Search found 2698 matches

by student
Thu Jan 17, 2019 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Newbie needing some advice - which other Vanguard funds
Replies: 7
Views: 480

Re: Newbie needing some advice - which other Vanguard funds

I think what you have is good for now. Some like to add an international index fund.
by student
Thu Jan 17, 2019 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 72
Views: 7279

Re: Have I Now Become Out of Touch Financially? Aging question...

Yes. You are out of touch. The entirety of SoCal is out of touch. Come visit the midwest or south and see how many people drive 100k-200k cars or live in million dollar houses. Heck, if I see a CPO Mercedes driving around it requires a double take. You would instantly become one of the flashiest pe...
by student
Wed Jan 16, 2019 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Ever encountered a toxic advisor? How did you handle it?
Replies: 25
Views: 2895

Re: Ever encountered a toxic advisor? How did you handle it?

What do use your advisor for? Is he/she actually helping you with anything? I guess I do not have enough money with TIAA to be eligible for a specific advisor. We have two largish TIAA accounts, and one of them still gets matches from employer, and what we have at TIAA balances our accounts at Vang...
by student
Wed Jan 16, 2019 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: stuck forever in alternative funds after tax loss harvesting?
Replies: 12
Views: 620

Re: stuck forever in alternative funds after tax loss harvesting?

For the future, if you don't want to risk being "stuck" then sell the TLH fund(s) in taxable and leave in cash. In tax-advantaged, sell bonds to buy the replacement funds you don't want to keep. In 30 days, sell in tax-advantaged and buy bonds, and buy back the original funds in taxable. That metho...
by student
Wed Jan 16, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle Fraud? But how? What now?
Replies: 32
Views: 3110

Re: Zelle Fraud? But how? What now?

UpperNwGuy wrote:
Wed Jan 16, 2019 3:11 pm
Excuse my ignorance, but what is Zelle?
It lets you pay other people by using money in your bank account. You do not need to know the payee' bank information as one can use phone number. https://www.zellepay.com/
by student
Wed Jan 16, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 163
Views: 8722

Re: Are You Dumping Netflix?

I am not.
by student
Wed Jan 16, 2019 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Ever encountered a toxic advisor? How did you handle it?
Replies: 25
Views: 2895

Re: Ever encountered a toxic advisor? How did you handle it?

What do use your advisor for? Is he/she actually helping you with anything? I guess I do not have enough money with TIAA to be eligible for a specific advisor.
by student
Wed Jan 16, 2019 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Question about co-signing mortgage beyond just mortgage liability
Replies: 13
Views: 828

Re: Question about co-signing mortgage beyond just mortgage liability

An outdoor oil tank leaks and contaminates the soil for years (or already has been). The feds come in and clean up the site. It cost $3M. Your mom will get the bill. Why would mom get the bill if she is not a co-owner of the property, not on the deed-- but simply co-signer for the mortgage? She is ...
by student
Tue Jan 15, 2019 11:02 am
Forum: Investing - Help with Personal Investments
Topic: TLH partner for Fidelity Total Stock Market Index fund
Replies: 23
Views: 1090

Re: TLH partner for Fidelity Total Stock Market Index fund

I'm piggy-backing this thread with a related question. I have ITOT (iShares Total Stock Market) ETF in my taxable account, I have identified a tax-loss harvest partner of IVV (ISHARES CORE S&P 500 ETF). In the (unlikely?) event I want/need another partner ... would it be advisable to use IWB (ISHAR...
by student
Mon Jan 14, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone received their 2019 CP01A (IP PIN) from IRS?
Replies: 21
Views: 2616

Re: Has anyone received their 2019 CP01A (IP PIN) from IRS?

student wrote:
Sat Jan 12, 2019 8:37 pm
USPS informed delivery says it is coming today but I did not receive it. Naturally, I am worry.
It arrived today.
by student
Mon Jan 14, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 141
Views: 14915

