Search found 4007 matches

by student
Tue Nov 12, 2019 11:10 am
Forum: Personal Investments
Topic: TIAA's real estate fund
Replies: 10
Views: 551

Re: TIAA's real estate fund

Here is the link for who is eligible: https://www.tiaa.org/public/retire/financial-products/annuities/annuity-ira-benefits I did know that you could qualify by relationship but did not realize how broad the definition had become. Yes, as this TIAA video about who counts as a family member indicates...
by student
Mon Nov 11, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Charge - refund
Replies: 15
Views: 1185

Re: Credit Card Charge - refund

Thanks for the update.
by student
Mon Nov 11, 2019 9:23 am
Forum: Personal Investments
Topic: Coverting mutual fund shares to ETFs at Vanguard
Replies: 1
Views: 270

Coverting mutual fund shares to ETFs at Vanguard

As I am getting older, I now want to consolidate my accounts. I am leaning to transfer my money at Vanguard to another brokerage firm next year. So I think the first step is to convert my mutual fund accounts to a brokerage account. (I already have a Vanguard brokerage account, so I guess they will ...
by student
Mon Nov 11, 2019 9:07 am
Forum: Personal Investments
Topic: Dad is looking to move money out of Fisher Investments...need advice
Replies: 15
Views: 2262

Re: Dad is looking to move money out of Fisher Investments...need advice

I agree with others who said the proposed AA is aggressive. If you are willing to use ETF, I would suggest getting a transfer bonus from ETrade/Merrill Edge/Schwab.
by student
Mon Nov 11, 2019 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Has Vanguard changed the $250 min Checks?
Replies: 8
Views: 1177

Re: Has Vanguard changed the $250 min Checks?

Chrismax wrote:
Sun Nov 10, 2019 6:35 pm
The checks will not auto decline if you write them for less than $250. I've written some in the past for less and they went through with no issues.
So it seems there is no minimum as we have a real example.
by student
Sat Nov 09, 2019 7:34 pm
Forum: Personal Investments
Topic: Fidelity vs Vanguard vs Schwab vs TD vs Etrade vs Merril
Replies: 32
Views: 1861

Re: Fidelity vs Vanguard vs Schwab vs TD vs Etrade vs Merril

In this case, I will transfer $100,000+ to Merrill Edge for the preferred rewards, which I think you are aware of. I will transfer the rest to Schwab for a bonus and ask them to reimburse account closing fee imposed by Merrill. I picked Schwab also because they have worldwide ATM fee reimbursement. ...
by student
Sat Nov 09, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 117
Views: 9580

Re: Seller's agent not letting us use a buyer's agent

HoosierJim wrote:
Sat Nov 09, 2019 9:48 am
It's best to operate under the assumption that the agent's fiduciary duty is to themselves and to close the deal.
Exactly right.
by student
Sat Nov 09, 2019 8:42 am
Forum: Non-US Investing
Topic: S&P500 52 week high, Hold, DCA, or Invest lump sums
Replies: 13
Views: 978

Re: S&P500 52 week high, Hold, DCA, or Invest lump sums

What is your desired asset allocation? If it calls for more equity, then I would invest DCA for psychological reasons.
by student
Wed Nov 06, 2019 10:41 pm
Forum: Personal Investments
Topic: Transfering from mutual fund companies to Schwab
Replies: 9
Views: 971

Re: Transfering from mutual fund companies to Schwab

David Jay wrote:
Wed Nov 06, 2019 10:15 pm
Well there ya’ go - a successful move.
So far so good. I will post an update when I receive the transfer bonus.
by student
Wed Nov 06, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: 457b contribution not posting
Replies: 7
Views: 338

Re: 457b contribution not posting

Update: Benefits contacted Fidelity and they have fixed the issue. However, they made the transaction date 11/5 rather than 10/31 (if they did it right to begin with). So due to their mistake, I lost $10 because of the price difference. The transaction date should be changed to match what was done ...
by student
Wed Nov 06, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: 457b contribution not posting
Replies: 7
Views: 338

Re: 457b contribution not posting

Update: Benefits contacted Fidelity and they have fixed the issue. However, they made the transaction date 11/5 rather than 10/31 (if they did it right to begin with). So due to their mistake, I lost $10 because of the price difference. The transaction date should be changed to match what was done ...
by student
Wed Nov 06, 2019 8:43 am
Forum: Personal Finance (Not Investing)
Topic: 457b contribution not posting
Replies: 7
Views: 338

Re: 457b contribution not posting

Update: Benefits contacted Fidelity and they have fixed the issue. However, they made the transaction date 11/5 rather than 10/31 (if they did it right to begin with). So due to their mistake, I lost $10 because of the price difference.
by student
Tue Nov 05, 2019 10:49 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1007
Views: 135958

