Search found 388 matches

by need403bhelp
Thu Oct 05, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Bogle-oriented financial advisor in my area
Replies: 13
Views: 1198

Re: Bogle-oriented financial advisor in my area

Forum member tfb started a service in which he will find 3 advice only (his term) advisors in your area for $200: https://adviceonlyfinancial.com/how-to-find-advice-only I haven't used it as I use these forums and read lots of the recommended books. However, I like tfb's blog thefinancebuff.com and ...
by need403bhelp
Thu Oct 05, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 4917

Re: Anyone go 100% Ally or another online bank for all banking needs?

Capital One 360 as primary bank for checking for many years.

Online only but can deposit cash at capital one atms or in branch.

This used to be ing direct until capital one bought them.

Highly recommend.

EDIT: my savings is also online only but I use synchrony bank.
by need403bhelp
Wed Oct 04, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: What to prioritize? Or hire a financial advisor?
Replies: 10
Views: 936

Re: What to prioritize? Or hire a financial advisor?

I am also thinking about priorities (down payment vs college for unborn kids, in my case). One take away for me: it is not all or nothing. You could even do $100/mo to a 529 if it is not a high priority. You could do more than one priority at a time. With that said, I do utilize all tax advantaged s...
by need403bhelp
Tue Oct 03, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: For buying house: how do you know which schools are "good"?
Replies: 56
Views: 3719

Re: For buying house: how do you know which schools are "good"?

Thank you all for your thoughts! Sounds like a lot of great things/factors to think about and also likely will need to re-read this thread a few times to really absorb all of the helpful information. Thank you again!
by need403bhelp
Mon Oct 02, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: Should I get a New Macbook Pro?
Replies: 47
Views: 3926

Re: Should I get a New Macbook Pro?

I am still using my MacBook Pro Mid 2010. Couple years ago bought SSD hard drive and replaced it, already have max ram (8 gb). Runs Mac OS Sierra good as new - I use it everyday. An SSD will be <$200, ram price not sure but doubt more than $100-200. If you don't feel comfortable doing replacement yo...
by need403bhelp
Sun Oct 01, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: For buying house: how do you know which schools are "good"?
Replies: 56
Views: 3719

Re: For buying house: how do you know which schools are "good"?

Wow. Thank you all for your very helpful comments. A lot of things to consider, including talking to parents in the area and possibly even visiting different schools before we buy. The good thing is that there isn't a huge rush, as I do own the condo where I currently live (although it is on the sma...
by need403bhelp
Sat Sep 30, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: For buying house: how do you know which schools are "good"?
Replies: 56
Views: 3719

Re: For buying house: how do you know which schools are "good"?

This is what I have used to check the rating for a school: https://www.greatschools.org/ +1 on this. Wife and I have used this several times, and have found the 1-10 rankings to be a good indication of the quality of the school. If you use Zillow to search for houses, that site will typically show ...
by need403bhelp
Sat Sep 30, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: For buying house: how do you know which schools are "good"?
Replies: 56
Views: 3719

Re: For buying house: how do you know which schools are "good"?

Schools are all different and communities are all different. Test scores are only one small dimension of a school. When choosing a school, much depends what you are looking for. Our young faily moved to a suburb with schools that were all 10/10 in the rankings, with very high SAT scores. But the co...
by need403bhelp
Sat Sep 30, 2017 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: For buying house: how do you know which schools are "good"?
Replies: 56
Views: 3719

Re: For buying house: how do you know which schools are "good"?

boglefin wrote:
Sat Sep 30, 2017 6:58 pm
This is what I have used to check the rating for a school: https://www.greatschools.org/
Thanks! I like this because it has elementary and middle schools also, and even tells you which public school is "assigned" to a given home address.
by need403bhelp
Sat Sep 30, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: For buying house: how do you know which schools are "good"?
Replies: 56
Views: 3719

Re: For buying house: how do you know which schools are "good"?

Depends on what you mean by good. If your kid desires a theater program, then the top STEM school in your town is probably of no interest. Otherwise, its all about the high schools, and nationally-normed test scores are the easiest to compare. Attached is a start. https://www.usnews.com/education/b...
by need403bhelp
Sat Sep 30, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: For buying house: how do you know which schools are "good"?
Replies: 56
Views: 3719

For buying house: how do you know which schools are "good"?

