Search found 726 matches

by anonenigma
Wed Nov 13, 2019 2:18 pm
Forum: Personal Investments
Topic: CapitalOne 360 performance offer
Replies: 9
Views: 1168

Re: CapitalOne 360 performance offer

0.6%.
by anonenigma
Tue Nov 12, 2019 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Homebuying in Los Angeles - Advice Needed
Replies: 60
Views: 4321

Re: Homebuying in Los Angeles - Advice Needed

Three thoughts. 1) My 3/2 house on a quarter-acre lot on a charming and quiet street in a safe neighborhood 10 minutes from my downtown cost me $155k just last year. My payment is under $1k for a 15 year loan. Where? Can I have one of those? Or three? In probably a third of the metropolitan areas t...
by anonenigma
Tue Nov 12, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Homebuying in Los Angeles - Advice Needed
Replies: 60
Views: 4321

Re: Homebuying in Los Angeles - Advice Needed

CheepSkate wrote:
Mon Nov 11, 2019 4:50 pm
Three thoughts.

1) My 3/2 house on a quarter-acre lot on a charming and quiet street in a safe neighborhood 10 minutes from my downtown cost me $155k just last year. My payment is under $1k for a 15 year loan.
Where? Can I have one of those? Or three?
by anonenigma
Tue Nov 12, 2019 1:34 am
Forum: Personal Consumer Issues
Topic: Los Angeles to San Francisco Roadtrip
Replies: 29
Views: 1971

Re: Los Angeles to San Francisco Roadtrip

Santa Barbara Mission is beautiful. Stop before or after for breakfast/lunch at the Daily Grind which is between the Mission and the 101. There’s also a cool monarch butterfly sanctuary in Goleta, near UCSB. It looks like the butterflies are going to be around during your visit. See https://www.sbla...
by anonenigma
Sat Nov 09, 2019 2:33 pm
Forum: Personal Investments
Topic: Should I use my 457(b)? Worried about disbursement options...
Replies: 32
Views: 1336

Re: Should I use my 457(b)? Worried about disbursement options...

Answered my own question. This type of 457(b) can't be rolled over into a traditional IRA. Wonder why - doesn't immediately make sense?
by anonenigma
Sat Nov 09, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Flight Delay in Europe
Replies: 20
Views: 1670

Re: Flight Delay in Europe

TravelforFun wrote:
Fri Nov 08, 2019 8:51 pm
3) we got paid for spending another day in the City of Lights. Sweet!
I believe that it's "City of Light" = la ville lumiere. It's a reference to enlightenment rather than actual lights.
by anonenigma
Wed Nov 06, 2019 4:29 pm
Forum: Personal Investments
Topic: CalSTRS - California Teachers' Pensions
Replies: 19
Views: 2030

Re: CalSTRS - California Teachers' Pensions

One thing you might consider is the funding status of CALSTRS. My wife is a retired California teacher and, frankly, I was/am appalled at the pension funding status. I don't recall exactly where it is off the top of my head - - but, I think it's funded below 70% currently....and, I think it's been ...
by anonenigma
Mon Nov 04, 2019 11:37 pm
Forum: Personal Investments
Topic: CalSTRS - California Teachers' Pensions
Replies: 19
Views: 2030

Re: CalSTRS - California Teachers' Pensions

One thing you might consider is the funding status of CALSTRS. My wife is a retired California teacher and, frankly, I was/am appalled at the pension funding status. I don't recall exactly where it is off the top of my head - - but, I think it's funded below 70% currently....and, I think it's been ...
by anonenigma
Sun Nov 03, 2019 5:54 pm
Forum: Personal Investments
Topic: Using 403(b) or 457(b)
Replies: 13
Views: 846

Re: Using 403(b) or 457(b)

If you can afford It, I really suggest you max out both. From what you wrote above, it appears that you do not have any tax deferred assets at all. Now you have been given an opportunity to contribute $38k per year additional (you can still max out your Roth IRAs). Do this until your tax deferred a...
by anonenigma
Sun Nov 03, 2019 2:54 pm
Forum: Personal Investments
Topic: Using 403(b) or 457(b)
Replies: 13
Views: 846

Re: Using 403(b) or 457(b)

Thanks for the replies. I am in the 22% tax bracket and the fees are the same for both types of accounts. If the fees are the same then the 403b is preferable for legal reasons. The money in the 403b cannot be taken away from you if the employer goes bankrupt. If your 457 is a government plan then ...
by anonenigma
Fri Nov 01, 2019 10:34 pm
Forum: Personal Investments
Topic: CalSTRS - California Teachers' Pensions
Replies: 19
Views: 2030

Re: CalSTRS - California Teachers' Pensions

Is she vested (5 years of service credit)?
by anonenigma
Wed Oct 30, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Do I Have a Crummy Local Government Pension?
Replies: 51
Views: 4111

Re: Do I Have a Crummy Local Government Pension?