Re: Post your Financial Milestone Announcements Here

supersharpie wrote:
Tue Nov 05, 2019 11:30 am
Wife and I hit 600k in our retirement funds on Friday. Goal has been 1M by 40. I'm 36, she is 35. We shall see.
Congratulations.
by student
Tue Nov 05, 2019 10:12 pm
Forum: Personal Investments
Topic: Transfering from mutual fund companies to Schwab
Replies: 9
Views: 971

Re: Transfering from mutual fund companies to Schwab

Update: The reimbursement of closing fee charged by Etrade is posted.
by student
Mon Nov 04, 2019 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: 457b contribution not posting
Replies: 7
Views: 338

Re: 457b contribution not posting

Let it play out a little. HR has done all they can do. Showing them some regulation isn't going to make them able to do anything else at this point. This happened to me one time with my 457b... although, I wasn't the only one... all worked out fine. I was stressed at the time as well. Trust it will...
by student
Mon Nov 04, 2019 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: 457b contribution not posting
Replies: 7
Views: 338

457b contribution not posting

My October contribution to Fidelity 457b has not been posted. I checked with my colleagues and they have no issues. I called Fidelity the CS said nothing was showing in their system. So I called HR. I am not satisfied with the response from HR as the person who answered the phone simply told me, aft...
by student
Mon Nov 04, 2019 7:06 am
Forum: Personal Investments
Topic: Help me pull the trigger on rolling over two TIAA Retirement Accounts to Vanguard Rollover IRA
Replies: 23
Views: 1190

Re: Help me pull the trigger on rolling over two TIAA Retirement Accounts to Vanguard Rollover IRA

If I were you, I would approach it as follows: At 40, 20%-25% of my portfolio will be in fixed income. Since I am a fan of TIAA Traditional, I would put all the money (16% if your portfolio) within these accounts to TIAA Traditional. I would also rollover the Private U account to State U account to...
by student
Sun Nov 03, 2019 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: New Job, Depressed, Money issues
Replies: 89
Views: 11580

Re: New Job, Depressed, Money issues

I was in a similar situation a few years ago. I was at just about the lowest point a person could be. I started a new job and felt completely lost with virtually no hope I could make it. Nobody would listen to me when I told them how I could not do the job. Everyone just took the psititive route an...
by student
Sun Nov 03, 2019 11:36 pm
Forum: Personal Investments
Topic: Help me pull the trigger on rolling over two TIAA Retirement Accounts to Vanguard Rollover IRA
Replies: 23
Views: 1190

Re: Help me pull the trigger on rolling over two TIAA Retirement Accounts to Vanguard Rollover IRA

I'm a member of both cults (Trad and TREA), and they are the only reasons to stay with TIAA. There is something satisfying in watching them grind relentlessly higher day in and day out. But as you know, you can certainly do better on the equities ER side. I'd certainly roll any equity/bond fund all...
by student
Sun Nov 03, 2019 11:32 pm
Forum: Personal Investments
Topic: Help me pull the trigger on rolling over two TIAA Retirement Accounts to Vanguard Rollover IRA
Replies: 23
Views: 1190

Re: Help me pull the trigger on rolling over two TIAA Retirement Accounts to Vanguard Rollover IRA

If I were you, I would approach it as follows: At 40, 20%-25% of my portfolio will be in fixed income. Since I am a fan of TIAA Traditional, I would put all the money (16% if your portfolio) within these accounts to TIAA Traditional. I would also rollover the Private U account to State U account to...
by student
Sun Nov 03, 2019 10:07 pm
Forum: Personal Investments
Topic: Help me pull the trigger on rolling over two TIAA Retirement Accounts to Vanguard Rollover IRA
Replies: 23
Views: 1190

Re: Help me pull the trigger on rolling over two TIAA Retirement Accounts to Vanguard Rollover IRA

If I were you, I would approach it as follows: At 40, 20%-25% of my portfolio would be in fixed income. Since I am a fan of TIAA Traditional, I would put all the money (16% of your portfolio) within these accounts to TIAA Traditional. I would also rollover the Private U account to State U account to...
by student
Sun Nov 03, 2019 11:26 am
Forum: Personal Finance (Not Investing)
Topic: My Social Security not sending verification code
Replies: 20
Views: 1151

Re: My Social Security not sending verification code

I tried just a minute ago and it worked. Maybe you can try again.
by student
Sun Nov 03, 2019 8:42 am
Forum: Personal Investments
Topic: Using 403(b) or 457(b)
Replies: 13
Views: 842

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

This is a good article about the differences. https://www.investopedia.com/articles/p ... arison.asp
by student
Sat Nov 02, 2019 6:19 pm
Forum: Personal Investments
Topic: Nice surprise from Computershare after transfer to VG
Replies: 10
Views: 1633

