Search found 4775 matches

by student
Sun May 31, 2020 10:22 pm
Forum: Personal Investments
Topic: Chase You Invest - "Invest and Forget"
Replies: 9
Views: 1043

Re: Chase You Invest - "Invest and Forget"

Two things One, Chase is charging a .35% management fee. Vanguarad is .30% Two, I'd check the Expense Ration of their funds and compare to others. Including whether any 12b-1 fees Chase charges that only if you use their "Portfolios" service. The standard You Invest product does not charge a manage...
by student
Sun May 31, 2020 10:22 pm
Forum: Personal Investments
Topic: Chase You Invest - "Invest and Forget"
Replies: 9
Views: 1043

Re: Chase You Invest - "Invest and Forget"

It seems that there are some misinformation here about You Invest. I have an account with them. There are no fees. You can buy most Vanguard Admiral Funds with no fees.
by student
Sun May 31, 2020 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Airline refusing to issue refunds
Replies: 145
Views: 12601

Re: Airline refusing to issue refunds

If they are not cancelling or changed it "sufficiently" enough, I do not know there is much you can do. See https://www.bogleheads.org/forum/viewtopic.php?f=11&t=309791 for a recent discussion. I cancelled two flights referring to the change they made as "significant" and cited the Department of Tr...
by student
Sat May 30, 2020 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: The risks of using account aggregators (how they access your accounts).
Replies: 31
Views: 2079

Re: The risks of using account aggregators (how they access your accounts).

Personally I would never give an aggregator passwords to my accounts. I use Personal Capital and I manually enter the holdings.
by student
Sat May 30, 2020 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 164
Views: 24016

Re: Chase Sapphire checking 1000$ offer

What a bank manager can do is to check rather you have met the requirement, and if there is a mistake, he/she can contact the appropriate person. I guess this is what the customer service representative has done for you already. The advantage of a branch manager is that there is one contact person....
by student
Sat May 30, 2020 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 164
Views: 24016

Re: Chase Sapphire checking 1000$ offer

I satisfied the terms of the offer yesterday, which was 90 days after I transferred over $75,000 in securities to a linked You Invest account. No bonus. I sent a secure message and got a reply that I hadn't deposited the requisite $75,000. I wrote back pointing out that I had (which I had also desc...
by student
Fri May 29, 2020 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 164
Views: 24016

Re: Chase Sapphire checking 1000$ offer

I satisfied the terms of the offer yesterday, which was 90 days after I transferred over $75,000 in securities to a linked You Invest account. No bonus. I sent a secure message and got a reply that I hadn't deposited the requisite $75,000. I wrote back pointing out that I had (which I had also desc...
by student
Fri May 29, 2020 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 591
Views: 151375

Re: Bank of America/Merrill Edge - Preferred Rewards

I've got a -19,500 Rewards points balance due to a cancelled trip refund. My $95 annual fee just posted and I'm not sure if I'll be doing any traveling in the near future. Does anyone know if the cash I've collected from rewards points will be clawed back if I close the card? Can you downgrade to t...
by student
Sat May 23, 2020 10:02 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1411
Views: 190469

Re: Tomorrow student debt free!

[Merged into the ongoing discussion -- moderator oldcomputerguy] It's been 13 years in the making, but tomorrow (5/13) I'm going to pull the trigger and make a lump sum payment to finish off my law school loans. I have 12.3k left. I had been on the fence about this for months, but after maxing out ...
by student
Fri May 22, 2020 3:22 pm
Forum: Personal Investments
Topic: TIAA traditional vs. Vanguard Total Market Bond index
Replies: 51
Views: 2598

Re: TIAA traditional vs. Vanguard Total Market Bond index

Back in March, I switched some and my newly acquired bond fund shares are up more than 5% while the TIAA TA is up about 0.3%. Let's just say that I enjoy 5% more than I enjoy 0.3%. Wow, that is just about the worst analysis imaginable from a long-time poster. You could have bought stocks in mid-Mar...
by student
Fri May 22, 2020 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 86
Views: 5827

