Search found 1602 matches

by student
Sat Feb 17, 2018 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Open ended loan to a friend (promissory note question)
Replies: 2
Views: 339

Re: Open ended loan to a friend (promissory note question)

If you do not care whether you will be paid back, then just keep it simple and accept the promissory note that she gives you every month.
by student
Fri Feb 16, 2018 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: How to negotiate free trades with TDAmeritrade (?)
Replies: 17
Views: 689

Re: How to negotiate free trades with TDAmeritrade (?)

Do you trade often? You mentioned that you know about the free trades at Merrill Edge if the balance is sufficient. Is there anything at TDAmeritrade that is not available at ME that keeps you from moving there? Loss aversion? :) Been there for 20 years. Not a good reason, I get it. Perhaps loyalty...
by student
Fri Feb 16, 2018 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: How to negotiate free trades with TDAmeritrade (?)
Replies: 17
Views: 689

Re: How to negotiate free trades with TDAmeritrade (?)

Do you trade often? You mentioned that you know about the free trades at Merrill Edge if the balance is sufficient. Is there anything at TDAmeritrade that is not available at ME that keeps you from moving there?
by student
Fri Feb 16, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6494

Re: PSA: Bank of America now charges $12/month for checking

sunny_socal wrote:
Fri Feb 16, 2018 8:26 pm
Happy Ending! :beer

I called CS and it was surprisingly simple, not too many menus and wait time was short. They refunded $48 of fees! :D

I guess I'll be keeping $1500 in that checking account hereafter.
Thanks for updating.
by student
Fri Feb 16, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 78
Views: 10563

Re: Doctor wants Social Security number

We never provide our SS number when asked. We are on Medicare, but never use the Medicare number, only the insurance ID number on our insurance card from a Medicare Advantage policy. My wife declined to provide her SSN on new provider paperwork. The following month when the MD was going over her fi...
by student
Fri Feb 16, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Wheel alignment new tires
Replies: 15
Views: 667

Re: Wheel alignment new tires

Just a data point. For me, it is a no. (I did it once and it was not needed.)
by student
Fri Feb 16, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6494

Re: PSA: Bank of America now charges $12/month for checking

You think the money people deposit at a bank is doing nothing? The banks turn around and lend it to someone else immediately. I think something like 90% of bank deposits are loaned out regardless of the indicated 'balance.' The money isn't really there, the balance is more like a promise to pay you...
by student
Thu Feb 15, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth - How am I doing?
Replies: 14
Views: 2217

Re: Net Worth - How am I doing?

Much better than me when I was in your age. Take a look at this from Fidelity. It is just a rough guideline. Many on the board will argue that it is "meaningless" as one should look at multiple of expenses. They are correct. Nevertheless, from your question, I think you are only looking for a rough ...
by student
Thu Feb 15, 2018 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Friend with extremely high interest credit card debt
Replies: 20
Views: 1492

Re: Friend with extremely high interest credit card debt

As other have said, spending is the problem. For the question that you asked, I suggest you take a look at https://creditboards.com/forums/
by student
Wed Feb 14, 2018 10:54 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6494

Re: PSA: Bank of America now charges $12/month for checking

I moved an IRA to Merrill Edge a few years ago and got a $600 bonus. It’s all in VG ETFs. My balance there gets me Platinum Honors status at BOA and free everything, including foreign ATM fee reimbursement. It’s been a good deal for me. I like their online banking too. By "foreign," you meant non-B...
by student
Wed Feb 14, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6494

Re: PSA: Bank of America now charges $12/month for checking

I moved an IRA to Merrill Edge a few years ago and got a $600 bonus. It’s all in VG ETFs. My balance there gets me Platinum Honors status at BOA and free everything, including foreign ATM fee reimbursement. It’s been a good deal for me. I like their online banking too. By "foreign," you meant non-B...
by student
Sun Feb 11, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Statement & Receipt Clearing - Help!
Replies: 42
Views: 2224

Re: Credit Card Statement & Receipt Clearing - Help!

Just a data point. I do not check receipts against statements. However, I do log on to the accounts to do a quick check every now and then.
by student
Sun Feb 11, 2018 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Good companion card to Quicksilver?
Replies: 14
Views: 518

Re: Good companion card to Quicksilver?

Citi Double Cash. 2% Cash back unlimited. and the Fidelity Visa .. 2% back on everything. I use that one unless it's the grocery store, then it's the 6% AMEX Blue Cash Preferred, or gas, when it's the PenFed 5% gas card. I play the game for about $2200 a year in cash back. That's a good one too. Cu...
by student
Sun Feb 11, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Good companion card to Quicksilver?
Replies: 14
Views: 518

Re: Good companion card to Quicksilver?

Citi Double Cash. 2% Cash back unlimited.
by student
Sun Feb 11, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding Brokerage Transfer Fee [Merrill Edge]
Replies: 10
Views: 1133

Re: Avoiding Brokerage Transfer Fee [Merrill Edge]

I suggest that you ask the brokerage who you transfer the money to to reimburse you on the fee.
by student
Sun Feb 11, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: Best place to exchange dollars to euros?
Replies: 18
Views: 736

Re: Best place to exchange dollars to euros?

