Search found 5396 matches

by student
Wed May 05, 2021 8:34 pm
Forum: Personal Investments
Topic: Fidelity says I am in good shape with a 5% withdrawal. Living to 85 starting at 55. What do you think?
Replies: 41
Views: 5579

Re: Fidelity says I am in good shape with a 5% withdrawal. Living to 85 starting at 55. What do you think?

If you have an account at Fido, you can access their planning tools, which are far more sophisticated. I like the tool and I think Fidelity let you create a guest account to use it. https://www.fidelity.com/calculators-tools/retirement-planning-and-guidance In my experience, it is similar to the on...
by student
Tue May 04, 2021 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Citibank Bonus Offer
Replies: 34
Views: 2978

Re: Experience with Citibank Bonus Offer

Just a follow-up on my experience. I did (after contacting customer service and filing a complaint with the CFPB) get the bonus credited to my account. No real apology from Citi's "Executive Response Unit" - just "we're sorry for any inconvenience that this issue may have caused.&quo...
by student
Tue May 04, 2021 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Citibank Bonus Offer
Replies: 34
Views: 2978

Re: Experience with Citibank Bonus Offer

Citi apparently has a fraud-prevention "feature" that prevents you from withdrawing more than $15K in a rolling 30-day period (keeping the funds for over 30 days would expose the account to minimum balance fees). Per their regular customer service rep, this can't be waived for any reason,...
by student
Tue May 04, 2021 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Thinking about parking $30k with Morgan Stanley for a free Amex Plat Card
Replies: 65
Views: 13056

Re: Thinking about parking $30k with Morgan Stanley for a free Amex Plat Card

dcdcdc724 wrote: Tue May 04, 2021 12:34 am I just opened my Access Investing account the other day, I have not yet moved money but have linked external accts. I plan to call in the morning to try and open the Cashplus account, hopefully I am not given a run around.
Please do give us updates. Thanks.
by student
Mon May 03, 2021 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Chase's new instant transfer feature
Replies: 4
Views: 1562

Re: Chase's new instant transfer feature

I just found out about this today and it worked.
by student
Mon May 03, 2021 3:57 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1800
Views: 152596

Re: Coronavirus (Consumer Issues) How you are preparing?

Amazon now has 3M N95 masks in stock that are sold by Amazon. $42 for 50. I don't know whether it is allowed to post such a link, so I am am skipping the link. I am sure you can find it on Amazon. Model number 9010. Here is the link to 3M. https://www.3m.com/3M/en_US/company-us/all-3m-products/~/3M-...
by student
Thu Apr 29, 2021 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about parking $30k with Morgan Stanley for a free Amex Plat Card
Replies: 65
Views: 13056

Re: Thinking about parking $30k with Morgan Stanley for a free Amex Plat Card

I think it is worth signing up for Morgan Stanley Amex Platinum and Platinum CashPlus account but not worth parking the 30k. For me I have 100k locked up at Merrill Edge for BOA Platinum Honors benefits so I don't have the 250k to also get Schwab discount (close but not yet). Even if I did, I like ...
by student
Thu Apr 29, 2021 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about parking $30k with Morgan Stanley for a free Amex Plat Card
Replies: 65
Views: 13056

Re: Thinking about parking $30k with Morgan Stanley for a free Amex Plat Card

Recently I moved over the minimum $5,000 to open a Morgan Stanley Access Investing account (robo investing). Fees are 0.35% robo advisor fee plus index ETF expense ratios in a 75% equities 25% fixed income allocation. Is it possible to specify that you want 100% fixed income allocation? I don't wan...
by student
Thu Apr 29, 2021 9:59 am
Forum: Investing - Theory, News & General
Topic: 2021 JD Power study: Vanguard ranks highest in customer satisfaction
Replies: 59
Views: 3409

Re: 2021 JD Power study: Vanguard ranks highest in customer satisfaction

JD Power also ranks EJ highest in full-service Investor Satisfaction Survey. https://www.jdpower.com/business/press-releases/2021-us-full-service-investor-satisfaction-study. It is best to decide based on one's own experience. This isn't wrong, though. They're not rating on cost or results, but on ...
by student
Thu Apr 29, 2021 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Morgan Stanley Accounts
Replies: 1
Views: 207

Re: Morgan Stanley Accounts

Some think that this is a good idea to have account there just to get the AMEX card but just keep the minimum there.

See viewtopic.php?t=318069
by student
Thu Apr 29, 2021 9:05 am
Forum: Investing - Theory, News & General
Topic: 2021 JD Power study: Vanguard ranks highest in customer satisfaction
Replies: 59
Views: 3409

Re: 2021 JD Power study: Vanguard ranks highest in customer satisfaction

JD Power also ranks EJ highest in full-service Investor Satisfaction Survey. https://www.jdpower.com/business/press- ... tion-study.

