Search found 777 matches

by anonenigma
Wed May 06, 2020 4:02 pm
Forum: Personal Investments
Topic: TIAA Traditional: My Best "Bond" Fund?
Replies: 23
Views: 1762

Re: TIAA Traditional: My Best "Bond" Fund?

TIAA Traditional is a great mystery. I was on a retirement oversight committee, and about five years ago, when TIAA was our plan provider, one of its experts called in to our meeting and went through a PowerPoint with us. I understood the Traditional less after the presentation. There are several ty...
by anonenigma
Wed Apr 29, 2020 2:18 pm
Forum: Personal Consumer Issues
Topic: Identifying Sources for Films I Wish to Stream
Replies: 6
Views: 379

Re: Identifying Sources for Films I Wish to Stream

Try this. https://www.justwatch.com/us Cheers Brilliant. though I tried "En el Septimo Dia," a film I like very much, and it indicates that it's available via Kanopy. Unfortunately, it's not available on Kanopy through the Los Angeles Public Library. I will definitely be using this, though. A time ...
by anonenigma
Wed Apr 29, 2020 12:31 pm
Forum: Personal Consumer Issues
Topic: Identifying Sources for Films I Wish to Stream
Replies: 6
Views: 379

Re: Identifying Sources for Films I Wish to Stream

An annoying problem. I have the apps for the services on my phone, and I find it easier to search (and add to watchlist) there than on the Roku on my television. The Roku app on the television will search for titles and tell you where to find them, but it doesn't look at Kanopy, Hoopla or YouTube, a...
by anonenigma
Fri Apr 24, 2020 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Mobile Deposits/ATM
Replies: 42
Views: 1609

Re: Mobile Deposits/ATM

List of the various limits on app-based deposits. https://www.mybanktracker.com/news/comparing-mobile-check-deposit-limits Really helpful link! I've used Wells Fargo mobile deposit recently for really small checks, and it worked very well. I look forward to receiving a really large check in the fut...
by anonenigma
Wed Apr 22, 2020 4:31 pm
Forum: Personal Investments
Topic: 457b and the Risk of State Bankruptcy Question
Replies: 10
Views: 643

Re: 457b and the Risk of State Bankruptcy Question

Governmental 457(b)s are safe. Plan participants have individual accounts that are not impacted by the employer's finances. No need to do anything because of bankruptcy concerns.

Nongovernmental 457(b)s are another matter entirely.

Also, I don't believe that states can declare bankruptcy.
by anonenigma
Mon Apr 20, 2020 1:47 am
Forum: Investing - Theory, News & General
Topic: TIAA Traditional Returns
Replies: 13
Views: 648

Re: TIAA Traditional Returns

Apples and oranges. It sounds like Penn is offering a defined benefit pension as an option, in which your retirement payments will be based on years of service x highest salary (usually over 1-5 years) x an age factor (percent per year of work). Your pension will not be based on what you have paid i...
by anonenigma
Mon Apr 20, 2020 1:36 am
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 75
Views: 5677

Re: Should I buy a new rice cooker from Zojirushi?

Some, but not all Zojirushi rice cookers have the program for brown rice. Be sure that the model you're considering has what you need.
by anonenigma
Fri Apr 17, 2020 9:37 pm
Forum: Personal Consumer Issues
Topic: Easier way to search Prime Video for senior?
Replies: 9
Views: 671

Re: Easier way to search Prime Video for senior?

I find it less frustrating to search on their apps on my phone. If your neighbor has a smart phone, that interface may be more comfortable. Then just look at the watchlist on the Smart TV.
by anonenigma
Wed Apr 15, 2020 6:21 pm
Forum: Investing - Theory, News & General
Topic: Composition and safety of TIAA traditional annuity
Replies: 147
Views: 14481

Re: Composition and safety of TIAA traditional annuity

It is also concerning that TIAA has lost some colleges recently, such as Michigan State U. How much longer will colleges continue to buy into a family of funds with high ERs and some recent bad publicity? I don't have an answer. The second my wife’s small school employer allows another 403(b) provi...
by anonenigma
Sat Apr 11, 2020 11:33 am
Forum: Personal Investments
Topic: Vanguard Accounts Not Updated Friday 4/10
Replies: 7
Views: 910

