Search found 190 matches

by EvelynTroy
Fri Apr 21, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Do CDs make sense in an IRA
Replies: 4
Views: 617

Re: Do CDs make sense in an IRA

Yes CD's are a good option for fixed income asset allocation or in combination with bond funds. Here is good explanation of brokered cds (the type Fidelity or any brokerage company) and CD's offered at a bank or credit union - There are pros and cons that you should be aware of. https://www.deposita...
by EvelynTroy
Wed Apr 19, 2017 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Annual finance check up
Replies: 4
Views: 618

Re: Annual finance check up

In another discussion someone asked about the value of getting a second opinion perhaps from a fee-only hourly financial advisor on some of the items you have brought up. I thought that idea had merit, however don't know that I would want to do it annually, perhaps with a big life change happens. Do...
by EvelynTroy
Wed Apr 19, 2017 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 9113

Re: Why would anyone want to buy bond funds?

For me this 1999 article by Jason Zweig hits the nail on why buy bond funds - in another thread I just pointed this out. I had saved the article that Taylor Larimore referenced. "Why Buy Bonds" short 1999 article by Jason Zweig - as true today as it was in 1999. Dec. 1999 the stock market ...
by EvelynTroy
Wed Apr 19, 2017 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Performance Tracking questions
Replies: 2
Views: 289

Re: Portfolio Performance Tracking questions

Thanks midareff for your comments - I'm going to update my Morningstar Portfolio and believe it will be perfectly adequate for tracking my performance. I'm going to spend some time - digging into what M* portfolio offers - different views, and customization. You said: I used the KISS theorem and loo...
by EvelynTroy
Wed Apr 19, 2017 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Advice on my current portfolio, and moving to VanGuard
Replies: 8
Views: 636

Re: Advice on my current portfolio, and moving to VanGuard

NicholasCageFree - Good job on having manageable debt, and good-sized portfolio at a young age. I don't have the expertise to advise you on the specifics of sorting out your portfolio. A few comments I'm confident in making. - Regarding the fixed income portion of your portfolio - refer you to "...
by EvelynTroy
Tue Apr 18, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Performance Tracking questions
Replies: 2
Views: 289

Portfolio Performance Tracking questions

Hoping I can write this clearly - I'm never quite at ease with tracking/monitoring my portfolio return/performance - here is what I have - just seems to be kind of jumbled to me. - This google sheets ( with help from boglehead I was able to modify mine to show percent and dollar amounts for rebalanc...
by EvelynTroy
Mon Apr 17, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Best way to take RMD
Replies: 18
Views: 2278

Re: Best way to take RMD

OK Karl V - very good idea. I would like the charity to have use of the money for most all of the year. After speaking with my tax person it may well turn out that it might be helpful to give more than the $2,000 to charity - which would be fine. Evelyn But keep in mind that anything you give via y...
by EvelynTroy
Mon Apr 17, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Best way to take RMD
Replies: 18
Views: 2278

Re: Best way to take RMD

OK Karl V - very good idea.
I would like the charity to have use of the money for most all of the year.
After speaking with my tax person it may well turn out that it might be helpful to give more than the $2,000 to charity - which would be fine.

Evelyn
by EvelynTroy
Mon Apr 17, 2017 5:47 am
Forum: Investing - Help with Personal Investments
Topic: Best way to take RMD
Replies: 18
Views: 2278

Re: Best way to take RMD

Thank you all sincerely for your replies - this discussion has been very helpful. I've copied into a doc for future reference. Munir noted: On reconsideration, she seems to know what she is doing and does not need any suggestions from me! No Munir when I wrote the post I knew just enough to be dange...
by EvelynTroy
Sat Apr 15, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Best way to take RMD
Replies: 18
Views: 2278

Re: Best way to take RMD

Thank you dbr -
I am supposed to speak with my tax person this week - couple questions I have.
I will discuss this option regarding the RMD.
I was going to mail my April estimated tax this morning - wonder if I should wait? Maybe I don't have to do the estimated tax filing.

