Search found 5453 matches

by student
Wed Jun 16, 2021 10:53 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2944
Views: 469956

Re: Rollover offers

[Thread has been merged into the existing thread noted in the next post- Moderator Misenplace] Hello, I am changing jobs, planning to rollover my retirement account(around 150K) by this month end. Schwab has $500 offer for rollover, anyone aware of other offers better than Schwab at this time. Than...
by student
Wed Jun 16, 2021 5:45 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2944
Views: 469956

Re: Rollover offers

[Thread has been merged into the existing thread noted in the next post- Moderator Misenplace] Hello, I am changing jobs, planning to rollover my retirement account(around 150K) by this month end. Schwab has $500 offer for rollover, anyone aware of other offers better than Schwab at this time. Than...
by student
Tue Jun 15, 2021 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Charity - good ideas
Replies: 32
Views: 1418

Re: Charity - good ideas

For most charities there is no long term progress. Most charities are perpetual because there is a perpetual need. There is no solution reached. They are a helping hand. The need they fill is always there. It will never end. Some charities are huge institutions and have a very large business positi...
by student
Mon Jun 14, 2021 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Paying with bitcoin
Replies: 4
Views: 847

Re: Paying with bitcoin

I was going to try it for fun. Maybe I won't. Too complicated.
by student
Mon Jun 14, 2021 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Paying with bitcoin
Replies: 4
Views: 847

Paying with bitcoin

I am not investing with bitcoin. I am just trying to see how paying with bitcoin works. Are there any tax consequences when paying with bitcoin? Suppose I bought $100 in bitcoin, and it grew to $125. If I purchase an item and pay with $125 in bitcoin. Do I have to pay capital gain of $25? It seems n...
by student
Mon Jun 14, 2021 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Brokerage Firms
Replies: 10
Views: 829

Re: Brokerage Firms

Chase You Invest, recently changed its name to JP Morgan Self Direct, allows you to buy most Vanguard funds with no fees. But Chase probably fails on the "Better customer experience" aspect, right? I actually had a good enough experience with Chase. I transferred money to Chase for the bo...
by student
Sun Jun 13, 2021 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage Firms
Replies: 10
Views: 829

Re: Brokerage Firms

Chase You Invest, recently changed its name to JP Morgan Self Direct, allows you to buy most Vanguard funds with no fees. But Chase probably fails on the "Better customer experience" aspect, right? I actually had a good enough experience with Chase. I transferred money to Chase for the bo...
by student
Sun Jun 13, 2021 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage Firms
Replies: 10
Views: 829

Re: Brokerage Firms

Chase You Invest, recently changed its name to JP Morgan Self Direct, allows you to buy most Vanguard funds with no fees.
by student
Sun Jun 13, 2021 1:47 pm
Forum: Investing - Theory, News & General
Topic: TIAA White Paper on Fixed Annuities and SPIAs in Retirement Portfolios
Replies: 107
Views: 6383

Re: TIAA White Paper on Fixed Annuities and SPIAs in Retirement Portfolios

So to be clear the money you previously had in the plan at 3% will now earn only 1% guaranteed? Even former employees are affected by this change? This is not just affecting future contributions? I was told that money in the old plan will still be under the 3% min contract. It will affect only new ...
by student
Sun Jun 13, 2021 11:09 am
Forum: Investing - Theory, News & General
Topic: TIAA White Paper on Fixed Annuities and SPIAs in Retirement Portfolios
Replies: 107
Views: 6383

Re: TIAA White Paper on Fixed Annuities and SPIAs in Retirement Portfolios

Does anyone else have a 403b plan at TIAA with "n o more money allowed into TREA" (other than growth)? If so, is there a reason given? RM Not me, but my 403b is still at 3% so it must not have been updated yet. Again it would concern me if there was no advanced notice of the policy, and i...
by student
Sun Jun 13, 2021 11:06 am
Forum: Investing - Theory, News & General
Topic: TIAA White Paper on Fixed Annuities and SPIAs in Retirement Portfolios
Replies: 107
Views: 6383

