Search found 2055 matches

by student
Wed Jun 20, 2018 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Fund Help with TIAA-CREF
Replies: 4
Views: 326

Re: Retirement Fund Help with TIAA-CREF

I think you should first determine your asset allocation. For domestic equities, I would use TIAA Access Equity Index at 0.15% ER. For international equities, I would use TIAA Access International Index at 0.16% ER. For fixed income, I would use a combination of TIAA Access Bond Index at 0.22% ER an...
by student
Wed Jun 20, 2018 6:31 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Fund Yield reached 1.99% today
Replies: 12
Views: 2555

Re: Vanguard Prime Fund Yield reached 1.99% today

Thanks for the info. The question I have is how much more will the rate be more than an FDIC insured account in order for someone to consider switching. To me, it is at least 0.5%. How did you compute the 0.5% figure? Why not 0.3% or perhaps a higher figure? I plan to keep up to $50,000 in such a s...
by student
Wed Jun 20, 2018 5:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Fund Yield reached 1.99% today
Replies: 12
Views: 2555

Re: Vanguard Prime Fund Yield reached 1.99% today

Thanks for the info. The question I have is how much more will the rate be more than an FDIC insured account in order for someone to consider switching. To me, it is at least 0.5%.
by student
Tue Jun 19, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: Expanded commission-free ETFs at Etrade
Replies: 11
Views: 610

Re: Expanded commission-free ETFs at Etrade

Thanks for the info. I did not receive an email from etrade on this news.
by student
Tue Jun 19, 2018 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Messy Divorce -- Forensic Accounting Help....
Replies: 120
Views: 9526

Re: Messy Divorce -- Forensic Accounting Help....

I can empathize with your situation. My first wife ran off with my best friend. I never met the guy, but he was the best friend I ever had. :happy Thanks for the LOL. Can I steal this? Yes, please feel free to use the story above. It's not true, nor was it intended to be. However, there is a true s...
by student
Tue Jun 19, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: How to prioritize 457, Roth/Regular 403 b and Roth IRA
Replies: 8
Views: 646

Re: How to prioritize 457, Roth/Regular 403 b and Roth IRA

Is your 457 governmental? This is important. It is not clear from your post whether you will be at a public school. You said that there is no match on your contribution. Will you have a pension when your retire? If so, is it well funded? Yes, I'm at a public school so the 457 should be governmental...
by student
Mon Jun 18, 2018 5:41 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Independent Franchise
Replies: 25
Views: 1698

Re: Schwab Independent Franchise

Check this Schwab brokerage listing: https://www.schwab.com/public/schwab/nn/branch-locator/branches_abc.html A franchised location seem to be called an "independent branch." I noticed that also. I checked out a few of them and I was not impressed with the credentials of the owners. I then checked ...
by student
Mon Jun 18, 2018 5:06 am
Forum: Investing - Help with Personal Investments
Topic: How to prioritize 457, Roth/Regular 403 b and Roth IRA
Replies: 8
Views: 646

Re: How to prioritize 457, Roth/Regular 403 b and Roth IRA

Is your 457 governmental? This is important. It is not clear from your post whether you will be at a public school. You said that there is no match on your contribution. Will you have a pension when your retire? If so, is it well funded?
by student
Sun Jun 17, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Lost job. Take early SS or draw from accounts?
Replies: 54
Views: 5783

Re: Lost job. Take early SS or draw from accounts?

She does want help, but not in reducing expenses. When I found out she pays $80/mo for her cell, I suggested she switch to a low cost provider (we pay $15/mo for unlimited talk and text and 2 GBs of data), but she can't because she's under contract because she purchased her phone as part of the con...
by student
Sun Jun 17, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Italy Trip Questions
Replies: 33
Views: 1812

Re: Italy Trip Questions

What time do you plan to go? Prices in winter is much better.
by student
Sun Jun 17, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Can we afford to drop our 401k contributions to pay for college?
Replies: 17
Views: 1978

Re: Can we afford to drop our 401k contributions to pay for college?

Just wondering why you are leaving your teaching position? I am also wondering whether you are teaching at a college as some colleges have some sort of tuition waivers. It seems risky to leave it to do some side gigs. Not college, high school. It wasn't voluntary. My contract wasn't renewed. My dis...
by student
Sun Jun 17, 2018 5:20 am
Forum: Investing - Help with Personal Investments
Topic: Can we afford to drop our 401k contributions to pay for college?
Replies: 17
Views: 1978

Re: Can we afford to drop our 401k contributions to pay for college?

