Search found 5530 matches

by student
Tue Jul 27, 2021 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: How close am I to early retirement?
Replies: 16
Views: 1707

Re: How close am I to early retirement?

It seems that you are ready to retire unless disaster strikes. I am very surprise that PC says no.
by student
Tue Jul 27, 2021 3:30 pm
Forum: Personal Consumer Issues
Topic: How to become an Adjunct Professor?
Replies: 32
Views: 1705

Re: How to become an Adjunct Professor?

You can simply send your cv/resume to the chair/head of the department. When I was the chair/head of my department, I received such cv/resume a few times a year and I interviewed all the candidates. However, the pay is likely bad, especially if a place does not have a union. There are exceptions, of...
by student
Tue Jul 27, 2021 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Not All ATM Fees Are Reimbursed By Fidelity (Problem Resolved)
Replies: 32
Views: 2151

Re: Not All ATM Fees Are Reimbursed By Fidelity...

PURCHASE" got recategorized as "CASH ADVANCE ATM" on Sunday, and then I saw the ATM rebate last night! Apparently I just needed to have waited and the customer service rep. I spoke with didn't know that it could a few days the first time a customer incurs and ATM fee. You may want to...
by student
Tue Jul 27, 2021 1:05 pm
Forum: Personal Investments
Topic: Stable value fund or TBM+stable value fund?
Replies: 42
Views: 2415

Re: Stable value fund or TBM+stable value fund?

Small follow-up - I did speak to my 401K plan. Not a particularly enlightening call. They did confirm that the Neuberger Berman Total Bond Market fund is an index fund. I have never heard anything on these boards about the Neuberger Berman group, which in all honesty makes me a bit nervous. I have ...
by student
Mon Jul 26, 2021 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Are Private Universities Worth It Compared to State Universities?
Replies: 151
Views: 8207

Re: Are Private Universities Worth It Compared to State Universities?

You may be interested in this thread. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=200269&p=3066874&hilit=Ivy+league#p3066874 UC is an excellent system. Unless is money is no object, I will stick with UC. Thanks. I agree UC is a great university system. But the problem is that g...
by student
Mon Jul 26, 2021 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Are Private Universities Worth It Compared to State Universities?
Replies: 151
Views: 8207

Re: Are Private Universities Worth It Compared to State Universities?

You may be interested in this thread. viewtopic.php?f=2&t=200269&p=3066874&hi ... e#p3066874

UC is an excellent system. Unless is money is no object, I will stick with UC.
by student
Mon Jul 26, 2021 6:41 am
Forum: Non-US Investing
Topic: USA expat and foreign taxes on unearned income
Replies: 4
Views: 459

Re: USA expat and foreign taxes on unearned income

I have not heard of any country (at least countries that I would consider visiting) taxing tourists for income. The US will do it - have you been there? Canadians who spend the winter in the US (allowed 6 months) can become subject to US tax. It takes less time than that too if you do it yearly the...
by student
Sun Jul 25, 2021 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Child starting at USF (University South Florida). Retirement option companies suggestions???
Replies: 7
Views: 946

Re: Child starting at USF (University South Florida). Retirement option companies suggestions???

TIAA is fine. USF is a big place, so he will get the best ER for their offerings. For example, 0.17% ER for its index (Russell 3000) annuity. It may even include institutional version, which ER will be competitive to Vanguard. Also TIAA has its unique Traditional (stable value) and Real Estate, whic...
by student
Sun Jul 25, 2021 6:25 pm
Forum: Non-US Investing
Topic: USA expat and foreign taxes on unearned income
Replies: 4
Views: 459

Re: USA expat and foreign taxes on unearned income

I have not heard of any country (at least countries that I would consider visiting) taxing tourists for income.
by student
Sun Jul 25, 2021 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Class-action Lawsuit Against a Mutual Fund
Replies: 23
Views: 2412