Re: TIAA White Paper on Fixed Annuities and SPIAs in Retirement Portfolios

At least one reply above mentioned that TIAA wants to convince institutions to move away from the 3% guarantee product. It is true. In current interest rate environment it is tough for TIAA to maintain it. For whatever reasons, our university decided to hire a consultant to review our 403B offering...
by student
Sun Jun 13, 2021 9:24 am
Forum: Investing - Theory, News & General
Topic: TIAA White Paper on Fixed Annuities and SPIAs in Retirement Portfolios
Replies: 107
Views: 6383

Re: TIAA White Paper on Fixed Annuities and SPIAs in Retirement Portfolios

At least one reply above mentioned that TIAA wants to convince institutions to move away from the 3% guarantee product. It is true. In current interest rate environment it is tough for TIAA to maintain it. For whatever reasons, our university decided to hire a consultant to review our 403B offering...
by student
Sun Jun 13, 2021 8:23 am
Forum: Investing - Theory, News & General
Topic: TIAA White Paper on Fixed Annuities and SPIAs in Retirement Portfolios
Replies: 107
Views: 6383

Re: TIAA White Paper on Fixed Annuities and SPIAs in Retirement Portfolios

At least one reply above mentioned that TIAA wants to convince institutions to move away from the 3% guarantee product. It is true. In current interest rate environment it is tough for TIAA to maintain it. For whatever reasons, our university decided to hire a consultant to review our 403B offering...
by student
Sun Jun 13, 2021 6:01 am
Forum: Investing - Theory, News & General
Topic: TIAA White Paper on Fixed Annuities and SPIAs in Retirement Portfolios
Replies: 107
Views: 6383

Re: TIAA White Paper on Fixed Annuities and SPIAs in Retirement Portfolios

At least one reply above mentioned that TIAA wants to convince institutions to move away from the 3% guarantee product. It is true. In current interest rate environment it is tough for TIAA to maintain it. For whatever reasons, our university decided to hire a consultant to review our 403B offerings...
by student
Sun Jun 13, 2021 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Medical service provider asks for consent to pursue insurance company
Replies: 71
Views: 5175

Re: Medical service provider asks for consent to pursue insurance company

I’d be inclined to send the consent form to my insurance company, asking them if I should sign it. I think we know what their answer would be, if they respond at all. I’m the meantime, if I’m asked by the service provider why I haven’t returned it, I’d just tell them I’m waiting for my insurance co...
by student
Sun Jun 06, 2021 10:02 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on a hotel per night on a family vacation?
Replies: 104
Views: 8800

Re: How much do you spend on a hotel per night on a family vacation?

We favor Embassy Suites (generally $120 - $250 nightly) specifically because their included breakfast buffet (at least in the past) has been an extraordinary value and saves us a lot of time versus a separate daily breakfast stop. I would be happy with Motel 6 and a quick stop at McDonalds, spouse ...
by student
Sat Jun 05, 2021 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Chase You Invest
Replies: 16
Views: 1927

Re: Chase You Invest

Hasn't this been rebranded as JP Morgan Self Directed investing? Or are they different products? I've considered Chase as a one-stop-shop but I've read that Chase checking can have issues with ACH transfers. The investing side sounds great though, as they apparently allow you to purchase Vanguard m...
by student
Wed Jun 02, 2021 7:20 am
Forum: Personal Consumer Issues
Topic: Contacting Expedia nightmare
Replies: 15
Views: 1833

Re: Contacting Expedia nightmare

Last year was the last time I will ever book through a 3rd party website. I'm curious why people book through a middle man like this? I have always gone to the airline website and found the same flights and prices. I recently found out there is still such a thing as a "travel agent" despi...
by student
Wed Jun 02, 2021 7:16 am
Forum: Personal Investments
Topic: Loser at 55???
Replies: 41
Views: 8234

Re: Loser at 55???