Evelyn
by EvelynTroy
Sat Apr 15, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Best way to take RMD
Replies: 18
Views: 2278

Best way to take RMD

I am so appreciative for the recent help on rebalancing my portfolio - I've gotten the rebalancing done, other than holding the equities I sold in the money market until I find a good deal on a CD. Now I'm looking ahead to plan for taking my first Required Minimum Distribution (RMD) I turn 70.5 Oct....
by EvelynTroy
Thu Apr 13, 2017 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Acnt
Replies: 4
Views: 714

Re: Edward Jones Acnt

I echo Silk McCue's thoughts. I prefer my accounts being tidy, for me just sets my mind at ease not having random accounts I don't use out there. I would also request to be taken off their mailing list(s) - no need for EJ's advertising. Like Silk noted, the salespeople can be persistent - just be fi...
by EvelynTroy
Thu Apr 13, 2017 6:39 am
Forum: Investing - Help with Personal Investments
Topic: looking for some confirmation
Replies: 7
Views: 503

Re: looking for some confirmation

Congratulations on beginning your investing career with no debt - this is huge advantage right out of the gate. Deciding whether to include a fixed income asset allocation I'd suggest imo one of the all time best/thoughtful/helpful posts @bogleads forum - I printed this post out and reread it every ...
by EvelynTroy
Mon Apr 10, 2017 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Evaluating Bond ETF's - BND vs AGG
Replies: 5
Views: 306

Re: Evaluating Bond ETF's - BND vs AGG

Thanks for the replies - I knew Larry didn't like BND, but I never did know why - so this is helpful. As an aside I have great respect for Larry - his firm Buckingham managed my assets for awhile - they helped me a lot and not just the portfolio mgmt. No complaints - it was only the cost that I deci...
by EvelynTroy
Mon Apr 10, 2017 7:36 am
Forum: Investing - Help with Personal Investments
Topic: Evaluating Bond ETF's - BND vs AGG
Replies: 5
Views: 306

Evaluating Bond ETF's - BND vs AGG

I've recently received help here on calculating how to rebalance my portfolio - I've accomplished that and now deciding on reinvesting the equity ETF shares I sold. This is for an IRA account. Have my eye on a 5 yr. CD credit union - but also considering: Vanguard Total Bond Market - BND (0.06 ER) I...
by EvelynTroy
Sat Apr 08, 2017 8:49 am
Forum: Investing - Theory, News & General
Topic: Where to go for free or low cost advice?
Replies: 23
Views: 1961

Re: Where to go for free or low cost advice?

I suggest https://investingroadmap.wordpress.com/ I'm not sure, but I believe pkcrafter - boglehead on this forum has developed and shared this outstanding resource. The 100 page book - Investing Made Simple by Mike Piper @obliviousinvestor.com The Elements of Investing by Burton Malkiel and Charles...
by EvelynTroy
Fri Apr 07, 2017 6:03 pm
Forum: Investing - Theory, News & General
Topic: State Farm 5 year CD at 2.30% - any hesitation in investing with them?
Replies: 11
Views: 2256

Re: State Farm 5 year CD at 2.30% - any hesitation in investing with them?

Nyclon - Take a look @ depositaccounts.com Use the pull-down menu for 5 yr CD - Mountain America Credit Union has 5yr CD @2.75% - EWP 1 yr. They were offering a one time -bump up rate - but that is discontinued. If not Utah resident you will need to join American Consumer Council for $5.00 I was goi...
by EvelynTroy
Thu Apr 06, 2017 8:21 am
Forum: Investing - Theory, News & General
Topic: "10-investing-lessons-of-the-century (so-far)"
Replies: 12
Views: 1937

Re: "10-investing-lessons-of-the-century (so-far)"

I happened to think for Nisiprius and anyone else - I will be copying this presentation into a google document - all slides in one continuous document today or tomorrow. I will be happy to share a public link to the document. I do not believe a person would need a google account to access the docume...
by EvelynTroy
Thu Apr 06, 2017 8:03 am
Forum: Investing - Theory, News & General
Topic: "10-investing-lessons-of-the-century (so-far)"
Replies: 12
Views: 1937

Re: "10-investing-lessons-of-the-century (so-far)"

This is such a nice presentation - one of those I like to save for reference. Thanks for posting - I am a fan of Allan Roth. Here is how I copy and paste articles - an easy, fast way but it does require Firefox Browser. - Open the referenced URL - - Look in the URL address bar - on the right side at...
by EvelynTroy
Wed Apr 05, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Brokered Recommended CD - good option?
Replies: 18
Views: 1119

Re: Brokered Recommended CD - good option?

Kevin- Unfortunately I don't meet eligibility for the Patelco CU offering. It was also just posted on depositaccounts that the MACU bump-up offering has been discontinued. I have been unable to speak with MACU on the phone - line busy. I'm going to for the time being just be a bit patient and see if...
by EvelynTroy
Wed Apr 05, 2017 6:19 am
Forum: Investing - Help with Personal Investments
Topic: Brokered Recommended CD - good option?
Replies: 18
Views: 1119

Re: Brokered Recommended CD - good option?