Vanguard Accounts Not Updated Friday 4/10

The balances in our accounts are the same as the previous day though the market was open. Is this expected due to the early Good Friday closing? There's a note upon opening the portal that transactions after 4 pm Eastern would be handled on 4/13. Does updating balances count as a transaction? Oops!
by anonenigma
Sat Apr 11, 2020 2:00 am
Forum: Personal Investments
Topic: Moving 403b to Rollover IRA
Replies: 7
Views: 372

Re: Moving 403b to Rollover IRA

Why should this take a few weeks? You'll need approval from your district or its third party administrator, but the funds wouldn't be liquidated until that has happened. It's then sent either by physical check or electronically - shouldn't be more than a week or ten days that you're out of the market.
by anonenigma
Tue Apr 07, 2020 10:58 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinders
Replies: 69
Views: 3126

Re: Coffee Grinders

I have a Capresso Infinity. I think it meets all your requirements. I have no complaints about it. I doubt it will last 10 yrs like some of the more expensive options, but it's been reliable so far. I dont use it more than once a week for my weekend aeropressing. +1 560.01 I believe that the black ...
by anonenigma
Sun Apr 05, 2020 1:32 am
Forum: Personal Consumer Issues
Topic: is a $1000+ herman miller office chair worth the investment?
Replies: 37
Views: 2760

Re: is a $1000+ herman miller office chair worth the investment?

I'm on my second Aeron chair - love it! I bought the first one direct from Herman Miller when it was on sale and the second one from Design Within Reach, which is (maybe) owned by Herman Miller and has one or two sales per year with 15% off. Three caveats: 1) Determine which size Aeron is right for ...
by anonenigma
Tue Mar 31, 2020 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: any disadvantages for rolling 403b to IRA
Replies: 11
Views: 508

Re: any disadvantages for rolling 403b to IRA

I retired a couple of years ago so I no longer work for the employer whom I have the Vanguard 403b with. I just turned 59 . I am thinking about direct rollover from Vanguard 403b to a Vanguard Traditional IRA. I know the advantages for doing this. Are there any disadvantages I should know about? Po...
by anonenigma
Tue Mar 31, 2020 5:48 pm
Forum: Personal Investments
Topic: Is anyone 100% TIAA?
Replies: 24
Views: 1736

Re: Is anyone 100% TIAA?

Almost all of my retirement funds - about half of my assets - are in the TIAA Traditional, so I'm very interested in the discussion about TIAA's safety. The non-retirement funds are in CDs and online savings/MMA. I understand that I'm exposed to inflation risk. I have a COLA pension and no kids. I f...
by anonenigma
Fri Mar 20, 2020 2:24 pm
Forum: Personal Investments
Topic: Thanks Bogleheads! You have helped me with market timing!
Replies: 30
Views: 5008

Re: Thanks Bogleheads! You have helped me with market timing!

livesoft wrote:
Mon Mar 16, 2020 11:23 am
Thanks for the thoughts.

Here is a photo of my recent accommodations at an unidentified location:
Image

So "woods" was just a figure of speech, but I'll get into some woods soon.
Good chance of running into Paladin in that landscape.
by anonenigma
Wed Mar 18, 2020 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Treasury extends [tax payment date 90 days, filing deadline still April 15]
Replies: 80
Views: 2911

Re: Official IRS statement on tax payment due date

Cali has granted filing and payment deferment to June 15. No paperwork required. Are all states matching the IRS?? Clearly not, because June 15 is 30 days earlier than July 15. California didn't match it. PJW Not quite. California Franchise Tax Board's statement was issued on 3/13/20. See https://w...
by anonenigma
Wed Mar 18, 2020 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Treasury extends [tax payment date 90 days, filing deadline still April 15]
Replies: 80
Views: 2911

Revised Schedule for Tax Payments

[merged into existing thread - moderator prudent]

I've read the COVID-19 bulletin on the IRS site, and it's clear that my 2019 tax payment and first 2020 estimated tax payment are now due by July 15.

Does anyone know when the second 2020 estimated tax payment, usually due on June 15, will be due?
by anonenigma
Wed Mar 18, 2020 7:12 pm
Forum: Personal Consumer Issues
Topic: Any audiophiles on this forum?
Replies: 120
Views: 9312

Re: Any audiophiles on this forum?

