a new loan and so forth. I don't see the benefit of this. The ...
by student
Sat Sep 16, 2017 6:31 am
Forum: Investing - Help with Personal Investments
Topic: How to allocate between 401k with expensive fees + Vangaurd
Replies: 32
Views: 1606

Re: How to allocate between 401k with expensive fees + Vangaurd

cpan00b wrote:
Sat Sep 16, 2017 4:43 am
I sold BND and removed from my taxable account. What's wrong with having VWITX (Intermediate term tax exempt bond fund) in my taxable instead of in my roth?
The gives the rationale. https://www.bogleheads.org/wiki/Tax-eff ... _placement
by student
Fri Sep 15, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: TransUnion - Credit Lock vs. Freeze
Replies: 9
Views: 746

Re: TransUnion - Credit Lock vs. Freeze

It seems to me that a lock is almost the same as a freeze. Lock is done online with a pin to unlock where as a freeze requires pin. Equifax has something similar. "What is the difference between an Equifax Credit Report Control™ lock and the security freezes available under most state laws? The Equi...
by student
Fri Sep 15, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 67
Views: 6654

Re: Xfinity Mobile

Update: I received two phones. I guess that they finally processed the first order that I was told was lost. Since it is only $1, I will just keep it as a backup.
by student
Fri Sep 15, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Average American Net Worth is $534,600?
Replies: 15
Views: 2320

Re: Average American Net Worth is $534,600?

I think this is correct. It is consistent with the data from

https://en.wikipedia.org/wiki/Wealth_in ... ted_States
by student
Fri Sep 15, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: Free credit monitoring for AAA members
Replies: 15
Views: 1557

Re: Free credit monitoring for AAA members

I use the service. I do not think it provide free credit report. I think you only get it once. You can sign up for free service directly from Experian. For example, https://www.freecreditscore.com/ (I did not sign up from this website. One used to be able to sign up directly with Experian rather tha...
by student
Wed Sep 13, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Milestone Reached - "Quarter Millionaire!"
Replies: 41
Views: 4587

Re: Milestone Reached - "Quarter Millionaire!"

Congratulations. This is substantially more than what I had at 34.
by student
Wed Sep 13, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Small Pension Buy out..
Replies: 8
Views: 827

Re: Small Pension Buy out..

I think you are right. For $14,000, it is more convenient to consolidate.
by student
Tue Sep 12, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 306
Views: 15823

Re: Iphone X is $1000

$1 phone from Comcast is a much better deal.
by student
Tue Sep 12, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 43
Views: 3786

Re: Fidelity Security

I haven't signed up for the voice security as I am not sure whether it is more or less secure than password. It would be more secure if it requires both but I think it is using voice to replace password. I definitely think it is more secure than a password. The reason I say that is two fold. The fi...
by student
Mon Sep 11, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: TrueIdentity from TransUnion - free credit freeze and protection?
Replies: 23
Views: 3461

Re: TrueIdentity from TransUnion - free credit freeze and protection?

The "free" version of TrueIdentity only allows control/monitoring of your TransUnion report. You can add Equifax & Experian at a cost. I posted a bit about TrueIdentity here... https://www.bogleheads.org/forum/viewtopic.php?f=11&t=227416&newpost=3527897&view=unread#p3527858 Thanks. The paid service...
by student
Mon Sep 11, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: TrueIdentity from TransUnion - free credit freeze and protection?
Replies: 23
Views: 3461

Re: TrueIdentity from TransUnion - free credit freeze and protection?

If you do sign up, can you tell us whether it allows you to freeze Equifax report as well. Currently I have a paid service with Transunion that allows me to freeze both Transunion and Equifax report.
by student
Sun Sep 10, 2017 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Help with TIAA-CREF
Replies: 15
Views: 1625

Re: Help with TIAA-CREF

Thank you to all who replied. The HR person had no clue about any of my questions. I think I'll wait for his account to be activated and then see what options are available. The website is terribly unclear. Go here https://www.tiaa.org/public/investment-performance?defaultview=mfretailonly and ente...
by student
Sun Sep 10, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Instead of a credit freeze, I want to receive a phone call before credit is opened in my name.
Replies: 26
Views: 2628

Re: Instead of a credit freeze, I want to receive a phone call before credit is opened in my name.

I was at the TransUnion site this morning and they offered a 90 day fraud alert which should result in a phone call any time an attempt is made to open an new account. They claimed they would also notify the other two services so they would do the same. I have been using this service for a while no...
by student
Sun Sep 10, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Fidelity 401k - Fidelity Funds - Investor Class to Premium Class
Replies: 3
Views: 374

Re: Fidelity 401k - Fidelity Funds - Investor Class to Premium Class

The conversion will be done automatically. They check once a month but you can ask for a conversion manually if you want.
by student
Sun Sep 10, 2017 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone use Financial Engines?
Replies: 50
Views: 44342

Re: Anyone use Financial Engines?

