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Re: Fidelity has the best customer service I know of

I've got a problem with Fidelity! I'm pissed! I've been with Fidelity for 35 years and have never had a problem. I also had an account with MS predating my Fidelity account. Two years ago I (mistakingly) brought all my DRIPs to MS and received some hefty rebalancing advice. Since I never listen to a...
by EyeYield
Thu May 16, 2013 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity has the best customer service I know of
Replies: 57
Views: 2822

Re: Another look at Jim Cramer's stock picks

Another look? Anyone who does their own due diligence has long ago tracked the predictions of the talking heads blowhards. I guess it makes some people feel good when the loudest voices are wrong, but come on, somebody has to sell advertising. Since we all watch these shows with the sound off anyway...
by EyeYield
Wed May 15, 2013 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: Another look at Jim Cramer's stock picks
Replies: 29
Views: 3224

Re: Just Sold Out. What do you think?

Your responses helped me decide to go ahead and buy the Vanguard funds now instead of waiting for any sort of market correction. I found myself looking at a video on cnbc today with a "stock market expert" talking about how the market is ready for a reversal. My first thought was good for...
by EyeYield
Tue May 14, 2013 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just Sold Out. What do you think?
Replies: 95
Views: 6880

Re: Billionaires Dumping Stocks, Economist Knows Why - Money

It doesn't appear that anyone actually deciphered all the information from that link. If you had, you'd see all the fantastic value that can be had for a very low price. Your Entire Package Includes: The NY Times Best-Selling Book Aftershock . . . . . . . . . . . . . . . . . . . . . . $28 value The ...
by EyeYield
Sat May 11, 2013 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: Billionaires Dumping Stocks, Economist Knows Why - Moneynews
Replies: 22
Views: 2970

Re: Fund Advice from Advisor - S&P500 Performance

A closer apples to apples comparison. http://quote.morningstar.com/fund/chart.aspx?t=JCMVX&region=USA&culture=en-US&statePara=%7Bsecurities%3A%5B%7Bn%3A%22JPMorgan%20Mid%20Cap%20Value%20C%22%2Cids%3A%22FOUSA02T00%7C0P0000330W%7CCU%24%24%24%24%24USD%7C1%7C1%7CFO%7C2001-4-29%7C%7C%7Cfalse%...
by EyeYield
Fri May 10, 2013 10:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund Advice from Advisor - S&P500 Performance
Replies: 42
Views: 1807

Re: re: First time to Boston

Depending what your interest are, there's the Museum of Fine Arts, which is not too far from Symphony Hall, which has free tours, I believe, or maybe if you're lucky John Williams might be performing while you're there. (Probably sold out, but I found this notice) Hooray for Hollywood May 28, 2011, ...
by EyeYield
Fri May 10, 2013 12:09 pm
 
Forum: Personal Consumer Issues
Topic: re: First time to Boston
Replies: 28
Views: 1069

Re: Loaning To A Business

the farther out the payment is, the greater the risk (both that the borrower will be unable to pay, and that rising rates will decrease the present value of future payments). Thus a loan with equal payments has a shorter duration than an equal-term bond (which is typically an interest-only loan wit...
by EyeYield
Thu May 09, 2013 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Loaning To A Business
Replies: 3
Views: 297

Loaning To A Business

I have an opportunity, a good one I think, to invest in a business expansion. I can be an investor and get a piece of the action or just make a loan, which I prefer. What are the advantages of taking the interest as payment on a monthly basis and have the principal paid at the end of the term, like ...
by EyeYield
Wed May 08, 2013 10:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Loaning To A Business
Replies: 3
Views: 297

Re: 1.5% Financial Advisor... or index fund?

When I asked about their performance in relation to an index fund they claimed that they can do much better than those because they use funds through Fidelity that are no-load or load-waived. I apologize for beating the dead horse, by responding to the same quote I responded to earlier, but this se...
by EyeYield
Sun May 05, 2013 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1.5% Financial Advisor... or index fund?
Replies: 81
Views: 3677

Re: 1.5% Financial Advisor... or index fund?