Upgraded Dynaco Stereo 70 Silverline Sonatina speakers NAD CD 538 single disc player Incredible midrange and accuracy acquired for under $3,000. Nice! I recently restored a pair of ST70's. What are you using for preAmps? No preamp. CD player into $10 PAC LC-1 Remote Amplifier Level Controller (via ...
by anonenigma
Sat Feb 22, 2020 3:36 pm
Forum: Personal Consumer Issues
Topic: Trip to Puerto Vallarta
Replies: 11
Views: 1431

Re: Trip to Puerto Vallarta

We liked Casa Tradicional, a restaurant where they made incredibly delicious salsa fresh at our table. There's also a nice cafe nearby, the Original Cigar Factory and Cafe. We were also taken, on a tour, to the Casa Noble Tequila tasting room - really good stuff that isn't available in the U.S.
by anonenigma
Wed Feb 19, 2020 11:57 pm
Forum: Personal Investments
Topic: Can someone help me understand Medicare A and B
Replies: 11
Views: 761

Re: Can someone help me understand Medicare A and B

She was a NY state teacher, I can check with the plan person at the school too I just want to find out what we do or should do I’m not sure her plan has any Medicare option ?? Thank you for the help Call the benefits office of her former employer. She will almost certainly need to pay $144 per mont...
by anonenigma
Sun Feb 09, 2020 2:55 pm
Forum: Personal Investments
Topic: TIAA Access TIAA - CREF Index T1 (Level 1)
Replies: 3
Views: 257

Re: TIAA Access TIAA - CREF Index T1 (Level 1)

What does "(variable annuities)" mean? Who's the plan provider? Presumably not TIAA?
by anonenigma
Sun Feb 09, 2020 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: GPO Question
Replies: 2
Views: 184

Re: GPO Question

Your colleague should find this helpful: https://www.ssa.gov/pubs/EN-05-10007.pdf Thanks. I saw that page after looking at a previous thread, but it doesn't shed light on the specific question - whether she can receive spousal benefits prior to retiring and receiving her pension, at which the GPO w...
by anonenigma
Sun Feb 09, 2020 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: GPO Question
Replies: 2
Views: 184

GPO Question

The husband of a former colleague died unexpectedly last week at age 65. He handled family finances, and it will be a big challenge for my former colleague to pick up the pieces. My colleague is 60, still teaching, and will receive a CalSTRS pension when she retires. I don't know whether her husband...
by anonenigma
Tue Feb 04, 2020 11:36 pm
Forum: Personal Investments
Topic: 457b vs other investing
Replies: 13
Views: 821

Re: 457b vs other investing

Take a look at the risks of a nongovernmental 403(b). Your balance can be at risk if your employer goes bankrupt. Are you sure it's nongovernmental?
by anonenigma
Tue Feb 04, 2020 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone purchased pension service credits?
Replies: 18
Views: 1410

Re: Anyone purchased pension service credits?

My SO's plan allows this. However, in the manual there is no indication of how much these credits cost. I am assuming (perhaps incorrectly) that one would pay a year's worth of pension deductions (which in our case amounts to 6% of salary) to "buy" one additional year of credits. In this case, it w...
by anonenigma
Sat Feb 01, 2020 6:23 pm
Forum: Personal Investments
Topic: A couple of questions about Roth IRA contributions
Replies: 5
Views: 611

Re: A couple of questions about Roth IRA contributions

Based on Adjusted Gross Income on your 1040 (not taxable income). If you're expecting the same level of income in 2020, I wouldn't contribute to the Roth until you know for sure that you will be eligible. 2020 contributions may be made until you file your taxes in 2021. You won't enjoy clawing back ...
by anonenigma
Fri Jan 17, 2020 9:33 pm
Forum: Investing - Theory, News & General
Topic: BlackRock's New Position on Climate Change
Replies: 18
Views: 1310

Re: BlackRock's New Position on Climate Change

usagi wrote:
Fri Jan 17, 2020 9:20 pm
Ha, first one in before the thread is locked for not being actionable.
Not actionable? BlackRock manages over $7 trillion. What it says impacts markets.
by anonenigma
Fri Jan 17, 2020 9:15 pm
Forum: Investing - Theory, News & General
Topic: BlackRock's New Position on Climate Change
Replies: 18
Views: 1310