Re: Class-action Lawsuit Against a Mutual Fund

FWIW: At quick glance, I do see the ER of this fund is 20 basis points which is high without a doubt (multiple of what other firms like Schwab, Vanguard, etc. would charge for a similar broad market US index fund). Therefore, performance has been impacted vs. the benchmark (per Schwab performance r...
by student
Sun Jul 25, 2021 3:10 pm
Forum: Personal Investments
Topic: Should I Rebalence
Replies: 8
Views: 909

Re: Should I Rebalence

I would also say yes especially since there are no tax consequences.
by student
Sun Jul 25, 2021 2:07 pm
Forum: Personal Investments
Topic: Will Vanguard move funds on your behalf?
Replies: 13
Views: 1014

Re: Will Vanguard move funds on your behalf?

My experience with taxable accounts and IRA accounts, you can just ask the receiving brokerage to start the process. It is easy unless the current account contains investments that cannot be transferred.
by student
Sun Jul 25, 2021 2:05 pm
Forum: Investing - Theory, News & General
Topic: American Express New Financial Planning Tool
Replies: 3
Views: 700

Re: American Express New Financial Planning Tool

I also went to Bodeswell and tried it myself. I do not like it. I prefer the ones from Fidelity and Personal Capital.
by student
Sun Jul 25, 2021 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Should I dispute charge or just hope for best
Replies: 7
Views: 1062

Re: Should I dispute charge or just hope for best

I agree that it is odd that they purchased the paint but don't plan on being able to do the work for another couple of months. Do you have the communications with the company about getting to it "this fall" in writing? If not, I'd recommend you confirm by email, something along the lines ...
by student
Sat Jul 24, 2021 9:34 pm
Forum: Spain
Topic: Dollars to Euros
Replies: 28
Views: 1410

Re: Dollars to Euros

A number of places reimburse ATM fees internationally and the exchange rate is good. Fidelity, Schwab, Chase Sapphire checking, Ally. See https://upgradedpoints.com/finance/best ... -atm-fees/
by student
Sat Jul 24, 2021 7:35 pm
Forum: Personal Consumer Issues
Topic: Car Alignment - Necessary?
Replies: 18
Views: 1803

Re: Car Alignment - Necessary?

I did alignment once and I consider it a ripoff in that case. It was my own fault. They suggested alignment since I put on new tires, I agreed. Afterward, I saw the printout, the data before and after the alignment, and I believe it was a ripoff since the delta was small. You may want to ask them to...
by student
Sat Jul 24, 2021 7:32 pm
Forum: Personal Consumer Issues
Topic: Home security - what do you do? Wyze Security System?
Replies: 11
Views: 845

Re: Home security - what do you do? Wyze Security System?

I have the Wyze system for a couple of months. It is working. I will most likely continue the subscription.
by student
Sat Jul 24, 2021 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 980
Views: 196987

Re: Bank of America/Merrill Edge - Preferred Rewards

As I noted above, you no longer lose benefits as the only benefit that one used to lose is the free trades but it is not relevant anymore, as everyone gets free trades. However one does gain benefits. See https://i.imgur.com/t6wUnJc.png which is a summary from several years ago when free trades wer...
by student
Sat Jul 24, 2021 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Term life Vs. whole life
Replies: 64
Views: 4482

Re: Term life Vs. whole life

anon_investor wrote: Sat Jul 24, 2021 7:17 am
StevieG72 wrote: Sat Jul 24, 2021 7:15 am RUN from whole life policies! They person that sells it to you gets a HUGE commission so there is a conflict of interest.
+1.
+2.
by student
Sat Jul 24, 2021 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgages in Canada
Replies: 2
Views: 288

Re: Mortgages in Canada

Have you looked at https://www.finiki.org/wiki/Main_Page which many refer to as our sister site for Canadians?
by student
Sat Jul 24, 2021 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 980
Views: 196987

Re: Bank of America/Merrill Edge - Preferred Rewards

i signed up for merrill the moment i found out about preferred awards, which was like 5-6 years ago. they easily have the best cashback credit cards in the industry -- it's not even close. they call me once a year to try to upsell, but other than the 2 minute thanks but no thanks response they leav...
by student
Sat Jul 24, 2021 9:38 am
Forum: Personal Investments
Topic: Employer to only match while using financial advisor/firm
Replies: 92
Views: 5541