Strange expectations that a pension will amount to much unless you put in the years or that an employee who leaves shortly after vesting would be able to take the employer contribution before qualifying to retire. Not how the world works. A pension is not a 401(k), so the concept of an employer matc...
by anonenigma
Mon Oct 28, 2019 8:13 pm
Forum: Personal Consumer Issues
Topic: Roku
Replies: 37
Views: 4618

Re: Roku

anonenigma wrote:
Sun May 05, 2019 8:55 pm
I'm very happy with the Roku Streaming Stick Plus. Like you, I had previously streamed through my (Sony) blu-ray player, but that limited choices. With Roku, I have access to Kanopy and Hoopla, great free services from my public library.
+1 exactly - as though I’d written the post myself.
by anonenigma
Sat Oct 26, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: 2.1% processing fee at California DMV
Replies: 31
Views: 1760

Re: 2.1% processing fee at California DMV

I recently tried to renew my vehicle registration online at California DMV and I noticed that they now assess a 2.1% fee on credit and debit card transactions. I would think that it's cheaper for them to process an electronic transaction than it is to manually open an envelope and process a paper c...
by anonenigma
Wed Oct 23, 2019 5:21 pm
Forum: Personal Investments
Topic: talk to a new guy [Advisor recommends Midland National Endeavor 8]
Replies: 21
Views: 1815

Re: talk to a new guy

In the 403(b) market, Midland National is among the worst of the worst - the highest surrender charges for the most years. Run, don't walk.
by anonenigma
Tue Oct 22, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Building a House in the Philippines
Replies: 2
Views: 413

Building a House in the Philippines

My wife is a U.S. citizen born in the Philippines. A couple of years ago, we went 50/50 on buying a small farm with her sister – our part was $5,000. Only her sister’s name is on the title at present, though my wife can be added fairly easily. The bank account in the Philippines to which we transfer...
by anonenigma
Mon Oct 14, 2019 12:12 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4794
Views: 1248854

Re: What Movie Have You Recently Watched?

Parasite. Incredible film from South Korea. Picks up where last year's Shoplifters (Japan) and Burning (South Korea) left off. Metacritic score: 95.
by anonenigma
Mon Oct 14, 2019 9:35 am
Forum: Personal Investments
Topic: Need help with 403b
Replies: 16
Views: 895

Re: Need help with 403b

Are there plan charges beyond the expense ratios? There is a yearly admin fee of .23% AUM, also a nonstated admin fee for "plan services (e.g., legal, accounting, auditing, recordkeeping) when applicable". There is a $25 transfer fee. I don't see anything else. The stable value fund sets a guarante...
by anonenigma
Fri Oct 11, 2019 10:29 pm
Forum: Personal Investments
Topic: Need help with 403b
Replies: 16
Views: 895

Re: Need help with 403b

Are there plan charges beyond the expense ratios?
by anonenigma
Tue Oct 08, 2019 5:11 pm
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 6196

Re: Social Security Card as Identification for Real ID

You can sometimes get next day appointments (or at least next week appointments) in rural areas of CA if you don't mind driving for 2 hours instead of standing in line most of the day. No wonder the state of Calif is busted fiscally . :wink: Instead of the expense of maintaining offices in rural pa...
by anonenigma
Tue Oct 01, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: Non stick pan preference?
Replies: 46
Views: 3546

Re: Non stick pan preference?

We like the pair of Calphalon Unison pans we bought in 2015 - they've held up far better than other pans we've bought. The nonstick finish still looks new after four years of frequent use. The price on Amazon was about $50 for the pair, which was a steal. It's now $135.
by anonenigma
Sat Sep 28, 2019 1:29 am
Forum: Personal Consumer Issues
Topic: Apple iPhone iOS 13 Discussion
Replies: 77
Views: 8656

Re: Apple iPhone iOS 13 Discussion

My Plantronics bluetooth earpiece hasn't worked properly since the updates. When I'm driving and push the button to initiate a call via Siri, I don't get the second tone which indicates I should give the instruction. If I pull over and use the phone to make the call, the earpiece works fine.
by anonenigma
Tue Sep 24, 2019 3:58 pm
Forum: Personal Investments
Topic: Heavy Loss in Stable Value Fund of 401k investments
Replies: 46
Views: 8416

Re: Heavy Loss in Stable Value Fund of 401k investments

TBillT wrote:
Tue Sep 24, 2019 8:31 am
Although stable value funds and probably money market funds can lose money, it is rare except in extreme market situations like 2008.
It would probably be big news to "break the bank".
I believe the expression is "break the buck" - in which the value of a unit goes below $1.00.
by anonenigma
Mon Sep 23, 2019 11:05 pm
Forum: Personal Consumer Issues
Topic: Elite liberal art colleges or bigger selective universities?
Replies: 59
Views: 4588

Re: Elite liberal art colleges or bigger selective universities?

