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Re: How do you wash your car?

Car wash membership. $36 a month and you can go as many times as you want.
by imgritz
Tue Oct 21, 2014 3:34 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 104
Views: 3974

Re: 12 Worst financal Advisors

I'm surprised anyone uses an individual financial adviser after Bernie Madoff. My personal favorite comes from a friend. He swears by his contact. A financial adviser that strategically defaulted on paying his home. "It was a brilliant move." Well buddy, if your FA can't manage his own mon...
by imgritz
Tue Oct 21, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: 12 Worst financal Advisors
Replies: 4
Views: 1321

Re: Shoes for Plantar Fasciitis?

Don't waste your time with special shoes.

I had plantar for about a year trying various things. I was cured within three weeks after seeing a foot doctor. He'll give you special inserts for your shoes, a boot so your muscle can heal and physical therapy.
by imgritz
Mon Oct 20, 2014 12:33 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 46
Views: 1909

Re: Smartphone questions

I buy my phones like my cars. I want something that is no maintenance that works 24/7 for years without any issues. I have an iPhone.
by imgritz
Fri Oct 17, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 58
Views: 3218

Re: Relatively new here. What did you do in 2008/09

Go Blue 99 wrote:I was 100% equity at that point and made no changes. I just rarely looked at my balances :)

I wish I had your skills. :D

I realized in the 2008/09 crash that I was too risky for my asset allocation. I dialed it back and now I sleep well.
by imgritz
Tue Oct 14, 2014 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 6733

Re: Fidelity Investments Hacked

I hope Fidelity notified its customers.
by imgritz
Mon Oct 13, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Investments Hacked
Replies: 21
Views: 2494

Re: Multiple brokerages?

I suggest you have accounts with institutions you trust. If you don't trust a company, don't do business with them.
by imgritz
Fri Oct 10, 2014 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Multiple brokerages?
Replies: 14
Views: 836

Re: Multiple brokerages?

Here's a response for Vanguard about the infrequent cases of getting an account locked. Although I cannot speak to the situations of these individuals you have read about, I have found in my experience at Vanguard, that this situation usually occurs when there is a security concern on a client's acc...
by imgritz
Fri Oct 10, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Multiple brokerages?
Replies: 14
Views: 836

Re: It's a good day to be Heavy in Bonds ---- 10-09-2014....

DaftInvestor wrote:.....except for me its not about the "day" its about the decade.....

+1
by imgritz
Thu Oct 09, 2014 4:15 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be Heavy in Bonds ---- 10-09-2014.......
Replies: 13
Views: 1684

Re: Multiple brokerages?

livesoft wrote:Since Vanguard appears occasionally to lock people's accounts from time to time and prevent them from accessing their money

I've never experience this scenario. What exactly does someone have to do to have their account locked? Some type of fraud?
by imgritz
Thu Oct 09, 2014 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Multiple brokerages?
Replies: 14
Views: 836

Re: Portfolio review for upper 60s widow/er

The portfolio seems unnecessarily complicated. Vanguard rep will help make it simpler.

The asset allocation depends on the individual. How much market fluctuation can your parent handle? A good indicator is age in bonds.

I would go with taxable money market account for gift.
by imgritz
Thu Oct 09, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for upper 60s widow/er
Replies: 9
Views: 1151

Re: Headed for a 300+ point loss today?

Try to think in 5-10 year time frames. 300 points up or down is simply market noise.
by imgritz
Thu Oct 09, 2014 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28259

Re: Greece Stocks

Why are you looking at an individual stock? I would invest more in your index funds.
by imgritz
Thu Oct 09, 2014 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: Greece Stocks
Replies: 4
Views: 449

Re: Multiple brokerages?

I researched this for a mutual fund account consolidation. I am sure there is a slight variation for a brokerage account. Mutual funds are governed by the Investment Act of 1940. Vanguard carries insurance called a Fidelity Bond to protect clients from mishaps. Vanguard's custodians have insurance a...
by imgritz
Wed Oct 08, 2014 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Multiple brokerages?
Replies: 14
Views: 836

Re: Getting back into the market

I AM MOSTLY SITTING IN MONEY MARKET FUNDS. AFTER MY RESEARCH I WAS PLANNING ON SETTING MY RETIREMENT PORTFOLIO INTO THREE OR FOUR VANGUARD FUNDS. (TOTAL MKT....INTERNATIONAL ....AND BONDS) MY SPECIFIC QUESTIONS ARE: 1) SHOULD I USE ETF'S OR MUTUAL FUNDS? 2) DO I SET IT UP ALL AT THE SAME TIME ? 3) ...
by imgritz
Wed Oct 08, 2014 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting back into the market
Replies: 27
Views: 3158

Re: 4% market drop causes huge drop in sentiment

I wonder how it gauges investor sentiment? It is at 3% Extreme Fear.

