Search found 2651 matches

by student
Fri Dec 14, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: ReFi...Yes or No
Replies: 11
Views: 511

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: 5396

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: 38
Views: 1789

Re: Hyatt Legal Plan for Will and Trust

I have used this plan to set up a will and a trust. It seems ok.
by student
Mon Dec 10, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - Bonehead Move
Replies: 7
Views: 776

Re: Tax Loss Harvesting - Bonehead Move

I made a similar mistake before. Don't feel bad.
by student
Mon Dec 10, 2018 10:42 pm
Forum: Investing - Theory, News & General
Topic: Article: Your love of index funds is terrible for our economy
Replies: 59
Views: 6254

Re: Article: Your love of index funds is terrible for our economy

arcticpineapplecorp. wrote:
Mon Dec 10, 2018 10:04 pm
"It is difficult to get a man to understand something when his salary depends upon his not understanding it" - Upton Sinclair

I think he means "Your love of index funds is terrible for my economy"
+1.
by student
Mon Dec 10, 2018 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Having trouble with lump sum purchase in 401K right now
Replies: 2
Views: 222

Re: Having trouble with lump sum purchase in 401K right now

If you have extra $500,000 to invest, I would recommend using dollar averaging for psychological reason. Since you are just exchanging one stock fund to another to maintain AA, I would say buy now.
by student
Mon Dec 10, 2018 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Employer's Response: 401K Choices
Replies: 26
Views: 1983

Re: EMPLOYER'S RESPONSE: 401K Choices

One thing that it is worth noting is American Century target funds have, in general, very conservative asset allocations comparing to others such as Vanguard. So they lag others during the bull run.
by student
Mon Dec 10, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Rental car totalled - amex insurance issue
Replies: 19
Views: 3190

Re: Rental car totalled - amex insurance issue

My rental car got stuck in a flooded road and was totaled. I rent on American Express card and pay for amex premium coverage as primary and assumed it will all be taken care of. After a couple of months I heard from the car rental company that amex is paying for approx 90% of the net ACV ( actual c...
by student
Sun Dec 09, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?
Replies: 49
Views: 4158

Re: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?

At a typical research university, guideline says one needs to have certain research accomplishment to get tenure (or one will be fired). For readers of this thread, a researcher with grants at a typical research university will request their summer pay in their grants if the university is not payin...
by student
Sun Dec 09, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: T-Mobile MONEY
Replies: 4
Views: 518

Re: T-Mobile MONEY

Up to $3,000. Probably a gimmick.
by student
Sun Dec 09, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?
Replies: 49
Views: 4158

Re: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?

Some of my colleagues choose to teach or do nothing, because they do not wish to be promoted to the next rank. It is not a myth. Is there anything in your contract that says you HAVE to do x, y, or z during months A, B, and C? If not, then you do get those months off. You and other CHOOSE to do ext...
by student
Sun Dec 09, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting, Fidelity round-trip violation
Replies: 7
Views: 652

Re: Tax loss harvesting, Fidelity round-trip violation

I assume that the number of shares that you DCA into is small relative to the number of shares that you want to sell. I will just sell them and not deal with wash sale.
by student
Sun Dec 09, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: How can I check the status of my Experian credit freeze?
Replies: 7
Views: 656

Re: How can I check the status of my Experian credit freeze?

I froze my credit report over the phone but it did not work properly. There is no way (at least I did not find one) to reach a human being.
by student
Sun Dec 09, 2018 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest help needed
Replies: 3
Views: 278

Re: Tax loss harvest help needed

H-Town wrote:
Sun Dec 09, 2018 10:12 am
You can TLH IXUS into a combination of VEA and VWO.
+1.
by student
Sun Dec 09, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 137
Views: 18504

Re: Teachers Who Have Net Worth of $1 million +

After 12 years of a second career in education my guess is that very few teachers have a net worth of $1 million unless you do tortured calculations to include social security and pensions into that net worth. The exception, of course, is married teachers who have a higher paid professional spouse....
by student
Sun Dec 09, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 137
Views: 18504

Re: Teachers Who Have Net Worth of $1 million +

The average salary of teachers here is in the $80's. They also have a pension. I believe they can retire with full pension and benefits at 55 with 30 years of service. I heard from teachers that the working environment is not very good these days.
by student
Sun Dec 09, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?
Replies: 49
Views: 4158

Re: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?

In the summer, I do extra teaching for additional income, and do research. The pay is low in a number of disciplines. https://www.higheredjobs.com/salary/salaryDisplay.cfm?SurveyID=46 For example, about $60 for assistant professors, just under $70's for associate professors and $80's for full profes...
by student
Sat Dec 08, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Can I max out both 457b and Roth IRA?
Replies: 6
Views: 626

Re: Can I max out both 457b and Roth IRA?

