Search found 310 matches

by EvelynTroy
Fri Aug 10, 2018 8:30 am
Forum: Investing - Theory, News & General
Topic: Offering 401k Advice to my coworkers?
Replies: 36
Views: 3232

Re: Offering 401k Advice to my coworkers?

I figure most people in our company are not going to really know how to decipher this information and opt to go with the high(er) fee Target Date Retirement Fund Index that V provides (which costs more than double what you would pay just buying the individual fees themselves). T IMO the company was...
by EvelynTroy
Tue Aug 07, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: WSJ - How Brokers Make More On Your Cash Than You Do.
Replies: 28
Views: 4003

Re: WSJ - How Brokers Make More On Your Cash Than You Do.

The 1.88% yield is after .35% expenses which are the annual expenses to operate the fund. It is definitely not a trading expense that you would incur every time you buy/sell Schwab Prime MM (SWVXX). Three trades per year in and out of SWVXX is just fine there is no fee to do so, no minimum trade (w...
by EvelynTroy
Tue Aug 07, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: WSJ - How Brokers Make More On Your Cash Than You Do.
Replies: 28
Views: 4003

Re: WSJ - How Brokers Make More On Your Cash Than You Do.

Sorry if this is clear to readers, but I got confused and would appreciate bit of explanation. I too was asleep at the wheel and in my Schwab acct. the cash was in their bank sweep account paying 0.22%. Fortunately, not very much cash, not that it matters, but around $5,000. Also I make just maybe 3...
by EvelynTroy
Wed Aug 01, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: 4 reasons we overcomplicate investing - Allan Roth
Replies: 5
Views: 1329

4 reasons we overcomplicate investing - Allan Roth

From Allan Roth's August newsletter - http://daretobedull.com/ If you would like to subscribe to the newsletter. Over the decades, I've benchmarked hundreds of portfolios against simplicity such as that advocated in a new Boglehead's Guide to the Three Fund Portfolio. Simplicity trounced 99% of thos...
by EvelynTroy
Wed Aug 01, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: Calculating Bond Risk - Allan Roth
Replies: 1
Views: 293

Calculating Bond Risk - Allan Roth

Allan Roth provides a helpful explanation and caluclation of Bond ETF Interest Rate Risk in his August newsletter. http://www.etf.com/sections/index-investor-corner/framing-bond-etf-interest-rate-risk?nopaging=1 Intermediate-term rates finally ticked up and, unsurprisingly, bonds lost money. It's im...
by EvelynTroy
Wed Jul 18, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Credit Card Q
Replies: 7
Views: 879

Re: Amazon Prime Credit Card Q

Of course you should always just transfer the cash to your checking account instead of using the points on amazon purchases so you can get the 3-5% points on the dollar amount of the points. Yes TIAX that is what I planned to do - either get a check, or deposit the cash in my checking account. Than...
by EvelynTroy
Wed Jul 18, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Credit Card Q
Replies: 7
Views: 879

Re: Amazon Prime Credit Card Q

Thanks a lot keystone. Very helpful.
Evelyn
by EvelynTroy
Wed Jul 18, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Credit Card Q
Replies: 7
Views: 879

Amazon Prime Credit Card Q

Thank you in advance. I read the Amazon Rewards Visa Signature card bnefits page and for some reason I'm just not clear on % back and points. I understand the 5% back at Whole Foods, Amazon, 2% at gas stations, restaurants, and 1% all other. Can I elect to have all my % back paid in dollars where th...
by EvelynTroy
Sat Jun 23, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Naipo Back and Neck Massager Shiatsu Massage Chair Seat
Replies: 8
Views: 384

Re: Naipo Back and Neck Massager Shiatsu Massage Chair Seat

Thanks for all the hints and tips. fakespot.com is good to know about for things in general - I'll put this to use. Sandtrap - good program you outlined, I do all those things, as needed and good reminder for me to continue. For the ice pack I use something like these - long thin one for neck, and s...
by EvelynTroy
Sat Jun 23, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Naipo Back and Neck Massager Shiatsu Massage Chair Seat
Replies: 8
Views: 384

Re: Naipo Back and Neck Massager Shiatsu Massage Chair Seat

Yes the seller responding to the complaints was good plus for me as well.
We'll see if anyone else has any comments, but thinking I'm just going to get the Zyllion - isn't up to par seems like you can return.
Evelyn
by EvelynTroy
Sat Jun 23, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Naipo Back and Neck Massager Shiatsu Massage Chair Seat
Replies: 8
Views: 384