Consider which universities have medical schools. It doesn't give you a leg up, but it would be of value to work part time in a research lab - might help define her post-grad interests.
by anonenigma
Sat Sep 21, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 101
Views: 6544

Re: New Camry Questions

Getting ready to replace my 2000 Camry with a 2019 Camry SE. My wife prefers the look of the SE over the LE, and beyond the aesthetics (she cares, me not so much), the small price difference ($1K) buys a tire pressure monitor, fake leather (Softex) upholstery that might be longer lasting/easier to ...
by anonenigma
Sat Sep 21, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Help with pension choices
Replies: 36
Views: 2757

Re: Help with pension choices

If your wife is five years younger, on average she'll be alive eight years after you're gone. With CalSTRS, I chose the 75% survivor option. It's a COLA pension, so that will make a difference keeping up with inflation. The WEP will impact your pension, but if you plan to do any additional work afte...
by anonenigma
Thu Sep 19, 2019 3:02 pm
Forum: Investing - Theory, News & General
Topic: How factor in pension with savings goal?
Replies: 16
Views: 1279

Re: How factor in pension with savings goal?

The pension is prospective until you reach the age when you can actually retire. There's too much that can go wrong up to that moment - your health, family commitments, trouble at work (you break up a fight and get in trouble for touching a student), etc. Understand how your pension works (mine was ...
by anonenigma
Sun Sep 15, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 9367

Re: Do You Tip At Counter Service Restaurants?

50 cents in the tip jar for a $2.75 coffee. I don't cre whether I "have to" or "ought to." I can afford it, and this is a very expensive place to live for people who work for coffee shop wages. Every little bit helps. I also tip at the bakery where I buy bread every week or two - a dollar in the tip...
by anonenigma
Sun Sep 15, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 116
Views: 8620

Re: Coffee becomes cold too soon

... Thanks for the suggestions every one. I was not aware of any of these options before. I am currently looking at Yeti, Ozark and Contigo mugs. Any thoughts on how these compare to each other. Also does the stainless steel affect the taste? Are they easy to clean? On the Yeti, it has a "magslider...
by anonenigma
Sat Sep 14, 2019 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 29879

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

I will say that the teachers in this area (upstate NY Capital District region, MCOL) are generally not able to save half their income in one earner families and live a lifestyle comparable to the OPs (i.e., live in new construction townhome built less than ten years ago, two cars, cleaning service ...
by anonenigma
Sat Sep 14, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 29879

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

He also wouldn't have 180 days off every year... To clarify, teachers work about 180 days per year, which is 36 full weeks. His 180 days off includes weekends and legal holidays. To clarify, those in the private sector do not get off 16 weeks per year. Standard may be 3 weeks, with an additional 1-...
by anonenigma
Sat Sep 14, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 29879

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

He also wouldn't have 180 days off every year... To clarify, teachers work about 180 days per year, which is 36 full weeks. His 180 days off includes weekends and legal holidays. To clarify, those in the private sector do not get off 16 weeks per year. Standard may be 3 weeks, with an additional 1-...
by anonenigma
Sat Sep 14, 2019 2:13 pm
Forum: Personal Investments
Topic: Help with old retirement accounts
Replies: 4
Views: 498

Re: Help with old retirement accounts

Can you roll the 401(k) into the 403(b)? Assumes that the fees in the 403(b) are decent. Check with the plan administrators.
by anonenigma
Sat Sep 14, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 374
Views: 57247

Re: MoviePass-Too good to be true, but it's legit.

MoviePass was great for me in 2018, when I saw 104 movies in 11 months. It was a tremendous year for films, too - far better than 2019. I certainly contributed to the demise of MoviePass by seeing about two movies per week. On the other hand, that was about a third of what I could have seen based on...
by anonenigma
Sat Sep 14, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 29879

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Nathan Drake wrote:
Sat Sep 14, 2019 2:02 pm

He also wouldn't have 180 days off every year...
To clarify, teachers work about 180 days per year, which is 36 full weeks. His 180 days off includes weekends and legal holidays.
by anonenigma
Sat Sep 14, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 29879

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

No medical expenses? Does your health plan cover it all? I'm paying over 3x on insurance premiums with a high deductible plan subsidized through work. We hit our deductible every year which accounts for about $600 a month. Salary is similar to yours but I live in Atlanta, mortgage is half and RE ta...
by anonenigma
Wed Sep 11, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9526

Re: How old is your cellphone?