My wife is finally coming back to the US later this year. In the next one to few years, we will likely be in the market for a house (currently own a condo where I have lived for >12 years). Specifically, we are looking to have two kids in the next few years, and our priority re where to buy a house ...
by need403bhelp
Thu Sep 28, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest my money during medical training?
Replies: 4
Views: 312

Re: Where to invest my money during medical training?

For now, no way to have >$5500 to Roth per year. Can you roll over your 457b to an IRA after you finish residency (like you can with a 403b as long as you don't plan to stay in academics and at the same institution)? If so, you could do the rollover right after you finish residency and then convert ...
by need403bhelp
Wed Sep 27, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation in TIAA-CREF
Replies: 27
Views: 2119

Re: Allocation in TIAA-CREF

GSRA is liquid like any mutual fund in your 403b - no restrictions at all. Obviously, this is just for moving money around WITHIN the 403b. Understood, I'm thinking that if the GSRA crediting rate falls too far behind, say, high quality corporate bond yields a few years down the line, hands wouldn'...
by need403bhelp
Tue Sep 26, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3225

Re: Verizon TravelPass

FYI, you may already know this, but the Message+ app from Verizon allows you to call and text from your us number over Wifi for free (well, as part of your us plan - mine includes free international texting but calls only to us). For calls to local phone numbers in a pinch, Google Hangouts has prett...
by need403bhelp
Tue Sep 26, 2017 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation in TIAA-CREF
Replies: 27
Views: 2119

Re: Allocation in TIAA-CREF

If your plan is a GSRA, there's no liquidity issue. You can transfer out whenever you want. If your plan is something else, I believe you're subject to the 10-year transfer requirement (although they pay 4% instead of 3% for your loss of liquidity). If you search TIAA Traditional here you'll find a...
by need403bhelp
Tue Sep 26, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6316

Re: Fidelity Security

Thus, next year, I may do a $1 non-deductible IRA to Fidelity just to have 2FA via Symantec VIP. I will then do the other $5,499 to Vanguard to do my backdoor Roth. You could also just do a taxable brokerage account and not fund it. Seems easier. I thought there was a $2500 minimum deposit for a ta...
by need403bhelp
Mon Sep 25, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6316

Re: Fidelity Security

Thus, next year, I may do a $1 non-deductible IRA to Fidelity just to have 2FA via Symantec VIP. I will then do the other $5,499 to Vanguard to do my backdoor Roth. You could also just do a taxable brokerage account and not fund it. Seems easier. I thought there was a $2500 minimum deposit for a ta...
by need403bhelp
Mon Sep 25, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6316

Re: Fidelity Security

FYI, I wasn't super excited about Symantec VIP (I use Google Authenticator for all accounts that allow to use it WITHOUT an SMS backup option, and don't like only being able to configure Symantec VIP with my account on one device), but decided to enable it. Called Fidelity. Apparently, it is ONLY av...
by need403bhelp
Sun Sep 24, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 49
Views: 6403

Re: Wiki article - Credit freeze

You should be able to stop offers from companies with whom you do not have accounts at: https://www.optoutprescreen.com/?rf=t For those with whom you have existing accounts, there is usually a hidden option in online interface to unsubscribe from promotions. Thanks for the tip. I was able to opt ou...
by need403bhelp
Sun Sep 24, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 6136

Re: Spouse Money Management

I am only subsidizing her essential expenses like food and train tickets to get to work Two options re food: 1. you subsidize food when you two go out. I think there is a range of different opinions about who pays when dating (basically, the "traditional" approach that the man always pays, and the ...
by need403bhelp
Sun Sep 24, 2017 2:30 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle, Eugene Fama- New Freakonomics Radio Podcast
Replies: 28
Views: 3421

Re: Jack Bogle, Eugene Fama- New Freakonomics Radio Podcast

This might be easier to digest for lots of people (especially younger people) than the 16-page "If You Can" book (I know, I know, but I am pretty young and potentially a millennial, depending on the reference, so I'm allowed to say that :wink: ). Although a video would probably work even better...
by need403bhelp
Sun Sep 24, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Morningstar Forums Display Name
Replies: 3
Views: 403

Re: Morningstar Forums Display Name

WorkToLive wrote:
Sun Sep 24, 2017 12:26 pm
Thank you! It worked.
Glad to hear!

