Search found 2553 matches

by student
Mon Nov 12, 2018 10:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 58
Views: 5018

Re: Vanguard investor class shares on their way out?

Having multiple share classes is so old fashioned and lame. In 2018, it's not a good look to give deals to rich people. I don't think they are giving deals to rich people. They operate at cost. Service such as sending out statements cost money. However, an alternative is to convert everybody to adm...
by student
Mon Nov 12, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 3985

Re: tipping for grocery delivery

I still tip 15% for anything but outstanding service and that’s on the pre tax amount. Not sure where all of this 20+% after tax came from but I do not subscribe to it. I don’t make these folks worry about my wage so I’m not going to spend a lot of time fretting over theirs. 15% is fine. I tip 15%-...
by student
Mon Nov 12, 2018 10:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 58
Views: 5018

Re: Vanguard investor class shares on their way out?

Having multiple share classes is so old fashioned and lame. In 2018, it's not a good look to give deals to rich people. I don't think they are giving deals to rich people. They operate at cost. Service such as sending out statements cost money. However, an alternative is to convert everybody to adm...
by student
Mon Nov 12, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Year-End distribution estimates
Replies: 34
Views: 1220

Re: Vanguard 2018 Preliminary capital gains estimates.

Assuming the rate is the same for non-institutional, 2.11% for Total Market seems high. Interesting. Those listed with 2.11% CGD are Institutional Total Stock Market Index Institutional VITNX Institutional Total Stock Market Index Institutional Plus VITPX The usual funds, e.g. Vanguard Total Stock ...
by student
Mon Nov 12, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Still spending too much on non-essentials
Replies: 38
Views: 2385

Re: Still spending too much on non-essentials

Don't be too hard on yourself. If such spending bring you or your family joy, $100 a month is fine provided that you already have a good saving rate.
by student
Mon Nov 12, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 702
Views: 113294

Re: High Earners - What's Your Profession?

Interesting thread. While I'm not a "high earner" yet it is and interesting discussion to see what people think qualifies. Both 30. When my wife was working we had an income of close to 110K which didn't feel like we were living high on the hog. We were able to save a little here and there but didn...
by student
Mon Nov 12, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Engines thru Vanguard
Replies: 14
Views: 811

Re: Financial Engines thru Vanguard

fyi the original founder of financial engines was William Sharpe source: https://www.google.com/search?q=who+started+financial+engines&ie=utf-8&oe=utf-8&client=firefox-b-1-ab I believe it was sold off and I don't believe he's associated with it anymore. That's my understanding as well that he is no...
by student
Mon Nov 12, 2018 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Financial Engines thru Vanguard
Replies: 14
Views: 811

Re: Financial Engines thru Vanguard

I have used it but only for entertainment. I preferred the retirement checkup calculator from Fidelity.
by student
Sun Nov 11, 2018 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA R1 With Painfully High Expenses - stuck?
Replies: 34
Views: 1911

Re: TIAA R1 With Painfully High Expenses - stuck?

Although I am not fan of TIAA RE, I think you are comparing apples to oranges. As Tibbitts said, TIAA RE owns the properties and Vanguard owns shares of the companies that own the properties. Where did you get the data regarding Vanguard costs less if you subtract TIAA RE investment cost? We do not...
by student
Sun Nov 11, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: TIAA R1 With Painfully High Expenses - stuck?
Replies: 34
Views: 1911

Re: TIAA R1 With Painfully High Expenses - stuck?

No, this is a common misconception. The TIAA Real Estate Account does not include property management costs in its expense ratio. Well, the fees for mowing the lawn aren't included in TIAA, but I believe some of the management fees that REITs occur (but aren't included in the Vanguard ER) are inclu...
by student
Fri Nov 09, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Lowest Cost GPS-Capable Device for Senior Citizen
Replies: 18
Views: 997

Re: Lowest Cost GPS-Capable Device for Senior Citizen

I think an expensive way is to get a $30 prepaid cell phone and just use it as a mini tablet. One can download google map at home. Of course, you do not get real time traffic alerts and you can update the maps as frequently as you want.
by student
Fri Nov 09, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Penfed Rewards Card - Gas purchase rewards question
Replies: 21
Views: 1116

Re: Penfed Rewards Card - Gas purchase rewards switcharoo

Never mind. My bad - I was looking at the rewards incorrectly (the points are being credited correctly; the only thing off is that I don't think I can get a statement credit, which is not a big deal in the grand scheme of things). It appears that the points are being calculated correctly. So now, h...
by student
Fri Nov 09, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Moving TMobile account from flip phone to iPhone
Replies: 17
Views: 742

Re: Moving TMobile account from flip phone to iPhone

If you have xfinity for tv or cable internet, I suggest taking a look at their cell service. Unlimited text and talk for free (around $2 tax). viewtopic.php?t=220754
by student
Fri Nov 09, 2018 6:44 am
Forum: Investing - Help with Personal Investments
Topic: TIAA R1 With Painfully High Expenses - stuck?
Replies: 34
Views: 1911

Re: TIAA R1 With Painfully High Expenses - stuck?