Re: Naipo Back and Neck Massager Shiatsu Massage Chair Seat

Thank you goodlifer appreciate the reply. On closer inspection you are definitely right - looking at Q&A seems the company flat out doesn't respond to anything - so not purchasing this. I see one from Zyllion, same price clear 1 yr. warranty, and reviewers raving about excellent, no hassle customer ...
by EvelynTroy
Sat Jun 23, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Naipo Back and Neck Massager Shiatsu Massage Chair Seat
Replies: 8
Views: 384

Naipo Back and Neck Massager Shiatsu Massage Chair Seat

I have mild/moderate arthritis across back of neck, and lower back - its not debilitating pain, but if I overdue in the yard, or too much walking awfully sore and stiff. Was thinking of a massage type recliner chair - high end ones too costly, and really don't have room for another piece of furnitur...
by EvelynTroy
Fri Jun 22, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 64
Views: 3552

Re: Does an IPS really need to be 5 pages long to be valuable?

Just like a lot of things, "less is more." I'm no expert - and I don't hold mine to be better than anyone elses - could probably be condensed to one page - but you are more than welcome to take a look at it - maybe something useful. I must have gotten some of my ideas from IPS samples here, but real...
by EvelynTroy
Fri Jun 22, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: Best Books For Learning?
Replies: 11
Views: 1151

Re: Best Books For Learning?

jonbkray - I'll offer some thoughts, no expert but retired public school educator - living very comfortably with no money worries - I'm very thankful. That said, living on teacher salary can be a challenge, but it can be and you can have a very nice retirement. At this point really no need to get al...
by EvelynTroy
Fri Jun 22, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: 25 month CD at 3%
Replies: 5
Views: 2161

Re: 25 month CD at 3%

delrinson - sorry for the delay, I didn't see your post. Good catch. Where do you see that on the web site? I'm having trouble finding it. Referring to the eligibility requirements for Pawtuckett CD. My go to place depositaccounts.com Find the institution or CD rate you want and it will always give ...
by EvelynTroy
Thu Jun 14, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: 25 month CD at 3%
Replies: 5
Views: 2161

Re: 25 month CD at 3%

Membership to purchase CD's is restricted -
Membership is open to those who live or work in Rhode Island, or in nearby communities in Massachusetts or Connecticut.

Evelyn
by EvelynTroy
Wed Jun 13, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: USAlliance CU CD holders bump up offered
Replies: 0
Views: 226

USAlliance CU CD holders bump up offered

An email was received this a.m. with the following offer: USAlliance "VIP members" are being offered a 25 basis point rate bump on longer-term CDs, including the 25- and 35-month products. That would make the rate 3.00% APY on the 35-month CD. A poster on depositaccounts.com called the credit union ...
by EvelynTroy
Fri Jun 01, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 45
Views: 4519

Re: Maturing Credit Union 3% CD's this year

There's no early withdrawal penalty on Heritage CDs. If/when rates rise, we can simply withdraw the money and put it into a new higher rate CD, at NWFCU or elsewhere. If rates stabilize, we're good; if rates go down, we're golden; if rates go up, we move. Meanwhile, making the changeover increased ...
by EvelynTroy
Fri Jun 01, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 45
Views: 4519

Re: Maturing Credit Union 3% CD's this year

There's no early withdrawal penalty on Heritage CDs. If/when rates rise, we can simply withdraw the money and put it into a new higher rate CD, at NWFCU or elsewhere. If rates stabilize, we're good; if rates go down, we're golden; if rates go up, we move. Meanwhile, making the changeover increased ...
by EvelynTroy
Fri Jun 01, 2018 5:44 pm
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 45
Views: 4519

Re: Maturing Credit Union 3% CD's this year

Re Northwest Credit Union (NWFCU): You can now roll that into a new 5-year CD. Here's where new NWFCU CDs get really juicy: * If you are 62+ you garner "Heritage" member status * Heritage members get a bonus bump in interest rates * Heritage member CDs have no early withdrawal penalty I too have th...
by EvelynTroy
Wed Apr 18, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 5600

