Search found 2512 matches

by student
Sun Oct 21, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Experian credit freeze
Replies: 3
Views: 271

Re: Experian credit freeze

HueyLD wrote:
Sun Oct 21, 2018 8:08 am
Pull a credit report from Experian and it will tell you if your credit is frozen.
Where would it say? I tried it a couple of days after I requested the freeze and I could not find it. I just downloaded a fresh copy and I do not see it. Maybe I am looking at the wrong place.
by student
Sun Oct 21, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: Fidelity and Blackrock employees sue over 401k plans
Replies: 10
Views: 1544

Re: Fidelity and Blackrock employees sue over 401k plans

My recollection is that the Fidelity lawsuit struck me as borderline frivolous. Fido offered all it's funds to employees, including it's low cost index funds. If employees (a large proportion of whom are educated/financial professionals), choose to invest in it's active funds, then I wouldn't say F...
by student
Sun Oct 21, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Experian credit freeze
Replies: 3
Views: 271

Experian credit freeze

A month ago I tried to take advantage of the free Experian credit freeze and went online to do a freeze. Due to my own error, I was not able to complete the process. So I called in and did it via the automated system. (It claimed that a freeze has been placed but I have no way of verifying it.) It s...
by student
Sat Oct 13, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Suit for Teenager
Replies: 18
Views: 1186

Re: Suit for Teenager

He is young and thin. I suggest Zara or H&M.
by student
Sat Oct 06, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA-CREF 401k Plan Servicing Fees?
Replies: 21
Views: 5212

Re: TIAA-CREF 401k Plan Servicing Fees?

TIAA charges a 1.1% plan servicing fee. Even the rep at TIAA said this was higher than they’ve ever seen and that I needed to follow up with our HR department. Has anyone had fees this high? Do you have a source for that? I've never seen or heard of anything like that with my plans. Me neither.
by student
Mon Oct 01, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Morgan Stanley to Merrill Edge?
Replies: 8
Views: 813

Re: Morgan Stanley to Merrill Edge?

ME is a a brokerage firm so most (if not all of your shares) should transfer. They pay you a bonus and most likely will reimburse the account closing fee, if you ask. The cost basis should transfer as well.
by student
Sat Sep 29, 2018 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Credit card charge- fraud or mistake?
Replies: 24
Views: 2362

Re: Credit card charge- fraud or mistake?

What I like to do is to set up email alert with my account that they will email me whenever there is a charge. With Chase, it is within a few seconds.
by student
Fri Sep 28, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: Friend got back to me after my advice
Replies: 18
Views: 3850

Re: Friend got back to me after my advice

I didn’t know what I was doing in my first 401k. Fortunately the plan had all of 3 funds. It had Stock fund, Bond fund, And Stable Value fund"". The choices were easy. My first 403b had all of 2 funds: stock and stable value. This was in the early 1980s and stocks had been stagnant for about 15 yea...
by student
Thu Sep 27, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Xfinity/Comcast set top box question
Replies: 7
Views: 515

Re: Xfinity/Comcast set top box question

I leave my on. However, every 3 or 4 months, I will have to reboot it as it becomes not responsive.
by student
Mon Sep 24, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: monitor when credit freeze thaws
Replies: 8
Views: 937

Re: monitor when credit freeze thaws

The real issue here is if you freeze, what if somehow it is thawed without your knowledge. The status does show on credit reports, so maybe if you have the credit monitoring services, maybe some of them would report a "change" on the credit report if thawed. Definitely on the credit report but not ...
by student
Sun Sep 23, 2018 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: What investment company does your employer use?
Replies: 21
Views: 1398

Re: What investment company does your employer use?

My university uses Fidelity and TIAA-CREF.
by student
Sun Sep 23, 2018 1:18 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16021

Re: Fidelity Full View transition to eMoney

Is this the same as the one that this article was talking about? https://www.kitces.com/blog/fidelity-ac ... thrown-in/
by student
Sun Sep 23, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 83
Views: 6364

Re: Emotional Investor - I'm a mess and need help!

I think you are a good candidate for buying a target fund.
by student
Sat Sep 22, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6517

Re: My Very First Smartphone — Please Critique This Plan

I agree with others that you probably do not need such a powerful phone to start. However, if you can afford it, then no issues.
by student
Sat Sep 22, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)
Replies: 36
Views: 2563

Re: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)

Usually electronic stuff. But some of the cheap stuff are not that good.
by student
Sat Sep 22, 2018 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Investing my first million
Replies: 46
Views: 7351

Re: Investing my first million

Congratulations. If you are smart enough to work at a such a place to make this kind of money, I think you are smart enough to manage your portfolio. I would suggest to start with a 3-fund portfolio using ETF's at a brokerage firm but pick one that gives you bonus for transferring the money. https:/...
by student
Sat Sep 22, 2018 7:36 am
Forum: Investing - Theory, News & General
Topic: Over 120 Vanguard funds go transaction free at E*trade
Replies: 15
Views: 1658

Re: Over 120 Vanguard funds go transaction free at E*trade

Hmmm... looks like you can get into some CLOSED funds by going through E*Trade. Hmm, I see Capital Opportunity and Dividend Growth. I have to think an error would pop up if you try to make a transaction though. Interesting. When I clicked on buy, it went to the usual page for me to fill in the info...
by student
Sat Sep 22, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: Fidelity cobrowser??
Replies: 34
Views: 2586

Re: Fidelity cobrowser??