8 Plus will be 2 yo in February.

Got it when I switched from Verizon to T-Mobile 55+. 2 for 1 deal (actually a little less - $700 rebate) was too much to resist.

No plans to upgrade for now.
by anonenigma
Sun Sep 08, 2019 11:31 am
Forum: Personal Finance (Not Investing)
Topic: US and state income tax calculator
Replies: 9
Views: 1555

Re: US and state income tax calculator

Not a calculator, but the 2019 state brackets may be found here: https://taxfoundation.org/state-individ ... kets-2019/
by anonenigma
Fri Sep 06, 2019 6:31 pm
Forum: Personal Investments
Topic: TPA error
Replies: 6
Views: 406

Re: TPA error

Then call the TPA at your new district. Settle for nothing less than the money landing where it was supposed to land unless the TPA, for some reason, can't direct the money into your advisor's 403(b).
by anonenigma
Fri Sep 06, 2019 6:25 pm
Forum: Personal Investments
Topic: TPA error
Replies: 6
Views: 406

Re: TPA error

Call Payroll at your previous district. There's a problem in their system if they sent a deferral for someone who's no longer employed. They should claw it back. Good thing it's September, not December.
by anonenigma
Mon Sep 02, 2019 1:42 pm
Forum: Personal Investments
Topic: TIAA questions regarding inheriting spousal IRA
Replies: 12
Views: 552

Re: TIAA questions regarding inheriting spousal IRA

I just asked a variant of this question a few days ago since my wife is 15 years younger. My TIAA funds are all invested in the TIAA Traditional Annuity. I have a Roth IRA there but stopped contributing to it when TIAA announced that new contributions/rollovers would thereafter have a 1% guarantee r...
by anonenigma
Sun Sep 01, 2019 2:13 pm
Forum: Personal Investments
Topic: 403b vs. tIRA
Replies: 5
Views: 500

Re: 403b vs. tIRA

Does your 403(b) have a plan charge beyond the ERs of the investments? Some do.
by anonenigma
Fri Aug 30, 2019 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Choices Upon Demise
Replies: 3
Views: 653

Spouse Choices Upon Demise

I'm about to turn 65, and my wife is 15 years younger. I'm putting together an "In the Event of My Demise" document and was just reading a guide for beneficiaries from TIAA (https://www.tiaa.org/public/pdf/Taking-the-Next-Step.pdf). I just want to run my conclusion by you to make sure I'm right. If ...
by anonenigma
Thu Aug 29, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 116
Views: 8620

Re: Coffee becomes cold too soon

... Thanks for the suggestions every one. I was not aware of any of these options before. I am currently looking at Yeti, Ozark and Contigo mugs. Any thoughts on how these compare to each other. Also does the stainless steel affect the taste? Are they easy to clean? On the Yeti, it has a "magslider...
by anonenigma
Wed Aug 28, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Maui Honeymoon Daily Spending Budget
Replies: 39
Views: 2791

Re: Maui Honeymoon Daily Spending Budget

We almost went to Maui via Costco last year but cancelled as a hurricane was closing in. What I gathered: 1) Stop at the Costco near the airport and get food so you don't have to eat at restaurants three times a day. 2) Make reservations ASAP for the sunrise in the national park - fills up fast. 3) ...
by anonenigma
Tue Aug 27, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 116
Views: 8620

Re: Coffee becomes cold too soon

I use a cone with paper filter that pours into a Zojirushi thermos with trigger release. That keeps the coffee hot for hours. Use a cup with a smaller mouth, so less heat escapes, and pour half a cup or less at a time.
by anonenigma
Tue Aug 27, 2019 8:18 pm
Forum: Personal Investments
Topic: Which 403(b) vendor?
Replies: 2
Views: 186

Re: Which 403(b) vendor?

Not Ameriprise. Vanguard or Fidelity.
by anonenigma
Tue Aug 27, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Passport Photos
Replies: 27
Views: 2070

Re: Passport Photos

Costco is $4.99 for four in Los Angeles.
by anonenigma
Wed Aug 21, 2019 1:44 pm
Forum: Personal Investments
Topic: Pensions and planning
Replies: 18
Views: 1086

Re: Pensions and planning

I can't imagine anyone who's in line for a pension who doesn't consider it. It's an income stream. Keep it simple. Figure your costs in retirement in today's dollars. Subtract projected income from pensions and/or Social Security, also in today's dollars. If those streams will produce less than you ...