Re: PC laptops

I agree the apple line is not a good value. I've had the MotoG 1st gen. for 4 yrs yesterday - congratulatory email from my phone service yesterday Republic Wireless - sure not a fancy phone but it had served me well using the apps I need/want. I diverted. I purchased this refurbished Lenovo laptop D...
by EvelynTroy
Tue Apr 10, 2018 5:20 am
Forum: Investing - Theory, News & General
Topic: Businessweek: Jack Bogle's Last Crusade?.. (link)
Replies: 28
Views: 6358

Re: Businessweek: Jack Bogle's Last Crusade?.. (link)

The link provided seems to be out of date -
I found this one that worked for me:

https://www.bloomberg.com/news/articles ... st-crusade

Thank you OP for the article.

Evelyn
by EvelynTroy
Mon Apr 09, 2018 6:21 am
Forum: Investing - Theory, News & General
Topic: Need some advice about State Teachers Retirement Plan....
Replies: 7
Views: 889

Re: Need some advice about State Teachers Retirement Plan....

Five, I can't give you specific advice regarding your state's teacher retirement - even if you had provided the details of your state's plan I don't have the skills to do that kind of evaluation. That said, what I can share is I participate in two teacher retirement programs from different school sy...
by EvelynTroy
Sun Apr 08, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 379
Views: 52598

Re: 2-year CDs at Vanguard and Fidelity Today

Kevin M thank you for sharing all your knowledge on CDs. Please think about a article on what you know what CDs, buying, selling, bond funds etc. Paul Here, here - KevinM is a treasure. I hope Kevin is thinking of writing a book on fixed income investing. Kevin does have a nice blog, aptly named ht...
by EvelynTroy
Sat Apr 07, 2018 8:05 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 379
Views: 52598

Re: 2-year CDs at Vanguard and Fidelity Today

I do not know how to calculate/assess if the 2 yr. brokered CD @ 2.60% vs. a 17 month 2.30% CD, $1,000 min. deposit offered at Federal Savings Bank, New Hampshire is a better deal. I could not locate anything about EWP on deposit accounts or the FSB website. It seems to me 2.3% would be better with...
by EvelynTroy
Fri Apr 06, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 379
Views: 52598

Re: 2-year CDs at Vanguard and Fidelity Today

I do not know how to calculate/assess if the 2 yr. brokered CD @ 2.60% vs. a 17 month 2.30% CD, $1,000 min. deposit offered at Federal Savings Bank, New Hampshire is a better deal. I could not locate anything about EWP on deposit accounts or the FSB website. It seems to me 2.3% would be better with ...
by EvelynTroy
Fri Apr 06, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 379
Views: 52598

Re: 2-year CDs at Vanguard and Fidelity Today

Perhaps of interest - I see that the same Morgan Stanley CDs at 2.60% are offered at Schwab.
Thanks for pointing them out yesterday.
Evelyn
by EvelynTroy
Mon Apr 02, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: 18 mo. CD 2.53%
Replies: 4
Views: 1537

Re: 18 mo. CD 2.53%

The EWP is not of importance to me for an 18 month offering. 3-5 year CD's different story.
Someone can correct me if wrong, but seems like the notion of a callable CD is included in many terms of agreement docs -more a formality than an actual event that happens regularly.
Evelyn
by EvelynTroy
Sat Mar 31, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: 18 mo. CD 2.53%
Replies: 4
Views: 1537

18 mo. CD 2.53%

Offered at USAlliance Financial - easy membership thru American Consumer Council. USALLIANCE Ups 18-Month CD Rate To 2.53% APY POSTED ON SATURDAY, MARCH 31, 2018 BY Ken Tumin Deal Summary: Fixed Rate Certificates – 9-month (2.02% APY) and 18-month (2.53% APY), $500 minimum deposit Availability: Easy...
by EvelynTroy
Sun Mar 18, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: TV and set up recommendations for above fireplace
Replies: 35
Views: 2722

Re: TV and set up recommendations for above fireplace

I had my 55" tv installed above the fireplace (a corner fireplace) and love it. I don't find it tires my neck - I tilt it down some. There are no heat issues - have gas logs. I required a very substantial bracket - Amazon and the like did not have one substantial enough - make sure you get a good qu...
by EvelynTroy
Sun Mar 18, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Tips on saving on living expenses for a first time single householder
Replies: 46
Views: 3448

