Search found 3204 matches

by student
Sat Jun 15, 2019 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Collection agency destroyed my credit report
Replies: 20
Views: 3296

Re: Collection agency destroyed my credit report

I suggest you take a look at creditboards.com.
by student
Mon Jun 10, 2019 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Please critique my budget
Replies: 8
Views: 865

Re: Please critique my budget

You maxed out your 401k already and is saving 35% of take-home pay. Looks very good. The only question that I have is are you saving for your children's education?
by student
Sun Jun 09, 2019 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 141
Views: 8394

Re: Do you carry Umbrella Insurance?

If they have liability on their house, the insurance company will defend the homeowners in the event of a lawsuit. Tragic, but if the fence was in good working order and someone trespassed on property without an invitation, then hard to see what case they have. You have to think was the homeowner n...
by student
Sun Jun 09, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 141
Views: 8394

Re: Do you carry Umbrella Insurance?

Yes, we carry it. Can't help but wonder about a recent tragedy in the news. A 5-year old boy climbed a neighbors fence and drowned in their pool. From all appearances, the fence met code requirements for pools. Wonder if the owners will be sued. Also wonder if they have umbrella liability insurance...
by student
Sun Jun 09, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 141
Views: 8394

Re: Do you carry Umbrella Insurance?

Yes, we carry it. Can't help but wonder about a recent tragedy in the news. A 5-year old boy climbed a neighbors fence and drowned in their pool. From all appearances, the fence met code requirements for pools. Wonder if the owners will be sued. Also wonder if they have umbrella liability insurance...
by student
Sun Jun 09, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Credit Card - Signup Bonus Period
Replies: 7
Views: 1056

Re: Fidelity Credit Card - Signup Bonus Period

It’s my general purpose credit card. I’ve had the card for years and never received an offer code. :( That's the reason. You are already using it so there is no need for them to entice you. It seems that the offer is different for everyone and the bonus only kicks in when you spend above the averag...
by student
Sun Jun 09, 2019 5:44 am
Forum: Personal Investments
Topic: Having both Vanguard Target and TIAA-CREF Lifecycle funds
Replies: 16
Views: 1159

Re: Having both Vanguard Target and TIAA-CREF Lifecycle funds

Thanks for the replies. Student -- good point on potentially learning something by comparing the two. The Fees are: TIAA .1% Vanguard .09% https://www.tiaa.org/public/investment-performance/mutualfunds/profile?ticker=21066478 https://investor.vanguard.com/mutual-funds/profile/pe/fees/1669?dbOnly=fa...
by student
Sun Jun 09, 2019 5:36 am
Forum: Personal Investments
Topic: Having both Vanguard Target and TIAA-CREF Lifecycle funds
Replies: 16
Views: 1159

Re: Having both Vanguard Target and TIAA-CREF Lifecycle funds

Check the underlying funds in the TIAA lifecycle fund. TIAA has 2 lifecycle funds but only one uses index funds while the other lifecycle fund is loaded with TIAA actively managed funds. If yours is the index version it should say so in the name ... example TIAA Lifecyle Index 2045 or so. My wifes ...
by student
Sat Jun 08, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 18485

Re: Paying for rent is throwing away money...myth?

You have to evaluate your situation. I purchase my place almost 20 years ago after renting for about 4 years. It was a "cheap" place with the price that was 3 times my salary. I put 20% down and paid it off in about 16 years. I keep track of the cost of owning this place verse paying rent and I came...
by student
Sat Jun 08, 2019 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 141
Views: 8394

Re: Do you carry Umbrella Insurance?

Yes. I do.
by student
Sat Jun 08, 2019 8:03 pm
Forum: Personal Investments
Topic: brokered CDs from fidelity/vanguard, bank reputation?
Replies: 28
Views: 2228

Re: brokered CDs from fidelity/vanguard, bank reputation?