When I asked about their performance in relation to an index fund they claimed that they can do much better than those because they use funds through Fidelity that are no-load or load-waived. Ask for an example and compare it to the corresponding indexes over the past 30 years, then subtract 1.5% f...
by EyeYield
Sat May 04, 2013 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1.5% Financial Advisor... or index fund?
Replies: 81
Views: 3677

Re: Admiral @ Fidelity?

Thanks everybody for the suggestions. There's probably an easy way to replicate the fund by combining other funds as has been mentioned. As I tend to move from individual equities and managed funds (as tax gains allow) to index funds and more muni's, I'm still attracted to the Wellesley fund. I just...
by EyeYield
Thu May 02, 2013 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: Admiral @ Fidelity?
Replies: 11
Views: 1128

Re: Admiral @ Fidelity?

You may wish to also look at Fidelity's Spartan funds, which are competitive with Vanguard funds in terms of expenses. That's a good suggestion for just about anything, but I'm interested in the Wellesley fund and I haven't seen anything that mirrors that. But maybe I'm missing something? It's prob...
by EyeYield
Thu May 02, 2013 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: Admiral @ Fidelity?
Replies: 11
Views: 1128

Admiral @ Fidelity?

I recently tried to buy some Admiral shares at Fidelity, but they wouldn't allow it even though I was trying to buy over the minimum amount needed. It's not bad enough that I have to pay $75 to buy a Vanguard fund at Fidelity, but this is the process I have to go through to make it happen. Thank you...
by EyeYield
Thu May 02, 2013 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: Admiral @ Fidelity?
Replies: 11
Views: 1128

Re: Portfolio Review Request

I wouldn't drop it just yet. Call back, talk to a supervisor. Say that you have a competing offer (TD Ameritrade will do). You'd prefer to stay, but you feel they let you down on this and you're planning to move it back out if they don't reconsider. Yes, don't drop it. I transferred my second accou...
by EyeYield
Mon Apr 29, 2013 8:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request
Replies: 10
Views: 860

Re: Why do investors chase dividend paying strategies

Don't a lot of people trade these stocks with no care about the divs? Therefore causing the the stocks to rise on fall on normal market movements. All things being equal, the payment of the div would still devalue the stock, but are all things really equal? Is there a reliable way to measure this? W...
by EyeYield
Wed Apr 24, 2013 12:27 am
 
Forum: Investing - Theory, News & General
Topic: Why do investors chase dividend paying strategies
Replies: 426
Views: 22486

Re: Help Me Help Others

He opened up a Roth IRA and will trade online when he gets home. I gave him no advice, but the licensed broker recommended some managed funds that had great 5 year track records. My friend said that his friend, an experienced trader, recommended he put everything in IBM, because it was going to pop,...
by EyeYield
Tue Apr 23, 2013 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Me Help Others
Replies: 16
Views: 963

Re: Help Me Help Others

I'm surprised at the responses, extreme indeed. Giving advice without a license? Come on. We've been over most everything mentioned. Books were my first suggestion, but this kid is a full time college student with a part time job and has told me he doesn't have a minute to read outside of his educat...
by EyeYield
Tue Apr 23, 2013 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Me Help Others
Replies: 16
Views: 963

Help Me Help Others

I've been preaching to the local youth (early twenties) for sometime about the importance of investing and indexing. They are finally coming around and I'm going with my first converted tomorrow to open his first account, along with a number for my number two converted and it looks like things may s...
by EyeYield
Mon Apr 22, 2013 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Me Help Others
Replies: 16
Views: 963

Re: "Barron's"

Thanks for the chuckle Taylor.

Barron's could be reduced to one page:

Indexing Wins: So Index!!

There are risks associated with investing including the possible loss of principal." Wisdom Tree

Seems oddly out of place.
by EyeYield
Sun Apr 21, 2013 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: "Barron's"
Replies: 22
Views: 2213

Re: How do actively managed funds fit in a portfolio

I would stay clear of any actively managed fund that, a) tries to beat the market, b) is glorified on a radio show, or c) bragged about by the fund managers themselves, by showing how great they have performed over the last three to five years. This leads to popularity and flocking to by the sheep, ...
by EyeYield
Tue Apr 16, 2013 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: How do actively managed funds fit in a portfolio
Replies: 14
Views: 707