Remember when 401Ks became 201Ks a few years back? Everyone was complaining. That was Extreme Fear for some but it was a good time to buy.
by imgritz
Wed Oct 08, 2014 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: 4% market drop causes huge drop in sentiment
Replies: 22
Views: 5103

Re: When people put all their eggs in the wrong basket

joe8d wrote:I just wonder how many people put their money in that stock on the advice of "Advisors"?

I lost 75% of my IRA based on an advisor. It taught me a valuable lesson to do my own investigation.
by imgritz
Wed Oct 08, 2014 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 215
Views: 20300

Re: When people put all their eggs in the wrong basket

jfn111 wrote:GTAT, Enron, GM and a whole lot of .com's over the years. Some people never learn the lesson. :(

You beat me to the quote. :D It wasn't that long ago people lost their money in .com's and housing bubbles. I guess it's different this time. :oops:
by imgritz
Wed Oct 08, 2014 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 215
Views: 20300

Re: Late start, low income - what to do first?

1. Pay of credit card debt.
2. Have him save six months of an emergency fund.
by imgritz
Wed Oct 08, 2014 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2619

Re: help me help a friend, financially

Too many red flags in this post. I would stay out of it unless she asks for your help.
by imgritz
Tue Oct 07, 2014 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: help me help a friend, financially
Replies: 24
Views: 2369

Re: Grandpa wants me to help invest $800k - Suggestions?

I would contact Vanguard. They will have a Certified Financial Planner design a portfolio for you for free if you transfer the 800K to them. You can implement their suggestions OR You can have Vanguard manage the portfolio for 1/3 percent annually if you want.
by imgritz
Mon Oct 06, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandpa wants me to help invest $800k - Suggestions?
Replies: 21
Views: 2524

Re: 4% market drop causes huge drop in sentiment

I am thinking my 401K contribution is going to be less expensive this week. :D
by imgritz
Fri Oct 03, 2014 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: 4% market drop causes huge drop in sentiment
Replies: 22
Views: 5103

Re: What bumps were along your road?

Wife became angry ex-wife. 8 years of court battles. The good news is the family law attorneys and ex-wife increased their net worth. :oops:
by imgritz
Thu Oct 02, 2014 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: What bumps were along your road?
Replies: 44
Views: 3111

Re: Management of Investments

I've been going back and forth on this for a while. My investments are all with Fidelity and they offer a portfolio management service where they charge an annual fee of 0.9-1.1% - is this worth considering? Im a bit OCD and like to manage my own money but at the same time i feel a professional mig...
by imgritz
Thu Oct 02, 2014 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Management of Investments
Replies: 11
Views: 657

Re: Do you deviate from the BH philosophy?

Sometimes non-BH philosophy is all you have. My last 401K did not have one index option available to me.
by imgritz
Wed Oct 01, 2014 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 3820

Re: I want to pay off my mortgage.

I would pay it off. You will always have a home no matter what happens in life.

One Caveat: Are you divorced? The reason I mention this is I paid off my house. When my ex-wife was taking me to Family Court to adjust child support, the court saw I had less expenses and awarded her more money.
by imgritz
Wed Oct 01, 2014 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: I want to pay off my mortgage.
Replies: 36
Views: 2682

Re: fidelity v.s. vanguard

I would go with Vanguard if you plan to be an indexer. Fidelity is fine with Spartan index funds.
by imgritz
Wed Oct 01, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: fidelity v.s. vanguard
Replies: 18
Views: 1738

Re: Portfolio tracking websites?

http://www.sigfig.com

It's a free site. You can contact financial advisers to fine tune your portfolio.
by imgritz
Wed Oct 01, 2014 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio tracking websites?
Replies: 6
Views: 460

Re: "How Retirement Fees Cost You"

OK, so here's a question for you guys. What is the average American to do. first of all I have no control over my 401K. So what stop investing in it because of the fees? that seems a little like throwing the baby out with the bath water. for many workers the 401K is the only vehicle to save. Now my...
by imgritz
Tue Sep 30, 2014 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: "How Retirement Fees Cost You"
Replies: 28
Views: 2842

Re: Vanguard: "Don't let debt delay or derail your retiremen

the only problem I have Gordon is that these stories make all Americans sound like irresponsible spend thrifts. and I totally admit that I resent that. I know a lot of people that live way beyond their means. I know a few that do nothing to improve their situation. I try to help everyone by casuall...
by imgritz
Tue Sep 30, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard: "Don't let debt delay or derail your retirement"
Replies: 33
Views: 2238

Re: Unable to access Vanguard funds

I'm a loyal client of what-ever service I need. I also expect them to jump through hoops to keep my business. If they don't, I'll move my business someplace else.