Just wondering why you are leaving your teaching position? I am also wondering whether you are teaching at a college as some colleges have some sort of tuition waivers. It seems risky to leave it to do some side gigs.
by student
Sun Jun 17, 2018 5:11 am
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 38
Views: 3343

Re: Do you cancel old credit cards?

I generally keep them especially if they have a long history.
by student
Sun Jun 17, 2018 5:08 am
Forum: Investing - Help with Personal Investments
Topic: Retooling Portfolio After Job Change
Replies: 4
Views: 410

Re: Retooling Portfolio After Job Change

Personally, I would keep the old 401k unless the funds become expensive. The only reason I would do this if I like spreading my money in two places. Option B is fine too. I definitely would not do Option C because of creditors protection of 401k is better than IRA. https://www.irahelp.com/slottrepor...
by student
Sat Jun 16, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Contractor - Threatening Lien/Lawsuit
Replies: 43
Views: 3485

Re: Contractor - Threatening Lien/Lawsuit

Time to contact your local tv stations if they have segments that feature such stories in the news.
by student
Fri Jun 15, 2018 5:21 am
Forum: Investing - Help with Personal Investments
Topic: Contribute to both 403(b) and 457(b)?
Replies: 60
Views: 2866

Re: Contribute to both 403(b) and 457(b)?

I think the most important question is whether you have a governmental or non-governmental 457b. I would not want to be involved with a non-governmental one. As for regular version or Roth version, I would probably do half and half. Thank you @student for sharing that suggestion - i will think thro...
by student
Fri Jun 15, 2018 5:15 am
Forum: Investing - Help with Personal Investments
Topic: 28 with a wife and new baby
Replies: 31
Views: 2064

Re: 28 with a wife and new baby

Nate79 wrote:
Fri Jun 15, 2018 12:42 am
Does your University job not offer some sort of benefit to your child for free tuition?
+1. I was about to ask the same thing. Mine offers almost free tuition although only a few of my colleagues took advantage of it.
by student
Thu Jun 14, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute to both 403(b) and 457(b)?
Replies: 60
Views: 2866

Re: Contribute to both 403(b) and 457(b)?

I think the most important question is whether you have a governmental or non-governmental 457b. I would not want to be involved with a non-governmental one. As for regular version or Roth version, I would probably do half and half.
by student
Thu Jun 14, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Preferred Services?
Replies: 19
Views: 1674

Re: Fidelity Preferred Services?

Do you hold any Fidelity fund? The page that I saw says $1M total and $250k with Fidelity. I do, a small holding in FSTVX (Fidelity Total Market Index Fund Premium Class). To clarify, all of the Vanguard ETFs that I own are held at Fidelity and therefore count towards Private Client status. So Priv...
by student
Thu Jun 14, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Preferred Services?
Replies: 19
Views: 1674

Re: Fidelity Preferred Services?

Chip wrote:
Thu Jun 14, 2018 8:17 am
Maybe I'm being downgraded in Fidelity's system for buying Vanguard ETFs. :D
Do you hold any Fidelity fund? The page that I saw says $1M total and $250k with Fidelity.
by student
Thu Jun 14, 2018 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my TIAA traditional options
Replies: 2
Views: 235

Re: Thoughts on my TIAA traditional options

Just a data point, I use TIAA Traditional almost exclusively as fixed income. It is interesting that you have a version with 3% minimum rate and only a 7-year holding period. I am aware of 3% min and 10-year (9 years and a month) holding period.
by student
Thu Jun 14, 2018 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 118
Views: 9348

Re: Timeshare ever worth it? Please share details

I agree with others who said that it is not worth it.
by student
Thu Jun 14, 2018 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Preferred Services?
Replies: 19
Views: 1674

Re: Fidelity Preferred Services?

I vaguely remember reading somewhere that Fidelity no longer offers preferred services or premium services to new clients. I am not able to find anything on these two tiers on its website. I did find the following via google but I do not know whether the info is current. https://workplacecontent.fid...
by student
Thu Jun 14, 2018 6:03 am
Forum: Investing - Help with Personal Investments
Topic: What do brokerages get out of incentives?
Replies: 7
Views: 681

Re: What do brokerages get out of incentives?