Just FYI, you will likely be limited in terms of number of posts per day, at least I was initially.
by need403bhelp
Sun Sep 24, 2017 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Large inheritance -questions to ask potential advisors
Replies: 27
Views: 2643

Re: Large inheritance -questions to ask potential advisors

Tfb, a forum member, has started a service in which he will find an "advice only" financial advisor (his term, basically fee only that only charges a one time fee for advice) in your area for $200: https://adviceonlyfinancial.com/how-to-find-advice-only Just FYI. EDIT: this would be for the "how to ...
by need403bhelp
Sun Sep 24, 2017 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Morningstar Forums Display Name
Replies: 3
Views: 403

Re: Morningstar Forums Display Name

I have several TIAA-CREF questions and would like to discuss them at the Morningstar.com Forums. I made a user account, can log in, and get to the Forums, but when I click "New Post" the site asks me to choose a display name and no matter what I type in, it won't let me choose one. I've tried the c...
by need403bhelp
Fri Sep 22, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Maximum 401K limits for 2017
Replies: 23
Views: 3900

Re: Maximum 401K limits for 2017

Can someone explain the difference between the 18k and the 54k limit? It has to do with MANDATORY contributions vs ELECTIVE (voluntary) contributions. From what I can tell, most companies are disinclined to have mandatory contributions, no idea why. University employers were more inclined to have g...
by need403bhelp
Fri Sep 22, 2017 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 49
Views: 6403

Re: Wiki article - Credit freeze

Hm, a credit freeze *might* have annoying consequences when buying new CDs, see this post: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=227301&p=3540447#p3540447 Let's wait & see for possible feedback, but it might be worth adding a note about that on the Wiki page if this is confirmed. To ...
by need403bhelp
Wed Sep 20, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 49
Views: 6403

Re: Wiki article - Credit freeze

Hm, a credit freeze *might* have annoying consequences when buying new CDs, see this post: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=227301&p=3540447#p3540447 Let's wait & see for possible feedback, but it might be worth adding a note about that on the Wiki page if this is confirmed. To ...
by need403bhelp
Tue Sep 19, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: How long did it take for Equifax to email you a security sign up?
Replies: 69
Views: 5398

Re: How long did it take for Equifax to email you a security sign up?

7 days for wife, I am still waiting.

Their site seemed to be having issues earlier.

Now it told her she was already registered. But we just said forgot password, used same email address where we received activation link, and were able to get her set up.
by need403bhelp
Tue Sep 19, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Color printer suggestions: high quality output, low cost of ink
Replies: 22
Views: 1587

Re: Color printer suggestions: high quality output, low cost of ink

Thank you, all, for your suggestions! It turns out, a little to my surprise, that I am still under warranty on the printer. They will send me a (?refurbished) replacement unit. I probably definitely won't buy the super high yield XXL inks though, as I have to send my old, half-used ones back with t...
by need403bhelp
Tue Sep 19, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: Color printer suggestions: high quality output, low cost of ink
Replies: 22
Views: 1587

Re: Color printer suggestions: high quality output, low cost of ink

Thank you, all, for your suggestions! It turns out, a little to my surprise, that I am still under warranty on the printer. They will send me a (?refurbished) replacement unit. I probably definitely won't buy the super high yield XXL inks though, as I have to send my old, half-used ones back with th...
by need403bhelp
Mon Sep 18, 2017 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Short term disability insurance
Replies: 19
Views: 875

Re: Short term disability insurance

Thanks all. Another question on disability: Generally the maximum is 60% of income. Can I have two separate policies, both at 60% of income, thereby getting 120% if I'm disabled? Just a theory question, not something I would consider. If I have two separate policies and I become disabled, would the...
by need403bhelp
Mon Sep 18, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Short term disability insurance
Replies: 19
Views: 875