Re: Employer cut 403b contribution to zero

I can think of several couples I know where one is more in the freewheeling entrepreneur category and the other is in a stable job with excellent benefits. Good synergy! As a family group, you get the best of both worlds. Yes. Several of my younger colleagues are using the same strategy. The husban...
by student
Fri May 22, 2020 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 86
Views: 5827

Re: Employer cut 403b contribution to zero

I hope the industry will use the current emergency to say goodbye to all of the 80 year old professors who haven't updated a syllabus or peeked into a lab in years or maybe decades, and who teach (grudgingly) one or two courses a year for full salary and benefits. What's the old saying about crisis...
by student
Thu May 21, 2020 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 86
Views: 5827

Re: Employer cut 403b contribution to zero

At the risk of going too far off topic of 403b matches, The Chronicle of Higher Education is tracking employees laid off or furloughed by college . The Chronicle has identified 162 institutions associated with a layoff, a furlough, or a contract nonrenewal resulting from Covid-19. At least 44,368 e...
by student
Thu May 21, 2020 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 86
Views: 5827

Re: Employer cut 403b contribution to zero

This article mentioned some rich universities are cutting their retirement contributions. https://www.insidehighered.com/news/202 ... tributions
by student
Thu May 21, 2020 7:35 am
Forum: Personal Consumer Issues
Topic: Remote teaching a 15 year old [about stocks]
Replies: 30
Views: 1267

Re: Remote teaching a 15 year old

If he likes youtube video, try https://www.youtube.com/channel/UCa-ckh ... YXKQ-BALiw He is very entertaining and he likes mutual funds and lives under his means. He earns tons of money but spends very little.
by student
Thu May 21, 2020 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 86
Views: 5827

Re: Employer cut 403b contribution to zero

It seems one way we can tell this financial crisis is different than those of the past - tenured professors at major universities are now being impacted. The Univ. of Michigan is projecting a $1,000,000,000 loss. That's Billion with a B. This is happening, as you have stated. For example, https://w...
by student
Wed May 20, 2020 6:59 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3988

Re: Dual citizen, USA passport expiring, how to travel internationally

There is generally no US government official looking at your passport when you depart the US. That is different from many other countries. I outlined some exceptions in a post earlier today, but current standard practice is no in person exit passport check. This is my experience too. No government ...
by student
Wed May 20, 2020 5:42 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13344

Re: Coronavirus Flight Cancel Thread

climber2020 wrote:
Wed May 20, 2020 7:53 am
If anyone is having difficulty getting Delta on the phone, call them at 3 AM. I did this back in March when the panic was at a maximum and got through immediately.
I think they have a special number handling refund. I tried 800-847-0578 a couple of weeks ago and no wait.
by student
Wed May 20, 2020 4:52 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3988

Re: Dual citizen, USA passport expiring, how to travel internationally

I think there is a way to do it without a US passport. You fly to Mexico and then enter the US by land using an enhanced driver's license if your state issues one, assuming that it is easier to get an enhanced driver license. https://www.us-passport-service-guide.c ... cense.html
by student
Tue May 19, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3441

Re: Sources for N95 masks

If I had to fly I would buy the seat next to mine to keep it empty and I'd bring enough extra disposable surgical masks with me that I could offer one to a nearby passenger who didn't have one and was willing to wear it. Those seem actionable. Does buying an extra seat with no one to check in for i...
by student
Tue May 19, 2020 5:11 pm
Forum: Investing - Theory, News & General
Topic: If you have access to TIAA-Traditional, should you own *any* bonds right now?
Replies: 14
Views: 944

Re: If you have access to TIAA-Traditional, should you own *any* bonds right now?

I cannot say whether you should own any bonds. However, I will mention my own situation. I do not like the fluctuation of a bond fund, so my fixed income portion comes almost exclusively from TIAA Traditional.
by student
Sat May 16, 2020 8:05 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 50833

Re: How Is Your Job Being Impacted By The Current Crisis?