So many good posts already!!! When I pick between two banks offering the same rate at a brokerage firm, I consult https://www.bankrate.com/rates/safe-sou ... earch.aspx
by student
Sat Jun 08, 2019 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on fraudulent medical bill
Replies: 88
Views: 6070

Re: Suggestions on fraudulent medical bill

As I've seen before on this forum, a lot of people are saying to just pay it when, if it were anything but a medical bill, they would say to fight it. Auto body shops itemize and code with a byzantine and often nonsensical system that is not unlike hospitals. If a body shop falsely (intentionally o...
by student
Sat Jun 08, 2019 7:52 pm
Forum: Personal Investments
Topic: Having both Vanguard Target and TIAA-CREF Lifecycle funds
Replies: 16
Views: 1159

Re: Having both Vanguard Target and TIAA-CREF Lifecycle funds

Different target date funds may have different asset allocations. For example, I think Fidelity is quite aggressive and American Century is more conservative. Given the ER are similar, pick one that fits your asset allocation. There is nothing wrong with what you are doing, by investing in both. In ...
by student
Sat Jun 08, 2019 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: How to dramatically cut down housing cost?
Replies: 19
Views: 2915

Re: How to dramatically cut down housing cost?

Where do graduate students of Ohio State live? They don't party much and they need time to study. If you find am apartment with a lot of STEM graduate students, they may seldom be home as they will be working at the labs. That is a super creative way to think! The issue is that many graduate studen...
by student
Fri Jun 07, 2019 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to dramatically cut down housing cost?
Replies: 19
Views: 2915

Re: How to dramatically cut down housing cost?

Where do graduate students of Ohio State live? They don't party much and they need time to study. If you find am apartment with a lot of STEM graduate students, they may seldom be home as they will be working at the labs.
by student
Fri Jun 07, 2019 4:27 pm
Forum: Personal Investments
Topic: How is Merrill Edge?
Replies: 37
Views: 2412

Re: How is Merrill Edge?

Have used Edge, Schwab, TD, E-trade as well as several full service outfits. I don't want any significant difference between the discount brokers. Some have slight advantages over the others but they are slight and they are different. I agree. The only thing I do not like about Vanguard is no custo...
by student
Fri Jun 07, 2019 4:25 pm
Forum: Personal Investments
Topic: How is Merrill Edge?
Replies: 37
Views: 2412

Re: How is Merrill Edge?

I am in the 100k+ tier. On the surface it is fine but the little things are terrible. Low sweep rate, Monet market not available without hoops, makes you wait until account is settled on a sale before purchasing something new. And the banking part is awful. Against that is account bonus and credit ...
by student
Thu Jun 06, 2019 12:23 pm
Forum: Investing - Theory, News & General
Topic: What is the rationale for cash in your portfolio?
Replies: 36
Views: 2575

Re: What is the rationale for cash in your portfolio?

I do not have a dedicated emergency fund account. So I have 5% cash in my asset allocation.
by student
Thu Jun 06, 2019 7:04 am
Forum: Personal Consumer Issues
Topic: Best verizon mvno for little to no data.
Replies: 20
Views: 1469

Re: Best verizon mvno for little to no data.

If you use xfinity for tv or internet, try the mobile plan. It is free with 100mb of data. viewtopic.php?t=220754
by student
Thu Jun 06, 2019 5:45 am
Forum: Investing - Theory, News & General
Topic: Large cap tilt?
Replies: 9
Views: 570

Re: Large cap tilt?

Understood that total market has mostly large caps. When I say "large cap tilt" I mean more large caps compared to a total stock market fund. The TMI basically is identical to the SP500. The returns are within 0.1% of each other. Large cap tilt I guess would be something like the mega-cap index (MG...
by student
Thu Jun 06, 2019 5:30 am
Forum: Personal Finance (Not Investing)
Topic: Stuck in Fidelity 401K nightmare of a loop
Replies: 1
Views: 603

Re: Stuck in Fidelity 401K nightmare of a loop

There are a number of previous threads about this. See, for example, viewtopic.php?t=208897
by student
Thu Jun 06, 2019 5:23 am
Forum: Personal Investments
Topic: How would you invest a lump sum of 3 million dollars in today's market?
Replies: 50
Views: 5497

Re: How would you invest a lump sum of 3 million dollars in today's market?

Personally I would do a 40% total stock market, 20% total international, 40% fixed income. Moreover I would use ETF and I would call up Fidelity/Schwab/TD Ameritrade/Merrill Edge/Etrade to see what transfer bonus they would offer. I would likely use two brokerage firms. (There were discussions in ol...
by student
Wed Jun 05, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Any Mint Mobile customers here?
Replies: 27
Views: 1619

Re: Any Mint Mobile customers here?