BlackRock's New Position on Climate Change

This interview with Brian Deese, head of sustainable investing at BlackRock, was on this evening's PBS News Hour. It's just a few minutes but definitely worth watching:

https://www.pbs.org/newshour/show/why-c ... al-markets
by anonenigma
Mon Jan 13, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: speakers
Replies: 32
Views: 2895

Re: speakers

Check Silverline Audio: http://www.silverlineaudio.com/ I have an early pair of their Sonatinas, which likely meet your requirements, though the current Sonatina is twice your budget. They do have speakers (Prelude + at $1,999) that are within your budget. They also have crazy expensive speakers in ...
by anonenigma
Wed Jan 08, 2020 12:52 am
Forum: Personal Investments
Topic: School teacher with $600,000 asked for investment advice
Replies: 15
Views: 2172

Re: School teacher with $600,000 asked for investment advice

Odds are the 403b either has high ERs due to revenue sharing or plan-level charges.
by anonenigma
Mon Jan 06, 2020 1:55 am
Forum: Personal Finance (Not Investing)
Topic: Donating $1M
Replies: 66
Views: 9570

Re: Donating $1M

Hi All. Thank you for the kind words and support. I made my way through the reading, except the books. I bought those. I am thinking: Upping my giving to $2M Over 5 years $250k to my church (good size org), no strings $500k to orgs my pastor and I agree on, probably large chunks, no strings $250k t...
by anonenigma
Thu Jan 02, 2020 7:45 pm
Forum: Personal Consumer Issues
Topic: Help me choose a pulmonologist
Replies: 50
Views: 4060

Re: Help me choose a pulmonologist

sport wrote:
Thu Jan 02, 2020 7:32 pm
Ask a doctor (any field) you trust for a referral.
+1

There are 63 listed at Cedars:

https://find-a-doctor.cedars-sinai.edu/ ... y+Medicine
by anonenigma
Thu Jan 02, 2020 2:30 pm
Forum: Personal Consumer Issues
Topic: Hospital not billing me????
Replies: 8
Views: 1138

Re: Hospital not billing me????

If I recall correctly, the hospital bill and labs are paid 100% by Medicare, so you shouldn't see a bill unless your annual deductible has not been met or isn't covered by your MC supplement insurance. I think you (and your supplemental insurance) only have to pay for the 20% of doctor bills associa...
by anonenigma
Sat Dec 28, 2019 11:04 pm
Forum: Personal Investments
Topic: TIAA Changes
Replies: 8
Views: 1246

Re: TIAA Changes

Revenue sharing in these plans leads participants to wonder whether a mutual fund was chosen because of its excellent value or because it offers revenue sharing to pay plan costs. I've seen an S&P 500 with an ER of 0.5%, of which 80% (0.4%) was kicked back to the plan in revenue sharing. Plans impro...
by anonenigma
Sat Dec 28, 2019 10:55 pm
Forum: Investing - Theory, News & General
Topic: Will RMD lower your wealth
Replies: 37
Views: 3448

Re: Will RMD lower your wealth

Simple truth is it that all the wealth did not belong to you. The saving was done on a tax-deferred basis, and whether you were conscious of it at the time or since, the taxes are due when they're due. That's the deal one makes with tax-deferred saving.
by anonenigma
Sat Dec 28, 2019 7:34 pm
Forum: Personal Investments
Topic: Vanguard TDF Mystery
Replies: 3
Views: 570

Vanguard TDF Mystery

The funds in my wife's 401(k) are invested in the 2030 Vanguard Institutional Target Retirement Fund, VTTWX. There's a lag between what shows in her general Vanguard portal and what shows (late at night Pacific time) in her Vanguard Retirement portal - her regular portal catches up in the morning. A...
by anonenigma
Sat Dec 28, 2019 7:22 pm
Forum: Personal Investments
Topic: TIAA Changes
Replies: 8
Views: 1246

Re: TIAA Changes

it may be the plan charge - to recoup administration costs. Perhaps your employers previously absorbed the cost or even received a payment from TiAA to help cover it. TIAA is your plan provider, but it is likely also functioning as the third party administrator, and that involves costs. At my former...
by anonenigma
Mon Dec 23, 2019 2:09 am
Forum: Personal Finance (Not Investing)
Topic: Injured at work, should I bill my employer?
Replies: 57
Views: 4290

Re: Injured at work, should I bill my employer?

