Search found 632 matches

Return to advanced search

Estate Planning Lawyer

Hi, Looking to have a lawyer put together a living revoc trust but don't know how to find an experienced and trust worthy lawyer in NYC. Any particular area where I can find a few so wife and I can meet with and see who we are comfortable with? Also, any idea what the cost will be, $1,000 - $1,500 r...
by hlfo718
Tue Apr 15, 2014 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Lawyer
Replies: 4
Views: 445

NYC Comic Con

Just wondering if any one attended the NYC Comic Con before? Looking to bring my 2 year old nephew there since he LOVES the Avengers. Any idea how much the tix are and is it a mad house on weekends vs weekday?

Thank you
by hlfo718
Fri Apr 11, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: NYC Comic Con
Replies: 12
Views: 644

Re: Bad fund options with "Fidelity Advisor"

Can you ask HR or owner to switch plans? I hope the owner is not getting a kick back on the load. I worked for a small firm where we also had the SEP plan. The person who set that up was friends with the broker. Once the firm got bigger we switched to schwab. I would ask to switch first. If no go th...
by hlfo718
Thu Mar 06, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad fund options with "Fidelity Advisor"
Replies: 4
Views: 362

Re: Buying shoes at COSTCO

I recently purchased a pair of Dickie's sneaker/shoe from Costco's site for $20. But only after 2 month's wear, it ripped. The good thing about Costco is its return policy. I just returned them last weekend and received my refund. The shoes were comfortable enough but I guess the glue came off. I de...
by hlfo718
Tue Feb 11, 2014 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Buying shoes at COSTCO
Replies: 13
Views: 1885

Re: Better understanding of portfolio performance calculatio

I am not an expert but there are two wildly accepted ways to "measure" performance. One is time weighted, which excludes flows. This method allows you to compare to a fund's return since that is what they use. The other is IRR or investor's rate of return, which does take into consideratio...
by hlfo718
Tue Feb 11, 2014 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Better understanding of portfolio performance calculations?
Replies: 3
Views: 330

Re: Upgrade baseboard heaters?

My experience with baseboard heating is that it is adequate if the temp outside doesn't drop below 40. Once below that point it just doesn't do enough to circulate the hot water to warm up the house. I recalled using the oven to supplement when it was really cold out on top of an electric heater. I ...
by hlfo718
Wed Jan 08, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Upgrade baseboard heaters?
Replies: 35
Views: 1549

Re: How are Vanguard fund managers paid?

The compensation is explained in the SAI but no actual amount is listed for each manager since is mainly a group thing. The description is on page B-40. The comp consists mainly of base, bonus, long term incentive comp and pension.
by hlfo718
Tue Jan 07, 2014 10:14 am
 
Forum: Investing - Theory, News & General
Topic: How are Vanguard fund managers paid?
Replies: 9
Views: 1531

Re: Thoughts on Net Worth Concentrated with One Mutual Fund

The SEC mandates an independent custodian to safeguard the assets of the fund(s), so you don't have to worry about Madoff type of fraud. Essentially you have about half a dozen major players in the custody world for mutual funds, State Street, Citi, JPMorgan, Brown Brothers, Bank of NY and maybe a s...
by hlfo718
Fri Jan 03, 2014 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Net Worth Concentrated with One Mutual Fund Comp
Replies: 11
Views: 854

Re: [Confused about bonds - need help with portfolio]

Start reading the books from this link. You can go to your local library and save a few bucks. http://www.bogleheads.org/wiki/Books:_R ... t-up_Books
by hlfo718
Fri Jan 03, 2014 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Confused about bonds - need help with portfolio]
Replies: 9
Views: 578

Re: New to Vanguard, cost explanation please?

No fee if your money is directly with Vanguard. If you are using a broker like Fidelity or Schwab they will charge a commission to buy and sell.
by hlfo718
Fri Jan 03, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard, cost explanation please?
Replies: 5
Views: 564

Re: Thoughts on Net Worth Concentrated with One Mutual Fund

Do a search on this topic, many discussions over the years. You can also look at Wiki. Vanguard doesn't hold the assets, the custodians do.
by hlfo718
Fri Jan 03, 2014 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Net Worth Concentrated with One Mutual Fund Comp
Replies: 11
Views: 854

Re: [Confused about bonds - need help with portfolio]

You are more scared of US bonds because it went down 2% last year and S&P went up 30%? What did you do in 2008 when S&P was down 36% and treasuries were up? I think you and husband need to read a few books on asset allocation before deciding. Once you have finished reading then come back and...
by hlfo718
Fri Jan 03, 2014 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Confused about bonds - need help with portfolio]
Replies: 9
Views: 578