Re: Why do investors chase dividend paying strategies

EyeYield, In this particular case (divs re-invested) a visual representation would best be seem by comparing on the same graph two opposing funds of relatively the same characteristics, one paying dividends and the other not. In this particular case if you haven't spent anything, they will perform ...
by EyeYield
Thu Apr 11, 2013 5:07 pm
 
Forum: Investing - Theory, News & General
Topic: Why do investors chase dividend paying strategies
Replies: 426
Views: 22486

Re: Why do investors chase dividend paying strategies

So it doesn't matter if you take the dividend and spend it or if you have another stock of the same characteristics but doesn't pay a dividend and you sell the stock to generate the same amount of cash as the dividend you must end up in the same place. Best wishes Larry But if it's reinvested, as i...
by EyeYield
Tue Apr 09, 2013 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: Why do investors chase dividend paying strategies
Replies: 426
Views: 22486

Re: Why do investors chase dividend paying strategies

FinancialDave wrote:
EyeYield,

Your plan sounds very close to mine, except that I am only withdrawing 2% or less, and the rest is in a growth portfolio.

fd


Yes, I've been able to relate to many things you've said, but now I feel I have to withdraw 1.95% or less, just to be competitive. :beer
by EyeYield
Mon Apr 08, 2013 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: Why do investors chase dividend paying strategies
Replies: 426
Views: 22486

Re: Why do investors chase dividend paying strategies

The fact that a company pays a dividend is IRRELEVANT to the return investors earn. Thanks for verifying that, I was going nuts trying to find evidence that when a company started paying a dividend, it some how magically started under performing with returns. The negatives are much less diversifica...
by EyeYield
Mon Apr 08, 2013 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: Why do investors chase dividend paying strategies
Replies: 426
Views: 22486

Re: Why do investors chase dividend paying strategies

It amazes me the length to which people will go to try and find some reason to justify what is not justifiable. It simply makes no sense, just psychological crutch, a mental accounting issue.If that is what is needed to keep an investor disciplined, that's fine? But that doesn't change the fact tha...
by EyeYield
Sun Apr 07, 2013 10:46 pm
 
Forum: Investing - Theory, News & General
Topic: Why do investors chase dividend paying strategies
Replies: 426
Views: 22486

Re: Why do investors chase dividend paying strategies

EyeYield: While my dividend reinvestment program (DRP) doesnt go back nearly as far as yours (mine began in 1994/5), I faced the same situation. My cash flow didnt generate large sums and it was much easier to write a check for $100 - $500 on a quarterly then monthly basis. Mutual funds were used f...
by EyeYield
Wed Apr 03, 2013 6:52 pm
 
Forum: Investing - Theory, News & General
Topic: Why do investors chase dividend paying strategies
Replies: 426
Views: 22486

Re: Why do investors chase dividend paying strategies

Way, way, way, back in the day, when buying stocks meant paying a broker $100 to enter a trade, I was taught the low expense method of investing. You bought stock directly from the company through dividend reinvestment plans and reinvested the dividends. Four times a year I would get a statement and...
by EyeYield
Tue Apr 02, 2013 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: Why do investors chase dividend paying strategies
Replies: 426
Views: 22486

Re: Mom and Pop Trampled by the Bulls

Perhaps this thing that is old should be new again.... http://en.wikipedia.org/wiki/Home_economics Whatever works. I suppose it could be feasible to teach someone how to bake a cake and then parallel the steps to asset allocation. The four pillars of baking your portfolio; defining your mix. :P
by EyeYield
Sun Mar 31, 2013 10:49 pm
 
Forum: Investing - Theory, News & General
Topic: Mom and Pop Trampled by the Bulls
Replies: 76
Views: 7397

Re: Mom and Pop Trampled by the Bulls

Fallible Good for you and I hope you won't give up. Also, I think it's pretty well agreed on by educators that parents also need to teach their children about personal finance. Do you know if schools actually ask or suggest to parents that they do so? I haven't seen any evidence of the schools spec...
by EyeYield
Sat Mar 30, 2013 9:56 pm
 
Forum: Investing - Theory, News & General
Topic: Mom and Pop Trampled by the Bulls
Replies: 76
Views: 7397

Re: Mom and Pop Trampled by the Bulls

These stories make me sad because they illustrate the extremely low level of financial literacy is in America. Websites like this one do a great job helping to educate a few thousand investors per year. Now, if we could only figure out how to reach the remaining 100 million individual investors. Ri...
by EyeYield
Sat Mar 30, 2013 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: Mom and Pop Trampled by the Bulls
Replies: 76
Views: 7397

Re: Is a 90% drop in the market realistic?