Re: Short term disability insurance

I would, if at all possible, self insure for STDI. GASDOC Let's say I offer $1 million payout for $1 a year - would you take it? My point is that, at least intuitively, there seems to be some threshold ratio of total benefit to annual cost, above which it would seem reasonable to pay for STDI. OP's...
by need403bhelp
Mon Sep 18, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Short term disability insurance
Replies: 19
Views: 875

Re: Short term disability insurance

Most (quality) companies offers STD and LTD paid for. Maybe not generous but what I have seen is about a year at some portion of pay. You don't have enough money to self insure completely (you can't live on SWR of 500k) but you have enough to make the decision to skip the 1/20th insurance premium. ...
by need403bhelp
Mon Sep 18, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Short term disability insurance
Replies: 19
Views: 875

Re: Short term disability insurance

Most (quality) companies offers STD and LTD paid for. Maybe not generous but what I have seen is about a year at some portion of pay. You don't have enough money to self insure completely (you can't live on SWR of 500k) but you have enough to make the decision to skip the 1/20th insurance premium. ...
by need403bhelp
Mon Sep 18, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Short term disability insurance
Replies: 19
Views: 875

Re: Short term disability insurance

FWIW, I am currently paying $14 monthly for $5000 monthly STD coverage (in any case, I hope I did the calculations correctly - I just started with this employer). This is a much better deal (10 fold better) than what you seem to be offered. With that said, I am currently in the process of applying f...
by need403bhelp
Mon Sep 18, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Color printer suggestions: high quality output, low cost of ink
Replies: 22
Views: 1587

Re: Color printer suggestions: high quality output, low cost of ink

I also recommend a laser color printer. After dealing for years with inkjets and their endless cartridges (and mainly just using a b/w laser to avoid draining the ink), I ponied up for a color laser printer earlier this year. After printing enough to drain a couple of rounds of ink cartridges, my t...
by need403bhelp
Mon Sep 18, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Consumer Finance Protection Bureau- Effectiveness?
Replies: 6
Views: 628

Re: Consumer Finance Protection Bureau- Effectiveness?

Thanks for the info . Will follow up with the CFPB. I hope that it goes well. Just to be clear, I knew in my complaint the "right" answer (terms for bonus) and could easily prove I had met those terms (I had a scanned PDF not only of account statements but all correspondence from and to Citi). I al...
by need403bhelp
Mon Sep 18, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Color printer suggestions: high quality output, low cost of ink
Replies: 22
Views: 1587

Re: Color printer suggestions: high quality output, low cost of ink

Thank you, all, for your helpful suggestions! It sounds like I should really look towards laser, either color or B&W. Also, for those saying pick 2 of the 3 necessities I mentioned, I guess my point is that I feel that my HP OfficeJet Pro 8500 a909a had all 3. Maybe I was just lucky, but the print q...
by need403bhelp
Sun Sep 17, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Color printer suggestions: high quality output, low cost of ink
Replies: 22
Views: 1587

Color printer suggestions: high quality output, low cost of ink

Happy Sunday! I was VERY happy for many many years with my OfficeJet Pro 8500 a909a (wired) printer. However, ultimately, it started to have cycles during which it was printing poorly, and I had to do the printer's "cleaning" repeatedly for ~12-24 hours before it would start working again (and thus,...
by need403bhelp
Sat Sep 16, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: Free credit monitoring for AAA members
Replies: 16
Views: 1814

Re: Free credit monitoring for AAA members

Worthless, IMO. With Credit Karma and Credit Sesame, your monitoring needs are met. Otherwise, just freeze all agencies and don't think about it again. Does Credit Sesame show Experian data such as hard inquiries, accounts, etc, in real time? Or at least updated on a monthly basis or whatever would...
by need403bhelp
Sat Sep 16, 2017 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 49
Views: 6403

Re: Wiki article - Credit freeze

Lady Geek, great initiative. I just completed this freeze on-line at Equifax, Experion, Transunion, Innovis and ChexSystem. Not sure how detailed you want to get nor how often these details might change but here is a summary of my on-line experience for you to use as you see fit. Equifax - system g...
by need403bhelp
Sat Sep 16, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Credit Monitoring - 1 or 3 Bureau?
Replies: 10
Views: 687

Re: Credit Monitoring - 1 or 3 Bureau?