Use ATM. If you have Fidelity and Schwab, they reimburse the fees charged by the banks who own the ATMs.
by student
Sun Feb 11, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA/CREF questions
Replies: 6
Views: 694

Re: TIAA/CREF questions

1) Read https://www.tiaa.org/public/pdf/rev_inc_opt1.pdf 2) Post questions on morningstar.com TIAA board I've done some reading and then I tried to post on the morningstar.com board. Unfortunately the site won't let me create a "discuss" user name no matter what name I choose. So I'm posting my fur...
by student
Sat Feb 10, 2018 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to move to a lower paying career?
Replies: 53
Views: 4517

Re: Can I afford to move to a lower paying career?

With the extra info, I also suggest option 2 if your family is on board. The toughest part of a tenure-track job is probably research and getting external grants. Given that you said it is a smaller school, the emphasis is more likely on teaching. As long as you enjoy teaching, I think it would be a...
by student
Sat Feb 10, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to move to a lower paying career?
Replies: 53
Views: 4517

Re: Can I afford to move to a lower paying career?

What kind of position is it at the college? Is it a contract job? Very few people get their first tenure-track position this late in their career but they do happen.
by student
Sat Feb 10, 2018 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA/CREF questions
Replies: 6
Views: 694

Re: TIAA/CREF questions

TIAA-CREF offers many options. I suggest that 1) Read https://www.tiaa.org/public/pdf/rev_inc_opt1.pdf 2) Post questions on morningstar.com TIAA board 3) Meet with a TIAA-CREF representative 4) Double check with morningstar.com TIAA board 5) Post here again if you need help. I think the users at mor...
by student
Sat Feb 10, 2018 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: your assets - now verses end of year?
Replies: 38
Views: 2364

Re: your assets - now verses end of year?

OP is in the two comma club and lost a bit over $2k after the rough week the market had. Sounds like a pretty conservative portfolio. OP, doesn't sound like you need to watch or worry much. So, why...? You're fine. I think OP lost $2k when comparing portfolio value between the end of last year and ...
by student
Sat Feb 10, 2018 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: "Personal Capital" program
Replies: 14
Views: 1334

Re: "Personal Capital" program

I used PC but I do not link my accounts. I enter the info manually. I tried doing that, but when I signed up the very first screen (after registering my email address) demanded my account information. I couldn't figure out a way around it, so I just exited. I was twice contacted by a PC adviser ask...
by student
Sat Feb 10, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: "Personal Capital" program
Replies: 14
Views: 1334

Re: "Personal Capital" program

I used PC but I do not link my accounts. I enter the info manually.
by student
Sat Feb 10, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 92
Views: 10710

Re: T-Mobile promotion for 55+

Don't forget that they give out free stuff every Tuesday.
by student
Thu Feb 08, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Chase self-directed account
Replies: 12
Views: 614

Re: Chase self-directed account

If you like the perks, perhaps you can consider preferred rewards from Bank of America/Merrill Edge.

viewtopic.php?t=150033
by student
Wed Feb 07, 2018 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Helping Neighbors Manage Their Own Accounts
Replies: 15
Views: 1393

Re: Helping Neighbors Manage Their Own Accounts

Many here would probably suggest the 3-fund portfolio. I would let people who know more than me to give comments. My question is do you really what to give financial advice to your neighbors? If something goes wrong, their heirs may blame you. I think it is better if you gift them one of the boglehe...
by student
Wed Feb 07, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Xfinity mobile is burning through data
Replies: 17
Views: 1553

Re: Xfinity mobile is burning through data

Even though I’ve made no changes to phone settings or usage, things seem to have stabilized. Data usage meter in Xfinity mobile app hasn’t moved. Maybe the Xfinity mobile magic software behind the curtain needed a few days after sign up to figure it all out? Don’t know but glad it’s working well. T...
by student
Wed Feb 07, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: How to stop mail for former occupants?
Replies: 103
Views: 5785

Re: How to stop mail for former occupants?

Once after living here a year and not paying attention I opened the former person's mail and it was a financial document. Really, it has been a year and I was not really paying attention. I closed it back up and sent it back. The former owner sent me an email that was not so nice. I replied to them...
by student
Wed Feb 07, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: How to stop mail for former occupants?
Replies: 103
Views: 5785

Re: How to stop mail for former occupants?

The USPS doesn't care what you write on there and send back for them to handle. The just round file/recycle it. That's the best bet for OP as well. I am not sure that this is true. At work, I have seen mail returned to us and I believe including those as described. The USPS will return certain clas...
by student
Wed Feb 07, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: How to stop mail for former occupants?
Replies: 103
Views: 5785

Re: How to stop mail for former occupants?