Just as realistic as a 90% gain.
by EyeYield
Sat Mar 30, 2013 4:04 pm
 
Forum: Investing - Theory, News & General
Topic: Is a 90% drop in the market realistic?
Replies: 40
Views: 3155

Re: Dallas Radio Guys

So apparently they told their clients to sell everything late in 2007 and told them precisely when to get back in early 2009?? And their clients actually listened and have the statements to prove it? Or maybe they didn't lose money until they failed to get back in at the perfect time and accumulated...
by EyeYield
Sun Mar 24, 2013 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dallas Radio Guys
Replies: 6
Views: 653

Re: Need to Push to Leave Broker/Become Own Financial Adviso

Dr baseballdad94 I'll let the more learned here respond to your concerns, but let me just tell you I feel your pain. I just left my MS "adviser" who is a personal friend and I know how hard it can be. I use quotation marks because "adviser" can mean anything you want it to mean. ...
by EyeYield
Wed Mar 20, 2013 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need to Push to Leave Broker/Become Own Financial Advisor
Replies: 90
Views: 4988

Re: Apple Stock - Seems great, right?

For 50 years this was the standard all across the US, until it wasn't.
http://upload.wikimedia.org/wikipedia/c ... C_1902.jpg
Bad example actually, since they went on to make automobiles; until they didn't.
by EyeYield
Wed Mar 20, 2013 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Apple Stock - Seems great, right?
Replies: 29
Views: 2270

Re: Does the best time really matter?

The important thing is to get started and stay-the-course. Best wishes. Taylor I would guess that everyone on this site knows this intellectually. I would also guess that everyone on this site has, at some time in their investing life, had psychological difficulties with timely execution. Whether i...
by EyeYield
Wed Mar 20, 2013 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can I tell when a generally bad or good time to buy is?
Replies: 37
Views: 2707

Re: How can I tell when a generally bad or good time to buy

Anyway, I'm getting some analysis paralysis here

Been there, will be there again.

Eventually I self loath for my procrastination until I just invest it.

The good news is, once it's invested, I don't have to think about it again, because I ultimately believe in my planned AA.
by EyeYield
Tue Mar 19, 2013 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can I tell when a generally bad or good time to buy is?
Replies: 37
Views: 2707

Re: "Think, Act, and Invest Like Warren Buffett" -- A Gem

eyeyield The problem is really that the pension plan managers have THEIR self interest at heart, not that of their employer or the taxpayers or the beneficiaries. They need to promote active management as the winning strategy so there needs to be someone there to monitor the active managers!!!! Hir...
by EyeYield
Mon Mar 18, 2013 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: "Think, Act, and Invest Like Warren Buffett" -- A Gem
Replies: 41
Views: 4148

Re: "Think, Act, and Invest Like Warren Buffett" -- A Gem

Seriously, why don't huge pension funds use a simple 3-fund approach. Are they smarter than us ? If they did that, what would all those fund managers do for work? And all those brokers, in the full service broker branches that would have to close, what would they do? Oh, of course, :oops: they coul...
by EyeYield
Mon Mar 18, 2013 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: "Think, Act, and Invest Like Warren Buffett" -- A Gem
Replies: 41
Views: 4148

Re: 1 Stock - How to Play it? - Margin Implications - Need H

Wow, you just got a lot of really good advice. Nothing to add, except I wish I got the above advice 30 - 40 years ago. As far as "Playing", some BH's think 5% is ok for playing, I'm of the belief that 1% is ok. only invest in what you know Peter Lynch was on to something when he said this,...
by EyeYield
Thu Mar 14, 2013 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1 Stock - How to Play it? - Margin Implications - Need Help!
Replies: 38
Views: 1859

Re: Why is the market climbing so fast?

I would be happy to explain why the market is climbing so fast, but then everybody would know and I would lose my advantage. 8-)
by EyeYield
Thu Mar 14, 2013 8:22 pm
 
Forum: Investing - Theory, News & General
Topic: Why is the market climbing so fast?
Replies: 41
Views: 4615

Re: DOW 36,000 Again!!!