I agree with others that you can do it.
by student
Sat Dec 08, 2018 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to Understand the Ramifications of My Accidental Wash Sale
Replies: 5
Views: 368

Re: Trying to Understand the Ramifications of My Accidental Wash Sale

My understanding is that you are ok. For practical purpose, this is not a wash sale.
by student
Sat Dec 08, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4013

Re: Rental Car Damage Issue

This is horrible. When I rent a car, I usually buy their insurance to avoid the hassle. I know it is not a financially optimal thing to do.
by student
Fri Dec 07, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house for cash, sellers requesting proof of assets
Replies: 23
Views: 4469

Re: Buying house for cash, sellers requesting proof of assets

TheGreyingDuke wrote:
Fri Dec 07, 2018 11:06 am
Turns out you can generate a "letter" right from the web page:

My Accounts>Statements>Create Valuation report>Create a valuation report>
This is nice.
by student
Thu Dec 06, 2018 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest - When and What You Buy
Replies: 5
Views: 724

Re: Tax Loss Harvest - When and What You Buy

My understanding is yes in the first case and an effective no in the second case.
by student
Mon Dec 03, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Fidelity for checking account + Passive Investment
Replies: 14
Views: 1057

Re: Schwab vs Fidelity for checking account + Passive Investment

Perhaps you can open and account at both Schwab and Fidelity and test drive them yourself. It would not be a bad idea if you travel a lot to have two ATM cards.
by student
Mon Dec 03, 2018 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting [Will this trigger a wash sale?]
Replies: 6
Views: 355

Re: Tax Loss Harvesting [Will this trigger a wash sale?]

kmn99 wrote:
Mon Dec 03, 2018 8:04 pm
Thank you. And Do you guys advice moving to VXUS or is there a better ETF or Mutual Fund tracking Total International Stock Market. So glad I found this forum :happy
I think VXUS is a good one. You can consider VEA but it invests in developed countries only. I will go with VXUS.
by student
Mon Dec 03, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting [Will this trigger a wash sale?]
Replies: 6
Views: 355

Re: Tax Loss Harvesting [Will this trigger a wash sale?]

No. IXUS follows MSCI ACWI ex USA IMI index with 3465 holdings as of 6/30/2018. VXUS follows FTSE Global All Cap ex US Index with 6354 holdings as of 7/31/2018.
by student
Sun Dec 02, 2018 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5153

Re: Do you get a year end bonus?

I am working at a university. No bonuses.
by student
Sun Dec 02, 2018 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase Price vs. Gross Income
Replies: 59
Views: 4289

Re: Home Purchase Price vs. Gross Income

Just a data point. When I bought mine 18 years ago, it was about 2.6x my annual salary, excluding summer teaching income. With summer teaching, it was about 2.2x.
by student
Sun Dec 02, 2018 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Net Worth Question - Current Value or Personal Contribution?
Replies: 31
Views: 2083

Re: Net Worth Question - Current Value or Personal Contribution?

If I have a portfolio valued at $400,000 TODAY , and I, personally, stop adding a single penny to this investment, assuming 5% Average annual return over 30, years, I would have $1.72M. Is this a correct statement? I am looking to use an average 5% real rate... meaning the market could go up and do...
by student
Sat Dec 01, 2018 8:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 551
Views: 64502

Re: Post your Financial Milestone Announcements Here

sam5 wrote:
Sat Dec 01, 2018 8:09 pm
:beer My Vanguard account is in Flagship territory for the first time ever. :beer
Congratulations.
by student
Sat Dec 01, 2018 7:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 551
Views: 64502

Re: Post your Financial Milestone Announcements Here

I have just received my very first pension payment. A few years ago, my former MegaEmployer closed down the local plant and relocated elsewhere. Long story short, I left the company and found employment with someone else. Leaving my MegaEmployer at this time qualified me for early retirement (100% ...
by student
Sat Dec 01, 2018 10:01 am
Forum: Investing - Help with Personal Investments
Topic: How is TIAA Traditional classified in Monte Carlo simulation?
Replies: 8
Views: 676

Re: How is TIAA Traditional classified in Monte Carlo simulation?