I have not seen it.
by student
Sat Sep 22, 2018 7:27 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Similat to What Bond Fund
Replies: 9
Views: 782

Re: Stable Value Similat to What Bond Fund

As others have said, there is no equivalent. I use inflation linked bond as a substitute.
by student
Fri Sep 21, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16021

Re: Fidelity Full View transition to eMoney

Fullview (eMoney) seems to be behaving much better. Just logged in this morning and all the duplicate accounts are gone (from the Analysis section of their website). They added a reports tab. I am not saying it is 100% fixed (I still can't link my Barclay's account), but appears they have made sign...
by student
Fri Sep 21, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 144
Views: 16021

Re: Fidelity Full View transition to eMoney

Fullview (eMoney) seems to be behaving much better. Just logged in this morning and all the duplicate accounts are gone (from the Analysis section of their website). They added a reports tab. I am not saying it is 100% fixed (I still can't link my Barclay's account), but appears they have made sign...
by student
Wed Sep 19, 2018 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: 403b contribution timing
Replies: 6
Views: 394

Re: 403b contribution timing

You may be interested in https://www.bogleheads.org/forum/viewtopic.php?t=121974 and https://forum.mrmoneymustache.com/investor-alley/401k-max-contribution-and-timing-of-paychecks/ im reading mixed answers. I called my 403b plan administrator, fidelity, and they are saying since the money hit after...
by student
Wed Sep 19, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Traveling overseas .. credit cards? cash exchange?
Replies: 43
Views: 2794

Re: Traveling overseas .. credit cards? cash exchange?

If you have accounts with Fidelity or Schwab, get a debit card from them. No foreign transaction fee and they pay for fee charge by the ATM.
by student
Wed Sep 19, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 65
Views: 9859

Re: TIAA financial advisor?

"CFA"? Thats what the rep said but I'll find out more in a couple of days. Our meeting is tomorrow - so we can give you a summary if you're interested. (First time meeting with the TIAA "free" service.) Be wary - most free services come with a sales pitch. My experience with TIAA free consultations...
by student
Wed Sep 19, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Should I bother meeting with a Chase Private Client Rep
Replies: 56
Views: 4821

Re: Should I bother meeting with a Chase Private Client Rep

You can go if you want entertainment, I have gone to something similar.
by student
Wed Sep 19, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America credit card “feature” (be careful with autopay)
Replies: 45
Views: 2727

Re: Bank of America credit card “feature” (be careful with autopay)

You may find this article interesting. https://www.creditcards.com/credit-card-news/credit-balance-overpay-refund-1282.php I think there is another way to get your money back without talking to anybody. You do a cash advance but you need to make sure that you do not use the card for anything so you ...
by student
Tue Sep 18, 2018 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America credit card “feature” (be careful with autopay)
Replies: 45
Views: 2727

Re: Bank of America credit card “feature” (be careful with autopay)

Personally, I use auto pay very sparingly, and only for recurring exact amounts ( such as home mortgage, insurance premiums, etc). No auto pay for credit cards, utilities, etc for me - just too many ways for the process to get tripped up. Such as when I got an erroneous $2,000 water bill a couple o...
by student
Tue Sep 18, 2018 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Insurance asking to repay for services not provided
Replies: 20
Views: 2307

Re: Insurance asking to repay for services not provided

Thanks you all for your help. I wanted to give an update and ask for some more advice. I called my insurance company today and they told me that they actually will not try to collect the money from me but from the dentist. Of course I was happy about that but the person on the phone was only willin...
by student
Tue Sep 18, 2018 6:40 am
Forum: Personal Finance (Not Investing)
Topic: BofA - Am I Shadow-Loaning to Them?
Replies: 9
Views: 880

Re: BofA - Am I Shadow-Loaning to Them?

