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Re: Has anyone seen this? Rich By Friday News Letter

I will not by the new letter. Just wondering if anyone has seen this. Sorry if I wasted some time here. However it does make sense to me that investing in dividend paying stocks then reinvesting the dividend does make sense.
by rentonhighlands
Thu Dec 04, 2014 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone seen this? Rich By Friday News Letter
Replies: 15
Views: 894

Re: Has anyone seen this? Rich By Friday News Letter

slbnoob wrote:Not trying to be sneering at anyone but frankly I was very surprised at the OP for posting that in spite of being a member since 2010 of this forum.

What do you mean? What is "OP"?
by rentonhighlands
Thu Dec 04, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone seen this? Rich By Friday News Letter
Replies: 15
Views: 894

Has anyone seen this? Rich By Friday News Letter

Hello Forum Members, Has anyone watched the video located here https://w3.newsmax.com/LP/Finance/TDM/TDM-Absolute-Financial?promo_code=xtatmjjo Has anyone heard of Bill Spetrino or read his newsletters? He has a newsmax media publication called Rich By Friday located here http://w3.newsmax.com/newsl...
by rentonhighlands
Thu Dec 04, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone seen this? Rich By Friday News Letter
Replies: 15
Views: 894

Re: Fidelity Mutual Fund Strategy?

FSTVX= Spartan® Total Market Index Fund - Fidelity Advantage Class
FNCMX= Fidelity® Nasdaq® Composite Index Fund
by rentonhighlands
Thu Nov 06, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 3676

Re: Fidelity Mutual Fund Strategy?

ruralavalon:
Spartan® Global ex U.S. Index Fund - Fidelity Advantage Class (FSGDX), ER 0.18%
What is your reason for choosing and using this fund? Can I diversify by using other U.S. Index funds that are providing better returns. For example FSTVX, or FNCMX?
by rentonhighlands
Thu Nov 06, 2014 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 3676

Re: Fidelity Mutual Fund Strategy?

ruralavalon:
Can you provide some background on why you would forget the Roth IRA idea? In retirement I can withdraw the money income tax free.
by rentonhighlands
Thu Nov 06, 2014 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 3676

Re: Fidelity Mutual Fund Strategy?

ruralavalon: Thank you for your time and your write up. This is great! I do not want to invest in company stock. The only way I can do this is by going into the account each month and transfer the money out from company stock to other 401K stock option. The match money automatically gets invested in...
by rentonhighlands
Thu Nov 06, 2014 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 3676

Re: Fidelity Mutual Fund Strategy?

Saving$: Thank you for this outlining this plan. I want to talk about the 401K piece. 401k Move all $40k in the 401k to: "Total US Stock Index" with ER of 0.01%. That is a very low ER so use it to fill your Domestic Stock bucket. Set up all new contributions to also go to this fund. Why wo...
by rentonhighlands
Thu Nov 06, 2014 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 3676

Re: Fidelity Mutual Fund Strategy?

ruralavalon: Is that $10k you mentioned the amount in savings above and beyond the amount for your 6 months emergency fund? Answer: Yes That $1,200/yr is in addition to what you are now contributing to investing? Answer: Yes Do you expect to be in a higher tax bracket in retirement? Answer: No Do yo...
by rentonhighlands
Thu Nov 06, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 3676

Re: Fidelity Mutual Fund Strategy?

Also, In the IRA almost everything else duplicates/overlaps the investment you have in "FSTMX SPRTN TOTAL MKT INDX". In addition to simplifying, you could substantially reduce your investing expenses for a higher net gain on your investments. Answer: What would you suggest here? Maybe sell...
by rentonhighlands
Wed Nov 05, 2014 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 3676

Re: Fidelity Mutual Fund Strategy?

ruralavalon: As you can see in the 401k there is considerable overlap/duplication both in your current funds and the funds receiving new 401k contributions. The S&&P 500 index + the completion index duplicate the total market index, the two total market indices are about the same. So you cou...
by rentonhighlands
Wed Nov 05, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 3676

Re: Fidelity Mutual Fund Strategy?

I also want to add. What do I do with my extra money in my savings account minus my reserve of 6 months to grow it and obtain interest growth? I also have a question about mutual fund investing. If I invest money into a mutual fund and it grows in value do I have to pay annual taxes on the growth ea...
by rentonhighlands
Wed Nov 05, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 3676

Re: Fidelity Mutual Fund Strategy?

1) Do you have an emergency fund? How much might it take to cover say 3 months of your ordinary living expenses? Answer: Yes I have emergency fund. It is my general savings account and has enough money to cover all living expenses for 6 months. 2) Do you have any debt? If so, types, amounts & in...
by rentonhighlands
Wed Nov 05, 2014 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 3676

Re: Fidelity Mutual Fund Strategy?