My employer's primary competitor, who has their global office ~5 miles from ours and we are constantly competing with for talent, just made a big announcement (on ABC news) that they are giving all corporate employees the opportunity to WFH through the end of the year. This, just a week after my co...
by student
Thu May 14, 2020 8:24 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13344

Re: Delta Sky-nightmare

I'm not sure I understand. OP wants a refund, not a credit. Am assuming this was put on credit card, and seems like you've done everything under the sun to reach Delta, but getting nowhere/no response. Can you file a dispute with your credit card company to get your money back?? That's the route I'...
by student
Thu May 14, 2020 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 86
Views: 5827

Re: Employer cut 403b contribution to zero

d) something I am not thinking of. Look for another job? Might as well suggest winning the lottery or find a rich benefactor because those are just about as likely as finding a new job right now. So one shouldn't even bother looking? My university is currently furloughing and laying off employees i...
by student
Thu May 14, 2020 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 86
Views: 5827

Re: Employer cut 403b contribution to zero

I'd maintain what you are doing now and reevaluate if the match doesn't come back. It stings to lose that match. I'd rather lose the 10k match than lose any salary. If they have to cut deeper that's next. Anyone saying they wouldn't accept this and go find a new job is completely out of touch with ...
by student
Thu May 14, 2020 7:15 am
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10813

Re: Dentist charges $10 for PPE

Gloves can be turned inside out to be used again. Just kidding. This is actually a design and analysis algorithm problem that most cs students will see a variant of. The PG version is a surgeon and gloves. https://en.wikipedia.org/wiki/Glove_problem For example, one can put on two pairs of gloves w...
by student
Wed May 13, 2020 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Family member returning borrowed money?
Replies: 27
Views: 3070

Re: Family member returning borrowed money?

Steelersfan wrote:
Wed May 13, 2020 8:50 pm
From what I know, the money laundering list involves cash transactions, i.e. the green stuff. You're not dealing with cash so no issue.
This is my understanding as well. The government only wants to know where the money is coming from and there is no issue in OP's case.
by student
Wed May 13, 2020 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 86
Views: 5827

Re: Employer cut 403b contribution to zero

Hello Bogleheads. Today, my employer - a research-one university - announced that for the coming fiscal year, there would be no employer contributions to our 403b plans. My contribution has been close to 10k a year. I have maxed my own contributions for the last 14 years. I am 43 and think it very ...
by student
Wed May 13, 2020 7:55 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10813

Re: Dentist charges $10 for PPE

It is really interesting reading bogleheads, some posters are really nice and rich. Dentists charging extra $10 for PPE, no problem. Ordering food delivery service 30% tip. Buy extra gift certificates to support local business. Having said that, I would also pay the extra $10 because it is health re...
by student
Wed May 13, 2020 6:35 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55574

Re: How to get Toilet Paper ? seriously.

https://www.amazon.com/dp/B07ND3MW45?tag=cl03f-20&linkCode=ogi&th=1&psc=1&smid=ATVPDKIKX0DER In stock. Not anymore. But I suspect that or something else will be again soon. Things seem to go in and out of stock really quickly these days. Yes. You have to check often and buy as soon as you see it.
by student
Mon May 11, 2020 9:00 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55574

Re: How to get Toilet Paper ? seriously.

Woo hoo, made my first Costco run in a month, and this one was SO SO much better than the last one a month ago. No line at all this time vs a long 45-minute line last time. Stacks & stacks of TP this time vs no TP last time. I grabbed my one allowed package of TP, just on general principles. Of cou...
by student
Sun May 10, 2020 10:56 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55574

Re: How to get Toilet Paper ? seriously.

Availability of TP has been a serious issue here is SE Michigan. Me and DW are doing some serious isolation as we both are considered at risk, so not making shopping trips to any store. We have signed up for a grocery delivery service and have had our groceries delivered for last 6-7 weeks (working...
by student
Sun May 10, 2020 10:41 am
Forum: Personal Consumer Issues
Topic: Buying a used Jaguar
Replies: 40
Views: 2516

Re: Buying a used Jaguar

They paid $2k for it? Just drive it until something big goes wrong and then tow it down to the junk yard; they’ll get $500 or so for it as salvage. Take it to an independent shop for maintenance, not the dealer, and their risk is small and they get to drive a Jag around for awhile. Maximum exposure...
by student
Sun May 10, 2020 10:39 am
Forum: Personal Investments
Topic: Goal Reached - Now What?
Replies: 30
Views: 3348

Re: Goal Reached - Now What?