I use inflation linked bond as a proxy. I had been doing a mix of various short/long term maturity bond funds, etc.. but that's just random guess work on my part, I was looking for something more accurate. I think it is difficult to have something more accurate. Financial Engines recognizes TIAA Tr...
by student
Sat Dec 01, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: Investment Analysis Tools
Replies: 4
Views: 285

Re: Investment Analysis Tools

I use Personal Capital and I manually enter the portfolio. Overall, I think it is a great product.
by student
Sat Dec 01, 2018 8:49 am
Forum: Investing - Help with Personal Investments
Topic: How is TIAA Traditional classified in Monte Carlo simulation?
Replies: 8
Views: 676

Re: How is TIAA Traditional classified in Monte Carlo simulation?

I use inflation linked bond as a proxy. I had been doing a mix of various short/long term maturity bond funds, etc.. but that's just random guess work on my part, I was looking for something more accurate. I think it is difficult to have something more accurate. Financial Engines recognizes TIAA Tr...
by student
Sat Dec 01, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: declining employer benefits?
Replies: 36
Views: 3971

Re: declining employer benefits?

I have not heard of anyone not able to decline benefits. However, most places will only give you a small amount for not taking the benefits.
by student
Fri Nov 30, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Are you glad you bought an Xfinity Telephony Modem?
Replies: 13
Views: 817

Re: Are you glad you bought an Xfinity Telephony Modem?

Minty wrote:
Fri Nov 30, 2018 10:00 am
And make sure you buy a new compatible modem, or, if you buy used, get it from a place that will let you return it if the modem shows up on the ISP's database as belonging to them.
Excellent advice.
by student
Fri Nov 30, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Are you glad you bought an Xfinity Telephony Modem?
Replies: 13
Views: 817

Re: Are you glad you bought an Xfinity Telephony Modem?

I have https://www.amazon.com/NETGEAR-Telephone-download-680Mbps-Certified/dp/B075XGZ6GL and I am happy with it. I think each can last about 5 years before being outdated. Edit: I noticed that one you mentioned has a router built-in. The one that I have does not. I personally do not like to combine ...
by student
Fri Nov 30, 2018 9:19 am
Forum: Investing - Theory, News & General
Topic: Doing TLH manually
Replies: 18
Views: 1144

Re: Doing TLH manually

1) I will do it. Others may disagree. I think you understand the issue here based on your OP. 2) I will not do it. I view them as substantially identical. Others may disagree. I think VBR is safer. https://www.bogleheads.org/forum/viewtopic.php?t=126332 Sorry.. what did you mean by 1 and 2 (I didn'...
by student
Fri Nov 30, 2018 8:30 am
Forum: Investing - Theory, News & General
Topic: Doing TLH manually
Replies: 18
Views: 1144

Re: Doing TLH manually

1) I will do it. Others may disagree. I think you understand the issue here based on your OP.

2) I will not do it. I view them as substantially identical. Others may disagree. I think VBR is safer. viewtopic.php?t=126332
by student
Thu Nov 29, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: citi virtual account number and refunds
Replies: 8
Views: 829

Re: citi virtual account number and refunds

My understanding is that the virtual account number is tied to your main account number, so the refund should go through. As another poster has said, if your virtual number has expired, then it is a different story.
by student
Thu Nov 29, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Remodeling - tipping?
Replies: 56
Views: 2743

Re: Remodeling - tipping?

I would not tip in the circumstance. If you think that they did a great job, I would tell them so and let them know that I would recommend them to my friends and write them an excellent review online.
by student
Wed Nov 28, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: My mutual funds are declining, please help!
Replies: 54
Views: 5091

Re: My mutual funds are declining, please help!

This is an opportunity for tax loss harvesting.
by student
Wed Nov 28, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Question
Replies: 26
Views: 1363

Re: Credit Card Question

I would charge a few dollars every 6 months.
by student
Wed Nov 28, 2018 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting beginner...
Replies: 5
Views: 612

Re: Tax Loss Harvesting beginner...

Are you sure that you won't have any capital gains this year that will you a portion of your capital loss? If you have $5000 capital gain, then you use all $8000 this year.
by student
Tue Nov 27, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: TIAA: compensation of Wealth Management Advisor
Replies: 19
Views: 1927

Re: TIAA: compensation of Wealth Management Advisor

Just a data point. Nobody from TIAA ever called me. I met with an advisor a couple of times. He said I was doing fine and agreed that index funds are good choices.
by student
Tue Nov 27, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: So that's why 2-day shipping isn't what I expected!
Replies: 41
Views: 4949

Re: So that's why 2-day shipping isn't what I expected!

I go by the delivery date before I check out. If the order does not arrive on time, I may complain to them to get compensation (about $5).
by student
Mon Nov 26, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: used Prius (or Chevy Volt?)
Replies: 55
Views: 5596

Re: used Prius (or Chevy Volt?)