Does '" [Company] SHARES FUND" consist of just company stock only, or some collection of stocks? Answer: [Company] 99.20% In domestic stocks, you currently very overweight mid/small stocks rather than track the total U.S. stock market. Is that something that you want to do, or is that not ...
by rentonhighlands
Tue Nov 04, 2014 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 3676

Re: Fidelity Mutual Fund Strategy?

Hello Forum Members: I have added the edit to my post Mon Nov 03, 2014 10:44 pm. Please see. Thank you
by rentonhighlands
Tue Nov 04, 2014 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 3676

Re: Fidelity Mutual Fund Strategy?

Yes I would like to mention I am looking for a plan to grow my extra money instead of letting it sit in my saving account. The 10K I want to grow is from my savings account and would be used for spending income not for retirement. However I would like to list my current investments and ask the forum...
by rentonhighlands
Mon Nov 03, 2014 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 3676

Re: Fidelity Mutual Fund Strategy?

Thank you for the information. How does this model look to you? Fidelity Spartan® 500 Index Fund Investor Class(MUTF:FUSEX) $2500 Fidelity Spartan® Total Market Index Fund Investor Class(MUTF:FSTMX) $2500 Fidelity Spartan® International Index Fund Investor Class(MUTF:FSIIX) $2500 Fidelity® Total Bon...
by rentonhighlands
Wed Oct 29, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 3676

Re: Fidelity Mutual Fund Strategy?

What is the investing policy statement? Would this be the policy I write for myself to show the rules I will live by while I invest?
by rentonhighlands
Wed Oct 29, 2014 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 3676

Fidelity Mutual Fund Strategy?

I want to start with $10,000 and invest in mutual funds/index funds at Fidelity. I know most of the mutual funds at Fidelity have a minimum investment of $2500 to start. This would give me 4 funds to choose from. My strategy is to start with 4 funds and add $200/per month to the funds. What funds do...
by rentonhighlands
Wed Oct 29, 2014 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 41
Views: 3676

Re: I want to invest $200/month. What is the best funds to u

Thank you.
I have 401k and traditional IRA set up.
I want to invest in mutual funds for income from now until retirement. I want to understand the best place to invest $200 per month. I have left my monies in savings account over the last 5 years.
by rentonhighlands
Sat Jun 28, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: I want to invest $200/month. What is the best funds to use?
Replies: 21
Views: 2809

Re: I want to invest $200/month. What is the best funds to u

Hello:
Are these funds comparable to Vanguard Total Stock Market Index Fund Investor Shares (VTSMX) 0.17% er

Spartan® 500 Index Fund - Investor Class
Symbol: FUSEX er 0.10%
Spartan® Total Market Index Fund - Investor Class
Symbol: FSTMX er 0.10%
by rentonhighlands
Fri Jun 27, 2014 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: I want to invest $200/month. What is the best funds to use?
Replies: 21
Views: 2809

Re: I want to invest $200/month. What is the best funds to u

I would avoid any taxable account at a for-profit brokerage, IMHO, since in the long term they lead to a host of bureaucratic and tax lot issues (plus they ultimately make money on your doing the wrong thing). I would save in a saving account at a local credit union or bank until I had the $3000 mi...
by rentonhighlands
Fri Jun 27, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: I want to invest $200/month. What is the best funds to use?
Replies: 21
Views: 2809

Re: I want to invest $200/month. What is the best funds to u

Thank you I understand and I will post my entire snapshot. I was doing some reading and thinking last night of ways I can invest $200 per month the best and most efficient way possible. I gather from by livesoft » Tue Jun 24, 2014 2:45 pm When I buy into ETF, I have to buy whole shares of the ETF? I...
by rentonhighlands
Tue Jun 24, 2014 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: I want to invest $200/month. What is the best funds to use?
Replies: 21
Views: 2809

I want to invest $200/month. What is the best funds to use?

Hello: I want to invest $200/month. What are the best funds to use? I am thinking a smart way to do this would be to use mutual Index funds or Index ETF funds? Can I deposit $200/month into ETF and let the money sit in the ETF? Would this be called Index investing? For example use Commission-Free iS...
by rentonhighlands
Tue Jun 24, 2014 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: I want to invest $200/month. What is the best funds to use?
Replies: 21
Views: 2809

Re: Do I convert my traditional IRA to a Roth IRA?

what is the 5498 form? I will have a pension in retirement but I am not sure how much it will be. If I convert tIRA to Roth IRA would I only have to pay taxes on the gains? How can I find out what amount of money I would have to pay taxes on if I decide to convert? I am currently in the 25% tax brac...
by rentonhighlands
Mon Apr 07, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I convert my traditional IRA to a Roth IRA?
Replies: 9
Views: 1091

Do I convert my traditional IRA to a Roth IRA?