It is best to decide based on one's own experience.
by student
Wed Apr 28, 2021 10:55 am
Forum: Personal Investments
Topic: Wish I could quit Vanguard for poor customer service
Replies: 151
Views: 13055

Re: Wish I could quit Vanguard for poor customer service

EHEngineer wrote: Tue Apr 27, 2021 11:39 pm it is quite difficult to have Vanguard transfer ownership of shares to another person/entity. I've never been successful. Take some heart in that, you're unlikely to get robbed at vanguard.
I was able to transfer it to Chase You Invest.
by student
Wed Apr 28, 2021 10:54 am
Forum: Personal Investments
Topic: Wish I could quit Vanguard for poor customer service
Replies: 151
Views: 13055

Re: Wish I could quit Vanguard for poor customer service

Closing out my taxable account would trigger a taxable event going back to 2009. Am I wrong? You can transfer mutual fund shares. Chase You Invest, now JP Morgan Self Direct, accept Vanguard mutual funds, and you can buy and sell most with no transaction fee. They will even give you a bonus. With 1...
by student
Wed Apr 28, 2021 6:57 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2900
Views: 461692

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

hi travel for fun. is fidelity offering deposit bonuses again of $2500 for transferring $1 million? i was told several months ago by their rep that the bonus would be much much smaller. do you feel comfortable disclosing how you accomplished this. thanks A bud checked with Fidelity Rep -- they are ...
by student
Mon Apr 26, 2021 9:41 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2900
Views: 461692

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

hi travel for fun. is fidelity offering deposit bonuses again of $2500 for transferring $1 million? i was told several months ago by their rep that the bonus would be much much smaller. do you feel comfortable disclosing how you accomplished this. thanks A bud checked with Fidelity Rep -- they are ...
by student
Sun Apr 25, 2021 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Chase/JPM You Invest just to get free checking?
Replies: 24
Views: 1944

Re: Chase/JPM You Invest just to get free checking?

I have investments at YouInvest for Chase Private client relationship. How long ago did you open the Chase Private Client account? My understanding is that YouInvest was not eligible. Now that Chase has rebrand it as JP Morgan Self Direct, maybe it is different. Of course, it is possible that my un...
by student
Sun Apr 25, 2021 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Chase/JPM You Invest just to get free checking?
Replies: 24
Views: 1944

Re: Chase/JPM You Invest just to get free checking?

I have investments at YouInvest for Chase Private client relationship. There are a few things that come free with that for keeping some investments there - I think it is like $150,000 or more in assets there. BTW, I just transferred assets in kind a couple of years ago from Vanguard and have no fee...
by student
Sun Apr 25, 2021 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Chase/JPM You Invest just to get free checking?
Replies: 24
Views: 1944

Re: Chase/JPM You Invest just to get free checking?

I have investments at YouInvest for Chase Private client relationship. There are a few things that come free with that for keeping some investments there - I think it is like $150,000 or more in assets there. BTW, I just transferred assets in kind a couple of years ago from Vanguard and have no fee...
by student
Sat Apr 24, 2021 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Chase/JPM You Invest just to get free checking?
Replies: 24
Views: 1944

Re: Chase/JPM You Invest just to get free checking?

Shade00 wrote: Sat Apr 24, 2021 3:41 pm I don't mean to threadjack, but rather than start a new thread, I thought I'd ask here - does Chase checking allow you to set a debt card PIN of your choosing, through the app, website, or otherwise?
You can set it at a branch.
by student
Thu Apr 22, 2021 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 848
Views: 182610

Re: Bank of America/Merrill Edge - Preferred Rewards

I’d say zero. It’s a status added to the card, not a separate card based on how my friend obtained it. Has anyone here ever obtained the metal ML version of the card? It still seems random that people get put into "preferred rewards for WM" and I certainly don't want to lose free trades o...
by student
Thu Apr 22, 2021 9:58 am
Forum: Personal Investments
Topic: Financial account representative for Flagship clients?
Replies: 8
Views: 782

Re: Financial account representative for Flagship clients?

I don't believe so. Perhaps it is time to move your accounts. Personally having a local branch is worthwhile for me as I can talk to the same person each time, if there is an issue.
by student
Wed Apr 21, 2021 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 848
Views: 182610

Re: Bank of America/Merrill Edge - Preferred Rewards

So what are the chances that I could get that ML card in addition to the same BofA card? That $500 sign up bonus is enticing. It’s still a thing, and I’m not 100% familiar with the exact criteria, but it also comes with a Merrill logo on the card (in addition to a metal composite). You definitely f...
by student
Wed Apr 14, 2021 10:13 pm
Forum: Personal Investments
Topic: Paycheck contribution to University of California (UC) retirement account failed
Replies: 19
Views: 1940

Re: Paycheck contribution to University of California (UC) retirement account failed

At my university, this has happened before to a number of people and they stepped up and corrected the issue. UC is a big place and I don't think you need to worry.
by student
Wed Apr 14, 2021 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?
Replies: 79
Views: 7286

Re: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?