Thanks everyone for your ideas and experiences - very helpful. Someone mentioned - hating brokers calling about CD offers - to TD's credit the local rep. has never phoned me offering CD's or anything else. I had contacted them. The TD national phone service has been prompt and helpful. Livesoft's re...
by EvelynTroy
Tue Apr 04, 2017 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered Recommended CD - good option?
Replies: 18
Views: 1119

Re: Brokered Recommended CD - good option?

Sorry flamesabre - the offering sheet doesn't say a minimum.
It says the price is $100. I assume that means - any amount.
For me it would be about $60K
Evelyn
by EvelynTroy
Tue Apr 04, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered Recommended CD - good option?
Replies: 18
Views: 1119

Re: Brokered Recommended CD - good option?

Imbros -
Please explain why you would go with the Synchrony option?
by EvelynTroy
Tue Apr 04, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered Recommended CD - good option?
Replies: 18
Views: 1119

Re: Brokered Recommended CD - good option?

JLCnuke - I would say he both informed and recommended - he wasn't pushing it, but thought it would be good option.
It was face to face discussion - no emails.
Discussion related to buying fixed income investment. Went on to say it was up to me, but this CD was an option to consider.
Evelyn
by EvelynTroy
Tue Apr 04, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered Recommended CD - good option?
Replies: 18
Views: 1119

Brokered Recommended CD - good option?

My brokerage is TdAmeritrade. My local office representative recommended this newly offered CD. Thanks for your comments on if this would be a worthwhile CD for purchase. I am doing some rebalancing - need to sell U.S. stocks from IRA account and buy that amount into my fixed income / staying of cou...
by EvelynTroy
Tue Apr 04, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Hourly Fee Financial Planner in NYC
Replies: 10
Views: 528

Re: Hourly Fee Financial Planner in NYC

When Rick Ferri was the owner of Portfolio Solutions they always recommended Garrett Financial Network to clients who needed services outside portfolio investing. I always took that as a good recommendation.
Evelyn
by EvelynTroy
Mon Apr 03, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting Dividends - when and when not
Replies: 2
Views: 444

Re: Reinvesting Dividends - when and when not

Thank you NancyABQ - very helpful.
Here is the thread related to livesoft's comment -

viewtopic.php?f=1&t=214804&p=3298485#p3298485

Evelyn
by EvelynTroy
Mon Apr 03, 2017 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting Dividends - when and when not
Replies: 2
Views: 444

Reinvesting Dividends - when and when not

I am retired - and do not require any withdrawals from my portfolio - either out right selling shares of ETF’s in either Traditional IRA, Taxable Account or Roth Account, nor do I need the dividends for income. I have been reinvesting all dividends received - no particular reason just did. It rang a...
by EvelynTroy
Sun Mar 26, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance help - the math
Replies: 13
Views: 687

Re: Rebalance help - the math

Thank you Ron - I see how you came up with the various percentages to buy or sell. How do I proceed to calculate for example selling the 18% of my U.S. Stock Allocation. Hate to admit this is just foreign language to me. Do I add up the $ value of my U.S. Stock Allocation and multiple X .18 . Exampl...
by EvelynTroy
Sun Mar 26, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance help - the math
Replies: 13
Views: 687

Re: Rebalance help - the math

Goodness Paul - you prevented me from doing really a bone-headed mistake! Can't thank you enough. I don't know how I thought you had to take the full amount required from each account you held. I did not like the idea of having to take it from my IRA - CD. I will read the IRS explanation. Taking the...
by EvelynTroy
Sun Mar 26, 2017 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance help - the math
Replies: 13
Views: 687

Re: Rebalance help - the math

Thank you Paul - You need to calculate RMD from all assets in IRAs, but taking from total market will bring down the equity allocation from the right place. I have TdAmeritrade IRA account and I have an IRA-CD at a Credit Union that matures 8/30/17. I know the $ amount I must withdraw from these two...
by EvelynTroy
Sun Mar 26, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance help - the math
Replies: 13
Views: 687

Re: Rebalance help - the math

Thanks for your help. I figured I needed to include # of shares or $ amounts of the funds held. I really just didn't want to post those details, i.e. security of internet. Nonetheless - I'm going to look into livesoft's use of TDAmeritrade's X-ray tool. I had trouble using it - my Privacy Badger tra...
by EvelynTroy
Sun Mar 26, 2017 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance help - the math
Replies: 13
Views: 687

Rebalance help - the math

Thanks in advance for any direction you can provide to assist in my confusion. I need to do some rebalancing - and don’t know how to tackle the math. My portfolio below Overall allocation 40% equity / 60% fixed income U.S. Stocks - 26% target allocation - 32.07% actual allocation which is 6.07% - my...
by EvelynTroy
Sat Mar 18, 2017 8:44 am
Forum: Investing - Theory, News & General
Topic: Bogle Interview CNN - Sat.
Replies: 71
Views: 4956

Bogle Interview CNN - Sat.