The USPS doesn't care what you write on there and send back for them to handle. The just round file/recycle it. That's the best bet for OP as well. I am not sure that this is true. At work, I have seen mail returned to us and I believe including those as described. Maybe, but probably not with all ...
by student
Wed Feb 07, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: How to stop mail for former occupants?
Replies: 103
Views: 5785

Re: How to stop mail for former occupants?

chevca wrote:
Wed Feb 07, 2018 1:00 pm
The USPS doesn't care what you write on there and send back for them to handle. The just round file/recycle it. That's the best bet for OP as well.
I am not sure that this is true. At work, I have seen mail returned to us and I believe including those as described.
by student
Wed Feb 07, 2018 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Chase self-directed account
Replies: 12
Views: 614

Re: Chase self-directed account

You may find this useful together with the links given in the thread.

viewtopic.php?t=218644
by student
Wed Feb 07, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: How to stop mail for former occupants?
Replies: 103
Views: 5785

Re: How to stop mail from former occupants?

Maybe you can write "not reside at this address" and drop it in the mailbox. This is what I usually do.
by student
Wed Feb 07, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional
Replies: 8
Views: 348

Re: TIAA Traditional

Here is a data point. I essentially use TIAA Traditional as the fixed income portion of my asset allocation.
by student
Mon Feb 05, 2018 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 46429

Re: Today was a Really Bad Day

I'm either going to do Vanguard direct, or do Merrill Edge using Vanguard ETFs. I talk to Merrill Edge on Wednesday night. I may pay a couple of $6.95 trade fees to put the money to work, but there will be enough transferred so that future purchases will not incur fees. When you open a new account,...
by student
Mon Feb 05, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Xfinity mobile is burning through data
Replies: 17
Views: 1553

Re: Xfinity mobile is burning through data

When I leave my house, for some reason the phone will shut off WiFi. It doesn't warn me about it. It doesn't issue an alert. It just does it silently. This is normal. Your wifi is still on, it just have no network to connect to. It doesn't turn it on again when I return . This is not normal. It is ...
by student
Mon Feb 05, 2018 12:02 am
Forum: Investing - Help with Personal Investments
Topic: Scottrade (TD ameriTrade) vs Vanguard
Replies: 12
Views: 990

Re: Scottrade (TD ameriTrade) vs Vanguard

If you are looking for a good brokerage, any of the big one is fine. I would suggest you stay with TD Ameritrade for now, read up on investing and then make a decision.
by student
Sun Feb 04, 2018 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Two vastly different career considerations...Stability vs. Income
Replies: 67
Views: 4587

Re: Two vastly different career considerations...Stability vs. Income

Thanks for the update. I think you have made the right choice.
by student
Sun Feb 04, 2018 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Need to fix credit report
Replies: 5
Views: 375

Re: Need to fix credit report

You may want to post the question at this page. https://creditboards.com/forums/
by student
Sun Feb 04, 2018 11:56 pm
Forum: Personal Consumer Issues
Topic: Xfinity mobile is burning through data
Replies: 17
Views: 1553

Re: Xfinity mobile is burning through data

Did you check the data usage to compare with your usage? Did you make sure that the phone is not doing background updating if you are not on wifi. Here is some info about checking usage. https://www.xfinity.com/mobile/support/ ... data-usage
by student
Sun Feb 04, 2018 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Need some advice on my financial situation
Replies: 21
Views: 1368

Re: Need some advice on my financial situation

I started late in investing/saving, as until recently I was supporting 2 other siblings (they're just now wrapping up with college) because our parents aren't around. I feel like financially, I'm very late and behind everyone else. You are not late. At your age, I was a graduate student. Almost 25 ...
by student
Sun Feb 04, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 13313

Re: Financial Hole

I recommend asking specific questions about your credit card debt at https://creditboards.com/forums/
by student
Sun Feb 04, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13536

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

scdevon wrote:
Sun Feb 04, 2018 11:02 am
I think I can start drawing my 457b money at age 55 and only pay ordinary income tax on it, but I'm not 100% sure
It is my understanding that once you have separated from your employer, regardless of age, you may take money out of your 457b and only pay ordinary income tax on it.
by student
Sun Feb 04, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13536

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

Congratulations on the retirement. Since your expenses are covered, you only have to plan for unexpected future needs. Is there any possibility of getting married? I think you are fine unless you do something "crazy" with your investment. Staying 100% is not unreasonable.
by student
Sat Feb 03, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Worried about employer not paying all I am owed
Replies: 29
Views: 2508

Re: Worried about employer not paying all I am owed

Like others have already said, you should get a new job.
by student
Sat Feb 03, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Am I saving enough?
Replies: 34
Views: 3131

Re: Am I saving enough?

chrischris, 1) If you are laid off now, what will be the payout? 2) You are 32 years old now. IMHO, it is too risky to count the payout that you had not earned yet. If you want to count your pension, you should count whatever payout that you are vested for at this moment. KlangFool If I were laid o...
by student
Sat Feb 03, 2018 7:17 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 847
Views: 144546

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

drk wrote:
Sat Feb 03, 2018 5:32 pm
For those contemplating E*Trade, they added some new ETFs to their commission-free list yesterday, including ITOT (iShares Core S&P Total U.S. Stock Market) and IXUS (iShares Core MSCI Total International Stock Market) among others.
Thanks for the info.
by student
Sat Feb 03, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign accounts or assets
Replies: 3
Views: 276

Re: Foreign accounts or assets

No. It does not. This is for bank accounts or similar in a foreign country.