If I were you I would look for an broad-based equity index fund with a low ER. If the best you can do is the CREF Equity fund with an ER of 0.51% just stick with that even though it's not an index fund. My wife has used only the CREF Equity fund along with TIAA Traditional in her 403b and IRA for d...
by student
Fri Nov 09, 2018 6:33 am
Forum: Investing - Help with Personal Investments
Topic: TIAA R1 With Painfully High Expenses - stuck?
Replies: 34
Views: 1911

Re: TIAA R1 With Painfully High Expenses - stuck?

If I were you I would look for an broad-based equity index fund with a low ER. If the best you can do is the CREF Equity fund with an ER of 0.51% just stick with that even though it's not an index fund. My wife has used only the CREF Equity fund along with TIAA Traditional in her 403b and IRA for d...
by student
Thu Nov 08, 2018 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Go it alone or stay with wealth management?
Replies: 10
Views: 1282

Re: Go it alone or stay with wealth management?

You are smart enough to start your own company and have $4M in such a young age. I think you can manage your own portfolio. If you believe in a bogleheads strategy such as a 3-fund portfolio, you don't need to spend much time on it.
by student
Thu Nov 08, 2018 6:51 am
Forum: Personal Finance (Not Investing)
Topic: How to plan for bonus without knowing amount?
Replies: 32
Views: 1884

Re: How to plan for bonus without knowing amount?

I agree with others who said that plan around your base pay only.
by student
Thu Nov 08, 2018 6:49 am
Forum: Personal Finance (Not Investing)
Topic: $300K in assets; pls help w/ auto insurance coverage
Replies: 3
Views: 617

Re: $300K in assets; pls help w/ auto insurance coverage

I think you need to obtain a reasonable amount of liability insurance to protect against a potential large judgment. Your present level of assets shouldn’t enter into the equation. Should you be underinsured it’s possible you will have to give up future earnings and assets to satisfy the claim. So ...
by student
Tue Nov 06, 2018 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 702
Views: 113294

Re: High Earners - What's Your Profession?

Combined Household Income for 2019: (assuming we keep our jobs) Medium to High cost of living area. (CT) Dunno if this is high earners for my area, I doubt it. Welp :annoyed :confused Pharmacy Supervisor FT: $124,500 + $3,000-$5,000 bonus & Staff Pharmacist Per Diem : $5,500 B.S. Pharmacy + Pharm D...
by student
Tue Nov 06, 2018 11:23 pm
Forum: Investing - Theory, News & General
Topic: USAA getting out of mutual fund biz
Replies: 30
Views: 3728

Re: USAA getting out of mutual fund biz

Riprap wrote:
Tue Nov 06, 2018 10:11 pm
That said, anyone ever hear of Victory Capital before?
No. Took a quick look. Not impressed.
by student
Tue Nov 06, 2018 7:07 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 702
Views: 113294

Re: High Earners - What's Your Profession?

Would really like to revive this thread instead of starting a new one. Not sure why some are so reluctant to share exact numbers as we are supposedly ananomyous. Good point. Okay, to be more helpful, I'll share. I'm in the top 1% by income. My profession: STEM Ph.D. student. Are you saying that as ...
by student
Mon Nov 05, 2018 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Getting on track; Edward Jones & Vanguard advice
Replies: 31
Views: 3142

Re: Getting on track; Edward Jones & Vanguard advice

I agree with others who said you should transfer out. However, I recommend transfer to places like Merrill Edge that gives you a bonus, pay for the closing fee and usually free trades to start with. With $40,000, you are eligible for preferred rewards that gives you some free trades anyway. See htt...
by student
Sun Nov 04, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 134
Views: 18981

Re: Xfinity Mobile

protagonist wrote:
Sun Nov 04, 2018 11:25 am
I assume this is just for new subscribers?

I have been an Xfinity Mobile customer for over a year. It would be nice to get more phones.
It is for new lines only and you have to port over a number.
by student
Sun Nov 04, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Getting on track; Edward Jones & Vanguard advice
Replies: 31
Views: 3142

Re: Getting on track; Edward Jones & Vanguard advice

I agree with others who said you should transfer out. However, I recommend transfer to places like Merrill Edge that gives you a bonus, pay for the closing fee and usually free trades to start with. With $40,000, you are eligible for preferred rewards that gives you some free trades anyway. See http...
by student
Sun Nov 04, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1765

Re: Credit card Surcharges

Many years ago, it was not allowed to add a surcharge but it was allowed to give a cash discount. Some years ago, they changed the rules. See https://www.creditcards.com/credit-card-news/credit-card-surcharge-confusion.php for a brief history. There is a small take out that I frequent has this surch...
by student
Sat Nov 03, 2018 6:38 am
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 134
Views: 18981

Re: Xfinity Mobile

The $150 rebate promotion on LG and Motorola phones has been extended to Nov 25. The mote e5 is $120. So you make $30.
by student
Thu Nov 01, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Can Verizon waive inadvertent international data charges?
Replies: 10
Views: 853

Re: Can Verizon waive inadvertent international data charges?