Steve Vernon and Allan Roth

What happened to their blogs? Did Marketwatch discontinued all the bloggers?
by hlfo718
Thu Jan 02, 2014 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Steve Vernon and Allan Roth
Replies: 3
Views: 521

Re: ? Private Arrangement for a 6% Annuity/private loan

Is this 6 percent a month? If so is very likely a ponzi scheme. Not possible to pay 72 pct a year in int and still be profitable.
by hlfo718
Mon Dec 23, 2013 12:37 am
 
Forum: Investing - Help with Personal Investments
Topic: ? Private Arrangement for a 6% Annuity/private loan
Replies: 12
Views: 644

Re: Re Seeking Alpha registration issue

I opened the SA account over 2 years ago and haven't received any junk mail from them so is not a painful process.
by hlfo718
Thu Dec 12, 2013 10:06 am
 
Forum: Investing - Theory, News & General
Topic: Re Seeking Alpha registration issue
Replies: 9
Views: 763

Re: Price changes in secondary bond market

I just plugged in the cusip into my schwab account for $10k lot and it came back with $122.07 price for YTW of 3.221%. I guess the earlier price you got was a mistake from the dealer or broker.
by hlfo718
Wed Dec 11, 2013 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: Price changes in secondary bond market
Replies: 3
Views: 277

Re: Help with explanation of dividends, etc.

0.32 is the div per share
0.39 is the short term cap gain per share
2.27 is the long term cap gain per share

Take the shares you have and multiple each number, that's your distribution amount per category. If the fund is in your tax def account, doesn't impact you. Otherwise you have to pay taxes.
by hlfo718
Mon Dec 09, 2013 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with explanation of dividends, etc.
Replies: 3
Views: 267

Re: Learn Statistics? How?

I have yet to find a stats book using real life financial markets data as examples. If the topic is stand dev, why not use a real life mutual fund or stock to show what that means? But if such book exists please let me know. Love to buy that for my nephew.
by hlfo718
Thu Dec 05, 2013 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Learn Statistics? How?
Replies: 40
Views: 2289

Re: 401k plan trustee using bad average fees metric

Can't you ask them to add a few reasonably priced index funds in the selection? I did at my job but it took over 2 years to get various index funds in. You have to be persistent since most of the people in charge are clueless about investing.
by hlfo718
Mon Dec 02, 2013 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: 401k plan trustee using bad average fees metric
Replies: 2
Views: 252

Re: Eyeglass Lenses @ Costco

Thanks Random. You can almost interchange Costco with Vanguard in the discussion.
by hlfo718
Wed Nov 27, 2013 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Eyeglass Lenses @ Costco
Replies: 29
Views: 3037

Re: Eyeglass Lenses @ Costco

Thank you everyone. I tried the online route once, I used $39 glasses but the glasses was too small so it became very uncomfortable. I also opted for their own version of transition, definitely not as good since it has a permanent green shade. But the price was really low, about $100 for the frame a...
by hlfo718
Wed Nov 27, 2013 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Eyeglass Lenses @ Costco
Replies: 29
Views: 3037

Eyeglass Lenses @ Costco

Hi, Just wondering if anyone uses Costco Optical. I went to my local eyeglass shop yesterday to replace my frame and lenses. I was told I need the anti reflective and photochromic coating for my lenses, which I agree since I noticed I am seeing more glares and the bright light does bother my eyes. E...
by hlfo718
Wed Nov 27, 2013 10:53 am
 
Forum: Personal Consumer Issues
Topic: Eyeglass Lenses @ Costco
Replies: 29
Views: 3037

Re: How to do due diligence on a brokerage?

I believe Betterment is an adviser, not a broker. So to make sure the money is there and he is making the trades he is supposed to make, just look at the brokerage account where the funds is held. Since this will be a separately managed account, not a fund, you are the only owner of the assets and B...
by hlfo718
Tue Nov 19, 2013 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: How to do due diligence on a brokerage?
Replies: 4
Views: 376

Re: Roku Private Channels

Thanks. I guess I will still get an antenna for the room for the broadcast channels.
by hlfo718
Mon Nov 11, 2013 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Roku Private Channels
Replies: 7
Views: 2052

Roku Private Channels

Thinking about buying the new Roku and drop one cable box in the bedroom. I noticed Youtube is not in the main Roku menu but is in the private channel, sp are CBS and HGTV channels. Does anyone know how that works and if you can actually stream live CBS and HGTV channels using the private channel fu...
by hlfo718
Mon Nov 11, 2013 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Roku Private Channels
Replies: 7
Views: 2052