Re: Employer to only match while using financial advisor

Welcome to the forum. :happy I think you've over-stated the dollar amount in your example, by a factor of 10. 3% of $100 is $3, not $30. I would completely avoid this arrangement as it's nearly certain to be a money loser for your fiance. If you want more considered responses, please edit your post...
by student
Sat Jul 24, 2021 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 980
Views: 196987

Re: Bank of America/Merrill Edge - Preferred Rewards

i signed up for merrill the moment i found out about preferred awards, which was like 5-6 years ago. they easily have the best cashback credit cards in the industry -- it's not even close. they call me once a year to try to upsell, but other than the 2 minute thanks but no thanks response they leav...
by student
Fri Jul 23, 2021 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 980
Views: 196987

Re: Bank of America/Merrill Edge - Preferred Rewards

I opened a BoA checking account just to qualify for the PR program. I just keep $50 in that checking account. Do they wait the monthly fee on the checking for having $100k in a ME account? Yes. You don't even need $100k. Gold level is enough for them to waive fees on up to 4 checking/saving accounts.
by student
Fri Jul 23, 2021 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring Early Just on Savings (i.e. No Significant Pension or SS) mitigating market risks
Replies: 36
Views: 5253

Re: Retiring Early Just on Savings (i.e. No Significant Pension or SS) mitigating market risks

Wanderingwheelz wrote: Fri Jul 23, 2021 6:53 am In other words, if I end up in trouble, Americans in my cohort are in HUGE trouble because I am better prepared than average and I’m also more savvy than average. My wife jokes in a nuclear holocaust it’ll be me and the cockroaches that are left. (I don’t laugh.)
This is so funny.
by student
Fri Jul 23, 2021 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 980
Views: 196987

Re: Bank of America/Merrill Edge - Preferred Rewards

I think you'll need to open up a BofA bank account and Merrill brokerage account, which often offer bonuses for transfers (not sure if it has to be cash or transferred equities would count). The BofA side calculates your rolling 3 month average once a month, so it takes some time to hit status tier...
by student
Fri Jul 23, 2021 4:52 pm
Forum: Personal Investments
Topic: Are fiduciary's actually trustworthy?
Replies: 58
Views: 4577

Re: Are fiduciary's actually trustworthy?

k8n wrote: Fri Jul 23, 2021 4:20 pm He made many different suggestions, but one of the suggestions he made was to invest in whole life insurance.
That's a signal that he doesn't have your best interest.
by student
Fri Jul 23, 2021 7:34 am
Forum: Investing - Theory, News & General
Topic: "Target-Date Deep Dive: Vanguard" by Morningstar
Replies: 55
Views: 5262

Re: "Target-Date Deep Dive: Vanguard" by Morningstar

I think Vanguard's target fund is great, much better than its PAS offerings.
by student
Thu Jul 22, 2021 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Submit a car insurance claim or not
Replies: 17
Views: 1457

Re: Submit a car insurance claim or not

I probably would not file a claim. But it might be a good opportunity to review your levels of insurance, including your deductibles. Every time I talk with my insurance agent, I learn something and it is always a good refresher about why I actually have insurance. For me, it is not for things that...
by student
Thu Jul 22, 2021 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 980
Views: 196987

Re: Bank of America/Merrill Edge - Preferred Rewards

Anyone operating their BH portfolio with Merrill Edge? In theory, if I do that then I'd always have 100K+, unless I frontload withdrawals using high-percentage methods. I hold VTI and VXUS at Merrill Edge to qualify for the Platinum Honors level rewards. No fees, no interactions with anybody, nada....
by student
Thu Jul 22, 2021 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Splitting inheritance among heirs with unequal IRA beneficiary
Replies: 35
Views: 2716

