Yeah, fair.
My neighbors asked if I wanted to go to an Alzheimer's panel, and gave me a ride, but it was kind of ugh and went on too long. At least some other friends were also there, who I haven't seen in while and was happy to see!
Get up...get up, you stupid piece of... What did you do that for? What's wrong with you? Didn't you hear a word he said? All of you! You think there's someone just going to drop money on you?! Money they could use?! Well, there ain't people like that. There's just people like me.
Jayne ,'Jaynestown'
Natter 74: Ready or Not
Off-topic discussion. Wanna talk about corsets, duct tape, butt kicking, or physics? This is the place. Detailed discussion of any current-season TV must be whitefonted.
Jesse - Apr 13, 2016 4:15:37 pm PDT #19536 of 30003
Sometimes I trip on how happy we could be.
sarameg - Apr 13, 2016 4:29:00 pm PDT #19537 of 30003
(Anyone got advice Tiaacref vs Fidelity? I was leaning T, but more reading has me waffling.)
Burrell - Apr 13, 2016 4:32:02 pm PDT #19538 of 30003
Why did Darth Vader cross the road? To get to the Dark Side!
I have no advice sarameg, I should have considered my options more carefully but I had no Intel to go on. So um, best advice is find a financial advisor who is actually trustworthy?
msbelle - Apr 13, 2016 4:42:36 pm PDT #19539 of 30003
I remember the crazy days. 500 posts an hour. Nubmer! Natgbsb
I had both at some point Sara. I know some TIAA accounts have limits on transferring them if you ever want to do that, but it was only some of the ones I had.
sarameg - Apr 13, 2016 4:44:04 pm PDT #19540 of 30003
I've got a couple weeks to call both companies and get info on fees and shit. I have NOT been proactive up until now, but now that I'll seriously be close to hitting IRS max for retirement thanks to the 401,I'm trying to get on a new path. But not so much I'm trading or anything, just sign up for a plan. And then after I figure that out, transfer most savings to the credit union I'm now eligible for.
Kate P. - Apr 13, 2016 4:44:21 pm PDT #19541 of 30003
That's the pain / That cuts a straight line down through the heart / We call it love
I'd pick TIAA, personally (that's where my current job's retirement fund is, plus I have a Roth IRA with Vanguard), though I'm not sure it will make much difference either way. Do you have info as to when/how/how much each one charges in various fees? I feel like I picked TIAA because the fee structure made more sense to me, but I don't remember specifics now.
But probably more important is your choice of funds. (Do you have a way to see which specific funds are available to you in TIAA vs. Fidelity?) My preference is for low-fee index funds that track a broad section of the market; I'm sure both TIAA and Fidelity offer several that do this.
sarameg - Apr 13, 2016 4:46:14 pm PDT #19542 of 30003
Money into retirement= money I pretend I don't have, until retirement. Which reminds me, also will need to rollover my 401(k) into the 403. I think?
sarameg - Apr 13, 2016 4:48:09 pm PDT #19543 of 30003
I have a gazillion options. It's overwhelming. I need a spreadsheet, but like I have the time.
Kate P. - Apr 13, 2016 4:53:32 pm PDT #19544 of 30003
That's the pain / That cuts a straight line down through the heart / We call it love
Yeah. I kind of love thinking about this stuff (nerd alert!), but it can definitely be overwhelming. If you know both TIAA and Fidelity offer a ton of fund options, though, then probably either one would be fine. Would it help if you just flipped a coin? Or is there something specific you want to look for (or avoid)?
Hil R. - Apr 13, 2016 4:57:31 pm PDT #19545 of 30003
Sometimes I think I might just move up to Vermont, open a bookstore or a vegan restaurant. Adam Schlesinger, z''l
Hil, do you want to see it opening night and/or a different date? I'm probably going to get tickets soon-ish, so let me know. (By "opening night," I mean Friday, probably a 9-ish show, given how long it takes Tim to leave work.)
Sure! Email me to work out details.