Take a look at this $99 phone and 3 months of mint mobile. Today only. https://www.bhphotovideo.com/c/product/ ... phone.html
by student
Wed Jun 05, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital Software
Replies: 24
Views: 2103

Re: Personal Capital Software

I use Personal Capital but I do not let them access my accounts. I entered everything manually once and I update it on my schedule. That's a great idea. I'm trying to find where it allows you to enter in manually. Can you please help point me in the right direction. Thank you! Click link account, t...
by student
Wed Jun 05, 2019 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital Software
Replies: 24
Views: 2103

Re: Personal Capital Software

I use Personal Capital but I do not let them access my accounts. I entered everything manually once and I update it on my schedule.
by student
Wed Jun 05, 2019 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 315
Views: 21574

Re: Selling home- Demanding Buyer (Repairs)

Do have a question. Where can I get a little leverage here? Is there anything that prohibits me from taking back up offers at this time? Asked my agent and she never responded to it. She's been decent enough so far, but wish she'd push back harder.. I really want to put a little pressure on buyer a...
by student
Wed Jun 05, 2019 8:26 am
Forum: Personal Investments
Topic: How am I doing? (26yo)
Replies: 19
Views: 1810

Re: How am I doing? (26yo)

You are doing great.
by student
Wed Jun 05, 2019 5:34 am
Forum: Personal Finance (Not Investing)
Topic: Chase Credit Card - Binding arbitration opt-out?
Replies: 36
Views: 2723

Re: Chase Credit Card - Binding arbitration opt-out?

An article in The New York Times reports on the Chase arbitration notice. It also refers to a lawyer's opt-out letter template (one has to click on a Twitter link to see it). As for Chase closing an account if one opts out, wouldn't there be a provision in the email about that? I've always noticed ...
by student
Wed Jun 05, 2019 5:13 am
Forum: Personal Finance (Not Investing)
Topic: Should All Grandkids Be Treated as Equal Members of Same Class?
Replies: 104
Views: 8007

Re: Should All Grandkids Be Treated as Equal Members of Same Class?

Leesbro63 wrote:
Tue Jun 04, 2019 1:33 pm
straws46 wrote:
Tue Jun 04, 2019 12:16 pm
While my parents were alive I suggested they bring back primogeniture, but they would not have it.
I had to look up the word. Learned something new today!
Me too.
by student
Tue Jun 04, 2019 9:34 pm
Forum: Personal Consumer Issues
Topic: Are we downsizing too much?
Replies: 63
Views: 4684

Re: Are we downsizing too much?

What is the main reason for downsizing? Financial or too much upkeep, or both. Moving and adopting to a new environment is always tough. It seems rather pointless to downside to a 2500 sq ft home, so in order for it to be worthwhile to me, it has to drop to below 2000. I don't think you are downsizi...
by student
Tue Jun 04, 2019 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Is it Wise to Remove Escrow if Bank Allows it?
Replies: 87
Views: 5429

Re: Is it Wise to Remove Escrow if Bank Allows it?

I agree with others that you should remove it for the reasons that they gave.
by student
Tue Jun 04, 2019 4:11 pm
Forum: Personal Investments
Topic: Just Got a Call From Fidelity
Replies: 55
Views: 7648

Re: Just Got a Call From Fidelity

OP, did you call yet? What did they say? Reporting as promised on my call to Fidelity today. It went absolutely fine. No pressure. He did say one of his roles was to provide investment guidance, including retirement investing advice, and he asked if that is something that would interest me. I said ...
by student
Mon Jun 03, 2019 5:44 am
Forum: Personal Investments
Topic: Do I need a financial planner or investment advisor or just this forum?
Replies: 30
Views: 2920

Re: Do I need a financial planner or investment advisor or just this forum?

I do not think you need one at all. You may want to talk to a financial planner one time only, if it makes you feel better. If you are willing to manage the money yourself, start with a 3-fund portfolio; otherwise, just use one target date index fund at Vanguard or Fidelity.
by student
Mon Jun 03, 2019 5:34 am
Forum: Personal Investments
Topic: Can't do this alone-need a financial planner-please help!
Replies: 17
Views: 3212

Re: Can't do this alone-need a financial planner-please help!