You are not a loser. Your net pay is higher than my gross pay. Actually, it is higher than the gross pay of all my colleagues in the department. Like others have said, I do not understand why you are keeping the cash.
by student
Mon May 31, 2021 6:42 pm
Forum: Investing - Theory, News & General
Topic: What percentage of your portfolio is active?
Replies: 138
Views: 7971

Re: What percentage of your portfolio is active?

About 15% of equity, mostly from long time ago.
by student
Mon May 31, 2021 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Why do credit card companies want my business?
Replies: 40
Views: 3259

Re: Why do credit card companies want my business?

Interesting. I go to 2 different pizza shops near me. Both prominently post signs saying they charge a fee for using credit cards. I've done the math. I make more still using credit at both. Both charge a number amount, not a percentage. I think they were not allowed to this until several years ago...
by student
Mon May 31, 2021 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Altruistic companies to work for?
Replies: 37
Views: 3341

Re: Altruistic companies to work for?

Perhaps you can continue to work for a company that pays you well and donate more to charity that you like.
by student
Mon May 31, 2021 6:27 pm
Forum: Personal Investments
Topic: At 59, should I be more conservative?
Replies: 27
Views: 3605

Re: At 59, should I be more conservative?

I dont make a lot of money at all....my salary is a measly 70K. Like I stated, no debt, NO mortgage. SS would be around $3000/mo if I wait to age 70. My EF is in addition to my retirement and is 47K. I have NO expenses except for utilities, property taxes, etc. $70,000 is already the median househo...
by student
Mon May 31, 2021 7:54 am
Forum: Personal Consumer Issues
Topic: Amazon Sidewalk, Use Your Neighbor's Internet for Free
Replies: 84
Views: 10150

Re: Amazon Sidewalk, Use Your Neighbor's Internet for Free

A few years ago Xfinity sent my a new router, no chage. Since cable companies are not known for their generosity i did some digging and found out that i would be sharing my internet connection with any Xfinity customer within range. I sent the router back, but most of my neighbors are participating...
by student
Fri May 28, 2021 4:45 pm
Forum: Personal Investments
Topic: Is CREF equity index account (r2) a good investment?
Replies: 7
Views: 603

Re: Is CREF equity index account (r2) a good investment?

It is a fund that follows the Russell 3000. 22 bp is ok but of course, cheaper the better. So if you can get index fund cheaper elsewhere, then get it elsewhere. These days, I am only interested in TIAA Traditional.
by student
Thu May 27, 2021 6:05 am
Forum: Personal Investments
Topic: How to know performance!? Schwab
Replies: 9
Views: 824

Re: How to know performance!? Schwab

I believe that brokerage companies are not required to keep cash dividend history for so long but required to keep your cost basis since they are purchased since 2012. Hence you see the cost basis with 1000 dollars capital loss. You can also specific which shares to sell if you don't want to sell al...
by student
Wed May 26, 2021 9:05 pm
Forum: Investing - Theory, News & General
Topic: Thieves stealing retirement funds - news article
Replies: 136
Views: 11458

Re: Thieves stealing retirement funds - news article

I check at least 1-2 per week especially right after workplace deductions occur. I have identified a few errors over the years due to accounting. But I was most saved by this OCD habit when I detected my employer from a former job took 4K out of my 401k as a “distribution” and took a vacation to Ca...
by student
Wed May 26, 2021 6:06 pm
Forum: Personal Consumer Issues
Topic: How should I handle how my customer / store issue?
Replies: 43
Views: 3577

Re: How should I handle how my customer / store issue?