I received a statement the other day form the health insurance company. They received the hospital bill and fully paid it. The bill I received previously were from the doctor who was there at the time. They did not turn it into my insurance company. They did discount it heavily but I am still on th...
by anonenigma
Sat Dec 21, 2019 2:06 pm
Forum: Personal Investments
Topic: VG Money Market Funds for Nonprofit Org.
Replies: 3
Views: 295

Re: VG Money Market Funds for Nonprofit Org.

I spoke with Vanguard, and they appear to be an excellent option. Funds can be easily transferred back and forth with business bank as needed. The only restriction is that, for money market, by policy or regulation, the funds would need to be invested in the Federal Money Market rather than the Prim...
by anonenigma
Fri Dec 20, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: IRMMA
Replies: 12
Views: 681

Re: IRMMA

Gill - Comment please based on your knowledge. For a conversion this year (2019) the limit for a MFJ couple appears to me to be $170,000 before any adjustment to Medicare premium starts. Am I correct that my Medicare premium would increase starting with my 2021 SS benefits if I were to exceed that ...
by anonenigma
Fri Dec 20, 2019 11:49 am
Forum: Personal Investments
Topic: VG Money Market Funds for Nonprofit Org.
Replies: 3
Views: 295

Re: VG Money Market Funds for Nonprofit Org.

Depending on the use of the money a CD or CDs might be appropriate. That was the direction we took as a board of a non-profit. You don't say how much money is involved. $10M might or might not be different from $10k. Our board used a one year CD as the money was a reserve fund against finding plann...
by anonenigma
Thu Dec 19, 2019 8:03 pm
Forum: Personal Investments
Topic: VG Money Market Funds for Nonprofit Org.
Replies: 3
Views: 295

VG Money Market Funds for Nonprofit Org.

My wife's 501(c)(3) nonprofit organization banks with a business bank that pays 0.45% on her organization's substantial deposits. That's not enough. Vanguard offers accounts to nonprofits. They wouldn't want to put the money at risk, so would the Prime Money Market Fund (VMRXX) be the best investmen...
by anonenigma
Thu Dec 19, 2019 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Injured at work, should I bill my employer?
Replies: 57
Views: 4290

Re: Injured at work, should I bill my employer?

Perhaps more to the point, your insurance will not cover accidents/injuries incurred at work. You have no choice but to file workers comp unless you want to pay everything yourself.
by anonenigma
Wed Dec 11, 2019 1:06 am
Forum: Personal Investments
Topic: Help I’m overwhelmed [Help selecting investments]
Replies: 42
Views: 2898

Re: Help I’m overwhelmed

Be careful about Roth IRA income limits if you start to earn significant overtime - you don’t want to have to claw your contribution back if it turns out that you earn too much to be eligible. You don’t have to contribute to an IRA until April 15 of the following year. Maybe best to wait until Janua...
by anonenigma
Fri Dec 06, 2019 2:12 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5425
Views: 1349026

Re: What Movie Have You Recently Watched?

Knives Out and Pain and Glory - two really good, smart films.
by anonenigma
Thu Dec 05, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: How do I decide this pension option?
Replies: 16
Views: 1239

Re: How do I decide this pension option?

Ten-year payout will total $26,280. At $136 per month for the lifetime annuity, it will take 194 months (16 years) to equal that. The question, then, is how long you expect to live. If you live into your 80s, the lifetime annuity is the better deal. At 65, average life expectancy for an American man...
by anonenigma
Wed Dec 04, 2019 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: How do I decide this pension option?
Replies: 16
Views: 1239

Re: How do I decide this pension option?

I chose the same option for the DBS as for the base pension: life plus 75% survivor. The money arrives monthly without having to think about it.
by anonenigma
Wed Dec 04, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1474
Views: 169649

Re: What frugal thing did you do today?

We took advantage of AMC $6 Tuesdays to see KNIVES OUT last night - a very smart and funny film. We saved about $10 per ticket and had a nice evening out.
by anonenigma
Sun Nov 17, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: A Slightly Different "When to Claim Social Security" Question
Replies: 8
Views: 995

Re: A Slightly Different "When to Claim Social Security" Question

Thanks for the replies. I began my pension when I retired - there would have been no advantage to delaying it. I'm not looking to optimize a small income stream so much as cover most of the Medicare B premium (with IRMAA for that and MC D). In my school district, employees did not have to pay health...