Sites like Credit Karma offer free monitoring from 1 credit bureau. Sites that monitor all 3 credit bureaus seem to charge $19.95 & up. This is incorrect. Credit Karma monitors 2 reports - TransUnion and Equifax. For free monitoring of Experian, sign up for www.freecreditscore.com (owned by Experia...
by need403bhelp
Sat Sep 16, 2017 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Consumer Finance Protection Bureau- Effectiveness?
Replies: 6
Views: 628

Re: Consumer Finance Protection Bureau- Effectiveness?

Has anyone filed a complaint with the Consumer Finance Protection Bureau? Is the process easy to use and you were satisfied with follow-up? Have received inconsistent comments regarding wire transfer fees between two branches of Citibank.. Seeking help to recover the fees or an explanation that is ...
by need403bhelp
Sat Sep 16, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Credit Monitoring - 1 or 3 Bureau?
Replies: 10
Views: 687

Re: Credit Monitoring - 1 or 3 Bureau?

Sites like Credit Karma offer free monitoring from 1 credit bureau. Sites that monitor all 3 credit bureaus seem to charge $19.95 & up. This is incorrect. Credit Karma monitors 2 reports - TransUnion and Equifax. For free monitoring of Experian, sign up for www.freecreditscore.com (owned by Experia...
by need403bhelp
Fri Sep 15, 2017 7:23 pm
Forum: Investing - Theory, News & General
Topic: Medical residents: pre-tax (403b) vs taxable
Replies: 11
Views: 992

Re: Medical residents: pre-tax (403b) vs taxable

The only reason I thought of why you should choose pre-tax OVER taxable in this situation is the opportunity to roll over to a traditional IRA and convert to Roth your first year as an attending (as your salary will generally still be fairly low - you will be a resident until June/July and only hav...
by need403bhelp
Thu Sep 14, 2017 6:23 pm
Forum: Investing - Theory, News & General
Topic: Medical residents: pre-tax (403b) vs taxable
Replies: 11
Views: 992

Re: Medical residents: pre-tax (403b) vs taxable

The only reason I thought of why you should choose pre-tax OVER taxable in this situation is the opportunity to roll over to a traditional IRA and convert to Roth your first year as an attending (as your salary will generally still be fairly low - you will be a resident until June/July and only hav...
by need403bhelp
Thu Sep 14, 2017 6:02 pm
Forum: Investing - Theory, News & General
Topic: Medical residents: pre-tax (403b) vs taxable
Replies: 11
Views: 992

Re: Medical residents: pre-tax (403b) vs taxable

Thank you all for your thoughts! I guess I should have clarified further: - I told everyone Roth IRA before 403b - there is NO match for the 403b in my old residency program - there is NO Roth option for the 403b in my old residency program - we have no state (income) taxes Also, for the taxable acc...
by need403bhelp
Wed Sep 13, 2017 9:29 pm
Forum: Investing - Theory, News & General
Topic: Medical residents: pre-tax (403b) vs taxable
Replies: 11
Views: 992

Re: Medical residents: pre-tax (403b) vs taxable

Actually, thinking more, maybe I figured it out. Let's say a resident is in the 15% tax bracket and will be in 25% bracket in retirement. Assume no growth in either pre tax or taxable account. Now put $18000 pre tax in each. Pre tax at withdrawal: $18000 x (1 - 0.25) Taxable at withdrawal: $18000 x ...
by need403bhelp
Wed Sep 13, 2017 8:28 pm
Forum: Investing - Theory, News & General
Topic: Medical residents: pre-tax (403b) vs taxable
Replies: 11
Views: 992

Medical residents: pre-tax (403b) vs taxable

Ok, this isn't directly relevant to me. However, some residents from my former residency program asked me (as the bogleheads/do-it-yourself financial person from our residency program) a question and I am curious about the Bogleheads answer. The question: let's say you are a medical resident in a lo...
by need403bhelp
Wed Sep 13, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11313

Re: Anyone else freeze their credit score?

Easy and Secure aren't always necessarily opposites. Unlocking my phone with my fingerprint is more secure that a 4-digit pin and also happens to be easier (at least for me). Bio-metrics has its own set of vulnerabilities. The system may not recognize your fingerprints for a reading or might incorr...