I agree that file charge back right away.
by student
Wed May 26, 2021 6:04 pm
Forum: Investing - Theory, News & General
Topic: Thieves stealing retirement funds - news article
Replies: 136
Views: 11458

Re: Thieves stealing retirement funds - news article

I really don't understand how people do not have email/text alerts of transactions that happen in their investment accounts. It sounds like these people did not, and Fidelity initially refused to cooperate because it was beyond 30 days after the incident. The first thing an imposter does is change ...
by student
Wed May 26, 2021 3:08 pm
Forum: Personal Consumer Issues
Topic: Gambled on a trip to Europe
Replies: 59
Views: 7051

Re: Gambled on a trip to Europe

I read this thread with interest. I have hotel vouchers that is expiring in December. Please do let us know your experience.
by student
Mon May 24, 2021 8:20 am
Forum: Personal Consumer Issues
Topic: MacBook Pro replacement
Replies: 93
Views: 6927

Re: MacBook Pro replacement

You may find this helpful regrading a sale.

https://www.macrumors.com/2021/05/24/de ... ook-air-2/
by student
Sun May 23, 2021 4:00 pm
Forum: Personal Consumer Issues
Topic: MacBook Pro replacement
Replies: 93
Views: 6927

Re: MacBook Pro replacement

I have a 2012 macbook pro which I have not used for a long time. It is too slow but mainly due to the hard drive. I believe the 2012 macbook pro still has a good enough chip and it is the last macbook pro that can "easily" be upgraded. If you are willing to invest the time, you can replac...
by student
Sun May 23, 2021 3:10 pm
Forum: Personal Consumer Issues
Topic: MacBook Pro replacement
Replies: 93
Views: 6927

Re: MacBook Pro replacement

I have a 2012 macbook pro which I have not used for a long time. It is too slow but mainly due to the hard drive. I believe the 2012 macbook pro still has a good enough chip and it is the last macbook pro that can "easily" be upgraded. If you are willing to invest the time, you can replace...
by student
Sat May 22, 2021 5:17 pm
Forum: Forum Issues and Administration
Topic: [Resolved!] Post has vanished...
Replies: 18
Views: 1269

Re: Help! Post has vanished...

Are you sure you clicked Submit? Sometimes when I'm previewing a long post several times I'll forget to click the Submit button when I'm all done. But I learned my lesson. Now I do the long ones in Word or Google Docs first and they copy it into my reply. :thumbsup I should have done that. But it r...
by student
Sat May 22, 2021 5:11 pm
Forum: Forum Issues and Administration
Topic: [Resolved!] Post has vanished...
Replies: 18
Views: 1269

Re: Help! Post has vanished...

See if you can copy it from google's cache before it gets overlaid. https://webcache.googleusercontent.com/search?q=cache:SPbM3FHGT8YJ:https://www.bogleheads.org/forum/viewtopic.php%3Ff%3D2%26t%3D349494%26p%3D6022851+&cd=1&hl=en&ct=clnk&gl=us Don't repost yet. Email a moderator. Ron...
by student
Fri May 21, 2021 8:34 am
Forum: Personal Finance (Not Investing)
Topic: unreported FICA tax for severance pay
Replies: 17
Views: 1312

Re: unreported FICA tax for severance pay

This thread peaks my interest to do a google search. It is very surprising that there were different court rulings regarding whether severance pay is subject to FICA until it was settled by the Supreme Court in the last decade. https://www.thetaxadviser.com/issues/20 ... aug14.html
by student
Thu May 20, 2021 11:43 am
Forum: Personal Consumer Issues
Topic: Suits (for work) - where and what brands?
Replies: 49
Views: 4115

Re: Suits (for work) - where and what brands?

snailderby wrote: Thu May 20, 2021 11:16 am
SmokeyAbe wrote: Sat May 15, 2021 5:27 pm http://alaindupetit.com

Amazing prices, solid quality.
Wow. $39 suit?
Yes, Unbelievable even though it is polyester.
by student
Wed May 19, 2021 8:54 pm
Forum: Personal Investments
Topic: Does a walk-in office have any value?
Replies: 23
Views: 2624

Re: Does a walk-in office have any value?

Since I started investing I have always used Vanguard. I have never had any issues that I recall however now that I am older and have large (to me) portfolio, I am wondering if a walk-in office where I can easily interact with someone in person has any value? Schwab has an office near my house as d...
by student
Wed May 19, 2021 8:51 pm
Forum: Personal Investments
Topic: Can you have too much funds in 401/403/457 accounts?
Replies: 22
Views: 2536

Re: Can you have too much funds in 401/403/457 accounts?