I think they are just trying to increase the customer base and remain competitive. The incentive game is probably not as good as before. I think Fidelity has stopped offering cash incentives publicly.
by student
Wed Jun 13, 2018 5:55 am
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4348

Re: Water heater installation situation

Did the plumbers comment on whether they have seen this setup before and whether they have anybody to recommend to remove the object? I guess business must be good if they pass up clients.
by student
Wed Jun 13, 2018 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Help with New Retirement Plan Option
Replies: 4
Views: 481

Re: Help with New Retirement Plan Option

My understanding is that any limitation is applied to your regular 401k and Roth 401k as one-unit. So you can contribute $18,500 (assuming there is no other limits) to regular 401k or Roth 401k. You can also contribute partly to regular 401k and partly to Roth 401k as long as the total does not exce...
by student
Tue Jun 12, 2018 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Services
Replies: 45
Views: 3182

Re: Vanguard Advisor Services

Nate79 wrote:
Tue Jun 12, 2018 5:27 pm
It's mostly a ripoff. You only need to have half a brain and can figure it out for yourself after seeing what they have (and haven't done) over the last few years. Just do the same. Or buy Vanguard all in one funds (Lifestrategy or Target date funds).
+1
by student
Mon Jun 11, 2018 5:39 am
Forum: Investing - Help with Personal Investments
Topic: Move 403(b) from TIAA to Fidelity?
Replies: 5
Views: 568

Re: Move 403(b) from TIAA to Fidelity?

I see that you have TIAA institutional class international equity. Do you have any other TIAA institutional class index funds. They are about as cheap as Fidelity. Personally I use TIAA Traditional almost exclusively as my fixed income. Some people like TIAA Real Estate. Morningstar TIAA forum has a...
by student
Sat Jun 09, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Another home thread: 2mil / 40K in taxes
Replies: 59
Views: 5355

Re: Another home thread: 2mil / 40K in taxes

These numbers are way way beyond my reach. If someone come along with a combined income in the range of $80k to $130k with the possibility of dropping it down to the range of $60k to $110k. With $100k in savings and wants a house in the range of $150k to $200k, I would say there is no problem buyin...
by student
Sat Jun 09, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Another home thread: 2mil / 40K in taxes
Replies: 59
Views: 5355

Re: Another home thread: 2mil / 40K in taxes

These numbers are way way beyond my reach. If someone come along with a combined income in the range of $80k to $130k with the possibility of dropping it down to the range of $60k to $110k. With $100k in savings and wants a house in the range of $150k to $200k, I would say there is no problem buying...
by student
Sat Jun 09, 2018 6:27 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation 53 years old
Replies: 21
Views: 1718

Re: Asset Allocation 53 years old

It really depends on your risk tolerance. 80-20 is a bit too aggressive for me but it may be appropriate for you. For example, Vanguard's target date retirement fund for your age has about 78% in equities. https://investor.vanguard.com/mutual-fu ... rview/0305
by student
Fri Jun 08, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: questions about TIAA traditional fund in 401K
Replies: 9
Views: 334

Re: questions about TIAA traditional fund in 401K

TIAA Traditional can be viewed as a stable value fund. I use TIAA Traditional almost exclusively as my fixed income allocation. I guess you have the Retirement Choice Plus version.
by student
Fri Jun 08, 2018 5:57 am
Forum: Personal Finance (Not Investing)
Topic: Stuck in Quicksand (Guidance Appreciated)
Replies: 46
Views: 3347

Re: Stuck in Quicksand (Guidance Appreciated)

Just thought of something that might fit your current expertise and career goal since yo do not mind going back to school. Since you are a CPA, you may want to consider getting additional education required to be an accounting professor. The job market is very good. When you hear about bad job marke...
by student
Fri Jun 08, 2018 5:40 am
Forum: Investing - Help with Personal Investments
Topic: Should i continue my investments even with low savings?
Replies: 5
Views: 806

Re: Should i continue my investments even with low savings?

I see that you are a new user. It is possible that your username is your real name, if so, take a look at https://www.bogleheads.org/forum/viewtopic.php?f=3&t=190670 Now to you question. Are you going to stay in school in the next few years? If so, who is paying for the cost and living expenses? If ...
by student
Thu Jun 07, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Stuck in Quicksand (Guidance Appreciated)
Replies: 46
Views: 3347

Re: Stuck in Quicksand (Guidance Appreciated)

Maybe I miss it but what is your background and expertise? How much do you earn now and what is your expense? If your employer give you a $150,000 salary, would you still looking for a new job? I am trying to see whether money or job satisfaction is the main issue. Sorry Student for not being clear...
by student
Thu Jun 07, 2018 9:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's own 401k plan eliminating S&P 500 Index option!
Replies: 86
Views: 7487

Re: Vanguard's own 401k plan eliminating S&P 500 Index option!