Hello forum members, Please provide your thoughts and options, Do I convert my Traditional IRA to a Roth IRA? Age 37 Traditional IRA is $33 717.97 Work 401K is $32,886.08 with a Roth option inside of it. I just started adding to the Roth option. It currently has $1075.30 Would it be smart to open a ...
by rentonhighlands
Sun Apr 06, 2014 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I convert my traditional IRA to a Roth IRA?
Replies: 9
Views: 1091

Re: IRA Problem Paying to much fee's

Watty:
Are you suggesting for my IRA account and balance a three fund portfolio?
by rentonhighlands
Mon Jan 28, 2013 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: IRA Problem Paying to much fee's
Replies: 32
Views: 1794

Re: IRA Problem Paying to much fee's

Well I guess when I pasted my data to post to the forum the formatting did not take. Is there a way to copy from Excel and post to the forum and have the formatting line up.
Sorry about that guys I did use the space bar and line up the columns before I posted but the formatting did not take.
by rentonhighlands
Mon Jan 28, 2013 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: IRA Problem Paying to much fee's
Replies: 32
Views: 1794

Re: IRA Problem Paying to much fee's

To Forum members: I have transferred my IRA from my fee based account at RBC to Fidelity. Things went smooth and I am ready to hear suggestions of how to invest and allocate the funds. This is what it currently looks like right now. All feedback is welcome. As of date: 01/28/2013 Symbol Description ...
by rentonhighlands
Mon Jan 28, 2013 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: IRA Problem Paying to much fee's
Replies: 32
Views: 1794

Re: Options to Re-finance home mortgage (condo rental)

Are there any programs new or old that will make it so I can refinance my rental property? My loan is not backed by Fannie Mae or Freddy Mac so I can not use the HARP program. I have called CITI Mortgage and they said sense I do not have a hardship and able to make the loan payments, I do not qualif...
by rentonhighlands
Wed Jan 02, 2013 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options to Re-finance home mortgage (condo rental)
Replies: 4
Views: 514

Re: What is the best way to buy Silver

clearwater: Thank you very much for this valuable information.
by rentonhighlands
Wed Jan 02, 2013 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: What is the best way to buy Silver
Replies: 7
Views: 2238

Re: IRA Problem Paying to much fee's

I have transferred my monies from RBC to Fidelity. I chose Fidelity because I have my 401K account there and I am familiar with the website and tools. Now it is on to picking how I want to set up my IRA account and my investment choices. I am looking at the Spartin funds now.
by rentonhighlands
Thu Dec 27, 2012 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: IRA Problem Paying to much fee's
Replies: 32
Views: 1794

Re: IRA Problem Paying to much fee's

BL: (thank you for being blunt) I will start the process to run away as fast as I can tomorrow! 12/27/12. Now I need to make a decision if I want to move my money to Vanguard (and choose a target fund) or to Fidelity where my employer 401K currently is. I am 35 yrs of age and my target retirement ye...
by rentonhighlands
Thu Dec 27, 2012 1:02 am
 
Forum: Investing - Theory, News & General
Topic: IRA Problem Paying to much fee's
Replies: 32
Views: 1794

Re: IRA Problem Paying to much fee's

When I am looking thought the options of funds what do I look for to tell me what is the low-cost options? My investment adviser who is currently managing this money and charging me the fee's disagrees with using Fidelity or others like because he states 1.75% fee to manage the money is much cheaper...
by rentonhighlands
Wed Dec 26, 2012 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: IRA Problem Paying to much fee's
Replies: 32
Views: 1794

IRA Problem Paying to much fee's

I have a traditional IRA with balance of $31,000. I am paying 1.75% or $125.00 a qtr in fees. To me this is simply to much to pay to manage this money. What options does the forum suggest to do with this money. Where would it be suggested to be moved to?
by rentonhighlands
Wed Dec 26, 2012 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: IRA Problem Paying to much fee's
Replies: 32
Views: 1794

What is the best way to buy Silver

I want to invest in silver. What is the best way to buy it? For example do I buy coins at the local coin shop or buy online?
by rentonhighlands
Wed Dec 26, 2012 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: What is the best way to buy Silver
Replies: 7
Views: 2238

Re: Options to Re-finance home mortgage (condo rental)

Great Questions. Let me provide some more information. The taxable amount from the county states $117,000 2012 and $93,000 2013 What I could sell it for I have no idea. My current loan does not have PMI As far as 20% equity based on the counties value I do not have 20%. My side: My total monthly pay...
by rentonhighlands
Thu Oct 25, 2012 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Options to Re-finance home mortgage (condo rental)
Replies: 4
Views: 514

Options to Re-finance home mortgage (condo rental)

What are my options to re-fiance my home mortgage on my rental condo property? I currently have a conventional loan and no mortgage insurance. Loan details are Principal Balance: $164,067.36 1 Original Balance: $170,860.00 Loan Type: Conventional Origination Date: 12/07/2009 Loan Term: 360 months Ma...
by rentonhighlands
Thu Oct 25, 2012 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Options to Re-finance home mortgage (condo rental)
Replies: 4
Views: 514

Re: What is the best way to manage and track my IRA account.