Re: Costco Men's Kirkland Signature Athletic Shoes

I just purchased a pair of their non slip working shoes (they look like sneakers) in black. So far I have no complain. They are cheap, 20 bucks, and very comfortable. And the soles are thick so they don't wear out. I had a pair of addidas that lasted less than a year and a pair from payless lasted 3...
by hlfo718
Fri Oct 11, 2013 9:51 am
 
Forum: Personal Consumer Issues
Topic: Costco Men's Kirkland Signature Athletic Shoes
Replies: 8
Views: 2358

Re: $399 Laptop Acer Aspire E1-531-4665

Be careful with the low priced laptops. I purchased one a few years back I think it was a Gateway, which is the same company as E Machine. It died in 2 years. I paid about 350. Stick with a reputable brand like HP or Lenovo. I also don't like Dell because I had two desktops from them and they also d...
by hlfo718
Tue Sep 24, 2013 1:44 pm
 
Forum: Personal Consumer Issues
Topic: $399 Laptop Acer Aspire E1-531-4665
Replies: 7
Views: 706

Re: Android Tablet

One thing I don't like about the iPad is the weight. Is a bit heavy to hold for more than half an hour reading or surfing. Thought about getting the Nexus 10 but a bit too pricey for me at $399.
by hlfo718
Mon Sep 16, 2013 11:10 am
 
Forum: Personal Consumer Issues
Topic: Android Tablet
Replies: 42
Views: 3340

Re: Brokerages offer same bond for different prices and yiel

usually the larger the quantity the higher the yield, or the lower your cost. This works the same for broker CDs as well. It pays to look around especially if you have more than one broker.
by hlfo718
Fri Sep 13, 2013 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: Brokerages offer same bond for different prices and yields
Replies: 3
Views: 324

Re: Edward Jones compensation w/r/t AFunds

Is he a broker or a RIA who is charging an annual mgmt fee?
by hlfo718
Fri Sep 13, 2013 9:44 am
 
Forum: Investing - Theory, News & General
Topic: Edward Jones compensation w/r/t AFunds
Replies: 7
Views: 903

Re: Mebane Faber's "Shareholder Yield Fund" (SYLD): Thoug

I do enjoy his blog. I don't plan on investing in the etf but if you allocate a small portion it wouldn't be the end of the world even though is like 10x the cost of VTI.
by hlfo718
Fri Sep 06, 2013 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mebane Faber's "Shareholder Yield Fund" (SYLD): Thoughts?
Replies: 3
Views: 463

Re: Vodaphone/Verizon deal-stock holder proceeds

I can't imagine the stock distribution is true because most investors are located overseas. So if I am an UK investor, what the hell am I going to do with VZ shares? I would imagine it would cost a lot to dump US shares overseas, just like here in the US is expensive to trade non US stocks, plus FX ...
by hlfo718
Wed Sep 04, 2013 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Vodaphone/Verizon deal-stock holder proceeds
Replies: 5
Views: 749

Re: Transfer from a Wealth Management account to ETF and Fun

you can also use your dividend proceeds to buy the index funds/efts. Just make sure you can do so for free.

How big are these positions, 1% or less each?
by hlfo718
Wed Sep 04, 2013 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Transfer from a Wealth Management account to ETF and Funds
Replies: 15
Views: 981

Re: sleep number beds

I got the queen back in 2006 and still works fine. I did get the two chamber so my wife can have her own number. The machine is a bit loud when you increase but it only last a few seconds so no big deal. I recall paying about 1,300 back then in the Sleep Comfort store. You can get a basic queen for ...
by hlfo718
Thu Aug 22, 2013 3:35 pm
 
Forum: Personal Consumer Issues
Topic: sleep number beds
Replies: 22
Views: 2616

Re: Cohen & Steers?

I believe this is a high yield fund with a bunch of pref stock mixed in. So you are taking term and credit risk. If this is a tiny part of your overall asset allocation, then fine. If this is a large portion, you should educate yourself first to see how this fits in your overall investment.
by hlfo718
Mon Aug 19, 2013 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cohen & Steers?
Replies: 2
Views: 274

Re: Real estate broker fees

Are you in NYC (Manhattan) or other parts of NY? If Manhattan and in a low inventory area like Soho then is definitely not 6 or 5%. If you bargain hard enough and bring in a bunch of brokers together, probably 4%, especially if you have a multi million dollar apartment or house.
by hlfo718
Thu Aug 15, 2013 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate broker fees
Replies: 9
Views: 721