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

Yesterday I received an email from BoA that reads, in part, Beginning the week of January 14* you'll be able to choose the category where you want to earn 3% cash back2 in the Mobile Banking app3 or Online Banking. You'll also have more flexible redemption options. Best of all, you don't need to do...
by student
Sun Jan 13, 2019 8:11 am
Forum: Investing - Help with Personal Investments
Topic: New member - close to retirement, and looking to simplify
Replies: 9
Views: 872

Re: New member - close to retirement, and looking to simplify

50/50 is reasonable. I would allocate the entire "bond" position to TIAA Traditional. I would simplify the number of holdings. It is easy to do in tax advantaged accounts. For taxable, you may have to do it slowing due to tax consequences when you sell. You said you are heavy on stock right now. I d...
by student
Sat Jan 12, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone received their 2019 CP01A (IP PIN) from IRS?
Replies: 21
Views: 2616

Re: Has anyone received their 2019 CP01A (IP PIN) from IRS?

USPS informed delivery says it is coming today but I did not receive it. Naturally, I am worry.
by student
Fri Jan 11, 2019 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: HELP Wash Sale Idiot - Anything I can do?
Replies: 12
Views: 978

Re: HELP Wash Sale Idiot - Anything I can do?

Don't feel bad. I have done this in the past. I reported the wash sale and lost the tax loss forever. I don't think selling it would erase the mistake.
by student
Fri Jan 11, 2019 3:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 578
Views: 69170

Re: Post your Financial Milestone Announcements Here

Milestone reached for us this week: We wired the final college tuition bill to the graduate school today. We have had two children go through undergraduate and graduate school degrees at four universities from the fall semester 2011 to this final spring semester 2019. 8 years of paying tuition betw...
by student
Wed Jan 09, 2019 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13841

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

Annual wage income rose from $23k when I began working full-time in 1985 to $78k in 2000 before I switched to working part-time in 2001. Wage income varied between $30k and $55k between 2001 and 2008, when I retired at age 45. Average annual wage income was $52k. Total investment NW hit $1M in 2010...
by student
Wed Jan 09, 2019 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13841

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

Still have yet to make 100k. Made 2 commas in about 12 years total. - low cost state school had very little debt starting out - cheap rent & Invested vs buying a house - cheap cars & low cost hobbies / vacations (lots of outdoor pursuits) - no wedding / divorce / child expenses - used leverage juic...
by student
Wed Jan 09, 2019 8:13 am
Forum: Personal Finance (Not Investing)
Topic: FYI: Yodlee sells your anonymized data to hedge funds
Replies: 7
Views: 756

Re: FYI: Yodlee sells your anonymized data to hedge funds

This is one reason why I only manually input data to sites such as Personal Capital.
by student
Mon Jan 07, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: What does 1 million @Vanguard get you ?
Replies: 35
Views: 7031

Re: What does 1 million @Vanguard get you ?

At Fidelity, that gives you Private Client status. I thought they require 2 million. I think they got rid of Private Client status and now have private wealth management, which as you have stated, requires 2 million. I think those who are already have private client status continue to have the stat...
by student
Sun Jan 06, 2019 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Currency Conversion Fee for Credit Card usage abroad
Replies: 7
Views: 486

Re: Currency Conversion Fee for Credit Card usage abroad

Did you get a receipt to make sure that it was in local currency? If you want to use the use cash, get a Fidelity or Schwab ATM card since they reimbursed ATM fees.
by student
Sat Jan 05, 2019 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Useful investment app
Replies: 12
Views: 893

Re: Useful investment app

Personal Capital is free (assuming you dodge the sales pitches). It can connect to most banks and then do a lot of usuful things like Monte Carlo simulations on your retirement scenarios once it has all of your info. Hi sapper, do I have to link it with my other accounts to use the application or d...
by student
Wed Jan 02, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: Medical Travel Insurance Needed, for Seniors
Replies: 15
Views: 1168

Re: Medical Travel Insurance Needed, for Seniors

Perhaps you can take a look at geoblue.
by student
Wed Jan 02, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to online banking (Ally)
Replies: 35
Views: 1829

Re: Moving to online banking (Ally)