I find the VG version useless because it's limited to 20(?) accounts - whatever the number is it's less than what I have, so it can't consider all my assets. This seems like a very low limit on accounts. I no longer use it on a regular basis because I find the tools at Fidelity and Personal Capital...
by student
Sun Sep 10, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Instead of a credit freeze, I want to receive a phone call before credit is opened in my name.
Replies: 26
Views: 2628

Re: Instead of a credit freeze, I want to receive a phone call before credit is opened in my name.

You can add a line on your credit report listing a phone number for banks to call you before extending credit. However, whether they do or not is another matter.
by student
Sun Sep 10, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Anyone use Financial Engines?
Replies: 50
Views: 44342

Re: Anyone use Financial Engines?

I find the VG version useless because it's limited to 20(?) accounts - whatever the number is it's less than what I have, so it can't consider all my assets. This seems like a very low limit on accounts. I no longer use it on a regular basis because I find the tools at Fidelity and Personal Capital...
by student
Sun Sep 10, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 43
Views: 3786

Re: Fidelity Security

I haven't signed up for the voice security as I am not sure whether it is more or less secure than password. It would be more secure if it requires both but I think it is using voice to replace password. You think it would be easier for someone to mimic your voice than to figure out your password? ...
by student
Sat Sep 09, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Credit Card....need to send Drivers License/SS Copies?
Replies: 12
Views: 1147

Re: Applying for Credit Card....need to send Drivers License/SS Copies?

I think some financial institutions just use the Patriot Act as an excuse. I don't think it says they need to see your DL, as otherwise, every institution will be asking for it. I can understand they want this if you have recently moved.
by student
Sat Sep 09, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Texas Public Employee - Pension or 403b? Age 34
Replies: 8
Views: 694

Re: Texas Public Employee - Pension or 403b? Age 34

I feel that Federal pension > 403b/401k > other pension because 403b/401k money are in your name. Your pension system is funded at about 80% http://publicplansdata.org/quick-facts/by-state/state/?state=TX Given that there is a reasonable chance that you will move, I say go with 403b/401k. Between TI...
by student
Sat Sep 09, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 43
Views: 3786

Re: Fidelity Security

I haven't signed up for the voice security as I am not sure whether it is more or less secure than password. It would be more secure if it requires both but I think it is using voice to replace password.
by student
Sat Sep 09, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 58
Views: 17256

Re: Is a security freeze at Innovis really needed?

I checked the Innovis website and it states: "CBCInnovis provides credit reports from the Nationwide Consumer Reporting Agencies (NCRAs), Experian®, Equifax® and TransUnion®, to its clients. CBCInnovis' clients are primarily banks, mortgage companies and other lending institutions and have a permis...
by student
Sat Sep 09, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 43
Views: 3786

Re: Fidelity Security

I just installed it and it works as advertised.
by student
Sat Sep 09, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Two Factor Authentication and One Time Passwords
Replies: 24
Views: 1816

Re: Two Factor Authentication and One Time Passwords

I have two factor (as I understand it) set up for the sites that offer it. I always select send the code by email vs. phone when that option is available, since I don't like the phone ringing at night. Is there a security problem with using email this way? I always wonder... I guess the question is...
by student
Sat Sep 09, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: Two Factor Authentication and One Time Passwords
Replies: 24
Views: 1816

Re: Two Factor Authentication and One Time Passwords

Here is another site with many examples. https://twofactorauth.org/ That site is very helpful but not 100% accurate. Ally, for example, does not offer 2-factor authentication. They kind of do this half-baked thing where they might challenge you on occasion, but they won't require you to enter a cod...
by student
Fri Sep 08, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 43
Views: 3786

Re: Fidelity Security

I am also interested in how this works especially if one has both Fidelity and Etrade. Etrade also use Symantec VIP access. It works great, just give both vendors your Symantec VIP key. With Fidelity you type the 6 digit code into a separate web page after putting in your password. With Etrade you ...
by student
Fri Sep 08, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Keep or let go of my car?
Replies: 44
Views: 3174

Re: Keep or let go of my car?

I also think that if the quoted cost of repair is accurate, it is time to replace the car.
by student
Fri Sep 08, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: New Mobile Phone number - Now hounded by Collection Agencies
Replies: 38
Views: 3151

Re: New Mobile Phone number - Now hounded by Collection Agencies

I once received this on my work phone. I took the aggressive approach by returning their call and yelled at them. They said it would take 24 hours for the system to register and they did not call back.
by student
Fri Sep 08, 2017 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 43
Views: 3786

Re: Fidelity Security

Both are two-factor authentications. It is unfortunate that the SMS-based one is only being used for selected transactions. We cannot opt-in for every login. The second required an app which I am not familiar with. I am also interested in how this works especially if one has both Fidelity and Etrade...