Re: Changing Bathtub

Thank you for all the comments. Something struck me as strange. Since my apartment is pre-war so I assumed my tub is just as old since previous owners didn't spend much money in the place. So I went home last night and placed a magnet on the tub, but it didn't stick. So I am assuming I actually don'...
by hlfo718
Fri Aug 02, 2013 9:13 am
 
Forum: Personal Consumer Issues
Topic: Changing Bathtub
Replies: 9
Views: 752

Re: Changing Bathtub

I did the reglaze last year and it wore out in 6 months. So I can either replace or reline. Still thinking about reline but not sure about the quality and not sure how long that will last.
by hlfo718
Thu Aug 01, 2013 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Changing Bathtub
Replies: 9
Views: 752

Changing Bathtub

I'm looking to replace my apartment's very old cast iron tub, which is set in a corner surrounded by three walls. I'm curious as to how difficult it is for a contractor to get it out and more importantly when the new tub is set in the same space, how will I know if the tub is set in correctly so it ...
by hlfo718
Thu Aug 01, 2013 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Changing Bathtub
Replies: 9
Views: 752

Re: What is my financial advisor doing?

Sounds like he is a financial adviser. Did you check his background to make sure there were no lawsuits or complaints? Also, how much is he charging you for commission? If he is trading a lot and charges more than $10 a trade, then he is probably making money from the commission side as well.
by hlfo718
Mon Jul 29, 2013 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is my financial advisor doing?
Replies: 49
Views: 3202

Re: Finance students willing to pay for coin flipping expert

"you dropped a hundred and fifty grand on a freaking education you coulda got for a dollar fifty in late charges at the public library" :oops:
by hlfo718
Wed Jul 24, 2013 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Finance students willing to pay for coin flipping expertise!
Replies: 5
Views: 695

Re: Reinvest dividends? Tax consequences?

Normally mutual funds use avg cost but you can change that in settings to something else.
by hlfo718
Fri Jul 19, 2013 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest dividends? Tax consequences?
Replies: 7
Views: 995

Re: NYC Pension Fund Boasts 12.3% Return for Last 12 Months

I think NY is one of the few states/cities that index most of the portfolio, I think something like 70 or 80%. So if you compare their return to the Vang Balanced fund, they are pretty much on target. But NY also has hedge funds and PE funds so those investments probably dragged their overall return.
by hlfo718
Fri Jul 19, 2013 11:38 am
 
Forum: Investing - Theory, News & General
Topic: NYC Pension Fund Boasts 12.3% Return for Last 12 Months
Replies: 11
Views: 665

Re: Does past performance matter, SPIVA persistence report

That's not fair you guys are stepping on active managers since it hasn't been a good "stock picker's" market. You will see how great active managers will do once we are in a "stock picker's" market, whenever that is. :D
by hlfo718
Thu Jul 18, 2013 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: Does past performance matter, SPIVA persistence report
Replies: 12
Views: 998

Re: Replacement lenses for eyeglass frames

39 dollar glasses can do this but I think it takes like 2 months to get it back. But is really cheap. I got a new pair of glasses from them last year. Check them out but don't forget to google and see the reviews.
by hlfo718
Tue Jul 09, 2013 9:54 am
 
Forum: Personal Consumer Issues
Topic: Replacement lenses for eyeglass frames
Replies: 9
Views: 2375

Re: FINRA's new 5-question financial capabiliy quiz is out t

My wife, without any experience with investing, got 4 out of 5. How is the avg score so low?
by hlfo718
Fri Jun 07, 2013 11:33 am
 
Forum: Investing - Theory, News & General
Topic: FINRA's new 5-question financial capabiliy quiz is out today
Replies: 9
Views: 708

Re: 401k Admin Fee/Fund Selection

0.60% plus fund fees? That is highway robbery. Unless they match and or you make high income, go fund your IRA first.
by hlfo718
Thu Jun 06, 2013 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Admin Fee/Fund Selection
Replies: 7
Views: 395

Re: Smart TV?

You can just hook up your laptop to your TV via HDMI, assuming your TV has it.
by hlfo718
Thu May 30, 2013 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Smart TV?
Replies: 15
Views: 1246

Re: "As is" clause in real estate

Since is a condo, the important things are the cooling/heating units, electric, and plumbing. Make sure the previous owner did not make any unauthorized kitchen/bathroom reno that you may need to spend money to fix or move back to.
by hlfo718
Thu May 30, 2013 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: "As is" clause in real estate
Replies: 41
Views: 1915
Next

Return to advanced search