Two years ago we bought a new Lexus for my wife. I wouldn't let them run a credit check since we intended to pay cash. Once we knew the full amount due, and gave them the maximum down payment that they would agree to on a credit card to score some miles, we told them we would run down the street to...
by student
Mon Apr 12, 2021 4:15 pm
Forum: Personal Consumer Issues
Topic: USPS Delivery issues
Replies: 35
Views: 2601

Re: USPS Delivery issues

Here's an update for those interested, I called TSP and they let me know that I will have to resubmit the package, the deadline has come and gone. My lesson is learned and I will never use certified mail for time sensitive material again, or the USPS if at all possible. I've never called TSP before...
by student
Sun Apr 11, 2021 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Thinking about parking $30k with Morgan Stanley for a free Amex Plat Card
Replies: 65
Views: 13056

Re: Thinking about parking $30k with Morgan Stanley for a free Amex Plat Card

Recently I moved over the minimum $5,000 to open a Morgan Stanley Access Investing account (robo investing). Fees are 0.35% robo advisor fee plus index ETF expense ratios in a 75% equities 25% fixed income allocation. Is it possible to specify that you want 100% fixed income allocation? I don't wan...
by student
Thu Apr 01, 2021 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 848
Views: 182610

Re: Bank of America/Merrill Edge - Preferred Rewards

I’m new to the Merrill Edge /Bank of America ecosystem and opened accounts to get Preferred Rewards / Platinum Honors and a bonus. I notice that my Merrill Edge and BofA accounts both suggest linking the online accounts, but I have not done this yet. Is this (i) necessary/helpful to qualify for Pre...
by student
Tue Mar 30, 2021 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Notice of Data Breach
Replies: 10
Views: 1106

Re: Notice of Data Breach

Thank you for the responses.
by student
Tue Mar 30, 2021 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Notice of Data Breach
Replies: 10
Views: 1106

Notice of Data Breach

I received a letter from a regional bank that I no longer do business with. It says that Accellion, a vendor that it uses for its file sharing platform has a vulnerability that was exploited. It was determined that my social security number, first name, last name, phone number and addresses was expo...
by student
Mon Mar 15, 2021 2:03 pm
Forum: Personal Investments
Topic: TIAA Traditional SRA in 403(b) yielding 3%. What's the catch?
Replies: 18
Views: 1505

Re: TIAA Traditional SRA in 403(b) yielding 3%. What's the catch?

Since you said SRA, it is likely that it is the liquid version. Just make sure that it is indeed the fully liquid form of Trad Ann. The SRA is always liquid. There are six types of TIAA Traditional annuity. Here's a table that compares them: https://www.tiaa.org/public/pdf/understanding_your_new_re...
by student
Sun Mar 14, 2021 10:54 am
Forum: Personal Investments
Topic: TIAA Traditional SRA in 403(b) yielding 3%. What's the catch?
Replies: 18
Views: 1505

Re: TIAA Traditional SRA in 403(b) yielding 3%. What's the catch?

Since you said SRA, it is likely that it is the liquid version. So no catch. Personally, I have essentially all my fixed income in TIAA Traditional. You may find this helpful. http://collegeretirement.blogspot.com/2 ... -deal.html
by student
Fri Mar 12, 2021 7:31 am
Forum: Personal Investments
Topic: Transfer from Vanguard to Merrill Edge
Replies: 11
Views: 1094

Re: Transfer from Vanguard to Merrill Edge

Others have given you advantages of converting. I think the second part of the question that you should ask is what is the advantage of not converting.
by student
Wed Mar 10, 2021 11:40 pm
Forum: Personal Investments
Topic: S&P 500 Index Funds v/s Total Stock Market Index
Replies: 24
Views: 4346

Re: S&P 500 Index Funds v/s Total Stock Market Index

To me, they will give similar return in the long run. So either one is fine. I also view them as good TLH partners.
by student
Tue Mar 09, 2021 8:23 am
Forum: Personal Investments
Topic: Would you hold 100% of fixed income allocation in TIAA traditional?
Replies: 14
Views: 1207

Re: Would you hold 100% of fixed income allocation in TIAA traditional?

I currently hold almost all my fixed income in TIAA Traditional.
by student
Sun Mar 07, 2021 8:16 pm
Forum: Personal Consumer Issues
Topic: Consumer Math Question
Replies: 32
Views: 2118

Re: Consumer Math Question

Kywildcat wrote: Sun Mar 07, 2021 11:28 am I would think that she she could have gotten 2 $200 gift cards for $300.