Re: Nice surprise from Computershare after transfer to VG

Congratulations. It is good that it works out well.
by student
Sat Nov 02, 2019 6:17 pm
Forum: Personal Investments
Topic: Transfering from mutual fund companies to Schwab
Replies: 9
Views: 971

Re: Transfering from mutual fund companies to Schwab

Update: The cost basis from Etrade has now transferred correctly. I am still waiting for the reimbursement of the transfer fee charged by Etrade.
by student
Sat Nov 02, 2019 6:00 am
Forum: Personal Investments
Topic: Do You Discount Your Retirement Number In Bull Markets
Replies: 25
Views: 2411

Re: Do You Discount Your Retirement Number In Bull Markets

Do you reduce them to by say 20% to figure out a more realistic projection? I am retired and I effectively do something like this, but not through some arbitrary "reduce by 20%" number like that. I use 2 numbers from Mr. Market -- TIPS yields and P/E ratios. I use the 30-year real TIPS yield to cal...
by student
Sat Nov 02, 2019 5:57 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1007
Views: 135958

Re: Post your Financial Milestone Announcements Here

LiterallyIronic wrote:
Fri Nov 01, 2019 6:19 pm
We finally hit $100k invested! Took me until age 35 and nearly three years after completing school.
Congratulations. I think it took me longer.
by student
Sat Nov 02, 2019 5:55 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1007
Views: 135958

Re: Post your Financial Milestone Announcements Here

Good morning Bogleheads! This morning I felt like a kid on Christmas as I waited to see our accounts update from yesterday. There it is..... our net worth is now $2,000,529.13! 20 years ago or so our net worth was at negative $100k thanks to student loans; 10 years ago coming out of the Great Reces...
by student
Sat Nov 02, 2019 5:54 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1007
Views: 135958

Re: Post your Financial Milestone Announcements Here

Last week we reached a big milestone - over $3MM in our 401ks and taxable accounts, not counting our house (paid in full). We actually got there a couple weeks prior but then fell below when the market declined. I'm hoping like everyone the market keeps moving up and we don't take another step back...
by student
Sat Nov 02, 2019 5:52 am
Forum: Personal Finance (Not Investing)
Topic: paying foreign medical bill - after the fact:( back from vacation
Replies: 30
Views: 2991

Re: paying foreign medical bill - after the fact:( back from vacation

I’m always amazed that Americans put up with their health care provision. Why don’t you just give the Italian hospital your insurance details and then they can battle it out. Involving the patient seems utterly pointless. Italy has a national health plan and it provides hospital and medical benefit...
by student
Fri Nov 01, 2019 7:10 am
Forum: Personal Finance (Not Investing)
Topic: paying foreign medical bill - after the fact:( back from vacation
Replies: 30
Views: 2991

Re: paying foreign medical bill - after the fact:( back from vacation

I’m always amazed that Americans put up with their health care provision. Why don’t you just give the Italian hospital your insurance details and then they can battle it out. Involving the patient seems utterly pointless. Italy has a national health plan and it provides hospital and medical benefit...
by student
Wed Oct 30, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 72
Views: 5590

Re: Uber VISA rewards cut

Although I understand the change, I would cancel if I had it. I think Wells Fargo Propel card is a better deal.
by student
Wed Oct 30, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4118

Re: California Fires: Landlord/Tenant Question

I think the fact that there is an infant involved matters. Please bear with my long screed. I have been a landlord for about 8 years now, and we have had multiple storm-related outages in that time here in the northeast US. Generally, we have suffered right along with our tenants for the 4, 6, or 8...
by student
Wed Oct 30, 2019 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus bonus: Timing of withdrawing funds
Replies: 30
Views: 2615

Re: Marcus bonus: Timing of withdrawing funds

Where do you intend to move the money to? Interest rate is trending downwards. Most major online banks have reduced the interest rate. Another bonus promo, of course! Do you want $500? Take advantage of this Simple Finance offer, per Doctor of Credit. It took me a few minutes to set up. But you mus...
by student
Wed Oct 30, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do I Have a Crummy Local Government Pension?
Replies: 51
Views: 4105

Re: Do I Have a Crummy Local Government Pension?

I think your pension is good. The only concern is whether your local government has the ability to pay in the future.
by student
Wed Oct 30, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Marcus bonus: Timing of withdrawing funds
Replies: 30
Views: 2615

Re: Marcus bonus: Timing of withdrawing funds

Where do you intend to move the money to? Interest rate is trending downwards. Most major online banks have reduced the interest rate.
by student
Tue Oct 29, 2019 10:19 am
Forum: Personal Finance (Not Investing)
Topic: My insurance rep has better street cred than yours
Replies: 8
Views: 1133

Re: My insurance rep has better street cred than yours

Maybe they will only cancel your policy if you can speak to him directly. :D
by student
Tue Oct 29, 2019 7:52 am
Forum: Personal Consumer Issues
Topic: Please advise re wiping laptop SSD before gifting
Replies: 25
Views: 2213