Re: Splitting inheritance among heirs with unequal IRA beneficiary

Lee_WSP wrote: Thu Jul 22, 2021 5:30 pm Another option is to disclaim everything else and keep the IRA.
This seems to be the most straightforward and involves the least hassles.
by student
Thu Jul 22, 2021 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Splitting inheritance among heirs with unequal IRA beneficiary
Replies: 35
Views: 2716

Re: Splitting inheritance among heirs with unequal IRA beneficiary

Sit everyone down, explain the situation and what you’d like to happen and see what everyone wants to do. The IRA has passed outside the estate and is currently beyond the reach of the executor. Disclaiming may have unintended consequences, so you should pay for expert advice on that. Giving some o...
by student
Thu Jul 22, 2021 2:20 pm
Forum: Personal Consumer Issues
Topic: Virtual Personal Assistant
Replies: 5
Views: 395

Re: Virtual Personal Assistant

123 wrote: Thu Jul 22, 2021 2:13 pm This is what spouses or significant others are for.

They are unstoppable. They will also think of things you need to buy or do that you haven't dreamed of yet.
This is so funny.
by student
Thu Jul 22, 2021 7:37 am
Forum: Personal Consumer Issues
Topic: How Long For CC Refund
Replies: 21
Views: 1193

Re: How Long For CC Refund

If it is not a large amount and you shop at Amazon often, it may be easier to have the entire amount refunded to the gift card. Yes. They can do it even if you pay with credit card.
by student
Thu Jul 22, 2021 5:55 am
Forum: Personal Investments
Topic: What are the Vanguard ETF fees on Fidelity?
Replies: 12
Views: 1046

Re: What are the Vanguard ETF fees on Fidelity?

The most recent JD Power survey had Vanguard as the top rated for customer satisfaction. JD Power also has Edward Jones ranked highest in investor satisfaction among full-service firms in 2021, and I doubt bogleheads have high opinions on EJ. Please note that this is not a statement against Vanguar...
by student
Wed Jul 21, 2021 3:48 pm
Forum: Personal Investments
Topic: Stable value fund or TBM+stable value fund?
Replies: 42
Views: 2415

Re: Stable value fund or TBM+stable value fund?

The Blended Yield of the stable value fund is 2.41%. From the literature: "Blended yield is a weighted combination of the crediting rates earned by wrap contracts and the interest earned by cash and US savings bonds." In an earlier post, you mentioned that you cannot find a guaranteed rat...
by student
Tue Jul 20, 2021 12:57 pm
Forum: Personal Investments
Topic: Stable value fund or TBM+stable value fund?
Replies: 42
Views: 2415

Re: Stable value fund or TBM+stable value fund?

I also like stable value fund as my "bond" portion is almost exclusively TIAA Traditional. All flavors (except IRA) of TIAA Traditional have an annual average return of 3%+ over the past 10 years, which is comparable to TBM. I think a good stable value fund should have return at least just...
by student
Mon Jul 19, 2021 7:22 pm
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones
Replies: 33
Views: 2387

Re: Noise cancelling headphones

I have the Bose 700. It is very comfortable and noise cancelling is great. I also have https://www.amazon.com/Noise-Cancelling-Headphones-Cancellation-High-fidelity-Transparency/dp/B08KHTJL1F/ref=sr_1_1_sspa?dchild=1&gclid=EAIaIQobChMI3vPtzbDw8QIVW21vBB0cbQm9EAAYASAAEgIMLPD_BwE&hvadid=470420...
by student
Mon Jul 19, 2021 7:20 pm
Forum: Personal Consumer Issues
Topic: Amazon Change in Terms?
Replies: 8
Views: 1456

Re: Amazon Change in Terms?

It is from Amazon.
by student
Sun Jul 18, 2021 6:48 pm
Forum: Personal Consumer Issues
Topic: Need to Replace a Macbook Air. Recommendations?
Replies: 40
Views: 2921

Re: Need to Replace a Macbook Air. Recommendations?