1. First $200 gift card costs $200 (full price)
2. Second $200 gift card is 50% off so a cost of $100

Total cost: $300
Total Value: $400
This will be my interpretation.
by student
Sun Mar 07, 2021 10:26 am
Forum: Personal Finance (Not Investing)
Topic: My bank is closing - should I move all my accounts?
Replies: 12
Views: 927

Re: My bank is closing - should I move all my accounts?

This is very standard with one bank buying another. It should not be a problem.
by student
Sat Mar 06, 2021 6:42 pm
Forum: Personal Investments
Topic: Is my Financial Advisor's advice sound?
Replies: 69
Views: 6675

Re: Is my Financial Advisor's advice sound?

I stopped reading when I see the advisor tries to sell you whole life insurance. That's a big fat no. viewtopic.php?t=249312
by student
Sun Feb 28, 2021 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Scientific journal publication fees deductible on Sched C?
Replies: 16
Views: 857

Re: Scientific journal publication fees deductible on Sched C?

Yes. I believe that it is routinely done. I personally do the following to avoid such issues. I have a personal research/teaching account at the university. For honorarium, I ask it to be paid to the university, then I arrange for it to be deposited into my account. This will be in support of my res...
by student
Sat Feb 27, 2021 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Employer Changing plans from TIAA legacy to RC
Replies: 39
Views: 2250

Re: Employer Changing plans from TIAA legacy to RC

What are available at TIAA? My understanding is that your old contract is still there for old money. So unless your old contract is 100% TIAA Traditional, you can still shift money within the old contract to TIAA Traditional and but stock funds in the new contract. That is not possible. Only the TI...
by student
Sat Feb 27, 2021 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Employer Changing plans from TIAA legacy to RC
Replies: 39
Views: 2250

Re: Employer Changing plans from TIAA legacy to RC

Many messages in this thread don't properly credit the fact that the changes (Subject Line) are driven more by the employer (and, one hopes, its Investment Committee, or similar body) than by TIAA. The employer is concerned about being charged with offenses like high ERs or "risky" invest...
by student
Fri Feb 26, 2021 9:12 am
Forum: Personal Investments
Topic: TIAA's New CEO
Replies: 13
Views: 1271

Re: TIAA's New CEO

I have a, for us, substantial amount in TIAA Trad, and my intention has been to annuitize it. If I am buying a vanilla SPIA from New York Life or whoever, I only care about the rates and the company's rating. But TIAA is a little different ... the 'additional amounts' matter. With them, TIAA is a g...
by student
Thu Feb 25, 2021 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: retire now or wait 4 months for Social Security?
Replies: 44
Views: 4362

Re: retire now or wait 4 months for Social Security?

benderbr wrote: Thu Feb 25, 2021 11:06 pm It's not the 4 months of income I'd be worries about - it's the 3 years of health insurance premiums.
+1.
by student
Thu Feb 25, 2021 11:12 pm
Forum: Personal Investments
Topic: TIAA's New CEO
Replies: 13
Views: 1271

Re: TIAA's New CEO

My knee jerk reaction is that this is not good to bring in a wall street person. I like Ferguson, I don't particular like what Allison did to TIAA. I like Biggs.
by student
Thu Feb 25, 2021 8:47 pm
Forum: Personal Consumer Issues
Topic: At what point will Amazon ban someone?
Replies: 37
Views: 4876

Re: At what point will Amazon ban someone?

Recall LL Bean used to have no question asked unlimited returns, but it wasn’t real. They did call me once to say they would process my return at the time but no more. Note often I asked for exchange not even cash back, but they reached some unwritten limit. So I have never ordered from those liars...
by student
Thu Feb 25, 2021 3:27 pm
Forum: Personal Consumer Issues
Topic: Air Purifier
Replies: 37
Views: 2393

Re: Air Purifier

I read that using a box fan with a filter also works well. https://www.youtube.com/watch?v=0uZKBlwLEFs
by student
Thu Feb 25, 2021 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Is this a pipe dream? - Retiring at 50
Replies: 28
Views: 3596

Re: Is this a pipe dream? - Retiring at 50

It is also not clear to me whether "$4,000/mo. with COLA and Social Security when eligible" means (1) $4,000/month with COLA now, and (2) Social Security when eligible, or it means you can get both items when eligible. If it is the former, then you have $48,000 per year plus health care, t...
by student
Wed Feb 24, 2021 7:29 am
Forum: Personal Investments
Topic: Help me fire my financial advisor :)
Replies: 34
Views: 5131

Re: Help me fire my financial advisor :)

You are obviously a smart person to have accomplished this. I think you can do this yourself without a financial advisor. For investing, a simple way is to get a target date index fund. It contains stock (domestic and international) and bond. A 3-fund portfolio gives you more control.