If Vanguard is not doing what they need to resolve your account access, I would go straight to another company and transfer my accounts.
by imgritz
Mon Sep 29, 2014 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Unable to access Vanguard funds
Replies: 6
Views: 549

Re: Will you invest in Bill Gross's new bond fund?

No. I'm an indexer and I will stay with Vanguard's Total Bond Market index fund.
by imgritz
Mon Sep 29, 2014 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 51
Views: 2846

Re: Foreclosure

Her income is enough to pay that loan amount. Why is she in financial trouble?
by imgritz
Mon Sep 29, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Foreclosure
Replies: 9
Views: 1169

Re: Need advice on investment with loaned money

You want to take a loan to invest? If so, bad idea.

Secondly, you want to take a loan from family? Money and family have their complications so I wouldn't do this either.
by imgritz
Mon Sep 29, 2014 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on investment with loaned money
Replies: 12
Views: 878

Re: Pimco Total Return - Keep or Sell

Your answer to keep or sell depends on you. Do you think the new fund manager can perform as equal or better than Bill Gross?
by imgritz
Fri Sep 26, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Pimco Total Return - Keep or Sell
Replies: 28
Views: 2360

Re: BIG ($180k) student debt!! Strategy needed.

Is there a reason why your wife is making 45K? The BLS reports that veterinarians earned a median salary of $84,460 in 2012. The best-paid veterinarians earned $144,100, while the lowest-paid earned $51,530. Veterinarians working in scientific research development services, pharmaceutical and medici...
by imgritz
Thu Sep 25, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: BIG ($180k) student debt!! Strategy needed.
Replies: 47
Views: 5584

Re: Need help protecting assets (marriage)

Don't commingle premartial assets if you want to protect yourself.

If you want to be safe financially, marry your financial equal. It wasn't the division of assets that killed me in the divorce. It was spousal support, child support and paying attorney fees because she made so much less than me.
by imgritz
Mon Sep 22, 2014 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help protecting assets (marriage)
Replies: 46
Views: 4593

Re: Sale of a home between boyfriend and girlfriend.

I would calculate the profit based on the percentage of income invested. Let's say there has been a total of 40K invested. Girl invested 30K, Boy 10K. I would give 75% of profit to Girl and 25% profit to Boy.
by imgritz
Mon Sep 22, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5708

Re: The Oracle of Buffalo....very nice article

I've read several articles of this nature. People that live within their means and think of the future value of their money when spending. They always do well financially.
by imgritz
Fri Sep 19, 2014 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: The Oracle of Buffalo....very nice article
Replies: 7
Views: 1169

Re: iOS 8 update available today

That's it?

Health icon that none of my apps connect.
Recents. It's ok.

I don't see anything else for the almost 1GB update.
by imgritz
Wed Sep 17, 2014 5:33 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5877

Re: Roth help

twees52 wrote:financial advisor claims we will have to pay a load of 5.75% on top of the taxes, does this make sense? Mark

Run Forrest Run!

Move the account to Vanguard. Start buying index funds at no cost.
by imgritz
Wed Sep 17, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth help
Replies: 14
Views: 574

Re: Friend needs guidance or financial planner?

Vanguard can create a plan and manage investments. I believe the cost is 1/3 of a percent.
by imgritz
Wed Sep 17, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Friend needs guidance or financial planner?
Replies: 3
Views: 421

Re: Traditional 401k vs ROTH 401k? (hear me out!)

If you are nervous about losing the side business income, I suggest you beef up your emergency fund.
by imgritz
Tue Sep 16, 2014 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional 401k vs ROTH 401k? (hear me out!)
Replies: 2
Views: 297

Re: IPhone 6 and AT&T Contract Extension

My purchase told me the exact minutes and data I had in my plan. Unless you requested something different, I guess that your plan will remain the same.
by imgritz
Tue Sep 16, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: IPhone 6 and AT&T Contract Extension
Replies: 14
Views: 1188

Re: IPhone 6 and AT&T Contract Extension

What did the screen say when you selected your carrier? When I purchased my 6, it told me exactly the plan I had from Verizon.
by imgritz
Tue Sep 16, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: IPhone 6 and AT&T Contract Extension
Replies: 14
Views: 1188

Re: How to add to my portfolio monthly without crazy fees

Leeraar wrote:Open an account directly with Vanguard. For mutual funds only.

+1

This is an easy decision. :-)
by imgritz
Tue Sep 16, 2014 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 39
Views: 3073

Re: Most cost effective means of protecting physical assets

I have a ninja cat. So far, nobody has messed with my home.

Image
by imgritz
Tue Sep 16, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Most cost effective means of protecting physical assets
Replies: 56
Views: 5008

Re: Good hobby for a bright/obsessive 9 year old?

I vote for coin collecting. Take your kid to a destination and collect coins of the country.
by imgritz
Tue Sep 16, 2014 1:12 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3189
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