Call and complain. Most should be refunded. What plan do they have? Many plans at Verizon include Canada. For example, https://www.engadget.com/2018/01/21/ver ... nd-mexico/
by student
Tue Oct 30, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign for relative?
Replies: 103
Views: 4921

Re: Should I co-sign for relative?

Apologies for the lack of details: This is for a personal vehicle, not a work vehicle. Relative is currently leasing a luxury vehicle that is due back in a few days the current payment on it is $600/month which was paid for ontime for the past 3 years and is being given back in perfect condition. T...
by student
Mon Oct 29, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Treasure Island or Bally's in Las Vegas
Replies: 32
Views: 2269

Re: Treasure Island or Bally's in Las Vegas

I recommend you take a look at this offer. https://www.mgmresorts.com/en/mlife-rew ... offer.html

It is for Royal Caribbean Crown Society members, which you can join for free.

PS: It is ending soon but they will likely extend it.
by student
Mon Oct 29, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign for relative?
Replies: 103
Views: 4921

Re: Should I co-sign for relative?

As others have said, $900 is expensive. I would not do it.
by student
Mon Oct 29, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Should I get rid of PMI or pay off my car loan?
Replies: 28
Views: 1499

Re: Should I get rid of PMI or pay off my car loan?

Get of the PMI will be a better choice.
by student
Mon Oct 29, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Am I doing well financially?
Replies: 162
Views: 12619

Re: Am I doing well financially?

Your household income is good and you are in the top 5%. It is decision on enjoy it now or enjoy it later. If you want to dine out, that's fine. I would suggest that you save 15% of your income in addition to the 6% by your employers. That's 21%. You can spend the rest as you please. If you want to ...
by student
Tue Oct 23, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Apple TV vs Roku
Replies: 14
Views: 1215

Re: Apple TV vs Roku

Record program? Apple TV/Roku is a device to access "channels" such as Netflix and HBO in which programs are viewed on demand.
by student
Tue Oct 23, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 57
Views: 4369

Re: Canada Goose Jacket

Love mine. Before buying it, I didn’t know I could be so warm in the winter. Watch out for PETA people giving you grief about it, though. In NYC, I’ve had a few of them come up to me about it over the years. Can you elaborate, I didn't know wearing down jackets is bad for the animals? I assume this...
by student
Mon Oct 22, 2018 9:51 pm
Forum: Investing - Theory, News & General
Topic: TLH, wash sale and Fidelity 403b
Replies: 4
Views: 378

Re: TLH, wash sale and Fidelity 403b

If the two total market funds don't follow the same index, you might not have to worry about a wash sale. You could always temporarily sell the total market fund in your 403b and buy it back after it pays the dividend. You could disregard the small wash that would be caused by the dividend purchase...
by student
Mon Oct 22, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 57
Views: 4369

Re: Canada Goose Jacket

I think it is an overkill for those who lives an upper middle class lifestyle. How thick of a jacket do you need if you just need to walk from the parking lot to your office. I did try it at a store and I find it too heavy. I much prefer down jacket from Eddie Bauer, Patagonia, Marmot etc.
by student
Mon Oct 22, 2018 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 7688

Re: For those who paid off house - how did you do it?

Got an El cheapo house and being frugal.
by student
Mon Oct 22, 2018 7:23 pm
Forum: Investing - Theory, News & General
Topic: TLH, wash sale and Fidelity 403b
Replies: 4
Views: 378

TLH, wash sale and Fidelity 403b

I have read a number of threads regarding wash sale and 401k/403b. I see arguments on both sides as to whether wash sale applies to 401k/403b when one does a TLH in a taxable account. One argument on the no side that I have heard is that one may not have complete control in a 401k/403b account. I ha...
by student
Mon Oct 22, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Experian credit freeze
Replies: 8
Views: 983

Re: Experian credit freeze

I double checked and I do not see any such indication. So I guess the freeze did not work. I tried calling them but it seems there is no option to talk to a human. Any suggestion?
by student
Sun Oct 21, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Experian credit freeze
Replies: 8
Views: 983

Re: Experian credit freeze

HueyLD wrote:
Sun Oct 21, 2018 10:46 am
On the bottom half of the first page. It says: FILE FROZEN DUE TO STATE LEGISLATION.
Thanks. Mine does not say this. I guess it is not frozen.
by student
Sun Oct 21, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Experian credit freeze
Replies: 8
Views: 983

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: 1808

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: 8
Views: 983

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: 1232

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: 5302

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: 835

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: 2391

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: 3902

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: 536

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.