I wonderful 16 min. interview with Mr. Bogle just completed at CNN - on state of the economy.
Just a pleasure.

http://www.cnn.com/videos/tv/2017/03/18 ... conomy.cnn

Evelyn
by EvelynTroy
Mon Oct 31, 2016 10:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard blog gives Bogleheads kudos
Replies: 25
Views: 2837

Vanguard blog gives Bogleheads kudos

Nice thank-you to Bogleheads and 3 questions that were answered at the Bogleheads convention Q&A at the Vanguard headquarters.

http://vanguardblog.com/2016/10/31/than ... ogleheads/
by EvelynTroy
Mon Oct 24, 2016 10:37 am
Forum: Investing - Theory, News & General
Topic: Dr. Bill Bernstein Books
Replies: 40
Views: 3896

Re: Dr. Bill Bernstein Books

Stemkiger, These two files (google docs) are notes/outline on the Four Pillars book and Investor's Manifesto. You can take a look for the gist of each -maybe helpful in deciding which one to read first. Four PIllars: https://docs.google.com/document/d/1MAjDnkI0uxi23P3zgTtxaZzf05tlLzjXy3SSQiUWYn4/edi...
by EvelynTroy
Sun Oct 23, 2016 8:46 am
Forum: Investing - Theory, News & General
Topic: Merrill Edge VS RobinHood
Replies: 47
Views: 3776

Re: Merrill Edge VS RobinHood

GuitarXM - I see you've started an investing journey - Your post gave me a nudge to look at some of my investing documents and review/refresh some of the “classics” I’ve saved over the years - You’re interested in Benjamin Graham - here is Graham’s type-written lecture he gave in 1963, “Securities I...
by EvelynTroy
Sun Oct 23, 2016 7:04 am
Forum: Investing - Theory, News & General
Topic: How to know phone call from mutual fund company is legitimate?
Replies: 18
Views: 1806

Re: How to know phone call from mutual fund company is legitimate?

My recent experience along these lines - 8 pm receive a call from a company saying they were company X, marketing company doing a survey for XX my brokerage company. If I would take a survey, about 15 -20 min. I would receive a $100 Amazon gift card. Didn't sound quite right to me, "thank you, ...
by EvelynTroy
Thu Oct 20, 2016 7:41 am
Forum: Investing - Theory, News & General
Topic: Charles Ellis - new book, excerpt
Replies: 3
Views: 948

Charles Ellis - new book, excerpt

Charles Ellis - The Index Revolution: Why Investors Should Join It Now Excerpt: http://www.institutionalinvestor.com/article/3578179/asset-management-indexing-and-etfs/book-excerpt-charles-ellis-and-the-index-revolution.html#.WAi6W-UrJrQ From the publisher: http://www.wiley.com/WileyCDA/WileyTitle/p...
by EvelynTroy
Fri Oct 14, 2016 7:23 am
Forum: Investing - Theory, News & General
Topic: CFSB 33 month, 2% CD (IL TN KY MO)
Replies: 1
Views: 281

Re: CFSB 33 month, 2% CD (IL TN KY MO)

Thanks very much for posting this CD offering. Very helpful - I've been looking for one.
I'm going to purchase one today.
Just to note - you can also take advantage of this 33 mo. CD as an IRA CD.