I paid my credit card yesterday via transfer and it was posted to the credit card as pending with yesterday as the transaction date.
by student
Tue Sep 18, 2018 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America credit card “feature” (be careful with autopay)
Replies: 45
Views: 2727

Re: Bank of America credit card “feature” (be careful with autopay)

Personally, I use auto pay very sparingly, and only for recurring exact amounts ( such as home mortgage, insurance premiums, etc). No auto pay for credit cards, utilities, etc for me - just too many ways for the process to get tripped up. Such as when I got an erroneous $2,000 water bill a couple o...
by student
Tue Sep 18, 2018 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America credit card “feature” (be careful with autopay)
Replies: 45
Views: 2727

Re: Bank of America credit card “feature” (be careful with autopay)

I agree that it will take a quick phone call to fix this. Even if you do not call, they will likely send you a check next month. I think it is due to some anti money laundering law.
by student
Mon Sep 17, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Engines and TIAA RE and SRA funds
Replies: 5
Views: 532

Re: Financial Engines and TIAA RE and SRA funds

It recognized TIAA RE and Traditional when I used it a few years ago. If you type TIAA Traditional and it does not recognize it now, I suggest using an inflation linked bond fund as a proxy. That's what I do when I use Personal Capital. Thanks, student. I will look for inflation linked bond-funds a...
by student
Mon Sep 17, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 130
Views: 18247

Re: Xfinity Mobile

Xfinity mobile users: Do you consider Xfinity hotspots secure? When I’m on public Wi-Fi, I make it a point to switch to cellular before logging into any secures sites. Is that an option on Xfinity mobile? I.e, can you force your phone to get data from cellular/Verizon even if you’re within range of...
by student
Mon Sep 17, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: are iPad Minis obsolete?
Replies: 28
Views: 3007

Re: are iPad Minis obsolete?

I like the mini. Good size but the processor is outdated. I keep waiting for them to release a new one so that I can upgrade but I don't think this will happen.
by student
Mon Sep 17, 2018 12:59 pm
Forum: Investing - Theory, News & General
Topic: Is there such thing as saving TOO much?
Replies: 78
Views: 6930

Re: Is there such thing as saving TOO much?

As others have noted, we need some numbers. In general, I would say save as much as possible but don't ``torture'' yourself. There are things that are more enjoyable to do as a younger person. So Far this year, I've saved roughly 26k...and I've made about 38k... Wow. This is impressive. It is ok if...
by student
Mon Sep 17, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Want to buy Home - But not sure!
Replies: 7
Views: 573

Re: Want to buy Home - But not sure!

If you are not sure about whether you will stay with your current employer, I recommend renting.
by student
Mon Sep 17, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 130
Views: 18247

Re: Xfinity Mobile

Can anyone who has used Xfinity Mobile Unlimited for months comment on the service in major cities? I'm in Chicago. Is it as good as Verizon or subpar compared to VZ? I understand they use VZ's towers but I'm always skeptical that these "rent" services are ever as good. Im on AT&T currently. Never ...
by student
Mon Sep 17, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: Is there such thing as saving TOO much?
Replies: 78
Views: 6930

Re: Is there such thing as saving TOO much?

As others have noted, we need some numbers. In general, I would say save as much as possible but don't ``torture'' yourself. There are things that are more enjoyable to do as a younger person.
by student
Sun Sep 16, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 12143

Re: Considering Quitting Job - Seeking Advice. Would you do it?

I don’t know that you are ready to walk away but I am going to tell you a little story that may give you some perspective. About Christmas time last year my DW’S grandmother passed away. She was an interesting woman with a tremendous amount of witty things to say. I remember seeing her in the caske...
by student
Sun Sep 16, 2018 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 42
Views: 5883

Re: Thinking of Retiring at 52, Please Critique Plan

You should consider SSDI. You have paid into the system. So you should use it when you are in need of it.
by student
Sun Sep 16, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 42
Views: 5883

Re: Thinking of Retiring at 52, Please Critique Plan

I would also hesitate to retire. Most expenses can be controlled but I am very concern about health care expense as ACA may or may not be affordable in the future. The job market is good. It may be wise to look for another lower paid job with benefit. I would not worry about college cost. You have m...
by student
Sun Sep 16, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me assess condo purchase and overall finances
Replies: 22
Views: 1256

Re: Please help me assess condo purchase and overall finances

No need to worry. What you have is a reasonable enough plan.
by student
Sun Sep 16, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Embarking on a large-scale home update
Replies: 26
Views: 1384

Re: Embarking on a large-scale home update

Although I have never done a remodeling, I expect it to be stressful. So if money is not an issue, I would say do everything at one go.
by student
Sun Sep 16, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me assess condo purchase and overall finances
Replies: 22
Views: 1256

Re: Please help me assess condo purchase and overall finances

If your job is stable, you are fine having a mortgage 3x your salary although I would say it reaches the limit (not including buying at VHCOL areas). I would say you should do a 20% down mortgage. It maybe a little tight at the beginning but given that this is a condo, there should be no surprises f...
by student
Sun Sep 16, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 12143

Re: Considering Quitting Job - Seeking Advice. Would you do it?

Now that you have posted the numbers, please retire and enjoy life.