I don't have any suggestion but congratulations on reaching your goal and your success.
by student
Sat May 09, 2020 7:21 am
Forum: Personal Investments
Topic: TIAA SRA vs. GSRA
Replies: 8
Views: 542

Re: TIAA SRA vs. GSRA

Does anyone know the differences between the TIAA Savings Retirement Annuity (SRA) and the Group Savings Retirement Annuity (GSRA)? The only difference I could find is in the fixed period annuity options SRA is 2-30yrs and GSRA is 5-30yrs. Is this the only difference or am I missing something? The ...
by student
Sat May 09, 2020 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital: You Index vs Performance
Replies: 10
Views: 1096

Re: Personal Capital: You Index vs Performance

I manually enter my holdings. Actually, you don't even need to enter the precise numbers, you can divide everything by 2 or 5 or other numbers. You do this in Personal Capital or a spreadsheet? Anytime a dividend is paid and/or you buy/sell you manually input that? Personal Capital. It takes a coup...
by student
Fri May 08, 2020 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital: You Index vs Performance
Replies: 10
Views: 1096

Re: Personal Capital: You Index vs Performance

Personal Capital users.... aren't you required to provide your brokerage account info including passwords? If so, do you have any security concerns about this? Personal Capital appeals to me, but something tells me it isn't a good idea even though I realize the odds of something bad happening are n...
by student
Fri May 08, 2020 10:06 am
Forum: Personal Consumer Issues
Topic: iPad.. worth it?
Replies: 49
Views: 3078

Re: iPad.. worth it?

I like ipads. There is no need to get AppleCare, you already get 1 year from Apple and probably one additional year from your credit card. In my experience, an ipad can be used for 5 years or more before getting obsolete.
by student
Fri May 08, 2020 9:52 am
Forum: Personal Investments
Topic: Vanguard to Charles Schwab
Replies: 18
Views: 2070

Re: Vanguard to Charles Schwab

Get someone to refer you so that you can get a bonus. https://www.schwab.com/public/schwab/nn ... spect.html
by student
Tue May 05, 2020 8:26 am
Forum: Personal Investments
Topic: TIAA Cref Accumulation = Lifetime Income?
Replies: 27
Views: 1406

Re: TIAA Cref Accumulation = Lifetime Income?

Is TIAA a 457b plan? I didnt realize you can withdraw from a 457b plan without the typical 10% penalty like you would experience from a 401k. No ours isn’t. It’s a 403b. I work for the University of PA. Ok. Mine probably isnt either since I work at a university too. Many universities offer both 403...
by student
Tue May 05, 2020 7:39 am
Forum: Personal Investments
Topic: TIAA Cref Accumulation = Lifetime Income?
Replies: 27
Views: 1406

Re: TIAA Cref Accumulation = Lifetime Income?

Is TIAA a 457b plan? I didnt realize you can withdraw from a 457b plan without the typical 10% penalty like you would experience from a 401k. No ours isn’t. It’s a 403b. I work for the University of PA. Ok. Mine probably isnt either since I work at a university too. Many universities offer both 403...
by student
Sun May 03, 2020 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Closing Chase Bank Account
Replies: 11
Views: 1514

Re: Closing Chase Bank Account

My understanding is that they will send you a check or even do an ACH transfer to an account at another institution that you have set up.
by student
Sat May 02, 2020 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Possible cash withdrawal error by bank?
Replies: 37
Views: 1682

Re: Possible cash withdrawal error by bank?

Perhaps consider opening another account with lower balance where such an error would be more obvious. OP said here (https://www.bogleheads.org/forum/viewtopic.php?f=2&t=291781#p4777023) that he already has about ten accounts. What occurred here is the risk you run when instead of reconciling bank ...
by student
Fri May 01, 2020 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Is it safe to store financial statements in the cloud?
Replies: 48
Views: 3392

Re: Is it safe to store financial statements in the cloud?

As others have suggested, encrypt the documents first. I echo the suggestion of veracrypt.