You're paying almost 2% in management/advisory fees. That is an insanely high price. Call Vanguard tomorrow, have them transfer assets from your current advisor/custodian, and then check out the boglehead book list in the wiki.[/quote] Why are you suggesting Vanguard? My work 401k is currently throu...
by rentonhighlands
Thu Mar 29, 2012 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the best way to manage and track my IRA account.
Replies: 13
Views: 859

Re: What is the best way to manage and track my IRA account.

The company is RBC Wealth Management. This is a list of where my money is invested. 2% in fees will eat me alive. In my opinion 2% is way to high for an retirement account. "Ishares Silver Tr Ishares" "Ishares Tr Barclays Treas Inflation Protected Secs Fd S&P N/R" "Ishar...
by rentonhighlands
Thu Mar 29, 2012 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the best way to manage and track my IRA account.
Replies: 13
Views: 859

Re: What is the best way to manage and track my IRA account.

tludwig23 wrote:
rentonhighlands wrote: For 2011 I paid $550.00 in fees. I started with a 28,209.66 balance and ended the year with 27628.65...


Hmmm, you lost $581. Are you confusing market losses with fees?



No. Right on my statement there is an line item call fees. The fees are $125.00 per qtr and $50 annual fee for 2011.
by rentonhighlands
Thu Mar 29, 2012 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the best way to manage and track my IRA account.
Replies: 13
Views: 859

What is the best way to manage and track my IRA account.

How do you track your IRA account? What online tools does the forum members use to track IRA account? Do members track using excel spreadsheets to track? I have a managed IRA account. What is your opinion? For 2011 I paid $550.00 in fees. I started with a 28,209.66 balance and ended the year with 27...
by rentonhighlands
Thu Mar 29, 2012 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the best way to manage and track my IRA account.
Replies: 13
Views: 859

A Question about LIPITOR Generic companies

What are the names of the generic companies that will make LIPITOR?
Now that LIPITOR will be made by generic companies, how will the generic companies stock act? Will it increase or decrease?
by rentonhighlands
Tue Nov 29, 2011 9:19 pm
 
Forum: Investing - Theory, News & General
Topic: A Question about LIPITOR Generic companies
Replies: 10
Views: 556

Home Loan modification

I have a question about home loan modifications. Are there any government programs availible for home modifications? I currently own a condo that is underwater. Are there websites that explain the different options that may be availible to me?
by rentonhighlands
Mon Oct 24, 2011 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Home Loan modification
Replies: 1
Views: 170

Boeing wins tanker contact. What other companies will bene?

??

Are they a good buy? What other companies would also be good buys because Boeing won the contact. For example part suppliers or companies that supply goods to Boeing.
by rentonhighlands
Thu Feb 24, 2011 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: Boeing wins tanker contact. What other companies will bene?
Replies: 18
Views: 2240

no I live in washington state
by rentonhighlands
Tue Feb 22, 2011 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k (Roth option) question
Replies: 9
Views: 1008

25% bracket
by rentonhighlands
Tue Feb 22, 2011 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k (Roth option) question
Replies: 9
Views: 1008

401k (Roth option) question

This is what I currently have.
1 tradional IRA account with a balance
1 401k company account with Roth option

What is the benefit for me to use the 401K roth option with my 401K? or is there one?
by rentonhighlands
Tue Feb 22, 2011 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k (Roth option) question
Replies: 9
Views: 1008

Convert my Traditional IRA to a Roth IRA?

I would like to know if it is in my best interest to convert my traditional IRA to a Roth IRA? My IRA balance right now it 27K My tax bracket is 25% but it may drop to the 15% tax bracket if I am lucky based on what I put into my 401K for 2010 My bring home pay is 37K per year I do not expect my tax...
by rentonhighlands
Fri Nov 26, 2010 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convert my Traditional IRA to a Roth IRA?
Replies: 20
Views: 2510

What is the link for portfolio x-ray? I am using Instant X-Ray right now and it is working. But I would like to check out portfolio x-ray it sounds more like what I am looking for.
Thank-you for the help and quick responses.
by rentonhighlands
Mon Jun 14, 2010 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: A website that will build your portfolio for you?
Replies: 14
Views: 2363
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