36,000 - Maybe not. This will be the year of the great crash!!! http://www.cnbc.com/id/44481286/Dow_Could_Crash_to_3000_in_2013_Author Take 3000 journalists, authors and fortune tellers and they'll come up with 3000 different predictions. One will be right, will be on CNBC, and then charge for a new...
by EyeYield
Thu Mar 07, 2013 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: DOW 36,000 Again!!!
Replies: 28
Views: 3282

Re: Need to Push to Leave Broker/Become Own Financial Adviso

Even though the Morgan Stanley guy is a nice guy, I realize that he needs to say what he has to in order to try to get us to stay. My MS guy is also great and I see him regularly in recreation, but when he made sweeping recommendations I started researching, which led me here eventually. I did not ...
by EyeYield
Wed Mar 06, 2013 2:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Need to Push to Leave Broker/Become Own Financial Advisor
Replies: 90
Views: 4988

Re: 5-year high news

I hate this. I still have a bunch of cash to invest and although I have no sense of being able to market time, my next purchase is due on April 1, and at these levels I have to hold my nose or hold off a bit. This thing has gone straight up without so much as a 5% correction. In the same boat, but ...
by EyeYield
Tue Mar 05, 2013 9:54 pm
 
Forum: Investing - Theory, News & General
Topic: 5-year high news
Replies: 12
Views: 996

Re: Need to Push to Leave Broker/Become Own Financial Adviso

We need some final encouragement to push us to move from our “full service broker” to Vanguard. I was recently in your situation at MS and found this forum, which encouraged me to start reading. The final piece of information that "pushed" me out of MS, was reading "The Clash of the ...
by EyeYield
Tue Mar 05, 2013 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need to Push to Leave Broker/Become Own Financial Advisor
Replies: 90
Views: 4988

Re: My blog post on Buffett's annual leter

When WB buys a company, there a good chance he has an office somewhere on the company grounds and has a say in what goes on there.
Invest like Buffett? In my dreams.
by EyeYield
Mon Mar 04, 2013 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: My blog post on Buffett's annual leter
Replies: 20
Views: 2105

Re: Books to Read. . .

To get the best answer, you might try being more specific in what you want to learn. The Mutual Fund industry; fact vs fiction? The stock market; history and reality? Start up investing? Retirement Investing? Psychology of the investor? Philosophy of investing? Risk management? I asked the same gene...
by EyeYield
Mon Mar 04, 2013 10:04 pm
 
Forum: Investing - Theory, News & General
Topic: [Investing] Books to Read. . .
Replies: 12
Views: 1017

Re: bond options in old school brokerage?

Depending on your tax bracket, you may not need a federal alternative minimum tax free fund. If you do, there are plenty to choose from. Instead of paying a brokerage fee to trade at MS (maybe $100 or the 2.75% they were charging me when I was there), I would just trasfer your holding to where ever ...
by EyeYield
Wed Feb 27, 2013 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: bond options in old school brokerage?
Replies: 3
Views: 195

Re: I'm new to the penny market, where to start?

I'm surprised this has lasted as long as it has; it's so out of place here. Having said that: Once a year I'll "invest" about .025% of my portfolio on a slightly researched whim, that has a real product going for it and a possibility of a real return. I search finviz for some oversold phar...
by EyeYield
Mon Feb 25, 2013 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: I'm new to the penny market, where to start?
Replies: 52
Views: 3872

Re: So what will people do? [if bond bubble bursts]

Austintatious wrote:what bond bubble?

Maybe this one?
Image
by EyeYield
Sat Feb 23, 2013 11:05 pm
 
Forum: Investing - Theory, News & General
Topic: So what will people do? [if bond bubble bursts]
Replies: 66
Views: 4943

Re: [sites with a non-Boglehead approach?]

Not a site per se, but this guy has a feeling in his gut AND a webinar too: http://www.youtube.com/watch?NR=1&featu ... XveGyGkHxA
DOW down to 6000 sometime in 2013; maybe tomorrow. :oops:
by EyeYield
Fri Feb 22, 2013 8:16 pm
 
Forum: Investing - Theory, News & General
Topic: [sites with a non-Boglehead approach?]
Replies: 26
Views: 2336
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