Re: Tips on saving on living expenses for a first time single householder

Single senior female here - adding couple tips and reinforcing others. Something to be said for being "too frugal," i.e. used soft furniture and bedding, plastic ware, etc. Not a good idea. Quick, yummy meal - https://www.johnsoulesfoods.com/products/beef-fajitas/ Tyson makes similar, also good. Pur...
by EvelynTroy
Tue Mar 13, 2018 7:49 am
Forum: Investing - Theory, News & General
Topic: your cash is trash at brokers J.Zweig - WSJ
Replies: 23
Views: 4715

Re: your cash is trash at brokers J.Zweig - WSJ

Just to add - in the article it was noted Schwab offers Schwab money fund yielding almost 1.3%. There, unlike in a sweep account, she will have to place a separate order to buy or sell some of the fund whenever she wants to reinvest dividends or raise money for a trade.
ev
by EvelynTroy
Tue Mar 13, 2018 7:41 am
Forum: Investing - Theory, News & General
Topic: your cash is trash at brokers J.Zweig - WSJ
Replies: 23
Views: 4715

your cash is trash at brokers J.Zweig - WSJ

Apologize if already referenced, looked didn't see it. Eye opening article for me - as usual Mr. Zweig looking out for the little guy. https://blogs.wsj.com/moneybeat/2018/03/09/brokers-to-investors-your-cash-aint-nothin-but-trash/ Summary - Short-term interest rates have been rising, but the intere...
by EvelynTroy
Sat Mar 10, 2018 11:40 am
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 13136

Re: Sharonview FCU 64 month CD - 4%

Gigs, One thing if you are ambivalent about the offer - no problem you can just decide not to fund and ask them to close the account. Yes there is some legwork to opening an CD - I don't chase yield and constantly looking for the best CD deal but I have found after opening a couple CD's its just as ...
by EvelynTroy
Wed Mar 07, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 13136

Re: Sharonview FCU 64 month CD - 4%

This says they do ACH transfers. https://www.sharonview.org/docs/default ... ?sfvrsn=10 Maybe the same as my experience, but maybe not. The CD I purchased from another CU last week - their details said the same thing regarding ACH transfer. However, for an IRA CD like mine was they only accepted a ...
by EvelynTroy
Wed Mar 07, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 13136

Re: Sharonview FCU 64 month CD - 4%

Perhaps of interest - thought it worth a mention. On depositaccounts discussion that the CU may accept membership in the American Consumer Council - I joined to purchase a CD at another CU week or so ago and it was $8. Couple others weren't sure if you had to separately join the Carolina Consumer Co...
by EvelynTroy
Mon Mar 05, 2018 7:38 pm
Forum: Investing - Theory, News & General
Topic: New tax law and QCD's - article
Replies: 18
Views: 1837

Re: New tax law and QCD's - article

I edited the link - apologize for the error Sport.
Evelyn
by EvelynTroy
Mon Mar 05, 2018 7:26 pm
Forum: Investing - Theory, News & General
Topic: New tax law and QCD's - article
Replies: 18
Views: 1837

New tax law and QCD's - article

Jim Blankenship definitely one of the good guys - I've met him and sought his counsel. https://financialducksinarow.com/12163/will-tcja-encourage-qcds/ An article that explains impact of the new tax law on Qualified Charitable Distributions (QCD's) and your IRA/RMD maybe more popular than ever. I'm ...
by EvelynTroy
Mon Mar 05, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 13136

Re: Sharonview FCU 64 month CD - 4%

These rates may change any time without prior notice. After your account is opened, the dividend rate may change Don't hold me to it, but if I'm not mistaken your account and your funded CD is two different things. You would open a Sharonview account, but you might not fund it for a variety of reas...
by EvelynTroy
Fri Mar 02, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 13136

Sharonview FCU 64 month CD - 4%

Sharonview FCU (possible easy membership) has a 64-month Certificate Special (4.00% APY). Minimum $500 deposit of new money. For the 64-month certificate, Per Member deposit limit of $250,000 new funds and $100,000 existing funds. Penalty for early withdrawal is 365 days dividends on the amount with...
by EvelynTroy
Tue Feb 27, 2018 1:34 pm
Forum: Investing - Theory, News & General
Topic: 5-year CD vs. 6-year CD; double EWP with longer maturity
Replies: 21
Views: 1410