One thing that Ally has and Barclay's does not is 24/7 CS hours. Personally I do not have an account with Ally due to its policy of credit check when opening an account. Is the credit check a new requirement? My wife and I opened our Ally (checking and savings) accounts in/around 2014 and don't rec...
by student
Wed Jan 02, 2019 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Moving to online banking (Ally)
Replies: 35
Views: 1829

Re: Moving to online banking (Ally)

I have a regional commercial bank account for business that only commercial banks do and Barclay's Online Savings (APY 2.2%). Never used Ally. I wonder what attracts so many BHs to Ally since their Online Savings interest rate is often lower than others. One thing that Ally has and Barclay's does n...
by student
Wed Jan 02, 2019 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Moving to online banking (Ally)
Replies: 35
Views: 1829

Re: Moving to online banking (Ally)

I have a regional commercial bank account for business that only commercial banks do and Barclay's Online Savings (APY 2.2%). Never used Ally. I wonder what attracts so many BHs to Ally since their Online Savings interest rate is often lower than others. One thing that Ally has and Barclay's does n...
by student
Tue Jan 01, 2019 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Funds?
Replies: 5
Views: 972

Re: Target Retirement Funds

I think they are all good choices. Different funds use different asset allocation so make sure the one you pick fits your goal.
by student
Mon Dec 31, 2018 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Father-in-law denied apartment for lack of income even though he has assets. What to do?
Replies: 77
Views: 7601

Re: Father-in-law denied apartment for lack of income even though he has assets. What to do?

I think the OP has stated they have decided to move on. I don't understand posters who suggest complaining to fair housing or legal action. From the info that have been given, I do not see clear evidence that there are discrimination of a protected class. California is very tenant friendly so it is ...
by student
Sun Dec 30, 2018 6:37 pm
Forum: Investing - Theory, News & General
Topic: College Inflation rate?
Replies: 59
Views: 3473

Re: College Inflation rate?

My state university tuition is about $11,000 per year and the community college down the road is about $5,000. An inexpensive way for local area students is to do the first two years at the community college and take the next two years at our university. Students should live with parents for free ro...
by student
Sat Dec 29, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Military dentist -- portfolio review request (new to forum)
Replies: 11
Views: 1821

Re: Military dentist -- portfolio review request (new to forum)

I don't have much to contribute except that I don't think you should buy a house if you are only staying in a place for a few years. Moreover, I think you are set. You have a great COLA pension (100k+) and health care when you retire. My opinion is as long as you don't do something "stupid", you are...
by student
Sat Dec 29, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Adding an extra etf to portfolio?
Replies: 8
Views: 619

Re: Adding an extra etf to portfolio?

Although I don't think adding it to your portfolio will add benefits but I don't harm it will cost harm either. You are young so it is fine to treat this as a learning experience.
by student
Sat Dec 29, 2018 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Bills or Investing
Replies: 23
Views: 1403

Re: Bills or Investing

As others have said, pay off the high interest loans first. In any case, you are doing fine as you said all loans, except mortgage, will be paid off next year. Just continue to save.
by student
Fri Dec 28, 2018 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: TLH partner for Fidelity Total Stock Market Index fund
Replies: 23
Views: 1090

Re: TLH partner for Fidelity Total Stock Market Index fund

For some yes, for others no. Personally, I would not do it. I will use the following in the order of preference using ETF. S&P 500 VOO, Large-Cap VV, Mega Cap MGC. If you are willing to go outside of Vanguard, then Schwab Board Market SCHB. (Board market is not total market as it has no small cap.)...
by student
Fri Dec 28, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: TLH ITOT+IXUS -> URTH
Replies: 5
Views: 415

Re: TLH ITOT+IXUS -> URTH

I think so.
by student
Fri Dec 28, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Ameritrade
Replies: 10
Views: 338

Re: TLH Ameritrade

I think SPDW and VEU are not substantially identical, one has about three times as many holdings as the other. SPTM and VTI are both total market funds. Some view them substantially identical, some do not.
by student
Fri Dec 28, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: How much house can my daughter afford
Replies: 52
Views: 3690