I have the Macbook Air with M1 chip with 16GB RAM. No fan noise.
by student
Sun Jul 18, 2021 4:42 pm
Forum: Non-US Investing
Topic: Is a fiduciary/finance advisor worth it? [EU]
Replies: 11
Views: 1035

Re: Is a fiduciary/finance advisor worth it? [EU]

It's because the difference in price is huge, the premium service costs almost 2% of our portfolio per year (a couple of thousand € per year in our case!), compared to "only" a couple of hundred € per year for the basic service. I stop reading after seeing it costs 2%. That's too much...
by student
Fri Jul 16, 2021 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 980
Views: 196987

Re: Bank of America/Merrill Edge - Preferred Rewards

Stch wrote: Fri Jul 16, 2021 11:28 am I'm in a similar spot. I just got the Travel Rewards card last month, and haven't even received the first monthly statement yet. Hopefully I will be able to change it over to the new card.
I think most issuers require you wait one year before a product change.
by student
Thu Jul 15, 2021 5:36 pm
Forum: Investing - Theory, News & General
Topic: TIAA in the News Today [Fined $9M, $97M restitution for steering customers into high fee accounts]
Replies: 59
Views: 5039

Re: TIAA in the News Today [Fined $9M, $97M restitution for steering customers into high fee accounts]

I remember a story (from the late 1990s?) in Money magazine about TIAA-CREF. Their then-President, John Biggs, was on the magazine’s cover. I think it was right around the time that TIAA-CREF introduced retail mutual funds. I also recall- don’t know if it was in that article or elsewhere- John Bogl...
by student
Thu Jul 15, 2021 2:45 pm
Forum: Investing - Theory, News & General
Topic: TIAA in the News Today [Fined $9M, $97M restitution for steering customers into high fee accounts]
Replies: 59
Views: 5039

Re: TIAA in the News Today

There's a thread about the 403(b) class-action lawsuits: about them: https://www.bogleheads.org/forum/viewtopic.php?t=197130 Although the only case that made it to trial was won by the university and upheld on appeal, the plaintiffs have been able to obtain very favorable settlements from the other...
by student
Thu Jul 15, 2021 2:39 pm
Forum: Investing - Theory, News & General
Topic: TIAA in the News Today [Fined $9M, $97M restitution for steering customers into high fee accounts]
Replies: 59
Views: 5039

Re: TIAA in the News Today [Fined $97M for steering customers into high fee accounts]

5) Complaints about CREF annuity funds having higher ER than mutual funds. Yes this is true. It may be due to the extra cost due to one's ability to annualize. One way to get around this is to invest in its corresponding institutional mutual fund and then move to CREF if one wants to annualize. The...
by student
Thu Jul 15, 2021 2:11 pm
Forum: Investing - Theory, News & General
Topic: TIAA in the News Today [Fined $9M, $97M restitution for steering customers into high fee accounts]
Replies: 59
Views: 5039

Re: TIAA in the News Today

I wonder what TIAA offered my employer for the business? Or, why they didn't go with Vanguard? I know there had been lawsuits which my employer responded to with the decision to offer only TIAA. There's a thread about the 403(b) class-action lawsuits: about them: https://www.bogleheads.org/forum/vi...
by student
Thu Jul 15, 2021 12:44 pm
Forum: Investing - Theory, News & General
Topic: TIAA in the News Today [Fined $9M, $97M restitution for steering customers into high fee accounts]
Replies: 59
Views: 5039

Re: TIAA in the News Today

I wonder what TIAA offered my employer for the business? Or, why they didn't go with Vanguard? I know there had been lawsuits which my employer responded to with the decision to offer only TIAA. There's a thread about the 403(b) class-action lawsuits: about them: https://www.bogleheads.org/forum/vi...
by student
Thu Jul 15, 2021 12:39 pm
Forum: Investing - Theory, News & General
Topic: TIAA in the News Today [Fined $9M, $97M restitution for steering customers into high fee accounts]
Replies: 59
Views: 5039

Re: TIAA in the News Today

I think the payout from CREF depends on the return of the investments. Since stock is doing better, the payout is higher. In terms of the pool of annuitants, I don't think it restricts to one institution but it is a pool of all customers (annuitants). It wouldn't work if each college formed its own...