Search found 564 matches

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: 5
Views: 342

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: 5
Views: 342

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: 13
Views: 965

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: 4456

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: 13
Views: 1523

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: 41
Views: 3398

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: 2279

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: 13
Views: 1523

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: 1601

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: 562

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...
by student
Mon Mar 20, 2017 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Back to School
Replies: 7
Views: 477

Re: Back to School

I think you will be taking on too much and it may not be legally possible. For example, my university does not allow a funded TA to take another job without explicit permission. Yes, some TAs work a few hours outside and are routinely approved. However, I doubt that a full time job will be approved....
by student
Mon Mar 20, 2017 9:18 pm
Forum: Investing - Theory, News & General
Topic: Is there something wrong at TIAA today?
Replies: 5
Views: 562

Re: Is there something wrong at TIAA today?

I do not see any problem when I logged on 5 minutes ago.
by student
Mon Mar 20, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Wife going back to school. What financial steps should I take?
Replies: 23
Views: 1093

Re: Wife going back to school. What financial steps should I take?

Since you mentioned that one possible future career is for her to be a professor, I would like to caution her on this career choice. Tenure-track job is very difficult to come by. Ask the school about the job placement rate of their graduate students in this regard. For example, new assistant profes...
by student
Sat Mar 18, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Can TIAA Traditional be my whole "bond" allocation?
Replies: 15
Views: 707

Re: Can TIAA Traditional be my whole "bond" allocation?

I also use TIAA Traditional as my "bond" allocation.
by student
Thu Mar 16, 2017 7:50 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4481

Re: Fidelity vs. Vangard?

As you can see, different people have different experiences. I have account with both and I will continue to have accounts with both. My experience is that Fidelity has better customer service. In addition, Fidelity has more local offices and 24 hours telephone support. No. I do not contact them on ...
by student
Sat Mar 04, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 3118

Re: Where do you order checks from?

I still have checks that I ordered from my credit union. These days, I mostly use Discover Bank and they give free checks.
by student
Sat Mar 04, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Describe your Reasonable Dream Home
Replies: 51
Views: 3088

Re: Describe your Reasonable Dream Home

New build or remodeled house. Essentially what you see on HGTV. It costs under $400,000 to get everything I want. Add $100,000 if it is close to work. -Ranch or 1 1/2-story, 2000 sq ft to 2200 sq ft -Not in the country -No wall sharing with neighbors -Walk in shower and tub in masters -modern -3BR, ...
by student
Sat Mar 04, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Older car getting dents and dings :(
Replies: 26
Views: 2130

Re: Older car getting dents and dings :(

The best part of having an old car is one doesn't have to worry about small dings anymore. Are you sure you want to spend money on it?
by student
Fri Mar 03, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond vs. TIAA Traditional? I should switch, right?
Replies: 7
Views: 470

Re: Vanguard Total Bond vs. TIAA Traditional? I should switch, right?

I use TIAA Traditional as my bond allocation (about 95%) with majority in the liquid version.
by student
Fri Mar 03, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Path to Financial Health
Replies: 4
Views: 417

Re: Path to Financial Health

2) Windfall will enable her to finish her student loan off for good- within 45 days. Are there ways to accelerate the rebuilding of credit after late, denied, and defaulted loan payments? Does she need to borrow money anytime soon? If not, may be it is a good thing that the rebuilding of credit is ...
by student
Fri Mar 03, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Ever dip your feet into individual stocks?
Replies: 63
Views: 3255

Re: Ever dip your feet into individual stocks?

I owned several stocks when I started investing. Then I concluded that I don't have the insight to invest in stocks. So I am down to a couple of stocks that is less than 1% of my investments.
by student
Fri Mar 03, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: When & how much to donate?
Replies: 94
Views: 4883

Re: When & how much to donate?

Another observation: whenever someone starts a sentence with "Not to sound rude" they are about to be rude. There are some posts you just have to ignore. +1. It is the same as someone starts with "With all due respect." In a similar way, a company puts you on hold for 30 minutes...
by student
Wed Mar 01, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Best option for a Florida public school employee's 403b/457b?
Replies: 16
Views: 709

Re: Best option for a Florida public school employee's 403b/457b?