Re: Please advise re wiping laptop SSD before gifting

Student, Thanks for the article! I had a job where I took care of a bunch of PCs over 14 years. I could not afford a data loss; if you lose data, you lose your job...so all old drives went on the shelf. Over the years, I ran out of shelf space. The business had a machine shop, so I put the drives o...
by student
Tue Oct 29, 2019 7:10 am
Forum: Personal Consumer Issues
Topic: Please advise re wiping laptop SSD before gifting
Replies: 25
Views: 2213

Re: Please advise re wiping laptop SSD before gifting

The issue that makes SSD drives wipes different than with traditional spinning hard disks, is that the SSD disk controller avoids rewriting to the same memory location over and over, as much as possible. This greatly extends the life of the non-volatile memory that SSD is comprised of. So even if y...
by student
Tue Oct 29, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: Please advise re wiping laptop SSD before gifting
Replies: 25
Views: 2213

Re: Please advise re wiping laptop SSD before gifting

Perhaps the following will work. Step 1: Do a whole disk encryption using veracrypt. So data is secure. Step 2: Reinstall Windows fresh (as if you have lost the password for veracrypt). The issue that makes SSD drives wipes different than with traditional spinning hard disks, is that the SSD disk c...
by student
Mon Oct 28, 2019 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Tapping Retirement Savings to Purchase a House
Replies: 23
Views: 1789

Re: Tapping Retirement Savings to Purchase a House

drawpoker wrote:
Mon Oct 28, 2019 8:31 pm
Misenplace wrote:
Mon Oct 28, 2019 8:29 pm
Seems like A Very Bad Idea. ..................I would advise you to rent for a couple of years.
Agree 100%
Same.
by student
Mon Oct 28, 2019 8:01 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab Referral Bonus - Really Need to Keep for a Year?
Replies: 26
Views: 1731

Re: Charles Schwab Referral Bonus - Really Need to Keep for a Year?

I only keep $100 in my CS account and my bonus was not taken. I only put money in my CS account when I travel overseas and I want to be 100% reimbursed for all ATM transactions. CS definitely loses a lot of money on me but has never taken my bonus or closed my account, which actually surprises me a...
by student
Mon Oct 28, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: Please advise re wiping laptop SSD before gifting
Replies: 25
Views: 2213

Re: Please advise re wiping laptop SSD before gifting

Perhaps the following will work. Step 1: Do a whole disk encryption using veracrypt. So data is secure. Step 2: Reinstall Windows fresh (as if you have lost the password for veracrypt). The issue that makes SSD drives wipes different than with traditional spinning hard disks, is that the SSD disk c...
by student
Mon Oct 28, 2019 12:54 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab Referral Bonus - Really Need to Keep for a Year?
Replies: 26
Views: 1731

Re: Charles Schwab Referral Bonus - Really Need to Keep for a Year?

They can remove it if terms say 1 year. Whether they will remove it is unknown. If you ACH everything out, they might not even know about it. if you have to do an account transfer, they will know about it and may remove the bonus. Since it's cash, you can ACH. I just wanted to ACH most of it out --...
by student
Mon Oct 28, 2019 12:53 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab Referral Bonus - Really Need to Keep for a Year?
Replies: 26
Views: 1731

Re: Charles Schwab Referral Bonus - Really Need to Keep for a Year?

fabdog wrote:
Mon Oct 28, 2019 10:07 am
no reason to settle for .3% at Schwab... they have purchased money market solutions you can use.

If you leave your money in the default account the interest is very low

Mike
I agree. OP can buy CD from Schwab or he/she can buy money market fund.
by student
Mon Oct 28, 2019 7:12 am
Forum: Forum Issues and Administration
Topic: Why can’t some members receive PMs?
Replies: 9
Views: 916

Re: Why can’t some members receive PMs?

Could it be that the mailbox is full?
by student
Sun Oct 27, 2019 11:12 pm
Forum: Personal Investments
Topic: Best Single Entity for Investments + Cash + Banking
Replies: 39
Views: 3213

Re: Best Single Entity for Investments + Cash + Banking

Given your criteria, I think only regular banking groups have all your wants. Since you said banking needs, I assume all aspects including safe deposit box. Among the banking groups, I will have to go with BoA/ME due to preferred rewards.
by student
Sun Oct 27, 2019 11:07 pm
Forum: Personal Investments
Topic: Ways to avoid account transfer fees between brokerages?
Replies: 15
Views: 901

Re: Ways to avoid account transfer fees between brokerages?

I got a nice bonus to move that exceeded the closing fee, I just thought it was REALLY bad business that they charged anything. Especially when it's more of a punitive fee than an actual closing cost. If they charged say $6 or something for a processing fee, fine, but just under a hundred dollars? ...