Personally, as long as total market index is there, it is unimportant whether S&P 500 is there.
by student
Thu Jun 07, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Stuck in Quicksand (Guidance Appreciated)
Replies: 46
Views: 3347

Re: Stuck in Quicksand (Guidance Appreciated)

Maybe I miss it but what is your background and expertise? How much do you earn now and what is your expense? If your employer give you a $150,000 salary, would you still looking for a new job? I am trying to see whether money or job satisfaction is the main issue. Sorry Student for not being clear...
by student
Thu Jun 07, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Stuck in Quicksand (Guidance Appreciated)
Replies: 46
Views: 3347

Re: Stuck in Quicksand (Guidance Appreciated)

Maybe I miss it but what is your background and expertise? How much do you earn now and what is your expense? If your employer give you a $150,000 salary, would you still looking for a new job? I am trying to see whether money or job satisfaction is the main issue.
by student
Thu Jun 07, 2018 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio help: starting from scratch with cash
Replies: 8
Views: 968

Re: Portfolio help: starting from scratch with cash

My 403b also has Fidelity and TIAA-CREF as vendor. For over 20 years, I have been splitting my money between the two. Since you have cheap institutional mutual funds, Fidelity and TIAA-CREF are almost interchangeable in terms of cost. I prefer using TIAA Traditional as my fixed income. For TIAA Tra...
by student
Thu Jun 07, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: Will the real MSCI EAFE index please stand up?
Replies: 13
Views: 627

Re: Will the real MSCI EAFE index please stand up?

It seems that one says net returns and one says gross returns.

Edit: Too late.
by student
Thu Jun 07, 2018 12:34 pm
Forum: Investing - Theory, News & General
Topic: Indexing will fail investors in next decade
Replies: 57
Views: 8846

Re: Indexing will fail investors in next decade

Invest in value stocks rather than growth stocks or, even better, go long value and short growth (using ETFs). Value has underperformed growth for years but often does better in a rising interest rate environment like now (at least in the U.S.). Of all the strange things in this article, this might...
by student
Thu Jun 07, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17518

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

Yep, that is totally a contributor to the student loan crisis and those millions of kids/parents paying sticker are partially subsidizing those of us who didn't; which in all honesty, I am not too comfortable with. Is that how it really works? I thought that grants and scholarships come out of endo...
by student
Wed Jun 06, 2018 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Income investments too conservative?
Replies: 59
Views: 3703

Re: Fixed Income investments too conservative?

Sandtrap wrote:
Wed Jun 06, 2018 10:25 pm
VBTLX (total bond) is enough.
Look for your returns on the equity side.

aloha
j
+1.
by student
Wed Jun 06, 2018 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Need thoughts retirement plan with a possibly unfortunate wrinkle
Replies: 14
Views: 2748

Re: Need thoughts retirement plan with a possibly unfortunate wrinkle

Like others have said, you asset allocation is aggressive. You have already responded that you are prepared to dial it down. You mentioned graduate school and part time teaching job before getting a full time position. Are you teaching at a university? If so, I assume that you have tenure. In this c...
by student
Wed Jun 06, 2018 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Stick to the Plan... or Kick the Can? (Time to Rebalance)
Replies: 24
Views: 1576

Re: Stick to the Plan... or Kick the Can? (Time to Rebalance)

I also do not like bond funds in general. It is too volatile, as fixed income, for my taste. So I use a stable value fund.
by student
Wed Jun 06, 2018 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio help: starting from scratch with cash
Replies: 8
Views: 968

Re: Portfolio help: starting from scratch with cash

My 403b also has Fidelity and TIAA-CREF as vendor. For over 20 years, I have been splitting my money between the two. Since you have cheap institutional mutual funds, Fidelity and TIAA-CREF are almost interchangeable in terms of cost. I prefer using TIAA Traditional as my fixed income. For TIAA Trad...
by student
Wed Jun 06, 2018 5:55 am
Forum: Investing - Help with Personal Investments
Topic: Charles Schwab Fees Brokerage Account
Replies: 7
Views: 686

Re: Charles Schwab Fees Brokerage Account

There is normally a $1000 minimum on the brokerage account. If you open the brokerage account with the checking account, then there is no minimum balance required. You are right. https://www.schwab.com/public/schwab/investing/accounts_products/accounts/brokerage_account footnote 5. "The $1,000 mini...
by student
Wed Jun 06, 2018 5:36 am
Forum: Investing - Help with Personal Investments
Topic: Charles Schwab Fees Brokerage Account
Replies: 7
Views: 686

Re: Charles Schwab Fees Brokerage Account

There is no monthly charge, but they do require you to keep $1k in the brokerage account. They'll eventually complain if you don't, or so I've heard. Schwab has a good selection of commission free ETFs, so you really shouldn't be paying for trades. Thanks whodidn'tante. I guess I just transfer it o...