I am familiar with TIAA-CREF and they have a good reputation.
by student
Tue Feb 28, 2017 9:25 pm
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 63
Views: 4842

Re: Fidelity drops equity trade fee to $4.95

Now, I'll be shocked if Ameritrade doesn't lower its commission fee after its two big rivals have just done this. They just did but not as low as Fidelity. http://www.amtd.com/newsroom/press-releases/press-release-details/2017/TD-Ameritrade-Reduces-Client-Pricing-to-695-for-Online-Equity-Trades/def...
by student
Mon Feb 27, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Help Please, My Identity is at Risk
Replies: 26
Views: 3123

Re: Help Please, My Identity is at Risk

You can check whether it is encrypted by doing the following: 1) Go to System Preferences 2) Go to Security and Privacy 3) Go to Second tab File Vault If it says Turn On File Vault, this means you hard drive is not encrypted and it is asking for you to take action. If it says Turn Off File Vault, t...
by student
Sun Feb 26, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 89
Views: 7121

Re: Used German Luxury vs New Japanese

Unless your job "requires" a luxury car to project the kind of image that your clients expect, I would pick new cars that cost $30,000.
by student
Sun Feb 26, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Help Please, My Identity is at Risk
Replies: 26
Views: 3123

Re: Help Please, My Identity is at Risk

You can check whether it is encrypted by doing the following: 1) Go to System Preferences 2) Go to Security and Privacy 3) Go to Second tab File Vault If it says Turn On File Vault, this means you hard drive is not encrypted and it is asking for you to take action. If it says Turn Off File Vault, th...
by student
Sun Feb 26, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Have Fidelity account- adding Vanguard 3 fund plan- stay at Fidel
Replies: 35
Views: 2042

Re: Have Fidelity account- adding Vanguard 3 fund plan- stay at Fidel

If the Vanguard funds that were suggested to you are index funds such as S&P 500 or total international, stay at Fidelity. They have equivalent index funds in investor class and premium class that are just as cheap as investor class and admiral class at Vanguard. I have accounts with both. In ge...
by student
Sun Feb 26, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: When Is a Revocable Living Trust Needed in CA?
Replies: 6
Views: 450

Re: When Is a Revocable Living Trust Needed in CA?

I am not a lawyer but my understanding is the same as yours, naming beneficiaries is sufficient. Additional information can be found in http://baltimore.cbslocal.com/2013/07/11/legal-qa-revocable-trusts-and-payable-on-death-accounts/ https://www.thebalance.com/joint-pod-probate-problems-3505234 This...
by student
Sat Feb 25, 2017 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Please evaluate our situation
Replies: 47
Views: 3265

Re: Please evaluate our situation

I mentioned this earlier and I hope OP (or anyone with a pension) will take a look at the pension stability issue before retiring. Here is an article about the system in Texas. http://www.expressnews.com/business/business_columnists/michael_taylor/article/The-Big-Four-Texas-pension-funds-9188853.ph...
by student
Sat Feb 25, 2017 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Please evaluate our situation
Replies: 47
Views: 3265

Re: Please evaluate our situation

I mentioned this earlier and I hope OP (or anyone with a pension) will take a look at the pension stability issue before retiring. Here is an article about the system in Texas. http://www.expressnews.com/business/bus ... 188853.php
by student
Sat Feb 25, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Trip to Savannah GA
Replies: 33
Views: 2180

Re: Trip to Savannah GA

1) I think this is the place that we went to. https://www.tripadvisor.com/ShowUserReviews-g60814-d5496824-r206448759-Bernie_s_Oyster_House-Savannah_Georgia.html 2) This is very famous but I find it only ok. https://www.tripadvisor.com/Restaurant_Review-g60814-d509715-Reviews-The_Olde_Pink_House-Sava...
by student
Sat Feb 25, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Delivering a Large Check
Replies: 37
Views: 2840

Re: Delivering a Large Check

Personally I would be nervous about this amount and will pay for additional service. However, banks routinely send checks over $100,000 by regular mail.
by student
Sat Feb 25, 2017 1:40 pm
Forum: Investing - Theory, News & General
Topic: Buffett Annual Letter 2016 [Jack Bogle is a hero]
Replies: 69
Views: 5504

Re: Buffett praises index funds, Bogle; unaware of Bogle's statue

I think this is probably different from what Buffett has in mind. I assume that the statue was erected based on his contributions as determined by Vanguard, not exactly non-biased for the purpose of honoring "the person who has done the most for American investors."
by student
Sat Feb 25, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Annuities vs bonds
Replies: 22
Views: 816

Re: Annuities vs bonds

In my opinion, there are very few annuities that are suitable in the accumulation phase. I believe TIAA Traditional is one that is suitable, if it is available to you. One may argue that it is not strictly one until you annualized.
by student
Sat Feb 25, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Please evaluate our situation
Replies: 47
Views: 3265

Re: Please evaluate our situation

It seems that the pension system for teachers is underfunded. It would seem prudent to take this into consideration in determining your retirement age.
by student
Thu Feb 23, 2017 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Rebalance
Replies: 7
Views: 490

Re: TIAA Rebalance

You may find this helpful. https://www.tiaa.org/public/pdf/TT_FAQ.pdf
I suggest that you give them a call. They are in general helpful.
by student
Thu Feb 23, 2017 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card limits
Replies: 16
Views: 1288

Re: Credit card limits

$30K and they keep offering to raise it :confused - not like I'm going to go out and buy a car with it. ... Don't rule it out. Was nice to get the points when I bought my new Fit... :D Easier than withdrawing cash or getting a cashiers check. (Many/most dealers will balk though.) Yeah, the dealers ...
by student
Thu Feb 23, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 233
Views: 37939

Re: Bank of America/Merrill Edge - Preferred Rewards

Earl Lemongrab wrote:
Do they offer free safe deposit boxes?