Re: 5-year CD vs. 6-year CD; double EWP with longer maturity

But, if I'm going to do it now I kind of thought that putting the money somewhere with yield is better than sitting on it and earning next to nothing. So, while I take your point about patiently waiting until a decent offering comes along, doesn't that offering have to be all that much better to co...
by EvelynTroy
Tue Feb 27, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: 5-year CD vs. 6-year CD; double EWP with longer maturity
Replies: 21
Views: 1410

Re: 5-year CD vs. 6-year CD; double EWP with longer maturity

rjbraun, What I was trying to say in a long-winded way was just as nestegg_user noted - the rates you are looking at just aren't very good. What would be the logic in locking in for 5-6 years when you can get the same thing for around 2 years - or even same thing for 11 months. And I too understand ...
by EvelynTroy
Mon Feb 26, 2018 3:38 pm
Forum: Investing - Theory, News & General
Topic: 5-year CD vs. 6-year CD; double EWP with longer maturity
Replies: 21
Views: 1410

Re: 5-year CD vs. 6-year CD; double EWP with longer maturity

I'm surely no expert on CD's - my suggestion not to be in a hurry purchasing either of these CD's. Fri. purchased 48 mo. 3.04% CD at Freedom CU in Philadelphia - the promotion ended Fri. Today I see - as an example. NASA FCU Adds 11-Month Share Certificate Special (2.25% APY) - 2/15/2018 NASA Federa...
by EvelynTroy
Thu Feb 15, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 45
Views: 5422

Re: Rolex

Longshot, but if by chance you know someone who works in Saudi Arabia (not sure about neighboring countries like The Emeritates ) - but major Saudi cities have authorized Rolex dealers - cost used to be more than half the u.s. price. That person could purcase for you and bring back. I purchased a go...
by EvelynTroy
Thu Feb 15, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: How Inflation Works (NYT)
Replies: 21
Views: 2611

How Inflation Works (NYT)

How Inflation Works -- or Why Your Chicken Is Going to Cost More https://www.nytimes.com/interactive/2018/02/14/business/economy/inflation-prices.html Very nice explanation - clear examples. Its not an academic whitepaper - its an article that is very understandable. My eyes did not gloss over - a ...
by EvelynTroy
Thu Feb 15, 2018 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Understanding tax efficient help
Replies: 6
Views: 1067

Re: Understanding tax efficient help

Thanks again Duckie and Livesoft -
The analogy of thinking about it as an extra expense ratio makes good sense, and I'm going to make room for Wellesley in my TIRA.
These simple helpful suggestions - give me a better feeling of control over why I should or shouldn't make changes.
Evelyn
by EvelynTroy
Thu Feb 15, 2018 7:50 am
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 81
Views: 10670

Re: Can someone help me explain to my wife...?

Arcion -
I suggest a simple, straightforward, easy to digest, plain-talk advice from the professionals -

I would make a nicely formatted document and print it out - it would be Taylor Larimore's "gem" so succinct:

https://www.bogleheads.org/wiki/Taylor_ ... ng_quotes
Evelyn
by EvelynTroy
Wed Feb 14, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Understanding tax efficient help
Replies: 6
Views: 1067

Re: Understanding tax efficient help

I appreciate these two detailed explanations very much - I understand what you are explaining. Moto said If you have tax-efficient assets such as Total US, Large-Cap US, S&P500, or Total International in your tax-protected accounts, I would consider swapping those with Wellesley, and then rebuying t...
by EvelynTroy
Wed Feb 14, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Understanding tax efficient help
Replies: 6
Views: 1067

Understanding tax efficient help

Considering purchasing Vanguard Wellesley Income Admiral Shares fund (VWIAX) - its been noted that this fund is not tax efficient and best held in a tax advantaged account. I have other index ETF's and couple of funds - that are placed in the proper tax protected or taxable accounts. I never really ...
by EvelynTroy
Wed Feb 07, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: Stock Market Didn't Get Tested You Did - WSJ Zweig
Replies: 20
Views: 4061

Re: Stock Market Didn't Get Tested You Did - WSJ Zweig

All I did was buy more. Guess I was right about my risk tolerance I don’t really view equities as risky (overtime). Very volatile in the short term - but not necessarily “risky” This article explains equities and risk over time - Meir Statman is highly respected investing educator: https://www.mark...