3) Assuming non-spouse non-minor heirs, they will have to withdraw everything within 10 years. How much they withdraw each year, from $0 to all of it, is up to them but it all must be withdrawn within 10 years. I thought there is an exception: when the heir is not more than 10 years younger than th...
by student
Wed May 19, 2021 8:05 pm
Forum: Personal Investments
Topic: Can you have too much funds in 401/403/457 accounts?
Replies: 22
Views: 2536

Re: Can you have too much funds in 401/403/457 accounts?

3) Assuming non-spouse non-minor heirs, they will have to withdraw everything within 10 years. How much they withdraw each year, from $0 to all of it, is up to them but it all must be withdrawn within 10 years. I thought there is an exception: when the heir is not more than 10 years younger than th...
by student
Wed May 19, 2021 4:43 pm
Forum: Personal Consumer Issues
Topic: Low cost US cellular plan covering Canada
Replies: 10
Views: 603

Re: Low cost US cellular plan covering Canada

Thanks for the suggestions. I was thinking about T-Mobile. looking at their coverage map it looks like about 80% of Saint John is covered, but I think my daughter's apartment will be in the other 20% (not sure yet). I'll look into Cricket and Mint also. Note that tmobile has a nice old geezer plan....
by student
Tue May 18, 2021 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my condo?
Replies: 15
Views: 1440

Re: Should I sell my condo?

I would sell. Too much hassle for being a landlord.
by student
Tue May 18, 2021 2:03 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Announces new Youth Account]
Replies: 46
Views: 3454

Re: Teens can trade for free with fidelity

sschoe2 wrote: Tue May 18, 2021 1:15 pm As long as they can't gamble away their college fund because the folks on reddit/r/wallstreetbets told them to put it all in $GME Gamestop stock.
True and funny. On the other hand, they could make a million... Too risky.
by student
Tue May 18, 2021 7:25 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2944
Views: 469956

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Anyone aware of how long we have to keep funds in the account/brokerage for the Chase CPC $2k bonus offer? I'd like to consolidate and drop below CPC minimums, but above the Sapphire Checking level. My understanding is 90 days. You get you bonus and you can move money away. However, note that if yo...
by student
Mon May 17, 2021 9:11 pm
Forum: Personal Consumer Issues
Topic: Roku - Last Ditch Effort
Replies: 23
Views: 2896

Re: Roku - Last Ditch Effort

mattsm wrote: Mon May 17, 2021 8:56 pm Hello,

If you are able I would hotspot with your phone and see if it connects that way. Then let the device update and see if it will work with your Wifi again after that.

-Matthew
This is a very good suggestion.
by student
Mon May 17, 2021 8:55 pm
Forum: Personal Consumer Issues
Topic: Roku - Last Ditch Effort
Replies: 23
Views: 2896

Re: Roku - Last Ditch Effort

If the router is an issue, perhaps getting your own router and use a daisy chain arrangement but it could be tricky.
by student
Mon May 17, 2021 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Paying Cash to Babysitter. Can i claim childcare credit
Replies: 18
Views: 2057

Re: Paying Cash to Babysitter. Can i claim childcare credit

From https://www.investopedia.com/terms/n/nanny-tax.asp "The nanny tax does not apply if the babysitter is the taxpayer's parent or spouse or if the babysitter is under the age of 18 and is not primarily engaged in the household employment profession." Given the babysitter is working 30 h...
by student
Mon May 17, 2021 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Paying Cash to Babysitter. Can i claim childcare credit
Replies: 18
Views: 2057

Re: Paying Cash to Babysitter. Can i claim childcare credit

From https://www.investopedia.com/terms/n/nanny-tax.asp "The nanny tax does not apply if the babysitter is the taxpayer's parent or spouse or if the babysitter is under the age of 18 and is not primarily engaged in the household employment profession." OP: You may be ok on this issue if th...