The site says a small one for Platinum and Platinum Honors.


Thanks for the info. I was looking for this as well. I believe you mentioned that you were able to get them to pay the transfer out fee. Is that in addition to the promotion cash?
by student
Thu Feb 23, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: PC replacement time
Replies: 30
Views: 2606

Re: PC replacement time

What is a SSD you computer folks are referring to?? I know it may be a stupid question. Here is some info https://en.wikipedia.org/wiki/Solid-state_drive It is just a different technology of storing data. Pluses include faster access. Minuses include more expensive that "older" type of dr...
by student
Thu Feb 23, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: PC replacement time
Replies: 30
Views: 2606

Re: PC replacement time

bbees wrote:Stupid question--What are you folks calling an SSD??

Solid State Drive.
by student
Wed Feb 22, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 123
Views: 7894

Re: BH thoughts on Time shares

I sat though one of them in Las Vegas to get free tickets. Not worth it. Almost everything coming from the salesperson's mouth is a lie and they became hostile when we did not buy.
by student
Wed Feb 22, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Financial Checkup & Suggestions
Replies: 8
Views: 617

Re: Financial Checkup & Suggestions

I am no expert but I think you are doing fine. You have about $200,000 in investment/EF and a relatively small mortgage at 33. You are making $85,000 in LCOL area. Since you are with Fidelity, I would suggest you try out their retirement analysis online. Once you reach $50,000 at Vanguard, you can t...
by student
Wed Feb 22, 2017 9:22 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) "Fixed Return of 7%" Election Question
Replies: 24
Views: 1865

Re: 403(b) "Fixed Return of 7%" Election Question

I think you idea is great. I do the same with TIAA and I only get 3% guaranteed.
by student
Tue Feb 21, 2017 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: What to do when both 403b and 457b are avaliable
Replies: 11
Views: 593

Re: What to do when both 403b and 457b are avaliable

OP here is the IRS URL for catch up provisions: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-403b-contribution-limits . You are still limited to the $53K total including employer contribution for 2016 tax year. I recommend you look at the IRS guidance on this, no...
by student
Tue Feb 21, 2017 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: What to do when both 403b and 457b are avaliable
Replies: 11
Views: 593

Re: What to do when both 403b and 457b are avaliable

I also have access to both at my university. I contribute to both. Note that the TIAA Traditional for 457b is likely the liquid version.
by student
Tue Feb 21, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA question
Replies: 5
Views: 644

Re: Roth IRA question

student, Do you have access to a 401(k) / 403(b) / 457(b) plan at work? If so, do those plans accept incoming rollovers from traditional IRAs? If the answer is yes to both those questions, and you have money sitting in a traditional IRA somewhere, 1. first make a non-deductible traditional IRA cont...
by student
Tue Feb 21, 2017 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Trying to understand TIAA Traditional
Replies: 25
Views: 1239

Re: Trying to understand TIAA Traditional

mrc wrote:
student wrote:
The one study that I know of comparing TIAA Traditional to bond. http://collegeretirement.blogspot.com/2 ... -deal.html


Broken link. I'd like to read this.

Sorry. My mistake.

http://collegeretirement.blogspot.com/2 ... -deal.html
by student
Tue Feb 21, 2017 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Trying to understand TIAA Traditional
Replies: 25
Views: 1239

Re: Trying to understand TIAA Traditional

So what determines the amount that is paid out in the end? How are all the various rates aggregated to determine the final payout amount? It is a vintage system. The money that you have deposited in 2006 earns a different rate from those in deposited in 2017. See https://www.tiaa.org/public/investm...
by student
Tue Feb 21, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Trying to understand TIAA Traditional
Replies: 25
Views: 1239

Re: Trying to understand TIAA Traditional

Boy - not elementary at all. TIAA Traditional is pretty opaque to me. My Traditional account is the fully liquid GRSA version and it credits 3% guaranteed. I thought that usually the more liquid the account the lower the interest crediting so why yours only pays 1% is puzzling. S I believe a few ye...

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