Re: How much house can my daughter afford

My rule of thumb is 2.5x-3.0x of salary (cost of house, not mortgage). Of course this may not work in HCOL areas.
by student
Fri Dec 28, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: VOO to VTI in 2019
Replies: 7
Views: 431

Re: VOO to VTI in 2019

I think it is generally preferable to hold VTI over VOO. Do you pay commission every month to by VTI? This seems expensive.
by student
Fri Dec 28, 2018 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Are EFA and IEFA suitable TLH partners?
Replies: 7
Views: 350

Re: Are EFA and EAFE suitable TLH partners?

Is there a typo? I do not see a sticker EAFE on morningstar. EFA is ishare MSCI EAFE etf. :confused
by student
Fri Dec 28, 2018 6:51 am
Forum: Investing - Help with Personal Investments
Topic: TLH partner for Fidelity Total Stock Market Index fund
Replies: 23
Views: 1090

Re: TLH partner for Fidelity Total Stock Market Index fund

For some yes, for others no. Personally, I would not do it. I will use the following in the order of preference using ETF.

S&P 500 VOO, Large-Cap VV, Mega Cap MGC.

If you are willing to go outside of Vanguard, then Schwab Board Market SCHB. (Board market is not total market as it has no small cap.)
by student
Tue Dec 25, 2018 5:01 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2270
Views: 398133

Re: What are you up YTD? [Year To Date]

About -6.5%. AA was about 63/37 but now is 58/42.
by student
Tue Dec 18, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: TLH SCHB to VTI
Replies: 7
Views: 542

Re: TLH SCHB to VTI

I also think it is fine.
by student
Sun Dec 16, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting Question - Simple
Replies: 15
Views: 1188

Re: Tax Loss Harvesting Question - Simple

What would be considered an acceptable similar replacement fund (that wouldn't be considered a Wash Sale) to buy into for 31 days after I sell VXUS? Would Vanguard Total World (VT) work and not trigger a wash sale for Total International (VXUS)? In my opinion, this is not a wash sale but I am not a...
by student
Sun Dec 16, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contra Fund
Replies: 24
Views: 2097

Re: Fidelity Contra Fund

I used to own it but switched to an index fund.
by student
Sun Dec 16, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Lottery Tickets
Replies: 30
Views: 1672

Re: Lottery Tickets

I think it is fun to receive.
by student
Sun Dec 16, 2018 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Affordable Care Act and subsidies
Replies: 24
Views: 1789

Re: Affordable Care Act and subsidies

Can you delay SS?
by student
Sat Dec 15, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: SWTSX to SCHB wash sale??
Replies: 10
Views: 611

Re: SWTSX to SCHB wash sale??

I think they are not substantially identical. https://www.forbes.com/sites/rickferri/ ... 15fb192a4b
by student
Fri Dec 14, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Experian credit freeze
Replies: 13
Views: 1381

Re: Experian credit freeze

I basically gave up but after almost 3 months, I received a letter from Experian informing me that a security freeze has been placed.
by student
Fri Dec 14, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: ReFi...Yes or No
Replies: 16
Views: 1029

Re: ReFi...Yes or No

If you are getting a touch jittery after only 1 month, I'm not sure the rental game is for you. It takes as long as it takes to find the right tenant. One slip up with choosing the wrong person and you've wasted 6-8 months and untold thousands of dollars. Given that money is owed, this plan does pr...
by student
Wed Dec 12, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Lyft driver got into an accident, but denies it
Replies: 71
Views: 5743

Re: Lyft driver got into an accident, but denies it

Goal33 wrote:
Wed Dec 12, 2018 6:46 am
To those advocating for calling the police... they won't necessarily show up in this case.
Perhaps in this case, his phone log will show that he has called the police and the police may have a recording of this phone call. This may help him.
by student
Tue Dec 11, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Hyatt Legal Plan for Will and Trust
Replies: 48
Views: 2214

Re: Hyatt Legal Plan for Will and Trust

I have used this plan to set up a will and a trust. It seems ok.