Evelyn
by EvelynTroy
Tue Jun 07, 2016 10:57 am
Forum: Investing - Theory, News & General
Topic: NASA Federal Credit Union -Question
Replies: 11
Views: 950

Re: NASA Federal Credit Union -Question

Thanks for the replies. I'm not worried about the Fico score being a bit lower; so guess it doesn't matter that they do the hard pull. Glad that you are satisfied with NASA Federal skepticalobserver - appreciate the response. I phoned the other day about some account opening questions - felt like th...
by EvelynTroy
Tue Jun 07, 2016 7:57 am
Forum: Investing - Theory, News & General
Topic: NASA Federal Credit Union -Question
Replies: 11
Views: 950

NASA Federal Credit Union -Question

I'm considering a 49 month IRA CD At NASA Federal - 2.20% https://www.depositaccounts.com/banks/nasa-federal-credit-union/offers/ I noticed in the comments of the review: If you open an account here they do a HARD credit pull which lowers your credit score. I don't understand what this means - anyth...
by EvelynTroy
Mon Feb 15, 2016 9:58 pm
Forum: Investing - Theory, News & General
Topic: Investing Website You Follow
Replies: 16
Views: 2434

Re: Investing Website You Follow

I skimmed the wiki list - please excuse if any duplicates

http://www.coffeehouseinvestor.com/feed/

Carl Richards - http://www.behaviorgap.com/

Ben Carlson - http://awealthofcommonsense.com/

depositaccounts.com (I use this to catch any good deals on CDs)


Evelyn
by EvelynTroy
Sat Jan 23, 2016 7:09 am
Forum: Investing - Theory, News & General
Topic: 3.03% Certificate :: Founders Federal Credit Union
Replies: 5
Views: 1595

Re: 3.03% Certificate :: Founders Federal Credit Union

Thank you renue74 for the heads-up. Very helpful - I sent a note to a friend who will be interested in this promotion. This is a huge community and you never know who this and other promotions will be a great help to. As as an aside maybe of interested to readers - I use an RSS news reader (Feedly, ...
by EvelynTroy
Wed Dec 16, 2015 9:18 am
Forum: Personal Consumer Issues
Topic: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?
Replies: 43
Views: 4356

Re: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?

JoeJones, Its difficult to recommend which option is a better investment not knowing your particular circumstances, i.e. do you need to read the WSJ for your work, or perhaps you have specific goals/objectives in reading cover to cover. I'll just speak to my own needs and perhaps something will be o...
by EvelynTroy
Wed Dec 02, 2015 9:15 am
Forum: Investing - Theory, News & General
Topic: Bloomberg Article [Vanguard’s Gain Is Wall Street’s Pain]
Replies: 30
Views: 3363

Vanguard's Gain_Wall Streets Pain - article

Perhaps of interest from Bloomberg - article explains While Washington has long been debating how to reform big Wall Street banks, Vanguard Group is quietly doing just that as the company and its army of index funds remove about $20 billion a year in revenue from the financial industry. http://www.b...
by EvelynTroy
Sat Nov 07, 2015 3:07 pm
Forum: Investing - Theory, News & General
Topic: USALLIANCE CD Promotion - New Members Only
Replies: 26
Views: 2699

Re: USALLIANCE CD Promotion - New Members Only

tbradnc, The previous USAlliance CD promotion - believe it was in Sept. 2015 was also for new members, but they offered referral; where if you were a member and referred a new member the person giving the referral could also take advantage and purchase a CD under that promotion. The new member simpl...
by EvelynTroy
Sat Nov 07, 2015 9:40 am
Forum: Investing - Theory, News & General
Topic: USALLIANCE CD Promotion - New Members Only
Replies: 26
Views: 2699

Re: USALLIANCE CD Promotion - New Members Only

I was looking for the same thing Kevin - hoping we could give a referral to someone - no, doesn't look like they are offering this. The last one I was fortunate to get a referral from someone on bogleheads. So yes I'm keeping an eye out, especially for larger denomination CDs. BTW - I use feedly RSS...
by EvelynTroy
Fri Nov 06, 2015 9:29 pm
Forum: Investing - Theory, News & General
Topic: USALLIANCE CD Promotion - New Members Only
Replies: 26
Views: 2699

USALLIANCE CD Promotion - New Members Only

USALLIANCE Financial has a 5-month Fixed CD Special (3.05% APY) available to new members only. Min deposit $500/max deposit $10K. Must be opened using mobile app. https://www.depositaccounts.com/blog/2015/11/usalliance-financial-adds-5month-cd-special-members.html I have had 2 CD's with USAlliance a...
by EvelynTroy
Fri Nov 06, 2015 5:52 pm
Forum: Investing - Theory, News & General
Topic: Understanding performance data in A. Roth article
Replies: 5
Views: 711

Re: Understanding performance data in A. Roth article

Thought I would repost my question and make a correction I said: Then I'm confused how Mr. Roth could compare returns from Dec. 31, 1999 to June 30, 2015 - when only Total Bond Market was an open for business fund? Definitely wrong - the times of inception are: VBMFX 12/11/86 VTSMX 4/27/92 VGTSX 4/2...

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