I agree with others who said take some time to think about it. Give yourself 3 months to learn the basic, then decide what to do. For example, here are some ideas: 1) Transfer to Merrill Edge to get a transfer bonus and enroll in the preferred rewards, and use a 3-fund portfolio. 2) Transfer to Vang...
by student
Mon Jun 03, 2019 5:28 am
Forum: Personal Finance (Not Investing)
Topic: Laid off/Housing Advice
Replies: 30
Views: 3985

Re: Laid off/Housing Advice

Thanks again to everyone below for their responses re: healthcare. I actually recently found out I would qualify for Medicaid so that kind of solved the paying for insurance coverage problem. I have another issue I would like additional thoughts on. My lease is set to expire end of August and I was...
by student
Sun Jun 02, 2019 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off/Housing Advice
Replies: 30
Views: 3985

Re: Laid off/Housing Advice

Thanks for the update. I think month to month may be better in terms of renting your place.
by student
Sun Jun 02, 2019 10:20 pm
Forum: Investing - Theory, News & General
Topic: You May Never See Your Grandchildren Again
Replies: 83
Views: 13836

Re: You May Never See Your Grandchildren Again

lol. Too bad that advisor probably doesn't know who Rick Ferri is; otherwise it would be funny. I wonder whether the questionnaire asked about the attendees' profession.
by student
Sun Jun 02, 2019 8:42 am
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9762

Re: How did you all do in the month of May, 2019

UpperNwGuy wrote:
Sun Jun 02, 2019 7:47 am
student wrote:
Sun Jun 02, 2019 7:12 am
Down about 3% on a 62-48 portfolio.
62-48 portfolio?
Sorry. It is typo. I meant 62-38.
by student
Sun Jun 02, 2019 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Question on Plug-in Hybrid tax credit
Replies: 12
Views: 1124

Re: Question on Plug-in Hybrid tax credit

Update. I test drove a 2018 Honda Clarity today and I decided to pass. I really wanted the $7,500 tax rebate. The car does not have an EV button. From the information on the web, my understanding is that if I turn Sport and HV modes off and turn on Econ mode, I will be in EV Mode as long as there i...
by student
Sun Jun 02, 2019 7:12 am
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9762

Re: How did you all do in the month of May, 2019

Down about 3% on a 62-38 portfolio.

Edited to correct a typo.
by student
Sun Jun 02, 2019 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Transaction Fee
Replies: 8
Views: 662

Re: Foreign Transaction Fee

I have had the BOA Cash Rewards card for years, 3 percent fee. Leave for a 5 week trip out of the country on Tuesday, recently got the BOA Travel Rewards card (in addition to the Cash Rewards card also from BOA) which has zero foreign currency fee specifically for this trip. Plus they have a nice s...
by student
Sat Jun 01, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Plug-in Hybrid tax credit
Replies: 12
Views: 1124

Re: Question on Plug-in Hybrid tax credit

Update. I test drove a 2018 Honda Clarity today and I decided to pass. I really wanted the $7,500 tax rebate. The car does not have an EV button. From the information on the web, my understanding is that if I turn Sport and HV modes off and turn on Econ mode, I will be in EV Mode as long as there is...
by student
Sat Jun 01, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: Should I buy Euros from local bank or use ATM in Europe
Replies: 37
Views: 2127

Re: Should I buy Euros from local bank or use ATM in Europe

As others have suggested, use an ATM. I use Fidelity and Schwab. I also bring along 100 euros or so just in case.
by student
Sat Jun 01, 2019 6:18 am
Forum: Personal Consumer Issues
Topic: Consumer Cellular dropping calls
Replies: 12
Views: 928

Re: Consumer Cellular dropping calls

First I would determine whether the problem is with one phone or both phones. I would do a test that involves one phone with a landline and then the other phone with a landline to determine whether you have a defective product. (The chance of both being defective is lower.) My friend had a similar i...
by student
Sat Jun 01, 2019 5:52 am
Forum: Personal Consumer Issues
Topic: Central AC not Working Properly?
Replies: 37
Views: 2323

Re: Central AC not Working Properly?

Thanks for the update.
by student
Sat Jun 01, 2019 5:17 am
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 195
Views: 20327

Re: Wife hates new job...wants to quit after 1 day

How does she explain why she is looking for work...after 1 day at her new employer!? This was something we were struggling with. Perhaps your description of the actual working conditions varying so wildly from the conditions she was told to expect would suffice? It sounded pretty objective to me. U...
by student
Fri May 31, 2019 1:26 pm
Forum: Personal Investments
Topic: Just Got a Call From Fidelity
Replies: 55
Views: 7648

Re: Just Got a Call From Fidelity

There is no need to call back. It may or may not be a sales call. When I opened an account with Etrade, I also got a call thanking me and asked me whether I need any help.